Mortgage spreads—the gap between 30-year mortgage rates and 10-year Treasury yields—just hit their lowest point in more than three years. That means mortgage rates are falling faster than Treasury yields, giving buyers and homeowners new opportunities to lock in lower payments. In this episode, we break down why spreads matter, how much purchasing power has already improved since May, and what this shift means for investors weighing acquisitions, refinancing, and negotiation power in today’s housing market.

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