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Knowledge Is Power When It Comes to Appraisals and Inspections

Buyers in today’s market often have questions about the importance of getting a home appraisal and an inspection. That’s because high buyer demand and low housing supply are driving intense competition and leading some buyers to consider waiving those contingencies to stand out in the crowded market. But is that the best move? Buying a […]

Your Home Equity Is Growing [INFOGRAPHIC]

Some Highlights If you’re a homeowner, today’s rising equity is great news. On average, homeowners have gained $51,500 in equity since this time last year. Whether it’s funding an education, fueling your next move, or starting a business, your home equity is a great tool you can use to power your dreams. Ready to sell? […]

Important Distinction: Homes Are Less Affordable, Not Unaffordable

It’s impossible to research the subject of buying a home without coming across a headline declaring that the fall in home affordability is a crisis. However, when we add context to the most recent affordability statistics, we soon realize that, though homes are less affordable than they have been over the last few years, they […]

Looking To Move? It Could Be Time To Build Your Dream Home.

While today’s supply of homes for sale is still low, the number of newly built homes is increasing. If you’re ready to sell but have held off because you weren’t sure you’d be able to find a home to move into, newly built homes and those under construction can provide the options you’ve been waiting […]

Sellers: Your House Could Be an Oasis for Buyers Seeking More Options

Sellers have a great opportunity this season as buyer demand still heavily outweighs the current supply of homes for sale. According to the National Association of Realtors (NAR), today’s housing inventory sits at only a 2.6-month supply. To put that into perspective, a neutral market typically features a 6-month supply. That places today’s market firmly […]

Homebuyer Tips for Finding the One [INFOGRAPHIC]

Some Highlights The best advice carries across multiple areas of life. When it comes to homebuying, a few simple tips can help you stay on track. Because of increased demand, you’ll need to be patient and embrace compromises during your search. Then, once you’ve fallen in love, commit by putting your best offer forward. If […]

What Do Past Years Tell Us About Today’s Real Estate Market?

As you follow the news, you’re likely seeing headlines discussing what’s going on in today’s housing market. Chances are high that some of the more recent storylines you’ve come across mention terms like cooling or slowing when talking about where the market is headed. But what do these terms mean? The housing market today is […]

The Big Question: Should You Renovate or Move?

The last 18 months changed what many buyers are looking for in a home. Recently, the American Institute of Architects released their AIA Home Design Trends Survey results for Q3 2021. The survey reveals the following: 70% of respondents want more outdoor living space 69% of respondents want a home office (48% wanted multiple offices) […]

Don’t Wait for a Lower Mortgage Rate – It Could Cost You

Today’s housing market is truly one for the record books. Over the past year, we’ve seen the lowest mortgage rates in history. And while those rates seemed to bottom out in January of this year, the golden window of opportunity for buyers isn’t over just yet. If you’re one of the buyers who worry they’ve […]

Experts Agree: Homeownership Provides a Path to Long-Term Wealth

A recent survey from LendingTree.com found there are multiple reasons why Americans would choose to purchase a home instead of renting. Some of the most popular non-financial reasons given include: The flexibility to make the space your own The pride homeownership offers The sense of stability In the same survey, 41% of respondents say they’d […]

What’s Causing Today’s Competitive Real Estate Market? [INFOGRAPHIC]

Some Highlights Today’s strong sellers’ market is the direct result of high demand and low supply. Low mortgage rates and generational trends have created an increased demand for homes. Meanwhile, the slower pace of new home construction and homeowners staying in their homes longer have both led to today’s low supply. If you’re thinking of […]

111,285 Reasons You Should Buy a Home This Year

The financial benefits of buying a home versus renting one are always up for debate. However, one element of the equation is often ignored – the ability to build wealth as a homeowner. According to the latest research from the National Association of Realtors (NAR): “Homeownership is a key pathway to building wealth and narrowing […]

What Do Supply and Demand Tell Us About Today’s Housing Market?

