Wall Street Rollup(@WallStRollup):Morgan Stanley says AI could turn 30-year mortgages into "a floating-rate instrument that only floats down." Only ~1/3 of eligible homeowners refinance today, but the bank expects AI to push that toward 60%, which would squeeze returns in the $9T mortgage bond market.

Wall Street Rollup

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Wall Street Rollup@WallStRollup

2026.08.27 18:23

Morgan Stanley says AI could turn 30-year mortgages into "a floating-rate instrument that only floats down." Only ~1/3 of eligible homeowners refinance today, but the bank expects AI to push that toward 60%, which would squeeze returns in the $9T mortgage bond market.