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  • What Causes Mortgage Rates To Change? Insights from the Joe Metzler Team in St. Paul, MN

    Minneapolis, MN: If you’ve ever shopped for a mortgage, you’ve likely noticed something frustrating: the rate you were quoted in the morning might change by the afternoon. At Cambria Mortgage’s Joe Metzler Team, serving St. Paul and the greater Twin Cities, we believe an informed borrower makes the best decisions. Here’s what really drives those daily—sometimes hourly—rate fluctuations.

    Mortgage Rates Change Constantly

    It’s perfectly normal to see one or more rate changes in a single day. In fact, it’s unusual not to. A “rate change” isn’t always just the percentage; it can also mean a shift in the points required to secure that rate. A rate offered with “no points” in the morning could cost a quarter-point by afternoon. That’s why timing matters.

    Debunking the #1 Myth: The Federal Reserve

    You might be surprised to learn that long-term mortgage rates (like the 30-year fixed) are not directly set by the Federal Reserve. In fact, a Fed rate cut can sometimes cause mortgage rates to rise. The connection is indirect and often counterintuitive.

    Mortgage Loan Officer

    What Really Drives Mortgage Rate Changes?

    Mortgage-backed securities (MBS) trade like stocks, and their prices move based on investor sentiment. This means rates change primarily due to:

    Inflation Expectations: The #1 driver. If investors fear rising inflation, they demand higher yields to compensate, which pushes mortgage rates up.

    Economic Uncertainty: In times of global or domestic turmoil, investors often flee to the safety of bonds, which can drive mortgage rates down.

    Stock Market Volatility: Money flowing into the stock market can pull funds away from bonds, causing rates to rise. When the market falls, money often moves back to bonds, pushing rates lower.

    Economic Data Reports: Key indicators like the:

    • Unemployment Rate
    • Consumer Confidence Index
    • Durable Goods Orders
    • A strong report suggests a robust economy, often leading to higher rates. A weak report can cause rates to fall.

    Why You Can’t Trust Old News or Billboards

    There is no “delay.” Rates change instantly as new data hits the market. Newspaper quotes, radio ads, and billboards are inherently outdated the moment they’re published. They also lack the critical details—like points and fees—that define the true cost of your loan.

    The Real Question Isn’t “What’s Your Rate?”

    Most lenders in any general area can offer nearly identical rates at any given moment. The difference lies in the math behind the rate. The right question is: “What is the total cost of this loan for my unique situation and timeline?”

    Get Live Insights and Transparent Math from Local Experts

    Don’t navigate this complex landscape alone. The Joe Metzler Team at Cambria Mortgage provides real-time guidance and our exclusive Total Cost Analysis—completely free. We help you see beyond the rate to make a smart, financially sound decision.

    Click Here to Get Your Real-Time Rate Quote & Personalized Analysis

    Partner with a Lender Who Gets It

    My team specialize in providing fast, reliable pre-approvals and of course, competitive rates that will make you feel confident and ready to act quickly when you find the right home. Their local expertise in Colorado, Florida, Iowa, Minnesota, North Dakota, South Dakota, and Wisconsin ensures a smooth and efficient closing process.

    Don’t wait for the market to “improve”—the time to move is now, before prices climb higher and competition intensifies.

    What’s your top priority in your next home? Call me , or click below to start your journey today!

    Ready to take advantage of todays market? It all starts with figuring out your financing options, with a no cost, no obligation mortgage Pre-approval. When that is completed, connect with a local real estate expert and start your homebuying journey today!

  • ** EXPERIENCE MATTERS **

    Top rated mortgage lender locally and nationally, year after year... This is because clients agree - Experienced Loan Officers with mortgage interest rates you can brag about and amazing service clearly sets us apart from the big banks and online lenders.

  • Equal Housing Lender. The Joe Metzler Team at Cambria Mortgage lends in Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Colorado, and Florida only. This is not an offer to lend or to extend credit, nor is this a guaranty of loan approval or commitment to lend. Information here can become out of date, and may no longer be accurate. Products and interest rates are subject to change at any time due to changing market conditions. Not all programs available in all states. Actual rates available to you may vary based upon a number of factors. Consumers must independently verify the accuracy and currency of available mortgage programs. All loan approvals are subject to the borrower(s) satisfying all underwriting guidelines and loan approval conditions and providing an acceptable property, appraisal and title report. Joe Metzler, NMLS 274132, Cambria Mortgage NMLS 322798. © 1998 - 2025.

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