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Why are Mortgage Rates Still Going Up in 2025?
Welcome to another edition of our Market Commentary with RFG Advisory’s Chief Investment Officer, Rick Wedell!
The S&P 500 has bounced around a little bit over the past few weeks as the economic narrative for 2025 emerges, driven largely by changes in expectations for the interest rate environment over the course of the year. The unemployment rate is slightly higher than we’d like it to be, but meanwhile inflation is also slightly higher than target. On the latter front, the prospect of a new tariff package may put additional upward pressure on inflation in the first half of the year. As a result, the Federal Reserve has significantly cut back their guidance for interest rate cuts in the next 12 months, which has driven the yield on the 10-year Treasury up to levels not seen since April of last year.
In this edition of Market Commentary, Rick walks through how all of this will evolve in the next few months, and gives some insight into what this might mean for your own mortgage rate.
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This commentary reflects the personal opinions, viewpoints and analyses of RFG Advisory, LLC employees and should not be regarded as a description of advisory services provided by RFG Advisory, LLC or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Nothing herein constitutes investment advice, performance data or any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. RFG Advisory, LLC manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results.
Securities offered by Registered Representatives of Private Client Services (“PCS”). Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, a registered investment Advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No Advisory services may be rendered by RFG Advisory unless a Client agreement is in place.