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Rates Inch Further Into 1-Year Lows; Refi Apps Spike; Why So Many Have Been So Wrong

Rates Inch Further Into 1-Year Lows; Refi Apps Spike; Why So Many Have Been So Wrong

Mortgage rates barely budged today, but did manage to gain just a bit of ground. That means another 1-year low, technically, although many lenders are quoting the exact some conventional 30yr fixed rates as yesterday. The range is currently between 3.5% and 3.625% with most lenders still at the higher boundary. Investors were anxious to hear how Fed Chair Yellen would convey the Fed's current gameplan in light of recent market movements. Specifically, markets are forecasting no rate hikes in 2016 while Fed speakers have generally indicated there would be more like 4 hikes. Yellen did a good job of not getting too specific on that topic, only saying that the Fed wouldn't rush to change its stance based on one crazy month of market volatility, but would, of course, consider a balance of data
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