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Financial Fundamentals for Homebuyers [INFOGRAPHIC]

Some Highlights When you’re thinking about buying a home, there are a few key steps to take before you even start to look at houses. From saving for your down payment to getting pre-approved for a mortgage, you’ll want to make sure you keep your financial plan on track from the beginning. Let’s connect today […]

What Experts Are Saying about the 2021 Job Market

Earlier this month, the Bureau of Labor Statistics (BLS) released their most recent Jobs Report. The report revealed that the economy lost 140,000 jobs in December. That’s a devastating number and dramatically impacts those households that lost a source of income. However, we need to give it some context. Greg Ip, Chief Economics Commentator at […]

Owning a Home Is Still More Affordable Than Renting One

If spending more time at home over the past year is making you really think hard about buying a home instead of renting one, you’re not alone. You may be wondering, however, if the dollars and cents add up in your favor as home prices continue to rise. According to the experts, in many cases, […]

Should I Wait for Lower Mortgage Interest Rates?

Historically low mortgage rates are a big motivator for homebuyers right now. In 2020 alone, rates hit new record-lows 16 times, and the trend continued into the early part of this year. Many hopeful homebuyers are now wondering if they should put their plans on hold and wait for the lowest rates imaginable. However, the […]

How to Make the Dream of Homeownership a Reality This Year

In 1963, Martin Luther King, Jr. inspired a powerful movement with his famous “I Have a Dream” speech. Through his passion and determination, he sparked interest, ambition, and courage in his audience. Today, reflecting on his message encourages many of us to think about our own dreams, goals, beliefs, and aspirations. For many Americans, one […]

Things to Avoid after Applying for a Mortgage [INFOGRAPHIC]

Some Highlights There are a few key things to make sure you avoid after applying for a mortgage to help make sure you still qualify for your loan at the closing table. Along the way, be sure to discuss any changes in income, assets, or credit with your lender, so you don’t unintentionally jeopardize your […]

Why Right Now May Be the Time to Sell Your House

The housing market made an incredible recovery in 2020 and is now positioned for an even stronger year in 2021. Record-low mortgage interest rates are a driving factor in this continued momentum, with average rates hovering at historic all-time lows. According to the latest Realtors Confidence Index Survey from the National Association of Realtors (NAR), buyer demand across the country is […]

Will Forbearance Plans Lead to a Tsunami of Foreclosures?

At the onset of the economic disruptions caused by the COVID pandemic, the government quickly put into place forbearance plans to allow homeowners to remain in their homes without making their monthly mortgage payments. Today, almost three million households are actively in a forbearance plan. Though 29.4% of those in forbearance have continued to stay […]

4 Reasons People Are Buying Homes in 2021

According to many experts, the real estate market is expected to continue growing in 2021, and it’s largely driven by the lasting impact the pandemic is having on our lifestyles. As many of us spend extra time at home, we’re reevaluating what “home” means and what we may need in one going forward. Here are […]

What Does 2021 Have in Store for Home Values?

According to the latest CoreLogic Home Price Insights Report, nationwide home values increased by 8.2% over the last twelve months. The dramatic rise was brought about as the inventory of homes for sale reached historic lows at the same time buyer demand was buoyed by record-low mortgage rates. As CoreLogic explained: “Home price growth remained […]

Reasons to Hire a Real Estate Professional [INFOGRAPHIC]

Some Highlights Choosing the right real estate professional to work with is one of the most important decisions you can make in your homebuying or selling process. The right agent can explain current market conditions and break down exactly what they mean for you. If you’re considering buying or selling a home this year, let’s […]

Is This the Year to Sell My House?

If one of the questions you’re asking yourself is, “Should I sell my house this year?” consumer sentiment about selling today should boost your confidence in the right direction. Even with the current health crisis that continues to challenge our nation, Americans still feel good about selling a house. Here’s why. According to the latest Home […]

The Importance of Home Equity in Building Wealth

Homeownership has always been the first rung on the ladder leading to household wealth. As Freddie Mac recently posted: “Homeownership has cemented its role as part of the American Dream, providing families with a place that is their own and an avenue for building wealth over time. This ‘wealth’ is built, in large part, through […]

Why Not to Wait Until Spring to Make a Move

The housing market recovery coming into the new year has been nothing short of remarkable. Many experts agree the turnaround from the nation’s economic pause is playing out extremely well for real estate, and the current market conditions are truly making this winter an ideal time to make a move. Here’s a dive into some […]

3 Must-Do’s When Selling Your House This Year

It’s exciting to put a house on the market and to think about making new memories in new spaces. However, despite the anticipation of what’s to come, we can still have deep sentimental attachments to the home we’re leaving behind. Growing emotions can help or hinder a sale depending on how we manage them. When […]

Here’s to a Wonderful 2021!

