Weekly Market Commentary (For the Week Ending 1/16/26)

Rates Up Slightly This Week, NO Changes to Benefit Amounts Next Week!

Welcome to this week’s edition of the SimpleReverse Weekly Market & Interest Rate Update for the week ending 1/16/26! This newsletter gives you a quick update on what is going on in the markets and where the 10YR CMT is headed for the upcoming week.

Market Update:

Mortgage rates continue drifting lower this week and the 10YR Treasury is holding steady around the 4.2% mark, up from earlier in the week, but still below its levels from a year ago.

The markets are still digesting the first CPI and PPI numbers of 2026, which both confirm inflation is cooling toward the high 2% range but not back to its target. December jobs numbers came in with a modest 50,000+ increase and unemployment ticked down to 4.4%. The FED is widely expected to hold rates steady at its late January meeting, emphasizing that policy is in a good place and future moves will be deliberate and data-dependent. 

Markets continue to be driven by the economic data (jobs & inflation), FED messaging around rate expectations and global market forces of continued geopolitical tensions and international growth concerns. This continues a drive towards increased demand for US Treasuries as a “safe-haven” which tends to push yields lower that can put soft downward pressure on mortgage rates.

For Reverse Mortgage Professionals, with rates off their highs and the 10YR CMT in a more manageable range, you are better positioned to revisit past leads, educate referral partners and frame reverse mortgages as a real retirement planning tool and not just a last resort loan program. 

10YR CMT Interest Rate Projection for Next Week:

The 10YR CMT currently sits at 4.17% for this week and has been relatively steady this week. We will see an increase of about 1 bps in the Expected Rate next week! This will have NO IMPACT on the Expected Rate and will result in NO CHANGE to Benefit Amounts next week! 

Based on the data from this week, we will see an INCREASE in the Expected Rate of 1 bps for next week. This INCREASE will have NO IMPACT on Benefit Amounts for next week. So, there will be NO DIFFERENCE IN BENEFIT AMOUNTS FOR YOUR CUSTOMERS FROM THIS WEEK TO NEXT WEEK! With the Martin Luther King holiday on Monday, new rates for next week will not take effect until Wednesday, 1/21/26! We are providing this data to you so that YOU can continue to make the decisions that best suit your business based on the information you have!

If you have questions about this, please let me know! Thanks for the partnership and Good Selling!!!