South Bay & Beyond / 사우스베이 앤 비욘드

Weekly Mortgage Newsletter -- October 31, 2026 Also on our main website: Read this newsletter on brucekang.com Read this report in Korean: brucekangrealestate.blogspot.com/2026/10/2026-10-31.html Weekly Mortgage Newsletter October 31, 2026 · Bruce Kang Real Estate · (310) 245-9953 · bruce@brucekang.com The Fed held rates steady -- but mortgage rates remain above 7%. Here is what that means for you as a buyer or seller right now. This Week at a Glance 7.29% 30-year fixed rate (MND) -- slightly lower than last week but still high 3.75-4.00% Fed funds rate -- held steady on October 28 in a 10-2 vote +3.4% Q3 GDP growth rate -- the U.S. economy is growing faster than expected 3.99M September existing home sales (annual pace) -- up 1.5% from August 29 NAHB builder confidence -- lowest since 2012, builders are cutting pri...

주간 모기지 뉴스레터 — 2026년 10월 31일 이 뉴스레터의 영문판은 brucekang.com에서 볼 수 있습니다: brucekang.com에서 영문판 보기 주간 모기지 뉴스레터 2026년 10월 31일 · Bruce Kang 부동산 · (310) 245-9953 · bruce@brucekang.com 📣 연준이 금리를 동결했지만 모기지 금리는 여전히 7%대 — 바이어에게 새로운 기회가 열리고 있습니다. 📊 이번 주 한눈에 보기 7.29% 30년 고정금리 (MND 기준) — 지난주보다 소폭 하락, 그러나 여전히 고수준 3.75–4.00% 연준 기준금리 — 10월 28일 동결 결정 (찬성 10, 반대 2) +3.4% 3분기 GDP 성장률 — 미국 경제는 예상보다 강하게 성장 중 3.99M 9월 기존 주택 판매량(연율) — 전월 대비 1.5% 증가, 여전히 둔화 추세 29 NAHB 주택건설업자 신뢰지수 — 14년 만에 최저치, 시장 압박 심화 +4.6% 주택 재고 증가율(전년 동기 대비) — 바이어 선택의 폭이 넓어지고 있음 📰 이번 주 주요 뉴스 10선 ① 연준, 기준금리 3.75~4.00%로 동결 — 그러나 내부 이견 표출 10월 28일, 미국 연방준비제도(연준)는 기준금리를 3.75~4.00%로 동결했습니다. 투표 결과는 10대 2로, Lisa D. Cook과 Beth M. Hammack 위원 두 명은 0.25%포인트 추가 인상을 주장했습니다. 연준은 경제가 강하게 성장 중이고 물가가 여전히 목표치(2%)를 웃돈다고 밝혔습니다. 다음 FOMC 회의는 12월 8~9일이며, 이 때 새로운 경제 전망치도 발표됩니다. 쉽게...

Also on our main website: Read this report on brucekang.com CALIFORNIA HOUSING MARKET · SEPTEMBER 2026 California Housing Market Report: September 2026 Prices held near last year’s level, but fewer homes changed hands. Here is what the latest numbers may mean for buyers, sellers, and homeowners across California. The month in one sentence California’s existing single-family home sales fell 6.5% year over year, while the statewide median price rose 1.7% to $899,720. More listings are giving shoppers additional choices, but the market is not uniform: location, property type, condition, and monthly affordability continue to matter. September at a glance Measure September 2026 Change Existing single-family home sales* 260,410 -3.4% MoM · -6.5% YoY Statewide median price $899,720 -0.2% MoM · +1.7% YoY Unsold inventory index 3.7 months 3.6 months a year ago Median time on market 29 days 32 days a year ago Average 30-year fixed mortgage rate 6.86% September average *Sales are seasonal...

Headline, Wednesday, October 28, 2026: The 30-year fixed rate sat at 7.33% for a third straight day as the Federal Reserve prepares to announce its decision at 2:00 p.m. Eastern. A hold is widely expected, but a December rate hike is the real question. Key Numbers at a Glance Item Value Note 30-yr fixed (Mortgage News Daily, 10/27) 7.33% Unchanged from the day before 30-yr fixed (Freddie Mac, week of 10/22) 7.32% Down 0.08 points from 7.40% 30-yr fixed (MBA, survey week ending 10/16) 7.41% Down from 7.50% the week before 10-year Treasury yield about 4.99% 52-week range 3.948% to 5.318% Fed funds range 3.75% to 4.00% (as cited by analysts) Decision due today Next FOMC meeting Dec. 8 to 9 Decision and projections Dec. 9 Timing note: MND publishes each day's rate after the close, so 'today' here means yesterday's close. Zillow's survey this morning showed a 30-year purchase average of 7.14%, but it measures differently. Rate Comparison Product Today (MND 10/27) Freddi...