Why Your Mortgage Is 7%

Guided Notes (Student)

A $400,000 loan at 3 percent costs $1,686 a month against $2,661 at 7 percent, and students trace that $975 gap through the Treasury-plus-spread formula, October 2023's 4.99 percent yield plus a 2.80 point spread equaling 7.79 percent. They test the lock-in effect against real 2024 sales figures.

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Activity (Answer Key)
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Exit Ticket (Answer Key)
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