| are now at their highest level in two | 4.0 | Jump to 6.96 |  |  | 
              
                
                  | the year 10-year treasury ended 2021 at | 6.96 | Jump to 36.48 |  |  | 
              
                
                  | a 1.50 percent and was trading at a 1.86 | 5.92 | Jump to 39.76 |  |  | 
              
                
                  | from a quarter to three-eighths of a | 3.68 | Jump to 47.6 |  |  | 
              
                
                  | the 30-year fixed rate is still probably | 4.32 | Jump to 53.84 |  |  | 
              
                
                  | 30-year fixed rates are still well below | 3.84 | Jump to 58.16 |  |  | 
              
                
                  | or below three and a half percent i | 3.92 | Jump to 60.239 | 
                      
                        
                      
                        CARDINAL
                      
                      
                        below three and a
                      
                     |  | 
              
                
                  | 10-year adjustable at a rate of you know | 4.88 | Jump to 69.84 |  |  | 
              
                
                  | two and three quarters percent which can | 4.64 | Jump to 72.08 | 
                      
                        
                      
                        DATE
                      
                      
                        two and three quarters percent
                      
                     |  | 
              
                
                  | basis between that and a 30-year fixed | 4.0 | Jump to 76.72 |  |  | 
              
                
                  | locked in rates now sort of three and a | 4.481 | Jump to 91.759 |  |  | 
              
                
                  | well first of all there are a lot of | 3.36 | Jump to 102.96 |  |  | 
              
                
                  | two years you know do they need to | 3.84 | Jump to 129.84 |  |  | 
              
                
                  | what about you know one one way people | 3.36 | Jump to 142.239 |  |  | 
              
                
                  | if it's a 30-year loan you're only going | 4.401 | Jump to 168.319 |  |  | 
              
                
                  | to get 1 30th of the deduction on paying | 5.04 | Jump to 170.16 |  |  | 
              
                
                  | percent lower or two points your rate is | 4.72 | Jump to 176.48 |  |  | 
              
                
                  | heloc is a line of credit it's a second | 4.08 | Jump to 203.68 |  |  | 
              
                
                  | um that's interest only for the first 10 | 4.559 | Jump to 207.76 |  |  | 
              
                
                  | prime rate today is at three and a | 3.759 | Jump to 214.4 |  |  | 
              
                
                  | pay back as you see fit for a 10-year | 3.521 | Jump to 228.159 |  |  | 
              
                
                  | and then at the end of the 10 years | 3.6 | Jump to 231.68 | 
                      
                        
                      
                        DATE
                      
                      
                        the end of the 10 years
                      
                     |  | 
              
                
                  | there's generally a 20-year repayment | 5.119 | Jump to 233.2 |  |  | 
              
                
                  | fixed-rate loan that would be a second | 4.081 | Jump to 238.319 |  |  | 
              
                
                  | than they are for a first mortgage so if | 4.401 | Jump to 248.239 |  |  | 
              
                
                  | are tied to the 10-year | 4.16 | Jump to 282.4 |  |  | 
              
                
                  | half point one and done type thing | 3.521 | Jump to 311.039 |  |  | 
              
                
                  | really wanted 10-year treasury yields to | 4.8 | Jump to 350.8 |  |  | 
              
                
                  | go from 1.5 to nearly two percent in a | 5.44 | Jump to 352.8 | 
                      
                        
                      
                        PERCENT
                      
                      
                        nearly two percent
                      
                     |  | 
              
                
                  | two-week period it's just | 4.879 | Jump to 355.6 |  |  |