Let's let's spend another minute, Josh. I I don't want to sort of gloss over your best stocks in the market list with, by the way, another CNBC Pro um edition of of late. Um because what's interesting to me is the reason why we moved it up into our A block is number one, financials have been trading so well, but that you make the declaration that it's the smaller banks that are actually breaking out.um you like one chart especially but can you give us a little bit more on on that theme. Yes, absolutely. As ...

Mortgage Rate Trends - 30-year mortgage rates have fluctuated between approximately 6% and nearly 8% over the past two years [1] - Despite the Federal Reserve cutting short-term rates, longer-term rates have been increasing [1] - Historically, the Federal Reserve cuts rates when entering or already in a recession, leading to lower rates across the board due to decreased inflation expectations [1] Factors Influencing Mortgage Rates - The 10-year Treasury yield is a key driver of mortgage rates [2] - Supply and demand of treasuries significantly impact mortgage rates [2] Impact of Government Borrowing - Increasing government borrowing leads to a rising supply of treasuries [3] - If the demand for treasuries does not keep pace with the rising supply, bond prices decrease, resulting in higher yields (rates) [3]

Mortgage Market - The time to make an offer on a home might be now, considering the latest mortgage rates [1]

All right, let's talk about that. Let's talk about inflation. Let's talk about the Fed, not including Lisa Cook and more with Ben Emmens. He is founder and chief investment officer at Fed Watch Advisors. Ben, really appreciate you coming in on a Friday. Thank you very much. You're welcome. Uh I'm not going to ask you to adjudicate this or get into the politics of it, but does the outcome of this case, the independence of the Fed, whatever it is, does it matter to how we should look at the Fed as a rate maki ...

Housing Market Trends - The housing market is undergoing a recalibration period after the pandemic boom, with a shift in the supply-demand equilibrium towards buyers [7][16] - A bifurcation exists in the housing market, with Sun Belt and Mountain West areas experiencing more softening compared to the Midwest and Northeast [19][20] - Existing home sales are approximately 13 million below the normal trend, indicating a significant constraint in the purchase side of the mortgage market [35] - Refinance activity is also experiencing a three-year drought, coinciding with the low purchase side, making it a tough period for the mortgage industry [42] Builder Strategies and Margins - During the pandemic, builders had significant pricing power and record profit margins, but they have since compressed margins to entice buyers [3][4][5] - Builders initially used mortgage rate buydowns as a successful lever, but are now resorting to outright price cuts in some areas like Florida and Texas [6][8] - Builder margins have seen compression year-over-year among the top 11 publicly traded home builders, although many still exceed pre-pandemic levels [10] - Some builders are choosing to protect margins by pulling back on the overall number of sales, leading to a softening in single-family housing starts [11] Factors Influencing the Market - The deceleration of migration to Sun Belt areas means local incomes must now support prices, which are detached from underlying incomes [21][22][23] - The "lock-in effect," where homeowners are hesitant to give up lower mortgage rates, is impacting both supply and demand in different regions [28][31] - Tariffs have not had a significant impact on build costs, as only 7% of residential construction materials are imported, and some key materials were excluded from tariffs [13][14][15] Open Door Analysis - Open Door overpaid for homes in boomtown markets and faces challenges in the higher interest rate environment with less housing market churn [45] - There is skepticism about the long-term viability of Open Door's core I-buying business, but opportunities exist for the company to leverage its scale and attention to move into other business avenues [45][46]

Welcome to Mind Your Money. I'm Ally Canel and this is Yahoo Finance's flagship personal finance show. Think of this as your financial toolbox. For the next 30 minutes, we'll give you the latest money news, cut through the jargon, and tap into expert advice, all designed to help you take control and build a stronger, healthier financial future. On today's show, the end of the dimminimous exemption. Tariff exemptions for packages shipped to the US worth under $800 are over. We'll break down what it means for ...

Key Senate Democrats are pressing the Trump administration to hold off on plans to sell shares of Fannie Mae and Freddie Mac in order to study how the move would impact mortgage rates https://t.co/uFgXvBp0lb ...

Market Trends & Potential Risks - High mortgage rates are keeping aspiring homeowners on the sidelines [1] - Democratic senators fear the Trump administration is about to drive mortgage rates higher [1]

Mortgage rates in the US fell, keeping home-loan costs at a 10-month low https://t.co/9ZF0ndrd7E ...

She is former Bridgewwater chief investment strategist. She is now a senior fellow at the Council on Foreign Relations. Rebecca, there's so many angles that this is fast money. We're trying to bring it back to the investor. And what if anything to Dan's point, maybe this doesn't mean squat. What's your take? There's so many things that have to line up before the Fed actually loses its independence that that the Federal Reserve has a majority of Trump appointees or Trump friendly uh policy makers who cut rat ...