Weekly Market Commentary - For the Week Ending 2/13/26

Rates Down This Week, HIGHER Benefit Amounts Next Week!

Welcome to this week’s edition of the SimpleReverse Weekly Market & Interest Rate Update for the week ending 2/13/26! 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.

As a reminder, ALL SimpleReverse offices will be closed on Monday, February 16^th in observance of the Presidents Day federal holiday!

Market Update:

Mortgage rates continue to trend downward and the 10YR Treasury moved down towards the low end of 4% this week. The markets continue to reflect a “FED on hold” policy when it comes to upcoming rate changes and the FED continues to reiterate that any upcoming rate decisions will be data driven.

The big news today was the release of the CPI numbers for January. Headline CPI came in at 2.4%, down from December’s 2.7% figure and below expectations. Core CPI came in at 2.5%, also below expectations. These figures show that inflation continues to ease, moving closer to the FED’s 2% target.

These figures tend to reduce pressure on long-term yields and does give the FED some room for eventual rate cuts later this year. But this alone isn’t definitive, as ongoing labor market concerns and tariff effects could keep underlying inflation numbers from falling too fast.

For Reverse Mortgage Professionals, now continues to be the time to position reverse mortgages as a way to solve cash flow concerns, preserve cash, avoid monthly payments, purchase a new home with no payments and as a tool to decrease drawing down investments to quickly. Continue to educate referral partners and frame reverse mortgages as a real retirement planning and purchase tool and not just a last resort loan program.

10YR CMT Interest Rate Projection for Next Week:

The 10YR CMT currently sits at 4.26% for this week and has been down significantly this week. We will see a decrease of around 9-11 bps in the Expected Rate next week! This will have a POSITIVE IMPACT on the Expected Rate and will result in HIGHER Benefit Amounts next week!

Based on the data from this week, we will see a DECREASE in the Expected Rate of about 9-11 bps for next week. This DECREASE will have a POSITIVE IMPACT on Benefit Amounts for next week. So, if you have applications or closings, you may want to WAIT UNTIL NEXT WEEK TO CLOSE OR TAKE APPLICATIONS SO THAT YOU CAN TAKE ADVANTAGE OF THE LOWER RATES AND “LOCK-IN” HIGHER BENEFIT AMOUNTS FOR YOUR CUSTOMERS!  With the President’s Day holiday on Monday, new rates for next week will not take effect until Wednesday, 2/18/26! 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!!!