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Wednesday, December 3, 2025
Mortgage rates quietly approach the best levels of 2025 🤫📉🎉
Welcome to the Midweek Update!
Included in this update are the following sections:
- Midweek Recap
- Impact Calendar
- Mortgage Rate Prices
- Mortgage Spreads
- Rate Lock Guide
- Stock Markets (5-Day)
- Crypto Markets (7-Day)
- Precious Metals (5-Day)
Shop real-time mortgage rates anonymously and get instant qualification results at LendZen.com
MIDWEEK RECAP ⏪
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It’s been a mildly positive start to December.
Bonds rebounded after a soft Monday, notching two straight days of gains as traders brace for next week’s FOMC meeting.
Mortgage rate prices are now within 14 bps of the October 21 low, when bonds abruptly reversed course following the Fed’s last cut.
See today's index chart in the Mortgage Rate Prices section below.
A big part of the mortgage rate story this year has been the tightening of mortgage spreads.
While the 10-Year seems determined to stay above 4.00%, with the occasional dip below, mortgage bonds have continued to grind out gains.
The LendZen Mortgage Treasury Spread came in at 100-bps today, creeping in on the 3-year low of 92 bps from September.
See today's LMTS chart in the Mortgage Spreads section below.
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Mortgage rates at their best levels of the year? Inconceivable!
IMPACT CALENDAR 🗓️
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Bonds gained modestly with two positive sessions after Monday's weakness, driven by softer ISM Manufacturing and weaker ADP payrolls.
Thursday’s jobless claims, Challenger layoffs, and Revelio payroll data could help push mortgage rates to the best levels of 2025 if they show further weakness in the labor market.
Equally as important is the Friday PCE inflation data, The Fed's preferred inflation gauge.
By the end of the week, it will be much clearer what markets think the Fed will do next Wednesday.
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Mortgage Rate Impact Calendar DEC 01 - 05 (THU)
MORTGAGE RATE PRICES 📉
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Mortgage rates do not rise or fall, instead the PRICE of rates change.
The LendZen Index calculates a daily change in the price of mortgage rates by tracking a spectrum of mortgage-backed securities (MBS).
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- 24-Hour: -16 bps (-$162 per $100K)
- 5-Day: -6 bps (-$56)
- 10-Day: -44 bps (-$437)
- 30-Day: +11 bps ($107)
- 60-Day: -196 bps (-$1,961)
Learn more about the LendZen Index and explore the full data series at LendZen.substack.com
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LendZen Index Last 10-Days (December 03, 2025)
LendZen Index Historic Chart May 1 - December 03, 2025
MORTGAGE SPREADS 🧈
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Published daily with the LendZen Index is the LendZen Mortgage-Treasury Spread.
The LMTS uses actual bond yields to create a historically consistent, and reliable, data set.
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- Nov 26: 1.09
- Dec 03: 1.00
- 24h: -3 bps
- 5d: -9 bps
- 12m Avg: 1.25
- YoY: -37 bps
Learn more about the importance of accurately calculating spreads on this Reddit post.
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LMTS Spread (Inverted) + 10-Year Treasury Note
RATE LOCK GUIDE 🔒
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The LendZen LOCK-O-METER provides borrowers with a risk-weighted score based on how various macroeconomic events, including market data, central bank announcements, and geopolitics, each historically impacts the price of bonds.
higher risk scores = lean towards locking
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Closing Window
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[ 15 Days ] — 75 ðŸŸ
Event-driven risk dominates this short window. Bonds have remained steady, but Friday could swing sentiment before the FOMC. Risk reward favors locking.
[ 30 Days ] — 65 ðŸŸ
Bond sentiment has improved in the last two weeks, but just enough to recover the losses following the October Fed rate cut. The last 5 Fed cuts have resulted in a bond sell-off. Therefore, floating into next week’s FOMC decision seems like an unnecessary gamble considering mortgage rate prices are hovering near the best levels in years.
[ 45 Days ] — 53 🟡
Rate momentum has stabilized after a wild October end. Barring any upside surprises in inflation, there’s more flexibility beyond the Fed meeting, but the risk of reversal is still present.
[ 60 Days ] — 39 🟢
The broader trend stays supportive. Disinflation narratives and soft labor signals favor floating into early 2026 if the remaining December events/data cooperate.
