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Struggling To Find a Home To Buy? New Construction May Be an Option.

There’s no question that the financial benefits of selling a house are outstanding today. Now is truly a great time to list if you’re ready to make a change. But if you do sell your house right now, you may be wondering where you’ll go when you move. With so few homes available to buy […]

Why It Just Became Much Easier To Buy a Home

Since the pandemic began, Americans have reevaluated the meaning of the word home. That’s led some renters to realize the many benefits of homeownership, including the feelings of security and stability and the financial benefits that come with rising home equity. At the same time, many current homeowners have decided their house no longer meets […]

Win When You Sell (And When You Move)

If you’re trying to decide when to sell your house, there may not be a better time than this winter. Selling this season means you can take advantage of today’s strong sellers’ market when you make a move. Win When You Sell Right now, conditions are very favorable for current homeowners looking for a change. […]

A Checklist for Selling Your House This Winter [INFOGRAPHIC]

Some Highlights If you’re planning to sell your house this winter, you’ll want it to look its best inside and out. Take the time and focus on tasks that make it inviting, show it’s cared for, and boost your curb appeal. Let’s connect so you have an expert opinion on what to focus on, so […]

Tips for Single Homebuyers: How To Make Your Dream a Reality

If you’re living on your own and looking to buy a home, know that you can make your dream a reality with thoughtful planning and the right team of experts. Research from Freddie Mac shows 28% of all households (36.1 million) are sole-person, and that number is growing. Over the past 40 years, the number […]

How To Think Strategically as a Buyer in Today’s Market

The game of chess can provide incredible lessons to apply to all aspects of life, including the homebuying process. Chess requires you to plan and think about your strategy from the very beginning of the game. The homebuying process, like chess, requires strategy and planning. Here are a few things to keep in mind to […]

Home Is Where the Heart Is More than Ever This Year

There’s no denying the financial benefits of homeownership, but what’s often overlooked are the feelings of gratitude, security, pride, and comfort we get from owning a home. This year, those emotions are stronger than ever. We’ve lived through a time that has truly changed our needs and who we are, and as a result, homeownership […]

Why Now Is a Great Time To Sell Your House

As we near the end of the year, more homeowners are realizing the benefits of today’s sellers’ market. Record-breaking home price appreciation, growing equity, low inventory, and competitive mortgage rates are motivating homeowners to make a move that addresses their changing lifestyles. In fact, recent data from realtor.com shows a larger share of homeowners are […]

How Smart Buyers Are Approaching Rising Mortgage Rates

Last week, the average 30-year fixed mortgage rate from Freddie Mac inched up to 3.1%, and experts project rates will continue rising through 2022: “The 30-year fixed-rate mortgage was 2.9% in the third quarter of 2021. We forecast mortgage rates to increase slightly through the remainder of the year and reach 3.0%, rising to 3.5% […]

Don’t Believe Everything You Read: The Truth Many Headlines Overlook

There are a lot of questions right now regarding the real estate market as we head into 2022. The forbearance program is coming to an end and mortgage rates are beginning to rise. With all of this uncertainty, anyone with a megaphone – from the mainstream media to a lone blogger – has realized that […]

4 Ways Homeowners Can Use Their Equity

Your equity is a powerful tool that can help you achieve your goals as a homeowner. And chances are, your equity grew substantially over the past year. According to the latest Equity Insights Report from CoreLogic, homeowners gained an average of $51,500 in equity over the past year. If you’re looking for the best ways […]

Your Journey to Homeownership [INFOGRAPHIC]

Some Highlights When it comes to buying a home, there are a number of key milestones along the way. The process includes everything from building your team and understanding your finances to going house hunting, making an offer, and more. When you’re ready to start your journey, let’s connect so you have trusted guidance at […]

Home Sales About To Surge? We May See a Winter Like Never Before.

Like most industries, residential real estate has a seasonality to it. For example, toy stores sell more toys in October, November, and December than they do in any other three-month span throughout the year. More cars are sold in the U.S. during the second quarter (April, May, and June) than in any other quarter of […]

Retirement May Be Changing What You Need in a Home

The past year and a half brought about significant life changes for many of us. For some, it meant entering retirement earlier than expected. Recent data shows more people retired this year than anticipated. According to the Schwartz Center for Economic Policy Analysis, 2021 saw a retirement boom: “At least 1.7 million more older workers […]

Sellers: You’ll Likely Get Multiple Strong Offers This Season

Are you thinking about selling your house right now, but you’re not sure you’ll have the time to do so as the holidays draw near? If so, consider this: even as the holiday season approaches, there are plenty of buyers out there, and they really want your house. Here’s why selling this winter is a […]