There’s a well-known economic theory – the law of supply and demand – that explains what’s happening with prices in the current real estate market. Put simply, when demand for an item is high, prices rise. When the supply of the item increases, prices fall. Of course, when demand is very high and supply is […]

The Main Key To Understanding the Rise in Mortgage Rates

Every Thursday, Freddie Mac releases the results of their Primary Mortgage Market Survey which reveals the most recent movement in the 30-year fixed mortgage rate. Last week, the rate was announced as 3.01%. It was the first time in three months that the mortgage rate surpassed 3%. In a press release accompanying the survey, Sam […]

4 Tips To Prep for Your Home Sale This Fall

Even in a hot sellers’ market like today’s in which homes are selling so quickly, it’s still important to make a good first impression on potential buyers. Taking the time upfront to prep your house appropriately can bring in the greatest return on your investment. Here are four simple tips to make sure you maximize […]

Reasons Renters Buy [INFOGRAPHIC]

Some Highlights When deciding whether you should rent or buy, make sure you’re considering these factors. Buying a home means consistent monthly payments. Homeownership also helps to build your wealth. And owning a home gives you greater flexibility than renting. If you’re ready to take advantage of the perks of homeownership, let’s connect to explore […]

As Home Equity Rises, So Does Your Wealth

Homeownership is still a crucial part of the American dream. For those people who own a home (and those looking to buy one), it’s clear that being a homeowner has considerable benefits both emotionally and financially. In addition to long-term stability, buying a home is one of the best ways to increase your net worth. […]

Don’t Tackle Selling Your Home on Your Own – an Agent Can Help

If you’re looking to maximize your sale and minimize your effort, you need to work with a real estate professional. In a sellers’ market like today’s, it can be tempting to list your house on your own – known as For Sale By Owner (FSBO). But the truth is, a real estate professional can save […]

Early October is the Sweet Spot for Buyers

Are you looking to buy a home? If so, we’ve got good news for you. While there’s no denying the housing market is having a great year, many of the headlines are focused on the perks for sellers. But what about buyers today? As a buyer, you’re likely braving bidding wars and weighing low mortgage […]

If You’re a Buyer, Is Offering Asking Price Enough?

In today’s real estate market, buyers shouldn’t shop for a home with the expectation they’ll be able to negotiate a lower sales price. In a typical housing market, buyers try to determine how much less than the asking price they can offer and still get the home. From there, the buyer and seller typically negotiate […]

It’s Still a Sellers’ Market [INFOGRAPHIC]

Some Highlights Due to low supply and high demand, today is one of the strongest sellers’ markets we’ve seen. Sellers can benefit from more offers to pick from, higher home values, and a faster sales process. That might be why 73% of people believe it’s a good time to sell. Sellers, don’t miss out on […]

Two Reasons Why Waiting a Year To Buy Could Cost You

If you’re a renter with a desire to become a homeowner, or a homeowner who’s decided your current house no longer fits your needs, you may be hoping that waiting a year might mean better market conditions to purchase a home. To determine if you should buy now or wait, you need to ask yourself […]

Is a 20% Down Payment Really Necessary To Purchase a Home?

There’s a common misconception that, as a homebuyer, you need to come up with 20% of the total sale price for your down payment. In fact, a recent survey by Lending Tree asks what is keeping consumers from purchasing a home. For over half of those surveyed, the ability to afford a down payment is […]

Remote Work Is Here To Stay. Can Your Home Deliver the Space You Need?

A lot has changed over the past year. For many people, the rise in remote work influenced what they’re looking for in a home and created a greater appetite for a dedicated home office. Some professionals took advantage of the situation and purchased a bigger home. Other people thought working from home would be temporary, […]

Is It Time To Move on to a New Home?

If you’ve been in your home for longer than five years, you’re not alone. According to recent data from First American, homeowners are staying put much longer than historical averages (see graph below):As the graph shows, before 2008, homeowners sold their houses after an average of just five years. Today, that number has more than […]

Have You Ever Seen a Housing Market Like This? [INFOGRAPHIC]

Some Highlights Whether you’re buying or selling – today’s housing market has plenty of good news to go around. Buyers can take advantage of today’s mortgage rates to escape rising rents and keep monthly payments affordable. Sellers can reap the benefits of multiple offers and a fast sale. If this sounds like good news to […]

Is the Number of Homes for Sale Finally Growing?

An important metric in today’s residential real estate market is the number of homes available for sale. The shortage of available housing inventory is the major reason for the double-digit price appreciation we’ve seen in each of the last two years. It’s the reason many would-be purchasers are frustrated with the bidding wars over the […]

5 Tips for Making Your Best Offer

In today’s sellers’ market, standing out as a buyer is critical. Multi-offer scenarios and bidding wars are the norm due to the low supply of houses for sale and high buyer demand. If you’re buying this fall, you’ll want every advantage, especially when you’ve found the home of your dreams. Below are five things to keep […]

The Truth About Today’s Buyer Demand

When it comes to the latest news in real estate, there are a lot of sensational headlines in the media. In times like this, when it can be hard to know what to believe, put your trust in the experts. Those of us in the housing market respect that buying or selling a home is […]

