Why the Housing Market Is Mispricing Mortgage Rates

With the 10-year Treasury yield hovering near 4.66% and home prices still elevated, Lucas and Luna unpack a surprising disconnect: mortgage rates are lagging the bond market, and homebuilders are using buy-downs to mask affordability gaps. They walk through the data — including the latest CPI print at 332.6 and the Fed's IOER at 3.65% — to explain why the housing market may be mispricing risk. A focused look at spreads, builder incentives, and what it means for the broader inflation picture. No ads, just smart conversation. #HousingMarket #MortgageRates #FederalReserve #TreasuryYield #Inflation #Homebuilders #Affordability #RealEstate #CPI #MonetaryPolicy #BondMarket #HousingSupply #RateSpreads #LumberPrices #Forbearance #Economics #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo