HomByt LinkedIn Post Kit

CopyThe 30-year mortgage rate ticked higher today. July 9 housing snapshot: • WSJ / Bankrate 30-year fixed: 6.56% • WSJ / Bankrate 15-year fixed: 5.83% • Freddie Mac 30-year fixed: 6.43% (July 2 weekly survey) • Freddie Mac 15-year fixed: 5.79% • Mortgage News Daily 30-year fixed: 6.68% (latest daily read, last updated July 8) • Mortgage News Daily 15-year fixed: 6.22% • Fannie Mae purchase application dollar volume: -17.3% WoW for the holiday-shortened week ending July 3 • Fannie Mae purchase application dollar volume: +20.6% YoY • Brent crude is near $78 and crude is near $73 as renewed U.S.-Iran hostilities keep Strait of Hormuz shipping risk live • June payrolls: +57,000 • Unemployment rate: 4.2% (participation fell) • April and May payroll revisions: -74,000 combined • May headline PCE: 4.1% YoY • May core PCE: 3.4% YoY • May new-home sales: 580,000 annual pace • New-home supply: 10.3 months • May new-home median price: $424,900 • May existing-home sales: 4.17 million annual pace • May existing-home median price: $429,300 • Existing-home inventory: 4.5 months • Fed held at 3.50%-3.75% on June 17 • NAHB builder confidence: 35 • Buyer traffic: 25 Here is the translation: The market gave buyers a slightly firmer 30-year print today. But it is not giving buyers an all-clear. Rates are still centered in the mid-6s. Inflation is still sticky. Inventory is better than the tightest years, but prices have not reset nationally. Builder confidence is weak, energy risk is still live, and holiday-week application demand softened, which keeps concessions in play. So buyers still have to answer the same question: "Does this payment actually work?" What you CAN control is being ready — so when the right property and the right seller meet your number, you lock. Buyers who know their ceiling can ask better questions: → Does this rate actually work on this payment? → What does the seller need to contribute to close the gap? → Does the builder incentive beat the resale alternative? → Can we buy the rate down and still have the deal make sense? That is where the leverage is. Start with your number first: hombyt.com/prequalify 5 minutes. No commitment. Just clarity. #FirstTimeHomeBuyer #Housing2026 #MortgageRates #HomByt

CopyKCC MARKET NOTE — July 9, 2026 Bankrate's 30-year ticked higher. Mortgage News Daily is still higher. Energy risk remains live. The underwriting band is still mid-6s. Current tape: • June payrolls: +57,000 • Unemployment rate: 4.2% (participation fell) • April and May payroll revisions: -74,000 combined • May headline PCE: 4.1% YoY • May core PCE: 3.4% YoY • WSJ / Bankrate 30Y fixed: 6.56% • WSJ / Bankrate 15Y fixed: 5.83% • Freddie Mac 30Y fixed: 6.43% • Freddie Mac 15Y fixed: 5.79% • Mortgage News Daily 30Y fixed: 6.68% • Mortgage News Daily 15Y fixed: 6.22% • Fannie Mae purchase application dollar volume: -17.3% WoW for the holiday-shortened week ending July 3 • Fannie Mae purchase application dollar volume: +20.6% YoY • Brent crude: near $78 as renewed U.S.-Iran hostilities keep Strait of Hormuz shipping risk live • Crude oil: near $73 • May new-home sales: 580,000 annual pace • May new-home supply: 10.3 months • May new-home median price: $424,900 • May existing-home sales: 4.17 million annual pace • May existing-home median price: $429,300 • May existing-home inventory: 4.5 months • Fed Funds: held at 3.50%-3.75% on June 17 • Fed signal: inflation remains elevated • NAHB June builder confidence: 35 • Current sales: 38 • Sales expectations: 45 • Buyer traffic: 25 The KCC read: 1. The rate band held, even with today's split quote tape. WSJ / Bankrate has the 30Y fixed at 6.56%, Freddie Mac's weekly survey is at 6.43%, and Mortgage News Daily's latest daily read is at 6.68%. The center of gravity is still mid-6%. 2. Supply improved, but prices did not reset. New-home supply is 10.3 months and existing-home inventory is 4.5 months. But median prices are still $424,900 for new homes and $429,300 for existing homes. That supports a localized negotiation thesis, not a national repricing thesis. 3. The labor market cooled, but the Fed still does not have an all-clear. June payrolls rose only 57,000, and April / May were revised down by 74,000 combined. But with headline PCE at 4.1% and core PCE at 3.4%, the inflation tape is still too hot for a clean easing story. 4. Demand remains uneven. Fannie Mae's holiday-week application data showed purchase dollar volume down 17.3% week over week, even though it remained up 20.6% from a year earlier. 5. Energy risk remains in the inflation story. Oil holding in the low-to-high $70s while renewed U.S.-Iran hostilities keep Hormuz risk live matters because energy feeds inflation expectations, bond yields, and mortgage pricing. 6. The edge is concession economics. Credits, buydowns, repairs, and basis negotiation matter more than waiting for a perfect rate headline. Bottom line: The tape delivered a firmer 30-year print, not an all-clear. The structural problem is not solved. The edge is still disciplined underwriting and concession economics before buyer confidence returns. KCC economic dashboard: https://landconexa-capital.vercel.app/economic #RealEstateFinance #CapitalMarkets #MortgageRates #KCC

CopyMost housing headlines describe the market. Buyers need the market translated into a payment. This morning: → WSJ / Bankrate has the 30-year fixed at 6.56% → WSJ / Bankrate has the 15-year fixed at 5.83% → Freddie Mac has the 30-year fixed at 6.43% → Freddie Mac has the 15-year fixed at 5.79% → Mortgage News Daily has the 30-year fixed at 6.68% → Mortgage News Daily has the 15-year fixed at 6.22% → Fannie Mae purchase application dollar volume fell 17.3% WoW in the holiday-shortened week ending July 3 → Fannie Mae purchase application dollar volume is still up 20.6% YoY → Brent crude is near $78 and crude is near $73 as renewed U.S.-Iran hostilities keep Strait of Hormuz shipping risk live → June payrolls rose only 57,000 → Unemployment held at 4.2% (participation fell) → April and May payrolls were revised down by 74,000 combined → Headline PCE is 4.1% YoY → Core PCE is 3.4% YoY → May new-home sales are running at a 580,000 annual pace → New-home supply is 10.3 months → New-home median price is $424,900 → May existing-home sales are running at a 4.17 million annual pace → Existing-home median price is $429,300 → Existing-home inventory is 4.5 months → The Fed held at 3.50%-3.75% and says inflation remains elevated → NAHB builder confidence is at 35 → Buyer traffic is at 25 Every one of those facts matters. But none of them answers the buyer's actual question: "Can I buy the house?" That is what HomByt is built to answer. The prequal workflow takes market conditions and turns them into buyer-facing decisions: • loan amount • estimated payment • taxes and insurance • down payment range • seller-credit scenarios • rate buydown impact • affordability ceiling • next action That is the gap in most housing tech. Dashboards tell professionals what moved. HomByt tells buyers what to do next. Try it: hombyt.com/prequalify Market intelligence: hombyt.com/mission-control #PropTech #HomByt #EconomicData #DeveloperTools #FinTech