4 Things Every Renter Needs To Consider

As a renter, you’re constantly faced with the same dilemma: keep renting for another year or purchase a home? Your answer depends on your current situation and future plans, but there are a number of benefits to homeownership every renter needs to consider. Here are a few things you should think about before you settle […]

Should I Update My House Before I Sell It? [INFOGRAPHIC]

Some Highlights If you’re deciding whether you should make updates before you sell your house, lean on your agent to be your guide. If the market is flooded with houses for sale, updates may be necessary for your house to stand out. In our current sellers’ market, the added expenses might not be worth it. […]

VA Loans: Helping Veterans Achieve Their Homeownership Dreams

The purpose of Veterans Affairs (VA) home loans is to provide a pathway to homeownership for those who have sacrificed so much by serving our nation. As the Veterans Administration says of the program: “The objective of the VA Home Loan Guaranty program is to help eligible Veterans, active-duty personnel, surviving spouses, and members of […]

What’s Happening with Home Prices?

Many people have questions about home prices right now. How much have prices risen over the past 12 months? What’s happening with home values right now? What’s projected for next year? Here’s a look at the answers to all three of these questions. How much have home values appreciated over the last 12 months? According […]

How Sellers Win When Housing Inventory Is Low

In today’s housing market, the number of homes for sale is much lower than the strong buyer demand. As a result, homeowners ready to sell have a significant advantage. Here are three ways today’s low inventory will set you up for a win when you sell this season. 1. Higher Prices With so many more […]

Two Graphs That Show Why You Shouldn’t Be Upset About 3% Mortgage Rates

With the average 30-year fixed mortgage rate from Freddie Mac climbing above 3%, rising rates are one of the topics dominating the discussion in the housing market today. And since experts project rates will rise further in the coming months, that conversation isn’t going away any time soon. But as a homebuyer, what do rates […]

Numbers Don’t Lie – It’s Still a Great Time To Sell [INFOGRAPHIC]

Some Highlights Heading into the end of the year, you might wonder if it’s still a good time to sell your house. Here’s what the latest data from the National Association of Realtors (NAR) says. Housing supply is lower than last year, and home prices are up nationwide. Meanwhile, the average home is selling fast […]

Why a Wave of Foreclosures Is Not on the Way

With forbearance plans coming to an end, many are concerned the housing market will experience a wave of foreclosures similar to what happened after the housing bubble 15 years ago. Here are a few reasons why that won’t happen. There are fewer homeowners in trouble this time After the last housing crash, about 9.3 million […]

Experts Project Mortgage Rates Will Continue To Rise in 2022

Mortgage rates are one of several factors that impact how much you can afford if you’re buying a home. When rates are low, they help you get more house for your money. Within the last year, mortgage rates have hit the lowest point ever recorded, and they’ve hovered in the historic-low territory. But even over […]

Sellers Have Incredible Leverage in Today’s Market

With mortgage rates climbing above 3% for the first time in months, serious buyers are more motivated than ever to find a home before the end of the year. Lawrence Yun, Chief Economist for the National Association of Realtors (NAR), puts it best, saying: “Housing demand remains strong as buyers likely want to secure a home […]

Renters Missed Out on $51,500 This Past Year

Rents have increased significantly this year. The latest National Rent Report from Apartmentlist.com shows rents are rising at a rate much higher than the three years leading up to the pandemic: “Since January of this year, the national median rent has increased by a staggering 16.4 percent. To put that in context, rent growth from January […]

The Mortgage Process Doesn’t Have To Be Scary [INFOGRAPHIC]

Some Highlights Applying for a mortgage is a big step towards homeownership, but it doesn’t need to be one you fear. Here are some tips to help you prepare. Know your credit score and work to build strong credit. When you’re ready, lean on your agent to connect you with a lender so you can […]

Does Your House Have What Buyers Want?

The rise in remote work is changing what many Americans want in their homes. Many companies are choosing to delay reopening or go remote full-time, and today’s buyers are looking for homes with more space to support their work needs. As a seller, if you no longer need the extra room you have in your […]

Housing Challenge or Housing Opportunity? It Depends.

