emergencyBreaking NewsKim Tucker Tremblay’s Boston Marathon Run Targets $9,000 for Hopkinton Emergency FundMortgage Rates Dip as Global Tensions Ease, but 'Lock-In' Effect Inhibits RefinancingA three-month extension on margin rule compliance could prevent forced sell-offs in Bangladesh’s distressed marketFundstrat Predicts S&P 500 Target of 7,300 as Sector Repricing Limits Pullback DepthStrong corporate earnings and investor skepticism keep markets from collapsing during Middle East crisisKim Tucker Tremblay’s Boston Marathon Run Targets $9,000 for Hopkinton Emergency FundMortgage Rates Dip as Global Tensions Ease, but 'Lock-In' Effect Inhibits RefinancingA three-month extension on margin rule compliance could prevent forced sell-offs in Bangladesh’s distressed marketFundstrat Predicts S&P 500 Target of 7,300 as Sector Repricing Limits Pullback DepthStrong corporate earnings and investor skepticism keep markets from collapsing during Middle East crisis
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Home/Financial Foundation/HIGH-YIELD SAVINGS RATE

A Two-Week Iran Ceasefire Lowers Mortgage Rates and Gas Prices

MF

Maeve Falconer

high-yield savings rate · Apr 9, 2026

A Two-Week Iran Ceasefire Lowers Mortgage Rates and Gas Prices

Source: DojiDoji Data Terminal

A half-point move on a $400,000 loan reduces monthly payments by $120. This decline in borrowing costs follows a sharp drop in the 10-year Treasury yield to 4.23%. The yield cratered after President Trump announced a two-week ceasefire with Iran on Tuesday.

Related Brief1d ago
mortgage rates

Middle East Ceasefire Cuts Monthly Mortgage Payments by $120

A borrower with a $400,000 loan saves $120 a month on a current 30-year fixed mortgage. This decline follows five straight increases that had pushed rates to their highest level in nearly seven months. The average 30-year fixed mortgage rate dropped to 6.37% from 6.46%, according to Freddie Mac. These shifts were driven by an easing in bond yields. The 10-year U.S. Treasury yield dropped to 4.23% from 4.3% a week ago. Bond yields eased after the U.S. and Iran agreed to a two-week ceasefire. West Texas Intermediate crude oil prices plunged 18% to $92 a barrel on the news, while Brent crude oil prices fell from a late March peak of $115.85 a barrel to around $90 a barrel.

Mortgage rates have been elevated since the war began on Feb. 28, with the 30-year fixed mortgage rate reaching 6.46% per Freddie Mac data.

Related Brief2d ago
mortgage rates

A ceasefire in the Middle East briefly eases mortgage rates — but the relief is measured in basis points, not affordability

Mortgage applications fell 0.8% last week from the previous week, even as the average 30-year fixed mortgage rate dropped to 6.37% from 6.46%. The decline follows a two-week ceasefire between the U.S. and Iran, which eased bond market pressure and pulled the 10-year U.S. Treasury yield down to 4.28% from 4.3%. The 15-year fixed rate also eased, falling to 5.74% from 5.77%. Just six weeks earlier, the 30-year rate had briefly dipped under 6%, raising hopes for homebuyers entering the spring market. But the war with Iran pushed oil prices and inflation expectations higher, driving Treasury yields up from 3.97% in late February and reversing the trend. The Federal Reserve does not set mortgage rates, but its rate policy influences investor expectations, which in turn affect the 10-year Treasury yield — a benchmark banks use to price loans. Any relief from the ceasefire may not last, according to Jiayi Xu, an economist at Realtor.com: “Until a more permanent resolution emerges, the fog of uncertainty is unlikely to fully lift from the housing market.” Homebuyers who were priced out six weeks ago remain priced out despite the minor rate drop. Sales of previously occupied homes remain at a 30-year low and have declined year-over-year in January and February.

Energy costs are also receding. West Texas Intermediate crude tumbled 18% to $92 a barrel. The national average for gas is currently $4.14 a gallon. Gas prices could fall below $4 a gallon within one to two weeks.

Related Brief1h ago
international residency

The Price of Residency in Six Tax-Competitive Jurisdictions

Legal residency in six countries is available to Americans through minimum economic investments ranging from €150,000 to 2 million AED. These programs allow high-net-worth families to access specific tax advantages and geopolitical diversification. Malta offers the lowest entry point with a Golden Visa requiring roughly €150,000 to €300,000. Portugal requires €250,000 to €500,000, while Greece requires €250,000 to €800,000. Italy's Golden Visas range from €250,000 to €2 million. In Panama, Golden Visas require $300,000, while Friendly Nations Visas are available for $200,000. The UAE requires 2 million AED for its Golden Visa. These investments grant legal residency and specific tax advantages.

high-yield savings rate

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