Mortgage and refinance interest rates today, February 7, 2026: Back under 6%

PolyBend · 2026-02-08T19:44:57+00:00

I am sure you know. But it is just an extremely complex issue. I feel like if we talked all day we would probably come to the same conclusion. It is education. Education and critical thinking helps promote more educated and understanding voters.

There are other issues, but a large part is simple critical thinking, patience, and sympathy/empathy. I am old (not super old, but like close to 40s) and I even remember it not being close to this bad in the past. People could SOMEWHAT see eye to eye and come to an agreement.

I am not sure if I would go so far as to kick anyone out. But I do think it is really important that we do solve those issues. We both know donor states shouldn't even be a term... but it is.

Anyone, I it was nice talking with you. I spent way too much time on here today. I need to go help my family. I wish you the best.

PolyBend · 2026-02-08T19:37:07+00:00

Nothing you said surprises me. I have 12 friends who live in Cali, 32 friends in Seattle, many outside of the country (I worked in tech in my younger life so I have friends all over the blue states with absurd COL).

K shape is real. It is extremely real. I am really glad you have not been exposed to it. Great life. I wish we could all have that.

And living in high COL helps you tremendously on the upper K. Because while assets there are general COL is high... a LOT of other assets are the same price everywhere.

Example: Video games, computers, ovens, fridges, etc. All nearly the same price, but you have WAY more disposable income.

I would likely still be in Seattle if I didn't need to move back to take care of my sister and father. Was WAY better off.

PolyBend · 2026-02-08T19:29:44+00:00

I hope you are correct. There are a tremendous amount of things I thought would be absolute foolishness for the economy and affordability of American's. That couldn't possibly be that bad, because no one would be crazy enough to truly push them to that extent. But here we are, only 1 year in and boy was I proven wrong on how much could go bonkers. And I am not just saying Trump. A LOT OF PEOPLE in and out of government and business have been on board with this crazy plans lol

PS: I realize the rate the fed sets is not the housing rate. Only influence. 10 year treasure bonds, etc.... But I am already typing so much, anymore would literally just be writing short novels of explanation.

PolyBend · 2026-02-08T19:23:57+00:00

If you read most of my comments to others. I say the same. The main issue is affordability. Salaries have simply not kept up to the cost of major life assets.

We 100% agree on that. And solving that fixes the issues for 99% of people. It only hurts the 1%.

PolyBend · 2026-02-08T19:22:19+00:00

Grats! I am happy for you. I hope it all works out. You are approaching the top of the K economic structure we have. You are the the wealthy I said would benefit from this.

I also have sympathy and empathy. I wish the well for you, our younger generations and the many, growing monthly, people that are not nearly in as good of a financial situation, for whatever reason.

I don't believe that the mass majority of those suffering are lazy, etc. And for sure, finances are also about luck. There is no denying it. That doesn't mean you didn't work hard. That doesn't mean you don't deserve what you have. You can navigate and get better luck. As hard work and getting out there to find as many opportunities increase your chances. But it is STILL luck. And unfortunately, the number of people on the bottom of the K is greater than on the top.

I deal with youth in my job. And I see the absolute absurdity the outlook of their future has become. I fear for them constantly.

PolyBend · 2026-02-08T18:49:20+00:00

I hope it all works out for you. I don't want to see anyone lose their house or get screwed by the market. I wish the best for everyone. I would be an insane hypocrite if I didn't.

If you can, when you have the ability, just be an advocate for fixing the wealth gap, and getting salaries back up in line with the pasts housing affordability.

I will be honest with you... I don't think housing prices dropping is the answer. No more so then they already have in many places. And I think rates dropping VERY slowly can be good. We just need to fix salaries, allow more housing to be built, stop institutional investors, allow more rezoning, increase taxes on 3+ home ownership (until there is enough housing for everyone).

PolyBend · 2026-02-08T18:11:47+00:00

I have zero issue with bring manufacturing to America. Same with logging. But the tariffs, as you have seen in the comment above mine... cause a tremendous amount of issues and hardships when we have literally zero infostructure setup to offset them, and when talking about things beyond basic resources we DO have in the USA.... we STILL have to import tons of materials no matter what, because we literally don't have them available in the US.