Here’s to a Wonderful 2021! Here’s to a Wonderful 2021!

Four Expert Views on the 2021 Housing Market

The housing market was a shining star in 2020, fueling the economic turnaround throughout the country. As we look forward to 2021, can we expect real estate to continue showing such promise? Here’s what four experts have to say about the year ahead. Lawrence Yun, Chief Economist, National Association of Realtors (NAR) “In 2021, I […]

Why Selling Your House on Your Own in 2021 Is a Mistake

There are many benefits to working with a real estate professional when selling your house. During challenging times, like what we face today, it becomes even more important to have an expert you trust to help guide you through the process. If you’re considering selling on your own, known in the industry as a For Sale […]

More Generations Are Living Under One Roof This Year

This year challenged us to reprioritize everything – from the way we use our time to where we work, how we socialize and gather together, and our needs at home. For many, this also meant making decisions about how to best support and engage with our extended families, near and far. In some cases, we […]

Why It’s Important to Price Your House Right Today

Even in today’s sellers’ market, setting the right price for your house is one of the most valuable things you can do. According to the U.S. Economic Outlook by the National Association of Realtors (NAR), existing home prices nationwide are forecasted to increase by 4.5% in 2021. This means experts anticipate home values will continue climbing next year. Danielle […]

Turning a House into a Happy Home

We talk a lot about why it makes financial sense to buy a home, but more often than not, we’re drawn to the emotional reasons for homeownership. No matter the living space, the feeling of a home means different things to different people. Whether it’s a certain scent or a favorite chair, the feel-good connections to our […]

Did You Outgrow Your Home in 2020?

It may seem hard to imagine that the home you’re in today – whether it’s your starter home or just one you’ve fallen in love with along the way – might not be your forever home. Many needs have changed in 2020, and it’s okay to admit if your house no longer fits your lifestyle. […]

The Difference a Year Makes for Homeownership

Over the past year, mortgage rates have fallen more than a full percentage point, hitting a new historic low 15 times. This is a great driver for homeownership, as today’s low rates provide consumers with some significant benefits. Here’s a look at three of them. 1. Move-up or Downsize: One option is to consider moving […]

The Do’s and Don’ts after Applying for a Mortgage

Once you’ve found the right home and applied for a mortgage, there are some key things to keep in mind before you close. You’re undoubtedly excited about the opportunity to decorate your new place, but before you make any large purchases, move your money around, or make any major life changes, consult your lender – […]

2021 Housing Forecast [INFOGRAPHIC]

Some Highlights Experts project an optimistic year for the 2021 housing market. With mortgage rates forecasted to remain low, high buyer demand is expected to fuel more home sales and continue to increase home prices. Let’s connect today to determine how to make your best move in the new year. 2021 Housing Forecast [INFOGRAPHIC] 2021 […]

Homeowner Equity Increases an Astonishing $1 Trillion

In a year that was financially devastating for many Americans, some good news for most homeowners is the dramatic gain in home equity over the last twelve months. Last week, CoreLogic released its 2020 3rd Quarter Homeowner Equity Insights report, which reveals four major findings: S. homeowners with mortgages have seen their equity increase by […]

3 Reasons to Be Optimistic about Real Estate in 2021

This year will be remembered for many reasons, and optimism is one thing that’s been in short supply since the spring. We’re experiencing a global pandemic, social unrest, an economic downturn, and natural disasters, just to name a few. The challenges brought on by the health crisis have also forced many homeowners to reevaluate their […]

The Holidays Aren’t Stopping Homebuyers This Year

Black Friday and Cyber Monday are behind us, yet finding the perfect holiday gifts for friends and family is certainly still top of mind for many right now. This year, there’s another type of buyer that’s very active this holiday season – the homebuyer. Each month, ShowingTime releases their Showing Index which tracks the average number of appointments received […]

5 Steps to Follow When Applying for Forbearance

If you’re currently feeling the stress of affording your mortgage payment, or if you know someone who is, there’s still time to get help. For homeowners experiencing financial hardship this year, the CARES Act provides mortgage payment deferral options, creating much-needed relief in these challenging times. It’s important, however, to understand how forbearance works. It’s […]

Winning as a Buyer in a Sellers’ Market [INFOGRAPHIC]

Some Highlights Buying a home in today’s sellers’ market doesn’t have to feel like an uphill battle. Here are four ways to make sure you’re positioned for success when making a home purchase, even when the scale tips toward sellers. Let’s connect to make sure you’re armed for victory in the housing market this season. […]

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February wholesale inventories jumps 0.6%, beating expectations

(Please visit the site to view this media) CNBC's Rick Santelli reports on the latest round of wholesale inventories data, which jumped 0.6% vs. 0.5% expected. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. February wholesale inventories jumps 0.6%, beating expectations […]

