Mortgage Rate Watch: Holiday Week Snapshot
Dec 26 → This Morning
Mortgage Rates barely moved over the holiday week and remain at lows — exactly what we expect when Christmas and New Year’s land back‑to‑back. With most bond traders taking time off, trading volume drops sharply, and the market tends to move in slow motion.
MBS & Rate Movement
Last Friday (12/26):
- MBS pricing was slightly stronger = better rates
- Trading volume was very light
- Rates held steady or modestly better
This Morning:
- Same pattern: quiet, low‑volume, stable
- Some lenders showing small improvements, but nothing dramatic
What This Means for Homebuyers
- Rates are stable, which is great for planning and locking
- Floating is also reasonable because volatility is low
- The real market movers return next week with jobs data, inflation reports, and fresh Fed commentary.
BOTTOM LINE: This is one of the calmest rate environments you’ll see all year. If you’re buying or refinancing, use this quiet window to get prepped, get quoted, and get positioned before the market wakes back up next week!

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