The biggest challenge in real estate today is the lack of available homes for sale. The low housing supply has caused homes throughout the country to appreciate at a much faster rate than what we’ve experienced historically. There are many reasons for the limited number of homes on the market, but as you can see […]

There Are More Homes Available Now than There Were This Spring

There’s a lot of talk lately about how challenging it can be to find a home to buy. While housing inventory is still low, there are a few important things to understand about the supply of homes for sale as we move into the end of the year. The Number of Homes for Sale Usually […]

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Soft Landing from Pandemic Could Mean Less Inventory, Higher Prices; Lower Rates Boosted Refis

Black Knight’s Mortgage Monitor for the month of October looks at current delinquency statistics and their potential downstream effects on inventory and other housing concerns. The report seems to confirm that homeowners, even those who sought forbearance protection during the COVID-19 pandemic, seem to be performing well on their mortgage loans. The national mortgage delinquency […]

MBS RECAP: Losses Continue for Treasuries, But Not MBS

Posted To: MBS Commentary Losses Continue for Treasuries, But Not MBS Treasury yields were set to start the day lower before upbeat omicron news hit at 6:45am this morning. With that, a day of weakness was set in motion. Yields moved higher until noon before investors figured we'd seen enough to facilitate strong bidding a […]

Mortgage Rates Hold Steady After Moving Higher Earlier This Week

Posted To: Mortgage Rate Watch Mortgage rates stabilized today after spending the past 2 days moving modestly higher. In general, rates moved almost exclusively lower last week in response to concerns over the omicron variant. With several news stories acting to temper those concerns, the current week has essentially been a push back in the […]

Treasury auctions $36B in 10-year notes

(Please visit the site to view this media) CNBC’s Rick Santelli reports on the latest auction of 10-year Treasury notes. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Treasury auctions B in 10-year notes Treasury auctions B in 10-year notes

Soft Landing from Pandemic Could Mean Less Inventory, Higher Prices

Posted To: MND NewsWire Black Knight’s Mortgage Monitor for the month of October looks at current delinquency statistics and their potential downstream effects on inventory and other housing concerns. The report seems to confirm that homeowners, even those who sought forbearance protection during the COVID-19 pandemic, seem to be performing well on their mortgage loans. […]

Lower Rates Stoked Refinancing During Post Holiday Week

Posted To: MND NewsWire The combination of lower rates and a post-holiday business week made mortgage application activity during the week ended December 3 more than a little uneven. The Mortgage Bankers Association (MBA) said its Market Composite Index, a measure of mortgage loan application volume, rose 2.0 percent on a seasonally adjusted basis from […]

Sales, Appraisal Jobs; Jumbo, Processing, Servicing, Warehouse Tools; Better.com's Woes

Posted To: Pipeline Press “Dear Santa: This year I would like a) a slim body, and b) a fat bank account. Don’t mix them up like you did last year.” Ah, if only we could turn back time. Better.com CEO Vishal Garg’s apology letter to current employees has been leaked on Blind by a verified […]

The 9am Bond Report – December 8, 2021

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MBS Morning: Treasuries Continue Giving Back Omicron Gains

Posted To: MBS Commentary If last week could be reduced to a single theme, it would be that of omicron concerns driving a bond rally and stock sell-off. This week's theme is only slightly more complex. The primary ingredient is simply the opposite of last week: waning omicron concerns driving stocks higher and hurting bonds. […]

Consumers Gloomiest in a Decade, But Still A Great Time to Sell; Rates Move Higher

The chief finding from Fannie Mae’s November National Housing Survey (NHS) was an increase in consumer pessimism. The company says respondents to the right track/wrong track question expressed the most downbeat attitude in 10 years. Seventy percent of those expressing an opinion about the direction of the economy said it was on the wrong track, […]

Consumers Gloomiest in a Decade, But Still A Great Time to Sell

Posted To: MND NewsWire The chief finding from Fannie Mae’s November National Housing Survey (NHS) was an increase in consumer pessimism. The company says respondents to the right track/wrong track question expressed the most downbeat attitude in 10 years. Seventy percent of those expressing an opinion about the direction of the economy said it was […]

Lower Appreciation Not Yet Reflected in Annual Gains

Posted To: MND NewsWire While it is clear that the growth of home prices has started to slow, reports on the results of the deceleration are diverging . Earlier this week Black Knight reported its Home Price Index (HPI) was up 0.6 percent in October, today CoreLogic puts the gain at 1.3 percent. The CoreLogic […]

MBS RECAP: Bonds Remain Under Pressure, But MBS Outperformed

Posted To: MBS Commentary Bonds Remain Under Pressure, But MBS Outperformed Bonds managed to remain sideways during AM hours. In fact, MBS were as much as an eighth of a point higher versus opening levels by 11:30am. The tone soured in the PM hours. 10yr yields ultimately crested 1.48% and MBS lost nearly a quarter […]

