Our Scans · (FS.6.06) Personal Finance · Weekly Summary

• [New] The Mortgage Bankers Association expects the 30-year mortgage rate to remain between 6.4% and 6.5% through the remainder of 2026, while Fannie Mae predicts rates will average 6.3% by year-end. ECIKS.org
• [New] Mortgage rates will be rangebound this week, as data showing inflation has cooled offsets higher oil prices as the war in Iran reignites. Bankrate
• [New] With no rate cut catalyst on the 2026 calendar, the 10-year Treasury and the mortgage spread will move investor rates more than the next Fed meeting will. / USA American Heritage Lending
• [New] A popular District of Columbia restaurant and nightclub will pay $243,350 to settle charges that it harmed employees by violating wage and hours laws. Insurance Journal
• [New] The looming insolvency of Social Security's retirement program will lead to a 22% benefit cut when today's youngest retirees turn 68, growing to 38% by 2100. Committee for a Responsible Federal Budget
• [New] If Social Security's retirement trust fund was theoretically combined with the Social Security disability fund, beneficiaries would face a 17% benefit cut just two years later in 2034, growing to 35% by 2100. Committee for a Responsible Federal Budget
• [New] Nearly 39% of China's population will be of retirement age. Medium
• [New] The Mortgage Bankers Association's Refinance Index is up 17% compared to a year ago - a sign that more homeowners are finding opportunities worth acting on. Nuvision
• [New] Mortgage rates track the 10-year Treasury yield and mortgage-backed securities, which move based on what investors expect about future inflation and Fed policy - not the Fed funds rate directly. Fairway Home Mortgage - Metrolina Fairway
• [New] SINGAPORE - Lower-wage outsourced workers such as cleaners, security officers and landscape maintenance workers will enjoy more annual leave from 2029, when the minimum leave entitlement will be increased from seven to 10 days. ST
• [New] The Retirement Living Council's 'Shared Care' pilot program will demonstrate that retirement villages can help alleviate pressure on the health system while allowing older Australians to receive care in the communities they love. Mirage News
• [New] Single-family mortgage originations will jump 24% this year to $1.96 trillion, including both home purchases and refinancing. ICBA.org
• [New] The Mortgage Bankers Association is forecasting that total commercial mortgage origination volume will increase 27% to $805.5 billion this year, while multifamily originations are expected to rise 21% to $399.2 billion. ICBA.org
• [New] On current trajectories, global construction output could fall short of demand by around forty trillion dollars cumulatively by 2040, with a skilled-labour shortage compounding the problem as an experienced generation of workers approaches retirement. Highways Today
• [New] The combination of attrition due to burnout, retirement, and more flexible or lucrative careers, with an inadequate number of people in the health workforce pipeline threaten the United States' ability to care for its population now and into the future. West Health Mosaic
• [New] Earned wage access (EWA) remains an area of significant regulatory interest, with continued focus expected on the future of California's current framework, potential legislative activity, and the use of the CCFPL to supervise providers. Morrison Foerster
• [New] Easing oil prices could mean the Bank of England may not have to raise interest rates as expected, which could bring down mortgage prices. The Guardian
• Pensions UK expects around 82% of workers to meet the minimum retirement living standard, but only 23% might reach the moderate standard and just 9% the comfortable standard. Gateley

Last updated: 27 July 2026