U.S. Housing & Mortgage Market Update
Nationwide mortgage rates, inflation, jobs, housing supply, and stock market performance — in one page. Updated weekly by Eddie Rosales, Branch Manager · Sun West Mortgage Company, Inc.
Current Rates
Current Mortgage News
Buyers are getting more motivated again as rate volatility cools.
Current Interest Rate
National lender averages. Rates vary by credit score, loan type, and down payment.
Consistency = confidence. When buyers know what payment to expect, they’re more willing to write offers.
Consumer Price Index
Inflation – Last 12 Months (CPI)
When inflation cools, mortgage rates often follow.
History lesson: high inflation = expensive money.
Unemployment
Unemployment – Most Recent 12 Months
Jobs drive approvals. Lenders love steady W-2 income.
source: Unemployment – Last 50 Years
Long-term line with obvious spikes (early ’80s, 2008–09, 2020).
Inventory
Inventory & Homes Sold (2003 – Today)
If supply stays tight, home values tend to hold or climb even if rates stay elevated.
Stock Market
Stock Market Snapshot (Live Data)
Why this matters: strong markets = more people pulling cash for down payments, second homes, and investment properties.
Eddie Rosales
Branch Manager
Nmls #247465
Phone: (562) 284-1040
Email: [email protected]
Sun West Mortgage Company nmls 3277
18303 Gridley Rd, Cerritos Ca 90703
This illustration is for discussion purposes only and not a commitment to lend. Figures are estimates and subject to change. Consult your licensed loan officer for exact terms, eligibility, and disclosures appropriate to your state and program. Sun West Mortgage Company, Inc. (NMLS ID # 3277, nmlsconsumeraccess.org). Equal Housing Lender.