Why It’s Still Safe To Sell Your Home

If you’re on the fence about whether or not you want to sell your house this year, there’s good news. Real estate professionals are highly experienced in how to sell houses safely during the pandemic. Over the last year, agents have adopted new technologies and safety measures designed to keep you safe. And experts say […]

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ATTOM: Mortgage Market Might Not Be Cooling, But it Has Reversed Course

Posted To: MND NewsWire A new report from ATTOM says that the number of mortgage originations dropped sharply in the third quarter. The company says there were 3.59 million residential mortgages originated during that period, a 3,2 percent increase over the 3.48 million during the same quarter in 2020, but an 8.4 percent decline from […]

MBS RECAP: Big Reversal in Bonds After Stocks Sell Off

Posted To: MBS Commentary Big Reversal in Bonds After Stocks Sell Off Bonds paradoxically sold off after this morning's weaker jobs number. We could talk about why that might have happened or simply focus on what happened next: a big sell-off in stocks that quickly pushed bonds past key stop-loss levels. After that, it was […]

The 2pm Bond Report – December 3, 2021

(Please visit the site to view this media) The 2pm Bond Report …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. The 2pm Bond Report – December 3, 2021 The 2pm Bond Report – December 3, 2021

Jobs report was reasonably firm despite low payroll number, Goldman's Hatzius says

(Please visit the site to view this media) Jan Hatzius, Goldman Sachs chief economist, joins 'Squawk on the Street' to discuss Friday's jobs report. Hatzius explains why he doesn't feel the November jobs report was as bad as most believe. …(read more) Forward this article via email:  Send a copy of this story to someone you […]

Mentoring, Recruiting, Productivity Tools; Investor's FHA, VA, USDA Program News; Better.com Layoff Video

Posted To: Pipeline Press Huh? Someone told me that “reality” shows are all scripted out ahead of time and there’s a standard recipe! What the heck?! There are some things where recipes are expected, like making food. Popular Mechanics takes us inside the largest handmade candy factory in this interesting video. Hammond’s Candies has been […]

MBS Morning: Mixed Reaction to Mixed Payrolls Data

Posted To: MBS Commentary It's NFP day for the bond market although we have to ask ourselves what that really means in a world where the Fed has explicitly stated that it's seen enough labor market recovery to inform its next policy move (and moreover, where the Fed has also explicitly stated that inflation is […]

The 9am Bond Report – December 3, 2021

(Please visit the site to view this media) …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. The 9am Bond Report – December 3, 2021 The 9am Bond Report – December 3, 2021

November ISM services index beats expectations at 69.1

(Please visit the site to view this media) Rick Santelli reports the latest ISM services data, which came in at 69.1 vs. 65 expected. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. November ISM services index beats expectations at 69.1 November […]

November job growth falls far short of expectations, unemployment rate hits 4.2%

(Please visit the site to view this media) CNBC's Rick Santelli and Steve Liesman join 'Squawk Box' to break down the latest November employment data. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. November job growth falls far short of expectations, […]

MBS RECAP: MBS Have an Underperformance Problem, But It's Complicated

Posted To: MBS Commentary MBS Give Up Yesterday's Gains Despite Decent Start MBS have a bit of a problem. In the past week, they've gone on their weakest run versus Treasuries since the crazy volatility seen at the start of the pandemic. The problem began with holiday-week illiquidity but shifted into higher gear early this […]

Mortgage Rates Start Strong, But Ended Higher

Posted To: Mortgage Rate Watch Mortgage rates started weaker and ended stronger yesterday. Unfortunately , today delivered exactly the opposite scenario. The underlying bond market (the most important factor in determining mortgage rates) started the day at levels that would have allowed lenders to offer some of their lowest mortgage rates since early November. But […]

Inventory-starved market needs about 1 million more homes

(Please visit the site to view this media) Diana Olick joins 'The Exchange' to report on available home inventories and how mortgage bailouts are affecting people. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Inventory-starved market needs about 1 million more […]

The 2pm Bond Report – December 2, 2021

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TILA Appraisal Exemption Threshold Moves Higher

Posted To: MND NewsWire Like a rising tide, rising prices are pushing a lot of other financial elements higher. Earlier this week surging home prices drove a near $100K increase in conforming loan limits, now regulators have raised the dollar threshold for an exemption to the Truth in Lending Act (TILA) based on rising wages. […]

Homebuyer, Fee Collection, Loan Delivery Tools; Conv. Conforming Changes; IMB Profits

Posted To: Pipeline Press Today, 20211202 (2nd December 2021), is a palindrome in the YYYYMMDD format. That aside, sorry the commentary is a little late this morning: I went out drinking after my yearly review with my cat Myrtle last night. It did not go well. By the way, she is the one that reviews […]

