In the days after the 9/11 attacks in 2001, interest rates fell sharply, as investors fled to the safety of bonds due to the uncertainty of what was happening.

In the weeks leading up to GW Bush’s invasion of Iraq in 2003, interest rates plummeted – with the 10-Year Yield falling 1/2 percent!

Similarly, when COVID news surfaced in 2020, rates plummeted and continued to fall in the face of extreme uncertainty.

These events illustrate why today’s rate increase could be construed as good news, as it implies that investors are not overly concerned about Epic Fury blowing up into something much bigger.

And, as I have stated many times previously, the bond market is often a far better predictor of future events than the best analysts on the planet, e.g. wisdom of crowds.

NOTE: While I am commenting on the financial repercussions of Epic Fury, I do not mean to make light of the seriousness of the situation in any way. I am avoiding the political and moral repercussions, as this blog is not the place for them.

Why Did Rates Go Up?

Rates went up because investors apparently don’t think Epic Fury will escalate and because oil prices went up.

Higher energy prices spook bond investors because they often portend higher prices in other goods and services, sparking inflation fears.

What Happened With Other Recent Iran/Middle East Events?

When the U.S. killed Iranian General Soleimani in 2020, both oil prices and rates went up in the days following.

When Hamas’s October 7th attacks took place in 2023, oil prices again spiked and rates edged higher.

When the U.S bombed Iran’s nuclear facilities last year, oil prices again spiked while rates edged higher.

But – in all cases, oil prices and rates eventually settled back to where they were prior to the events.

So Should Everyone Panic Lock Today Before Rates Shoot Higher?

Absolutely not.

That is the point of this blog. Based on past events and based on the accuracy of bond and oil market investors, it is unlikely that rates will continue to rise or even stay up.

They will very likely fall again – like they did in the past.

The Importance of Oil Prices and What Could Make Me Wrong

While oil prices did go up, it is very important to note that they only went up by $3 to $4 per barrel.

This indicates that oil investors also believe that the war will not escalate, as a major escalation could shut off the transportation (Straits of Hormuz) of 20% of the world’s oil supplies.

If the war does escalate (and it still could), and Iran is able to shut down the Straits of Hormuz – oil prices would likely spike by as much as $30 per barrel – and we’d see all hell break loose (and potentially much higher rates).

Sign up to receive our blog daily

 

Get your instant rate quote.
  • No commitment
  • No impact on your credit score
  • No documents required

Most popular

30-Year Fixed-Rate 30-Year Fixed-Rate
15-Year Fixed-Rate 15-Year Fixed-Rate
FHA FHA
Jumbo Jumbo
VA VA
Bridge Loans Bridge Loans
See all loan types

SPECIAL PROGRAMS

First-Time Buyer Discount JVM's FREE 2-1 Rate Buydown

Lower your rate for 2 years!

JVM's EasyPath JVM's EasyPath

Easiest way to buy before selling

JVM's Neighborhood Saver JVM's Neighborhood Saver

Get a 2% lender credit

JVM's Rate Drop Free-fi™ JVM's Rate Drop Free-fi™

Refinance at no cost

Which home loan is best for you?

Which home loan is best for you?

  • Takes 30 seconds
  • No personal info required
Home Loans

We're here to make your mortgage as easy as possible.

Next steps

Get Pre-Approved Get Pre-Approved

See what you can afford

Homebuying Process Homebuying Process

Know what to expect

First-Time Buyer Guide First-Time Buyer Guide

Everything newbies need to know

LEARN

JVM's Rate Drop Free-fi™ JVM's Rate Drop Free-fi™
First-Time Buyer Discount First-Time Buyer Discount
Homebuying Tools Homebuying Tools
Why We Have No Loan Officers Why We Have No Loan Officers
Free Analysis Refinance

Find out whether you're missing out on monthly savings:

REFINANCE LOANS

Rate & Term Refinance Rate & Term Refinance
Cash-Out Refinance Cash-Out Refinance
No Cost Refinance No Cost Refinance
Home Equity Loans Home Equity Loans

GET SAVING

Should I Refinance? Should I Refinance?

See what makes sense for you

Refinance Tools Refinance Tools

Learn all about refinancing

JVM Rate Watch JVM Rate Watch

Get notified when rates drop

oday's Mortgage Rates
oday's Mortgage Rates Today's Mortgage Rates

See rates in real time

Today's Mortgage Rates
Interactive Rate Tool
Interactive Rate Tool Interactive Rate Tool

Compare different loans & rates

Interactive Rate Tool
DSCR Rates
DSCR Rates DSCR Rates

Our best investor loans and rates

Get My Instant Rate Quote

WHY PARTNER WITH US

Agent Partner Benefits Agent Partner Benefits

We're the lender that builds your business. When you succeed, we succeed!

Agent Resource Guide Agent Resource Guide

Access and learn all about JVM's exclusive partner resources and tools.

AGENT TOOLS

Refer A Client Refer A Client
Order Co-Branded Marketing Materials Order Co-Branded Marketing Materials
Check Today's Rates Check Today's Rates

Want to take your business to the next level?

Join our agent partner network

HELPFUL TOOLS

Credit Bureau Opt-Out Credit Bureau Opt-Out

Avoid unwanted spam calls

Interactive Rate Tool Interactive Rate Tool

Play around with the numbers

Compare Loan Estimates Compare Loan Estimates

Get a second opinion

 
Homebuyer Tools Homebuyer Tools
Mortgage Blog Mortgage Blog
Find A Realtor Find A Realtor
Mortgage Term Glossary Mortgage Term Glossary

CALCULATORS

Mortgage Calculator Mortgage Calculator
Affordability Calculator Affordability Calculator
Rate Buydown Calculator Rate Buydown Calculator
Refinance Calculator Refinance Calculator
Amortization Calculator Amortization Calculator 

ABOUT US

Our "No Loan Officer" Model Our "No Loan Officer" Model

We're proof that different works.

Client Testimonials Client Testimonials

Our 1,300+ five-star reviews say it all!

Our Services Our Services

See what our team is doing for you behind the scenes

 
Meet Our Team Meet Our Team
Careers Careers
JVM Gives Back JVM Gives Back
Contact Us Contact Us

CONTACT

Guaranteed 60-minute responses during operating hours

Get in touch with us
You are less than 60 seconds away from your quote.
You are less than 60 seconds away from your quote.

Resume from where you left off. No obligations.