Will mortgage rates rise to 8% or drop to 6%?
Educational
HousingWire reports that mortgage spreads climbed to 1.97% as rates finished the week at 7.20%, with oil holding near $100 and the Federal Reserve embarking on a fresh hike cycle. The range posed in the headline—whether rates push toward 8% or retreat to 6%—captures the uncertainty now facing anyone with financing decisions to make. What is clear is that the cost of borrowing has shifted meaningfully, and the spread between mortgage rates and underlying benchmarks has widened in ways that signal continued pressure.
For borrowers navigating this environment, the question is less where rates settle and how to structure financing that holds up regardless. loantrust.ai operates directly in this space, originating both consumer and investor mortgages across conventional, FHA, VA, and refinance programs for homeowners, alongside DSCR, fix-and-flip, bridge, new construction, multifamily, and bank-statement programs for investors. A single licensed MLO personally packages each file rather than routing it through a call center, which means the strategy conversation happens with the same person who understands how a DSCR loan qualifies on property cash flow, or how bank-statement programs serve self-employed borrowers whose tax returns do not tell the full story.
Positioning matters when spreads are this wide and the direction of rates is genuinely uncertain. A dedicated partner rather than a transactional call center can assess whether a bridge loan buys time to refinance later, whether a rental property's cash flow supports DSCR qualification without personal income scrutiny, or whether a first-time buyer's best move is a government-backed product today with an eye toward refinancing when the cycle turns. The structure of the financing, not just the rate, is what endures through volatility.
Source: HousingWire, “Will mortgage rates rise to 8% or drop to 6%?”. Read the original →
About loantrust.ai — Whether you're buying your first home, refinancing, or funding your next investment deal, you deserve a straight answer from a real loan officer — not a call center. loantrust.ai is the Atlanta-based mortgage brokerage where one licensed MLO personally packages every loan: conventional, FHA, VA, refinance, DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs. Get a written quote you can compare against any lender — in about two minutes: loantrust.ai
Hans Michel, Mortgage Loan Originator, NMLS #2857209 · LoanTrust is a dba of RentAssure Inc. · Licensed in Georgia · NMLSConsumerAccess.org · Equal Housing Opportunity. Nothing on this site is a commitment to lend — all loans subject to underwriting and approval. DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs are business-purpose loans for investment properties only.