Live lock-or-float guidance for floating clients. Real-time Treasury and MBS tape plus 7- to 60-day lock windows from The 2 Mortgage Guys.
These are market indicators we use to advise you — not a locked rate. They help us see what rates are likely to do, and whether you should consider locking your rate now or keeping it floating. You’ll get a Lock, Float, or Watch recommendation based on when your loan is closing: within 7 , 15 , 30 , 45 , and 60 days . We look at today’s bond and mortgage markets, and the official close when markets are shut.
Today’s guidance
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10-Year Treasury
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These indicators help us advise you on what rates are likely to do. Match the guidance to your closing date — not to a rate you saw online. If you close soon, we look at today’s market. If closing is further out, we look at the week’s trend. Longer locks cost more to hold, so we weigh that too.
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Lock or float guidance is based on market indicators from today’s bond and mortgage markets when they are open, and the latest official close when they are not. These indicators can change without notice and are not a commitment to lend, not a locked rate, and not an advertisement of a specific loan. Your price depends on credit, occupancy, lock period, and property. All loans are subject to credit and property approval. NMLS .