30年期抵押贷款：利率降12基点至6.13%，联储降息待察

Core Viewpoint - The significant drop in mortgage rates is driven by market expectations of an interest rate cut by the Federal Reserve, with the average rate for a 30-year fixed mortgage falling to 6.13%, the lowest since the end of 2022 [1] Group 1: Mortgage Rates - The average rate for a 30-year fixed mortgage decreased by 12 basis points from the previous day, reaching 6.13% [1] - This decline in mortgage rates is reminiscent of the situation in September 2024, where similar expectations led to a rise in rates after the Fed's announcement [1] Group 2: Federal Reserve Expectations - The market anticipates at least a 25 basis point cut from the Federal Reserve, with a potential additional cut of 25 basis points thereafter [1] - Historical patterns indicate that rate cuts during non-recession periods have limited impact on long-term interest rates [1] Group 3: Investor Behavior - Investors are likely to engage in buying ahead of expected rate cuts, with a tendency to sell once profits are realized [1] - Following a 25 basis point cut by the Fed, a slight decrease in the 10-year Treasury yield is expected, which typically correlates with mortgage rate trends [1]