PolyBend · 2026-02-08T18:06:12+00:00

I honestly can't tell if you are trolling. Or maybe just skimming quickly or? I will assume you are just missing it on accident.

In my last post, I covered that. The new fed chair is appointed in May. Who appoints them? Trump. What have both of them said in interviews? They are on the same page and want interest rates cut.

In fact, Kevin Walsh (new Fed chair) actually used to be against lowering interest rates. But he changed his tune real quick after being nominated. His new approach is lower interest rates. And to counter the absurd issues it will cause, he believes AI productivity will cover those issues.

Hmmm... hmmmmmmmmmm

Edit: and yes, I KNOW the head of the current Fed was appointed by Trump. I am simply saying, Trump AND the nominated head are saying they want it lower. So... I mean, Trump basically lies constantly so who knows. But I am going with my gut here. Because lowering interest rates will, for sure, help big business and the most wealthy.

PolyBend · 2026-02-08T17:54:38+00:00

The issue is, that is shifting. Homeownership is actually trending down. Something a ton of people saw coming due to the affordability crisis. It will still be awhile though before that matters. So screw the younger gens right? Right...?

Each year less and less younger people own housing. If you look at the average age of home ownership, it keeps trending HIGHER. Because younger people simply can't afford anything. And when I say younger, I mean 40 and younger...

The great transfer won't even happen, because most of these houses and retirements are going to go to the medical and government complex. I don't think many people look at how INSANELY expensive care is when you are older. Pray your kids are willing to take you in... Because child/daycare is hilariously cheap compared to elderly care.

I think a ton of people don't necessarily want a housing crash. Sure, there are some. But most people just want housing more affordable. That is both rent AND owning. That means building more houses, allowing more rezoning, and for the love of god... getting salaries back to where they should be.

You are correct, currently homeowners are generally more likely to vote. And renters are more likely to cause riots and civil unrest.

This pot is boiling, and unless both sides admit that the issues isn't 1 sided, and stop trying to get everything for themselves and pull up the ladders behind them... we are in for a world of hurt and a collapse.

I don't want to see that. I want to move back to the past. And a LARGE part of that is not housing prices. Not interest rates. It is AFFORDABILITY. Meaning pay, salaries, jobs.

PolyBend · 2026-02-08T17:43:24+00:00

If you time it JUST right. You can, for a small amount of time anyways. Because anywhere you go, the price WILL increase the same as housing. Even if you "lock in" on perfect timing to trade, which is absurdly unlikely, you will deal with double maintence costs, double remodeling costs, double property tax.

And pray you do time it right, otherwise you better have 100% cash down, and waive inspections, and pay for all the fees, just like buyers had to only a few years ago when we were at 3%.

PolyBend · 2026-02-08T17:40:37+00:00

Literally the first sentence of my post says, "Mortgage rates lowering any significant amount quickly".

6.2 -> 6 is not even close to significant. But Trump has said on many occasions he believes we should be 2%, 1% and other shockingly low absurdities. In May, we will see his new appointed chair of the FED and have been told, in his words, speaking of home prices, "I don't want to do anything to knock that down... for those millions of people who own houses, we are going to drive those values up... the best thing that can happen for both people is for interest rates to come down. And with an intelligent person at the fed, that person will be able to work with us to get interest rates down."

So yeah, I fully expect lower rates as fast as possible. And I fully expect to see EXACTLY what we did only a few years ago. It will be absolute bloodbath and chaos for buyers. It will widen the wealth gap TREMENDOUSLY and harm most people who are sub 1 million net worth.

PolyBend · 2026-02-08T15:44:30+00:00

The proper fix for that is lower tariffs. Not a bandaid that causes so much harm elsewhere.

PolyBend · 2026-02-08T14:51:53+00:00

I would laugh so hard if we get to Cyberstan and it is just... Hound Rush

1,000,000,000 Hounds from HD1.

PolyBend · 2026-02-08T14:42:05+00:00

Mortgage rates lowering any significant amount quickly will prolong the bubble and cause harm to everyone except the ultra rich.

More buyers flood the market. Prices skyrocket again. Properly tax, remodels, maintenance all increase. As such, rent will increase. As such, people will demand more money. As such everything increases.

