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Rates ticked up about seven basis points overnight and are sitting just under 7% on the conforming side, so the upward pressure we've been watching is real but not dramatic yet. Florida inventory is quietly expanding toward 4.5 months of supply, which gives buyers more negotiating room than we've seen in a few years without signaling any kind of collapse in prices — the median is still holding near $415,000. If you're evaluating a purchase or refi right now, run your numbers at 7.25% as a stress test so you're not caught off guard if rates move another notch before you close.
Rates edged down slightly this week — the 30-year conforming is sitting around 6.74%, off about four basis points from yesterday, which is a small move but part of a broader sideways-to-softer trend worth watching. Florida inventory is hovering near 4.5 months and still expanding, which means buyers have more negotiating room than they did a year ago, even as the statewide median holds near $415,000. If you're in a position to move in the next 60 to 90 days, this is a reasonable time to get pre-approved and run your payment scenarios at current rates — not because rates are dropping fast, but because the market is giving you more options than it has in a while.
Rates are essentially flat this week — the 30-year conforming is sitting at 6.69% and hasn't moved enough in either direction to change your calculus. Florida inventory is nudging toward 4.5 months, which is a real shift from where we were a year ago — sellers are less in control, and that matters for how you approach a negotiation. If you're under contract or close to it, now is a reasonable time to have a serious conversation about whether to lock, because there's no meaningful trend pulling rates lower in the near term.
Rates are holding in a narrow range this week — the 30-year conforming is sitting around 6.70%, essentially flat from last week, so there's no dramatic move in either direction to chase or avoid. Florida inventory has been quietly expanding toward 4.5 months of supply, which gives buyers more negotiating room than they had a year ago, though median prices near $415,000 suggest sellers aren't under pressure to give it away. If you're evaluating a purchase right now, the more useful exercise is stress-testing your payment at current rates rather than waiting on a rate drop that may or may not materialize before prices or incentives shift.
Rates are holding near recent highs — the 30-year conforming is sitting at 6.65% range this week, essentially flat from last week with only minor day-over-day movement, so there's no meaningful shift in either direction to react to right now. In Florida, inventory has been creeping up, now around 4.5 months of supply, price cuts are becoming more common nationally with over 41% of listings seeing reductions, and that combination is giving buyers more negotiating room than they've had in a while. If you're serious about a purchase in the next 60 to 90 days, now is a good time to get pre-approved and run your actual payment numbers at current rates — not to lock anything in yet, but so you're not making decisions in the dark when the right property shows up.
Rates nudged higher this week, with the 30-year conforming benchmark sitting at 6.72% — up about six and a half basis points from yesterday — so if you've been watching and waiting for a meaningful dip, the market isn't giving you one right now. Florida inventory has expanded to roughly 4.5 months of supply, which is real movement toward balance and means buyers have more options and a bit more negotiating room than they did a year ago, even with the median price holding near $415,000. If you're seriously in the market, this is a good week to run your full payment scenario at current rates and stress-test it slightly higher — knowing your number takes the guesswork out of any rate fluctuation between now and closing.
Rates pulled back slightly this week, with 30-year conforming loans sitting around 6.65% and FHA closer to 6.49% — not a dramatic move, but the direction is modestly favorable and spreads are holding below the 7% threshold that tends to cool buyer activity more sharply. Here in Florida, inventory has been quietly expanding, now around 4.5 months of supply, which means buyers have more negotiating room than they did a year ago, even with the median price still holding near $415,000. If you're evaluating a purchase or refinance scenario right now, this is a reasonable week to run your numbers with current rate quotes and stress-test them against a range of 6.5% to 7% — that spread tells you a lot about where your comfort zone actually sits.
Rates dipped slightly this week — the 30-year conforming is sitting around 6.54%, down about three basis points day-over-day, which is modest movement but consistent with a market that hasn't broken decisively in either direction. Florida inventory is hovering near 4.5 months of supply and trending toward balance, meaning buyers have more negotiating room than they did a year ago without the market tipping into a buyer's market just yet. If you're actively shopping, this is a reasonable week to pressure-test your budget at current rates and have a frank conversation with your lender about whether locking now makes sense versus floating while you wait on a deal to come together.
Rates drifted slightly lower this week — the 30-year conforming is sitting around 6.51% and the 30-year FHA near 6.31%, so nothing dramatic, but the trend is modestly cooperative. Florida inventory is holding around 4.5 months of supply, price cuts are actually running lower than this time last year, and pending sales nationally are tracking ahead of 2025, which tells you demand hasn't walked away even with rates where they are. If you're actively shopping, this is a reasonable moment to run your full payment scenarios at current rates and know your number before conditions shift in either direction.
Rates are holding steady this week — the 30-year conforming is sitting at 6.46%, essentially flat from last week, and the spread between mortgage rates and Treasuries has improved enough that we're not seeing the kind of pressure that was pushing rates higher earlier this year. Florida inventory has expanded to about 4.5 months of supply, which means buyers have more options and less urgency than they did 12 to 18 months ago, though median prices around $415,000 haven't shown any meaningful decline. If you're in a position to move, this is a reasonable moment to get a full pre-approval in place and run your actual numbers — not because rates are about to spike or drop dramatically, but because the market is giving you more room to be deliberate than it has in a while.