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Market volatility has created dramatic swings in mortgage interest rates, with rates falling sharply after tariff implementation caused stock market declines, then rebounding rapidly the following day.

• Mortgage rates directly tied to 10-year Treasury bond yields, which drop when investors move from stocks to bonds

• Recent volatility saw rates swing from 5.875% to around 8% within 24 hours
• Locking rates provides protection while "relocks" allow borrowers to benefit if rates improve later

• **Minnesota Housing has reduced down payment assistance amounts and increased minimum credit score requirements** KNOW THESE NUMBERS!

• Experienced real estate professionals provide crucial perspective beyond rate fluctuations

For guidance through this volatile market or to discuss your specific situation, reach out to us directly - we're here to partner with you and help you achieve your real estate goals.

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