RetroRate is live in Miami! Full story: medium.com/retrorate/bienven… There are about 3,000 active assumable listings across South Florida, and most agents have never seen one. As of today, every MIAMI + RWorld member can find them all in search.

When you see headlines, tweets, etc. in the coming hours regarding mortgage rates moving up to 7.37% today, that will be because I'm about to update our rate index to 7.37%. Yes, Freddie Mac released their number today as well, and it's 7.03%, but may as well be gif of Steven Tyler belting out "dream on!" Freddie's weekly survey is a Wednesday through Wednesday 5-day average of rates that's reported on Thursday. It also doesn't account for the prevalence of upfront points/buydowns (which are increasingly prevalent in this market). Our rate index accounts for points and is immune from some of the pitfalls that plague other rate metrics. (If you're typing an angry reply about rates being lower than I say, read this paragraph twice): This DOES NOT mean you couldn't see a rate quote in the high 6% range today. Many lenders will find ways to quote something under 7% today, but in those cases, it will involve more upfront cost than the apples-to-apples vanilla rate quote for a top-tier 30yr fixed scenario over the years. What is that scenario? It's basically ideal: 25% down, 780+ FICO, owner occupied, purchase, single-family residence. Anything else would be higher. You can read as much as we're willing to share about our methodology here: mortgagenewsdaily.com/mortga… You can see a chart of how our daily index compares to Freddie and MBA over the years here: mortgagenewsdaily.com/mortga… (note: depending on when you click this, today's entry may not be reflected yet as I'm writing this tweet before updating the index). No one does the work we do to nail this math every single day and no one has done anything remotely comparable for remotely as long. Those who know me know I rarely toot my own horn, and that's not even the goal here as I would be sharing this info whether I was the guy in charge or just a mortgage pro who knows what's up (incidentally, if you're one of those mortgage pros, jump in the comments and hit me up if you managed to read this far). I'm sharing this because we're about to see the mortgage rate conversation explode even more than it has in recent days, and before everyone starts arguing about what rates really are or quoting my work without attribution, I figured I'd give myself a quick shout out to get ahead of it and to make sure everyone knows to point an laugh if anyone tries to tell you "rates are almost up to 7%" because the last day that was true was September 9th.

2023 spreads gets you to 8.59% The House Trade 😏

7.3% mortgage rates Is it even possible to kill the housing market more?

😂

Another 52-week high The average 30-year fixed mortgage rate today: 7.26% Same day last year: 6.37% ---------------- 10-year treasury yield: 5.13% Spread today: 213 bps

Record high mortgage rates got you down? Our new website just went up: retrorate.com/ Assume the best!

A $500,000 mortgage at 2.17%: $1,891/month. At 7.17%: $3,384/month. Same house. Same price. $1,493 more every month. The house didn’t become more valuable. The debt became more expensive.

Latest paid verified listing on @GetRetroRate

Here's the newest Verified listing on @GetRetroRate in San Antonio. Assumable loan at 13% down saves $555/mo. Seller connects us to loan servicer and promotes their intent to accept an assumption.

We told the room at RESO Spring 2026 we'd propose a standard for assumable loan data. The proposal is in and moving through review: buff.ly/472su9m How we got assumable loans out of the remarks and toward the MLS

Our @RESOStandards Spring talk is now live as a replay: buff.ly/Qdzz0Su 10% of active listings have an assumable loan. Most are invisible in the MLS. A #RESO standard fixes that for everyone at once. 15 min video. Proposal goes out next week. Join the subworkgroup!

New: RetroRate is now integrated with LERA MLS in San Antonio! Read it all from @HurlyMcDingus here: buff.ly/PWiVysI 1,500 assumable VA and FHA listings discoverable today!

Good read on how @HurlyMcDingus thinks about MLS partnerships, product discipline, and why hustle culture is a trap. mlsproptech.com/press-room/r…

Stoked for the coverage from mlsproptech.com! Check out the interview with CEO @HurlyMcDingus In the March 2026 issue...

After Veterans Day, we helped a VA seller close an assumption for a VA qualified disabled vet who got to keep the low-rate loan (waived VA 0.5% assumption fee + appraisal). Seller turned around entitlement directly with VA to get a low-rate loan on new construction. @GetRetroRate

Big players are eating the market with scale. Beat them with something they can't automate: trust + tools that actually respect the client relationship. Replay here: buff.ly/ADbmTXd Thanks to @homebotapp for inviting us!

Forget a 50-year mortgage. Try a 23-year mortgage.

Don't know how many times we need to say it: Stop Waiting for the Fed. medium.com/retrorate/stop-wa…

Big news: BeachesMLS just became the first MLS in the country with integrated assumable loan data powered by RetroRate. Read here: buff.ly/5QuWIPw Thousands of active listings have low rates. Now 43k agents can finally find them right where they already work.