Sunday is genuinely quiet on the mortgage news front, and that's good news for your coffee! There has been no bond session since Friday's close, no new economic print and no new agency or GSE directive overnight. Bankrate's conventional 30-year reads 7.49% this morning, unchanged from Saturday and still the top of its 90-day range of 6.54% to 7.49%. With nothing new to react to, today is a chance to look ahead and get your week organized.
The week's calendar is where the next move comes from. Weekly jobless claims and the next Freddie Mac PMMS both land Thursday, October 8. CPI falls in the October 10 to 15 window and is the next print with the weight to move rate sheets in either direction. The FOMC meets October 27 to 28, and that meeting does not carry a new dot plot. Monday's bond session is the first chance for rate sheets to move off this level.
On rates, the honest read is that the climb has not reversed. Bankrate's 30-year is up from 7.22% a week ago, which on a $400,000 loan adds about $74 a month in principal and interest, and against its 30-day low of 6.83% the gap is about $178. Freddie Mac's PMMS printed 7.28% Thursday, up 25 bps on the week and 57 bps over 30 days on that survey. Government loans still price under conventional on Bankrate, with FHA at 7.20% and VA at 7.19%.
On the regulatory side, the comment period on HUD's supplemental proposal on Fair Housing Act disparate-impact rules, docket FR-6540-P-02, closes Friday, October 9. Per the Federal Register notice, it reopens comment on HUD's January 2026 proposal to remove its disparate-impact regulations and proposes removing related provisions from HUD's Title VI rules for recipients of HUD financial assistance. Nothing changes for a loan file until a final rule is published, so for now this is a date for the compliance team that tracks fair-lending rules. Comments on the OCC and FDIC Community Reinvestment Act proposal close October 13, and comments on the banking agencies' expanded examination cycle interim final rule close October 14.
Things you may have missed this week: Fannie Mae's September 30 Selling and Servicing News says loan-level price adjustments are now aligned across Classic FICO and VantageScore 4.0, so pricing follows one consistent approach whichever of the two models a lender delivers. Fannie also updated its UAD timeline for sellers using the temporary exception: new UAD 2.6 appraisal submissions run through May 19, 2027, resubmissions through June 27, 2027, and UAD 2.6 retires June 28, 2027, while the UAD 3.6 mandate takes effect November 2 for everyone else. Fannie has a Highest and Best Use webinar on October 13 and an appraiser-focused session on October 14 covering how that policy applies in UAD 3.6 assignments. And the quick 72-hour recap: September payrolls rose 29,000, unemployment ticked up to 4.2%, Fed Vice Chair Philip Jefferson said the Fed may take more time before another hike, and the 10-year touched 5.17% on Friday before closing at 5.28%.
list every unlocked file scheduled to close before October 16 and set a Monday-morning reminder to talk lock-or-float with each borrower before Thursday's claims and PMMS and the CPI window that follows.