MBS Day Ahead: Overnight Losses Provide Reminder About Complacency

Posted To: MBS Commentary Yesterday's closing commentary, entitled "Stronger Case For Stability But Not Complacency" acknowledged the reassuringly sideways vibe offered by the first 4 days of this week's trading but warned "without some fundamental shock to the economy or covid outlook, we won't be surprised if this rally has a tough time making huge […]

2020 Property Tax Increases Outpaced Inflation

Posted To: MND NewsWire American home owners received bills for $323 billion in property taxes last year, a 5.4 percent increase from $306.4 billion in 2019. ATTOM Data Solutions says that the average bill for each of the 87 million single-family homes in the country was $3,719, an effective tax rate of 1.1 percent. This […]

Forbearance Decline Largest in Six Months

Posted To: MND NewsWire Black Knight reports that the number of loans in forbearance programs declined last week for the sixth straight time and it was the largest drop in six months . As of April 6, the number of loans in active plans was 2.312 million or 4.4 percent of all homeowners with mortgages. […]

Sales Mgt., MLO Jobs; Non-QM, Processing, ECOA, Subservicing Tools; Administration and Housing

Posted To: Pipeline Press What’s new out there? Queen Elizabeth’s husband Prince Phillip has passed away this morning at age 99. Wealthy people in New York seem to be fleeing to live in other states with a lower tax rate. Both Freddie Mac and Fannie Mae released QM loan information that maps out their policies. […]

U.S. producer price index rose 1.0% in March, vs 0.5% increase expected

(Please visit the site to view this media) CNBC's Rick Santelli and Steve Liesman break down the March producer price index data. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. U.S. producer price index rose 1.0% in March, vs 0.5% increase […]

The 9am Bond Report – April 9, 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 – April 9, 2021 The 9am Bond Report – April 9, 2021

How the markets learned to stop worrying and trust the Fed

(Please visit the site to view this media) The S&P 500 posted a record close Thursday, marking the third new high this week. It could be attributed to the idea that markets have learned to stop worrying and trust the Fed's read on inflation. CNBC's Steve Liesman reports. …(read more) Forward this article via email:  Send […]

Mortgage Rates Lowest in Nearly a Month; Jumbo Loan Availability Improves

Mortgage Rates had another decent day on Thursday with the average lender offering modestly better terms compared to yesterday. Improvements continue to arrive in fairly small doses, but they’ve been adding up . You’d have to go back nearly a month to March 12th to see anything definitively lower (although it’s worth noting that today’s […]

MBS RECAP: Stronger Case For Stability, But Not Complacency

Posted To: MBS Commentary Stronger Case For Stability, But Not Complacency With today's solid gains, this week becomes the best argument we've seen for a shift in 2021's rising rate trend. Without some fundamental shock to the economy or covid outlook, we won't be surprised if this rally has a tough time making huge progress […]

Powell: Risk remains from possible increase in Covid cases

(Please visit the site to view this media) CNBC's Sara Eisen talks about the global economy at an IMF seminar with Fed Chairman Jerome Powell about the state of the economy following the March jobs report and amid an uptick in coronavirus cases in the U.S. …(read more) Forward this article via email:  Send a copy […]

Fed will hike rates sooner, but bull market is on for 2021, says Jeremy Siegel

(Please visit the site to view this media) CNBC's "Halftime Report" team discusses the Fed's monetary policies, economic outlook, market sentiment and more with Wharton professor Jeremy Siegel. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Fed will hike rates sooner, […]

The 9am Bond Report – April 8, 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 – April 8, 2021 The 9am Bond Report – April 8, 2021

Jumbo Loans Easier to Obtain as Economy Recovers

Posted To: MND NewsWire Non-government lenders continue to return to mortgage lending after fleeing at the start of the pandemic. The Mortgage Bankers Association (MBA) says this has helped increase the supply of jumbo mortgages for six straight months and helped drive MBA’s Mortgage Credit Availability Index (MCAI) up slightly in March. The Index rose […]

Non-QM, Reno, Jumbo Products; SaaS, Sales, Underwriting Products; Correspondent News; Underwriting Shifts

Posted To: Pipeline Press “i” before ‘e’ except after ‘c’” has finally been disproved by science. Does “machine learning” equal “Artificial Intelligence (AI)”? Nope . And did you know that over the past 12 months, in the U.S. there has been a net loss of 2,563 bank branches (3,585 branches shuttered while 1,022 were opened) […]

MBS Day Ahead: Trying to Set a New Thursday Trend

Posted To: MBS Commentary 2 weeks ago, we talked about 2021's Thursday curse . It was finally broken last week . Today's early gains mean we may be looking at a second consecutive winning Thursday for bonds, but we'll reserve judgment until the close. Even if yields end up lower, the significance of any rally […]

