In the July 7 episode of Optimal Insights, the team discusses the latest economic indicators and their implications for mortgage rates and the broader financial landscape. They analyze the recent jobs report, which showed strong headline numbers but revealed underlying weaknesses in private sector hiring.

The discussion also covers the delayed implementation of reciprocal tariffs, the evolving landscape of global trade negotiations, and the implications of the newly passed “Big Beautiful Bill,” which extends tax cuts and introduces new housing incentives.

Notable Insights:

• Mortgage rates remain stubbornly above 6.5%, with little near-term relief expected.
• The Fed is unlikely to cut rates in July; September remains uncertain.
• Global trade frameworks are accelerating, but loopholes like trans-shipping remain a concern.
• The U.S. dollar’s devaluation is reshaping international economic dynamics.
• Long-term bond yields may remain elevated due to rising global debt supply.

Optimal Insights Team:

• Jim Glennon, Vice President of Hedging and Trading Client Services, Optimal Blue
• Alex Hebner, Hedge Account Manager, Optimal Blue
• Kevin Foley, Director of Product Management, Optimal Blue

• Executive Producer: Sara Holtz
• Producers: Matt Gilhooly & Hailey Boyer

Mentioned in this episode:

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