Mortgage Rates Move Higher Again

Posted To: Mortgage Rate Watch Mortgage rates moved higher again today thus keeping them well within the sideways range that’s been in place for the past 2 months. Omicron-related news continues having an impact on the bond market. At first, uncertainty surrounding the new variant drove demand for bonds. Higher demand means higher prices and […]

Better.com CEO fires more than 900 employees on Zoom call

(Please visit the site to view this media) The CEO of Better.com laid off over 900 employees via a Zoom call. CNBC's Shep Smith reports. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Better.com CEO fires more than 900 employees on […]

Long-term interest rates are stuck, we're in a global debt trap: Morgan Stanley's Sharma

(Please visit the site to view this media) Ruchir Sharma, chief global strategist with Morgan Stanley Investment Management, joins 'Squawk Box' to discuss markets and interest rates. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Long-term interest rates are stuck, we're […]

Sales Training, VOA, Talent Acquisition, Marketing Tools; CFPB Trends: Competing on Compliance?

Posted To: Pipeline Press Today I head to San Diego for a California MBA board meeting, the home base of the Pacific Fleet. It’s been 80 years since Pearl Harbor, a “date that will live in infamy.” That was a terrible day. We all have bad days, but nothing in comparison to that and it […]

The 9am Bond Report – December 7, 2021

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MBS Morning: Stocks and Yields Keep Rising as Omicron Fear Continues to Moderate

Posted To: MBS Commentary Last week's story was simple: unknowns and risks surrounding omicron prompted traders to shed risk by selling stocks and buying bonds. Unfortunately for fans of low rates, this week's story is just as simple, but in the opposite direction. It's not that Omicron is no longer a risk–just that it's not […]

MBS RECAP: Bonds Sell Off, But MBS Outperform

Posted To: MBS Commentary Bonds Sell-Off, But MBS Outperform The week began decently enough with bonds holding most of last week's gains during the first 90 minutes today. Things began to go south after the 9:30AM NYSE open as bond yields followed stocks higher. 10yr yields rose roughly 8bps by the 3pm CME close to […]

The 3pm Bond Report – December 6, 2021

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Mortgage Rates Started Flat, But Moved Higher in The Afternoon

Posted To: Mortgage Rate Watch Mortgage rates have been in a very narrow , sideways range since October. During that time, the average 30yr fixed rate hasn’t moved by more than an eighth of a percent in either direction. Today was no exception. Despite the narrow range, the underlying bond market continues to move every […]

Fed could issue fewer rate hikes if inflation settles, says Nuveen's Malik

(Please visit the site to view this media) Saira Malik, Nuveen Global Equity CIO, joins "Closing Bell" to discuss her outlook for the Federal Reserve and interest rates in 2022. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Fed could issue […]

Dow on track to reverse all of last week's losses

(Please visit the site to view this media) CNBC's Mike Santoli breaks down the state of the markets ahead of Monday's closing bell. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Dow on track to reverse all of last week's losses […]

The yield curve is starting to signal worries of Fed policy mistake, says Mohamed El-Erian

(Please visit the site to view this media) Mohamed El-Erian, Allianz and Gramercy advisor, joins CNBC's 'Squawk Box' to discuss markets, inflation and the Federal Reserve. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. The yield curve is starting to signal […]

MBS Morning: Decent Start Considering The Headwinds

Posted To: MBS Commentary Although MBS have been underperforming, the broader trend in the bond market remains in good shape–especially in light of current headwinds. The most notable headwind is the general optimism surrounding the omicron variant based on the weekend's news cycle. Beyond that, we're never surprised to see bonds acting a bit defensively […]

Correspondent, Warehouse, Sales Jobs; Referral, VOE Tools; Upcoming Events and Training

Posted To: Pipeline Press Do you smoke weed? Have you been vaccinated against COVID? Too early in the workweek for those questions? (Is it okay to ask if someone’s been vaccinated against polio?) Some questions aren’t, can’t be, shouldn’t be, are too politically charged to be, asked. We don’t want to need a lawyer to […]

The 9am Bond Report – December 6, 2021

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Market reaction to omicron, Fed uncertainty overdone: Defiance ETFs' Jablonski

(Please visit the site to view this media) Defiance ETFs' Sylvia Jablonski and Kevin Nicholson, co-chief investment officer of global fixed income at RiverFront Investment Group, join 'Squawk Box' to discuss markets ahead of the open. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want […]

Omicron Helping Rates More Than The Fed is Hurting; Housing Market Shifting, But Might Not Be Cooling

Several developments are converging on the global economy and financial markets at the moment. Each brings its own causes for concern. Together, they bring a significant increase in volatility. Should we be worried about Omicron? Answering such questions is beyond the scope of this newsletter. What we can say is that the financial market is […]