U.S. weekly jobless claims total 744,000, vs. 694,000 estimate

(Please visit the site to view this media) First-time claims for unemployment insurance rose more than expected last week despite other signs of healing in the jobs market, the Labor Department reported Thursday. CNBC's Rick Santelli and Steve Liesman break down the numbers. …(read more) Forward this article via email:  Send a copy of this story […]

People Are Finally Starting to Think About Selling Homes Instead of Just Buying Them; Decent Day For Rates

Consumer attitudes perked up in March, sending the Fannie Mae Home Purchase Sentiment Index (HPSI) up 5.2 points compared to February. The company said four of the HPSI’s components rose during the month, taking the index to 81.7. The percentage of respondents who say it is a good time to buy a home rose to […]

Another Tentatively Decent Day For Rates

Posted To: Mortgage Rate Watch Mortgage Rates have been doing pretty well so far in April. They bounced at long-term highs on March 31st (matching the highs from 2 weeks prior), but have been descending gently since then. Today’s move was definitely modest. The average borrower wouldn’t see much of a difference–if any–versus yesterday’s rate […]

MBS RECAP: No Reaction to Fed Minutes (Or Anything Else For That Matter)

Posted To: MBS Commentary No Reaction to Fed Minutes (Or Anything Else For That Matter) It's been a light week in terms of scheduled data and events with the power to motivate bond market volatility. Today wasn't much of an exception although one must always give a wider berth to any official communication from the […]

Economic outlook brightened significantly thanks to vaccines and fiscal support, says Fed's Brainard

(Please visit the site to view this media) Lael Brainard, Federal Reserve Governor, joins 'Closing Bell' to discuss the U.S. economic outlook, the minutes from the Fed's March, her expected inflation target and more. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read […]

Two experts break down the Fed's March minutes

(Please visit the site to view this media) Lindsey Piegza, Stifel chief economist, Loreen Gilbert, Wealthwise Financial CEO, and CNBC's Steve Liesman join 'Power Lunch' to break down the Fed's March minutes and discuss what it says about the Fed's inflation goals. …(read more) Forward this article via email:  Send a copy of this story to […]

Fed's March minutes: Economy far from achieving employment goals

(Please visit the site to view this media) The Federal Open Market Committee released minutes from its mid-March meeting. CNBC's Steve Liesman reports on the details from the latest Fed meeting. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Fed's March […]

People Are Finally Starting to Think About Selling Homes Instead of Just Buying Them

Posted To: MND NewsWire Consumer attitudes perked up in March, sending the Fannie Mae Home Purchase Sentiment Index (HPSI) up 5.2 points compared to February. The company said four of the HPSI’s components rose during the month, taking the index to 81.7. The percentage of respondents who say it is a good time to buy […]

Inflation will keep ticking higher, says market strategist

(Please visit the site to view this media) CNBC's Melissa Lee talks about the possibility of an economic boom and inflation with Sameer Samana of Wells Fargo Investment Institute and Peter Boockvar of Bleakley Advisory Group. …(read more) Forward this article via email:  Send a copy of this story to someone you know that may want […]

Pandemic Threatens Women's Growing Homeownership Rates

Posted To: MND NewsWire After years of gains in educational attainment, employment, and wages, women have increased their rates of both homeownership and headship (the number who are heads of households). Now the Urban Institute (UI) says the pandemic may have put those advances at risk. Jung Hyun Choi, Laurie Goodman, and Jun Zhu write […]

Former Dallas Fed President Richard Fisher on Biden's tax proposal, inflation fears

(Please visit the site to view this media) Richard Fisher, former Dallas Fed President, joined "Squawk Box" on Wednesday to discuss President Joe Biden's infrastructure plan, which includes a hike in corporate taxes in order to pay for the proposal. …(read more) Forward this article via email:  Send a copy of this story to someone you […]

MBS Day Ahead: "Sideways" Victories and Fed Minutes

Posted To: MBS Commentary The longer-term rising rate trend kicked into higher gear in February. After several false starts, bonds are in the midst of their best attempt yet at a ceiling bounce. What will such a bounce look like? How will we measure its progress? To start, the primary concern is simply avoiding a […]

The 9am Bond Report – April 07, 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 – April 07, 2021 The 9am Bond Report – April 07, 2021

AE, MLO Jobs; Subservicing, Workflow, Marketing, Processing Tools; FHA News; Events This Week

Posted To: Pipeline Press Does the CFPB have jurisdiction of all mortgage-related agencies, borrowers, and servicers? We’ll see, as yesterday, and this proposal should not come as a surprise to any mortgage servicer, the Consumer Financial Protection Bureau issued a proposal that would broadly halt foreclosure initiations on principal residences from August 31, 2021 until […]