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LendZen Lock-O-Meter Risk Scores (December 03, 2025)
STOCK MARKETS (5-Day) 📊
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- DJIA: 47,882 (+0.84%)
- S&P 500: 6,849 (+0.40%)
- NASDAQ: 25,606 (+1.17%)
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S&P 500 Index (USD) 5-Day Change - December 03, 2025
CRYPTO (1-Week) 🧮
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- Bitcoin: $93,326 (+6.82%)
- Ethereum: $3,150 (+6.45%)
- Solana: $142 (+2.72%)
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Bitcoin Price (USD) 7-Day Change - December 03, 2025
PRECIOUS METALS (5-Day) 🪙
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- Gold: $4,208 (+1.17%)
- Silver: $58.55 (+9.77%)
- Platinum: $1,672 (+5.49%)
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Gold Spot Price (USD) 5-Day Change - December 03, 2025
NEXT STEPS ✅
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- Mortgage rates change daily – customize a rate quote that updates automatically and revisit your current options anytime with just one-click and no human interaction at LendZen.com
- If you prefer having a rate quote scenario created for you visit this Reddit post.
- You can also check current rates for a variety of loan scenarios at this Reddit post.
- See how to instantly find the best mortgage deal in this Reddit post.
LEARN MORE ðŸ§
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- For mortgage insights like this post please join the Home Mortgage Rates Subreddit.
- Got a specific mortgage question? Post it in the “Mortgage Talk” Reddit thread.
- Track the daily change in mortgage rates across a variety of time series at LendZenIndex.com
- Learn more about breakeven timelines and when to refinance by visiting this Reddit post.
- Be more in control of when to lock your rate by reading this Reddit post.
Crypto is unironically the best way to save some assets from a possible marital dispute?
So I was wondering the other day on how a man could possible safeguard his assets in the event of a marriage breaking down.
From what I could research, India does not recognize the concept of a prenup, so you cannot enter into any form of a legal contract which would prohibit your wife from seeking up to 50% of your assets in the event of a divorce.
The whole transfer assets to your mom's name is also a kind of a grey area. From what I could find online, if the court has figured out that you transferred substantial assets few years before marriage to your mom or during marriage then the court could possible seize it.
To quote
''Quote begins"
- Court Scrutiny: Indian courts follow a mandatory and comprehensive financial disclosure regime as per the Supreme Court's judgment in Rajnesh v. Neha. Both parties must file detailed affidavits of their income, assets, and liabilities, often for the past 3-5 years. The court will scrutinize any transfers made around the time of marital disputes.
- Adverse Inferences and Penalties: If the court finds that you intentionally hid or transferred assets to defraud your spouse, it can:
- Draw an adverse inference against you, potentially leading to a higher maintenance award for your spouse.
- Impose fines and penalties or initiate contempt of court proceedings, which can include jail time.
- Re-allocate assets, potentially granting a larger share of the remaining assets to the victimized spouse.
"Quote ends"
I personally think that crypto is one of the few ways you can safeguard assets from a marital dispute and here's how that would work.
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Firstly, don't buy crypto from any registered crypto exchange in India like WazirX or CoinDCX, they all report your crypto purchases to the IT department and in the event of a court examination, it would be very visible that you own XYZ amount of crypto.
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You need to buy crypto from an offshore P2P exchange like Bitget, Bybit etc. These entities do not report your crypto purchases to any Indian authorities and there is effectively no record of you purchasing crypto via them. All P2P purchases will simply appear as expenses or money transfers to a third party on your bank statement and nothing else. You can claim they were paid to a friend for a trip or for a second hand scooter etc.
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Offshore crypto exchanges are themselves not very safe for holding crypto, so you need to buy a crypto wallet like Trezor etc. to store your crypto. Keep this offline crypto wallet secured with you and NEVER tell anyone about it. You can remove the trezor branding so it appears as a normal pendrive.
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Buy only bitcoin, any other crypto would possible lose value over time. If you want something which is cash like then you can consider buying USDT or USDC which are stablecoins and hold their value in the form of dollar. Every USDT/USDC can be sold for 1 dollar.
This is not a fool proof method and obviously, crypto as an asset is not very well received in most portfolios but if you want, you can just allocate 10-20% of your monthly income every month towards purchasing Bitcoin, USDT or USDC and keep it safe with yourself in the event of any future marital dispute.
People will FUD you saying bitcoin is a scam blah blah blah but a bigger scam is your FD of 50 lacs reducing to 25 lacs because your wife decided to divorce you for some guy in her office.
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