Today’s refinance rates decline : July 9, 2021. The average 30-year fixed-refinance rate is 3.13%, down 2 basis points compared to last month’s 3.15%. The average for a 15-year refi is currently running at 2.44%, down 1 basis point since the same time last week.

The Dow jumps 440 points, rebounding from a one-day slide. All three major averages notched record closes on Friday, rebounding from the previous session’s losses over concerns of a slowdown in global economic growth. Friday’s comeback brought all three majors averages into the green for the week. The Dow rose 0.25% for the week, with the S&P 500 and Nasdaq gaining 0.4% each.

Mortgage applications fell 1.8% last week, according to the Mortgage Bankers Association’s seasonally adjusted index, indicating that interest in new home purchases and home refinancing is at its lowest level since before the pandemic. Although ultralow interest rates should be driving up demand, homes are scarce and increasingly expensive, pricing out potential buyers out of the market.

Continual floating of longer-term and brand new files, while locking interest rates in time for closing loans, is recommended.

今日2021 年 7 月 9 日抵押贷款重貸利率下降。 30 年期固定重貸平均资利率为 3.13%，在过去 7 天内下降了 2 个基点。 一个月前，30 年期固定重貸平均资利率比較高，为 3.15%。 15 年期重貸的平均利率目前为 2.44%，较上周同期下降 1 个基点。

道指跳涨 440 点创纪录，从单日下滑中反弹。 周五，三大股指均创下历史新高，因担心全球经济增长放缓而从前一交易日的跌幅中反弹。 周五的复出使本周的所有三个主要平均指数都处于绿色状态。 道指本周上涨 0.25%。 自周一以来，标准普尔 500 指数和纳斯达克指数分别上涨了 0.4% 和 0.4%。

根据抵押贷款银行家协会的季节性调整指数，上周抵押贷款申请下降了 1.8%，表明对新房购买和房屋再融资的兴趣处于 2020 年初大流行爆发之前的最低水平。尽管超低利率应该会推动 专家表示，随着需求的增加，房屋稀缺且价格越来越高——这导致潜在买家退出市场。

建议持续浮动较长期和全新的個案，並針對快完成的贷款及时锁定利率。