Market Desk
Opening & Closing Bell
Regular market snapshots focused on Treasury yields, mortgage pricing, technical levels and the next major catalyst.
Stan the Loan Man
Understand the market.
Know your options.
Mortgage & Real Estate Watch translates Treasury yields, mortgage rates, Fed policy and real estate trends into practical context for borrowers, homeowners, investors and real estate professionals.
Market education first. Financing strategy second. No hype — just context, options and informed decisions.
Stanley La Ferr
Mortgage Loan Originator · NMLS 2607530
Rates30-Year Fixed & Alternatives
Bonds10-Year Treasury & MBS
MacroFed, Inflation & Labor
Real EstateHousing & Financing Trends
What we watch
The goal is not to predict every tick. It is to understand the forces moving borrowing costs and real estate decisions — and what those changes may mean for your strategy.
Rate Context
Why the 10-Year Matters
Mortgage rates do not move one-for-one with the 10-Year Treasury, but it remains one of the most important benchmarks for understanding rate direction.
Borrower Education
Options Create Strategy
Fixed rates are only one piece of the financing landscape. We look at structure, payment, cost, timeframe and financial goals together.
Latest market insights
Long-form analysis behind the charts — mortgage rates, Treasury yields, housing activity and the market forces shaping borrower decisions.
Mortgage Rates
30-Year Fixed Mortgage Rates: The Chart Still Matters
What rising moving averages and MACD momentum say about the rate backdrop — and why the Fed does not directly set the 30-year fixed mortgage rate.
Housing Market
SoCal Home Sales: A Market Moving in Slow Motion
Why transaction volume can tell a very different story from prices — and what slower turnover means for buyers and sellers.
Full article coming next
Treasury Market
U.S. Debt & the 10-Year Treasury
How Treasury supply, investor demand, inflation expectations and fiscal borrowing can influence long-term yields and mortgage pricing.
Full article coming next
Guides
Evergreen mortgage and real estate education designed to help borrowers understand the mechanics behind rates, loan structures and financing decisions.
Featured Guide
What Really Determines Your Mortgage Rate?
Why the Fed does not directly set the 30-year fixed — and how Treasury yields, MBS, inflation, lender pricing, credit and loan structure fit together.
Homebuyers
Choosing the Right Loan Structure
Fixed, ARM, temporary buydown, interest-only and other structures — and the questions borrowers should consider when comparing them.
Coming soon
Investors & Self-Employed
Alternative Qualification Strategies
DSCR, bank-statement, asset-based and other financing approaches for borrowers whose profile may not fit traditional documentation.
Coming soon
For borrowers & homeowners
Learn how market volatility, loan structure, equity, time horizon and cash-flow priorities can affect financing decisions. Waiting for one “perfect” headline rate is not the same thing as having a strategy.
For agents & investors
Follow the macro signals that influence affordability, buyer psychology, investment financing and transaction activity — with an emphasis on what may matter next.
Your financial goals are unique. Your financing strategy should be too.
Whether you are buying, refinancing, evaluating equity, financing an investment property or simply trying to understand the market, start by knowing your options.