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Writer's pictureCommCap Advisors

Commercial Lending Loan Spread Rate Update - Oct 9, 2024

Commercial lending loan spreads July 2024

 

The 10-year Treasury yield has risen to 4.04%, up from 3.65% prior to the Fed’s rate cut announcement, while the SOFR index has fallen below 5.00% for the first time since May. It is important to note that Treasury yields reflect investor sentiment about the long-term direction of interest rates, typically over the next 5-10 years. Long-term fixed rates do not move in direct correlation with short-term floating rates. When the Federal Reserve announced a 50 basis point cut, Treasury yields rose because the cut had already been priced into the market. Investors then shifted their focus to the potential for future inflation, interpreting the cut as a possible driver of rising prices. Treasury markets are now highly data-dependent, especially during periods of rate volatility. Yields will continue to react to key economic indicators, particularly reports on inflation (PCE, CPI) and employment (Payrolls, Unemployment). Q4 is here. Less than three months remaining... what else does 2024 have in store?


As yields fluctuate, "current rates" quickly become obsolete. However, spreads remain applicable and fitting to deal characteristics. Though rates are important, having a well articulated and defined debt plan matching your long-term investment plan is vital. The experts at CommCap are here to help you understand goals and navigate the current market providing access to multiple lending sources, early rate-locks, cash out refinancing, and more.

Commcap team
 

As your exclusive advisors, CommCap utilizes proprietary systems, market expertise, and years of experience to secure aggressive financing options that best fit your property. Exclusive correspondent and servicing relationships with Life Insurance Company, CMBS, and Agency lenders ensure a broad and in-depth representation of current market conditions. Our team of advisors craft a loan structured to enhance revenue and allow you to focus on increasing cash flow.


We do not list, sell, manage, or lease property. We only arrange financing and are the best at what we do.

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