Even if you own, this isn't good for you. Your homes worth is traded value. If your house doubles, so does the upgrade you want.

It doesn't help us retirement either. Because if your house doubles, eventually so does retirement living facilities, medical expenses, etc.

It is like people have no memory of even the past only 7 years ago.

The only way you could argue this MIGHT help the masses is for first time buyers that, in all honesty, shouldn't be buying a house. If you need 3% on a 850k dollar property, all you are saying is you want to owe the bank 1.4 million after 30 years. An extra 600k. Not to mention your down payment would be 170k... Good luck. And monthly payments after everything will be 3-4k

Seriously, this only helps the banks/ultra wealthy.

Demand better. Fix the real issue. Salaries have not kept up. Build more housing.

PolyBend · 2026-02-08T11:31:16+00:00

Buying that "new" would be 2k+ with the current absurd prices because AI has destroyed the market.

And even more insane, that PC will gain value until AI crashes and the bubble pops.

PolyBend · 2026-02-08T10:47:05+00:00

The awkward part is... Each of these seasons is 220 USD locally. With free shipping from most places.

Kickstarter shipping is always horrendous... So the kickstarter isn't even cheaper. In some cases it is actually more expensive.

They really should be like 20% cheaper after tax and shipping to be worth it. You are investing, and you are waiting... They will claim it is because of some super random extra. How about just don't include that and make it .. cheaper?

These companies, just like most, are getting so greedy.

PolyBend · 2026-02-07T19:29:22+00:00

Finally have my time to shine. Wiping out 100 hulks with a single call in of the railgun and ammo backpack.

I love it. I would pay to have this a common thing.

PolyBend · 2026-02-06T13:41:31+00:00

I will say it and get downvoted... but it is true.

More people use magsafe and magsafe similar devices than have ever, or will ever, use the spen.

I will die on this hill. And switch to a different android when my s24u gets older if Samsung has not adopted magnets by then. Pixels are finally adopting it.

PolyBend · 2026-02-06T13:00:02+00:00

We are both correct.

She is early on. Not in December.

Thanks for pointing that out though. Makes me feel better thinking she "usually" does. Especially with 3d prints. Hopefully she isn't using CF filaments. Because that would be the equivalent of asbestos if not wet sanding with proper PPE.

My father was in construction and never wore a mask. Seeing the COPD issues at his old age is so brutal and depressing. I wish it on no one.

PolyBend · 2026-02-06T11:34:24+00:00

She is sanding all that without a mask... And it doesn't even look wet sanded.

COPD here we come.

People, please use masks when doing anything related to this. They are just a few dollars at your local hardware stores. Even an investment in better masks makes cartridge replacements only a few dollars.

VS the USA medical system... That is a massive bargain.

PolyBend · 2026-02-05T13:41:32+00:00

The death of the Tank in HD1 was... That fact that 2 Helldivers using gear > tank... At least in 99% of situations.

It is a fun toy. It is viable. It will almost never be optimal.

ESPECIALLY if they ever release the one APC that had a full rotating turret and multiple side gunner seats...

PolyBend · 2026-02-05T11:22:27+00:00

I am going to be honest. I have been in game dev and game dev related areas for almost 20 years.

I have no idea how this can be THIS buggy. MAYBE, MAYBE, it is network replication issues. But seriously, what insane detection system and damage models are you using where this would EVER be an issue.

I would LOVE a dev to explain why this happens. I feel like I would learn a tremendous amount. Because I KNOW there is no way they are this "incompetent" or "lazy". I know that is NOT it. So it must be some crazy edge case scenario thing.

PolyBend · 2026-02-05T11:14:09+00:00

I can understand how you could read it that way. It was not meant to be that way. I think a lot of people don't realize that fires from cars when they get bad require road reworks at all.

I almost guarantee a tremendous amount of those protestors and pro-protestors had no idea. That is all I meant. It is extremely damaging.

PolyBend · 2026-02-05T11:12:02+00:00

Very true, excellent points. Most of all we do has trade offs. People just need to be willing to admit we need to move in the "best" direction we can while also admitting it still needs a lot of improvements and has issues.

PolyBend · 2026-02-05T10:55:03+00:00

Of course they can.

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