David Lodder NMLS #230173

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David Lodder NMLS #230173 Synergy One Lending, Equal Housing Lender.

Rates caught a break this week. Here’s how it unfolded.Tuesday started quietly, with investors stepping in after recent ...
10/16/2026

Rates caught a break this week. Here’s how it unfolded.

Tuesday started quietly, with investors stepping in after recent highs.

Wednesday looked like a setback when hot inflation data sent rates higher at the open. By the close, the market had reversed and erased the damage.

Thursday brought more hot inflation data, and rates improved anyway as a tech and AI stock selloff pushed money toward bonds.
It’s too early to call this a trend. Much of the strength is tied to nerves in the tech space, and inflation is still the thing to watch.

If you’ve been waiting on the sidelines, one good week doesn’t change the bigger picture. It’s a good moment to see where you actually stand.

DM me and let’s run your numbers. 📊

Mortgage rates just hit their highest level since 2023. Here's what drove it.Monday started with the 10-Year Treasury at...
10/09/2026

Mortgage rates just hit their highest level since 2023. Here's what drove it.

Monday started with the 10-Year Treasury at 5.31%, already at multiyear highs.

Tuesday brought a little breathing room. Yields slipped back a few points and stocks hit a record.

Wednesday flipped it again. Minutes from the Fed's September meeting showed the vote to hike was unanimous, and the 10-Year spiked to around 5.36%, its highest level since 2002. A strong 10-Year auction pulled yields back off the peak, but the damage was done.

Thursday added fuel. Oil jumped about 5% on fresh signs of escalation in the Middle East, and Fed Governor Waller said multiple more rate hikes may be needed to get inflation under control. Jobless claims stayed low, so the labor market isn't giving the Fed a reason to back off.

Friday finally gave markets a breather. Trump said the U.S. won't attack Iran before the midterms, oil eased a bit, and the 10-Year settled near 5.25%. Brent is still above $100.

All of that pushed the average 30-year fixed rate to 7.4% this week, up from 7.28% the week before, according to Freddie Mac.

If you're waiting for rates to drop, this week gave no sign that's coming soon. What you can control is knowing your numbers. DM me and let's run them. 📊

The streamlined refi Veterans should know about 👉 Swipe through!
10/05/2026

The streamlined refi Veterans should know about 👉 Swipe through!

Rates hit a multi-year high this week. Here's the story behind it.Monday through Wednesday, rates climbed steadily, even...
10/02/2026

Rates hit a multi-year high this week. Here's the story behind it.
Monday through Wednesday, rates climbed steadily, eventually touching levels not seen since 2023. Thursday brought a bit of relief as rates eased back.
What drove it: the bond market repricing Fed policy and inflation expectations, tension in the Middle East rattling oil markets, and growing concerns about bond supply here and in Europe.
Waiting for the "right" rate can cost you more than it saves. Home prices don't pause while markets sort themselves out.

DM me and let's run your numbers. 📊

Conventional loans are one of the most common financing options out there... but "conventional" doesn't mean "one-size-f...
09/28/2026

Conventional loans are one of the most common financing options out there... but "conventional" doesn't mean "one-size-fits-all." Swipe through to learn more 🏡

Rates put on quite a show this week.Monday and Tuesday brought a bit of relief as oil prices eased on Middle East headli...
09/25/2026

Rates put on quite a show this week.
Monday and Tuesday brought a bit of relief as oil prices eased on Middle East headlines.
That calm didn't last. By midweek, stronger than expected economic data flipped the script, reviving fears of another Fed rate hike and pushing things back up fast.
If you're watching rates hoping for a clear signal, this week is proof there isn't one. Markets can turn on a single data point.
DM me and let's run your numbers. 📊

Self-employed? Recent credit event? Swipe to see how non-QM loans open the door to homeownership 🔑
09/21/2026

Self-employed? Recent credit event? Swipe to see how non-QM loans open the door to homeownership 🔑

The Fed hiked rates this week for the first time since 2023. Here's why it barely moved the needle.Monday opened with ma...
09/18/2026

The Fed hiked rates this week for the first time since 2023. Here's why it barely moved the needle.

Monday opened with markets already bracing. The Fed's two-day meeting was on deck, and the 10-Year Treasury was knocking on the door of 5% — a level it hadn't touched since 2007. The market was pricing in an 88% chance of a hike, and sticky inflation plus a resilient jobs market gave the Fed little reason to hold.

Tuesday made history. The 10-Year crested 5.04%, breaking through the psychological threshold that traders had been watching all year. Manufacturing activity softened — the Empire State index dropped 13 points from August — but it wasn't enough to change the Fed's calculus.

Wednesday confirmed it. Oil hit $104 a barrel as Iran tensions kept pushing energy prices higher. Retail sales came in strong, up 1.2% month over month for August. Import prices beat expectations. The Fed hiked.

Then Thursday's relief evaporated by Friday. Yields climbed back toward 5% as investors refocused on what the hike actually means: the Fed isn't done fighting inflation, and oil prices aren't helping.

A rate hike, $104 oil, and yields at 19-year highs — that's the environment we're in. If you have a purchase in mind, getting locked and pre-approved now is one of the few things you can actually control.

DM me and let's run your numbers. 📊

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1301 Redwood Way
Petaluma, CA
94954

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