In my April 2nd episode, I asked a simple question—is this the peak in mortgage rates? At the time, oil was surging, war tensions were escalating, and rates were pushing higher. Fast forward to today: oil has dropped sharply, a ceasefire is in place, and mortgage rates are already moving lower. So what changed—and what happens next? In this episode, we break down the exact chain reaction from war → oil → inflation → the 10-year Treasury → mortgage rates, and why this recent move lower may not be as straightforward as it seems.