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    πŸ“‰πŸ“ˆ Market commentary for Thursday July 30, 2026
    Real Estate

    πŸ“‰πŸ“ˆ Market commentary for Thursday July 30, 2026

    #real-estate#mortgage-planning#personal-finance
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    Local Professional

    July 30, 2026
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    2 min read
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    Recap

    Yesterday delivered on the promise of afternoon volatility as the Fed left rates unchanged and Fed Chair Kevin Warsh told the press he didn't have a magic wand to fix inflation but that the Fed had worked during the meeting on formulating a strategy... they just wouldn't share it with anyone.


    Bonds rallied until the end of the press conference, at one point mortgage bonds were up about +13bps after starting the day in negative territory, but then it all fell apart as traders figured out that the Fed wasn't committed to any rate hikes and inflation was still going to be a problem. Some lenders actually repriced better during the period when bonds improved, only to take it back a bit later along with other lenders who repriced worse after the meeting as mortgage bonds sold off.

    Rate outlook for today...

    Rate sheets should actually be a bit better than yesterday morning, and definitely better than any reprices worse that came in late in the day. Bonds got a bit of a boost after the 2nd qtr GDP data came in light, and PCE inflation came in basically as expected. Reprice risk on the day is low, and the positive signs in the bond market, including the 10yr yield dropping a bit, leaves the door open to floating... at least to start.

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    Brian Cavanaugh

    @briancavanaugh

    Senior Loan Officer & Branch Manager| NMLS # 441864

    With nearly 23 years in the mortgage industry, I love helping homebuyers and homeowners in Massachusetts navigate the loan process with confidence. Based in the Boston suburbs, I work with clients across the Greater Boston area. I specialize in jumbo loans, first-time homebuyer programs, and Affinity Mortgage Lending.

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