Mortgage Watch

By Uncategorized November 21, 2025
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Mortgage Rates Securely Holding Ground

Mortgage Rates have been choppy this week, driven by the Government re opening and the release of this week’s Job Report. *take a look at the Rate Grid below and see all the RATES in RED!

 Bond Market Update This Morning

  • Treasury yields are easing slightly: The 10-year note yield is down about 3   basis points to 4.072%, and the 30-year yield is slipping to 4.723%.
  • Why this matters: Mortgage rates are closely tied to bond yields. When       yields fall, mortgage rates often follow.
  • Market drivers today:
    • Investors are digesting weaker jobless claims data earlier this week, which suggests a softer labor market.
    • Reduced expectations for a Fed rate cut in December are keeping volatility elevated.
    • Stock markets are mixed, with futures showing only slight moves after a volatile week.
    •  

 Bottom Line: Bond yields dipping this morning could help keep mortgage rates from climbing further as we head into the weekend. If economic data continues to show softness, rates may even drift lower in the near term.

 

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SOURCE & AUTHOR | Keith Murphy Branch Manager – Essex Mortgage NMLS #330827 Direct: 714-309-1140 Apply: www.GoTeamMurphy.com

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About The Author

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Tim Morissette, REALTOR®

Tim Morissette, also known in the community as Mr. Foothill Ranch, offers over 48 years of real estate experience which has given him an established reputation and unmatched market knowledge. He is joined by his wife, Michele and sons Matt and Jeff, as they continue to offer personal service with an emphasis on achieving his clients’ real estate goals.  This unique combination of traits has led to his proven track record of referral and repeat business. This can be witnessed by the trust of homeowners in Foothill Ranch where he has sold twice as many homes and represented three times more buyers than the next-leading real estate agent for the last 29 years.

As residents of Foothill Ranch since 1994, Tim and Michele are actively involved in the community by fundraising for Foothill Ranch Library, Make-a-Wish Foundation, Cancer Society, Homes for Habitat, Relay for Life, South County Outreach, and the local church and schools. Tim enjoys sponsoring community-wide garage sales, paper shredding and e-waste recycling event, an Easter egg hunt, & a Meet Santa Event.

Tim and Michele are dedicated to their family of four sons, daughter-in-laws, and grandchildren. As a family, they enjoy many outdoor activities which include camping, spearfishing, mountain climbing and exploring the miles of hiking and equestrian trails in Foothill Ranch and the Whiting Ranch Wilderness Park. Tim and his sons are also avid snowboarders and enjoy mountain biking and lobster diving. Family is a top priority in the Morissette household. They look forward to helping more families achieve their dreams of homeownership.