Initial jobless claims come in below estimates at 222,000

(Please visit the site to view this media) CNBC's Rick Santelli and Steve Liesman join 'Squawk Box' to break down the latest initial jobless claims data. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Initial jobless claims come in below estimates […]

Rates Rise, Refi Share Drops to Eight Month Low; Bonds Finish Strong on Omicron News

Thanksgiving week, a three-day business week for many, saw the usual sharp decline in mortgage activity although purchase applications remained seasonally strong. The Mortgage Bankers Association (MBA) says its Market Composite Index, a measure of mortgage application volume, fell 7.2 percent on a seasonally adjusted basis from one week earlier and was down 37 percent […]

Residential Construction No Longer Dominating Spending

Posted To: MND NewsWire National spending on construction spending rose slightly in October, but for the second month in a row, the increase wasn’t driven by the residential sector. The U.S. Census Bureau reported that construction put in place during the month was at a seasonally adjusted annual rate of $1.598 trillion, an 0.2 percent […]

MBS RECAP: Weaker Start, Stronger Finish on Omicron News

Posted To: MBS Commentary Weaker Start, Stronger Finish Volatility has been elevated for the bond market in the past 4 weeks and especially in the past 2 weeks. Today was one of the milder days, but it was still good for a reasonably big shift from overnight levels to closing levels. During that time, yields […]

The 2pm Bond Report – December 1, 2021

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First case of omicron variant identified in California

(Please visit the site to view this media) Jon Fortt reports the first case of omicron variant has been identified in California. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. First case of omicron variant identified in California First case of […]

November manufacturing PMI comes in at 58.3 vs. 59.1 expected

(Please visit the site to view this media) CNBC's Rick Santelli breaks down November's final MarkIt manufacturing PMI data. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. November manufacturing PMI comes in at 58.3 vs. 59.1 expected November manufacturing PMI comes […]

MBS Morning: Data, Fed, Issuance, And Variant Watching

Posted To: MBS Commentary It's an interesting, confusing, and tumultuous moment for financial markets as traders digest an unprecedented confluence of relevant events. Two events account for a vast majority of this thesis: a potential shift in Fed policy at the next meeting and the unknowns surrounding the omicron variant. With those two gorillas in […]

Rates Rise, Refi Share Drops to Eight Month Low

Posted To: MND NewsWire Thanksgiving week, a three-day business week for many, saw the usual sharp decline in mortgage activity although purchase applications remained seasonally strong. The Mortgage Bankers Association (MBA) says its Market Composite Index, a measure of mortgage application volume, fell 7.2 percent on a seasonally adjusted basis from one week earlier and […]

Coaching, Jumbo, Medical Professional Products; Investors Follow Conventional Conforming Limit Changes

Posted To: Pipeline Press Lenders are focused on December, and 2022, and along those lines the MBA’s Chief Economist Mike Fratantoni will be presenting a forecast today for next year. Of immediate concern are year-end closings: this is the day of the year when a 30-day rate lock doesn’t quite match its name, given the […]

What investors need to know about a potentially faster Fed taper

(Please visit the site to view this media) CNBC's Steve Liesman joins 'Squawk Box' to discuss key points from Federal Reserve Chair Jerome Powell's appearance in front of the Senate on Monday. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. What […]

November private payrolls up 534,000, higher than expected: ADP

(Please visit the site to view this media) CNBC's Steve Liesman joins 'Squawk Box' to break down ADP's latest private payroll data for November. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. November private payrolls up 534,000, higher than expected: ADP […]

New Loan Limit = $647,200; Rates Lower This Week

The new conforming loans limits for mortgages that can be acquired by Fannie Mae and Freddie Mac were announced this morning by the Federal Housing Finance Agency (FHFA). As expected, the changes reflect the nearly unprecedented price gains over the last year. Earlier today FHFA posted third quarter changes in its Housing Price Index (HPI). […]

MBS RECAP: Big Swings as Covid Squares Off Against The Fed

Posted To: MBS Commentary Big Swings as Covid Squares Off Against The Fed It was omicron vs the Fed today and bonds had a front row seat. In the overnight session, comments from Moderna's CEO (lower vaccine efficacy expected for omicron variant) sent stock prices and bond yields screaming lower. Then at 10am during a […]

Mortgage Rates Much Lower So Far This Week

Posted To: Mortgage Rate Watch Mortgage rates ended the previous week with a hopeful outlook due to the omicron variant. In general, rates benefit from news and events that cause investors to seek protection from risk. A fresh dose of risk aversion was served up overnight as Moderna’s CEO said he expected vaccine efficacy to […]