Had they paid the closing costs at settlement, their rate would have been a quarter of a percentage point less.
The central bank has already raised its target twice by a quarter of a percentage point.
And, for the second time in recent months, it cut the Federal funds rate by a quarter of a percentage point.
The yield on the 10-year note is up more than a quarter of a percentage point to 5.67 percent.
Monday's move raised it a quarter of a percentage point, to 3.75 percent.
All the interest rate reductions announced today were by a quarter of a percentage point.
For the week, the 30-year bond has risen a quarter of a percentage point.
The central bank raised the Federal funds target rate by a quarter of a percentage point, to 5.50 percent.
It was raised a quarter of a percentage point, to 3.25 percent.
Earnings during the next 5 to 10 years will also be reduced by a quarter of a percentage point.