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| Correspondent Products, STRATMOR on Borrower Psychology; Lender Tools; DSCR Appraisal Issues in Baltimore | ||
| 12/12/2025 10:44 AM | ||
| “What happened with the DSCR appraisal issue in Baltimore earlier this year?” Good question. Baltimore is not alone: This week we have investors either pricing themselves out of, or ceasing loans from, the Philly market for certain non-owner loans.) The whole Baltimore thing seems to have quieted down, and up until recently the last news coming in ...Read More | ||
| Choose Your Own Market Movement Adventure. | ||
| 12/12/2025 8:41 AM | ||
| There"s a noticeable divergence between long and short term bonds since the Fed announcement, and it"s becoming more pronounced today. We can consider a few different reasons with the most basic being that the Fed rate cut outlook keeps shorter-term yields locked down at lower levels thus forcing the long end of the curve to absorb more of th...Read More | ||
| Two-Way Trading But Not Much Day-Over-Day Movement | ||
| 12/11/2025 3:11 PM | ||
| Two-Way Trading But Not Much Day-Over-Day Movement Bonds had a solid morning, adding moderately to yesterday"s rally and taking yields well into the lowest levels since last Friday. But from just after the 9:30am NYSE open, bonds leaked slowly weaker, ultimately ending the day closer to unchanged levels. In...Read More | ||
| Mortgage Rates Hit Lowest Levels of The Week | ||
| 12/11/2025 2:20 PM | ||
| As is sometimes the case on the day following a Fed day, the bond market carried a bit more momentum in the same direction as yesterday afternoon. Fortunately, the momentum was toward lower rates this time around--a nice break from the past two Fed days which resulted in several days (and weeks) of higher rates. This leaves the average lender roug...Read More | ||
| Correspondent and Broker Products, LOS, Automation, FICO 10T, UAD 3.6 Tools | ||
| 12/11/2025 10:46 AM | ||
| Lender and Broker Services, Products, and Software For some servicers, the idea of implementing workflow automation is both appealing and overwhelming. Often, knowing where to start is the most challenging part, especially when the path forward isn’t always obvious. Clarifire’s latest blog, “Three Cost-Saving Ways Servicers Are Using Workflow Aut...Read More | ||
| Follow-Through Rally. What"s Up With Big Swings in Jobless Claims? | ||
| 12/11/2025 9:22 AM | ||
| Bonds are adding moderate to yesterday"s post-Fed gains. Most of today"s rally has followed this morning"s jobless claims data, but we wouldn"t necessarily give it all the credit. This is a tricky week to try to make sense of jobless claims due to the very late Thanksgiving holiday this year. It threw a wrench in seasonal calculations. In a nu...Read More | ||
| Powell Avoided Throwing Cold Water on Rate Outlook. Bonds Approved | ||
| 12/10/2025 3:41 PM | ||
| Powell Avoided Throwing Cold Water on Rate Outlook. Bonds Approved Today"s gains ended up being all about Powell"s press conference. While there were a few potentially friendly comments (current rates in high end of neutral range, recent job gains overstated, no decision yet on January, inflation coming dow...Read More | ||
| Mortgage Rates Improve After Fed Announcement | ||
| 12/10/2025 3:02 PM | ||
| The Fed cut its policy rate by 0.25% today and mortgage rates moved lower after the announcement. That said, those two developments are not related. In fact, there was no movement in the bonds that underlie mortgage rates when the rate cut was announced. Instead, the market (and rates) moved in response to Fed Chair Powell"s press conference. Whi...Read More | ||
| Mortgage Apps Bounce Back, Led By Refi Reversal | ||
| 12/10/2025 2:52 PM | ||
| Seasonally adjusted mortgage application activity rose 4.8% last week, according to MBA’s Weekly Mortgage Applications Survey for the week ending December 5. Unadjusted applications jumped 49% from the prior week, reflecting a rebound following the Thanksgiving-related slowdown. The Refinance Index surged 14% from the previous week and remains 88%...Read More | ||
| Here"s What Changed in The New Fed Announcement | ||
| 12/10/2025 1:00 PM | ||
| Available indicators suggest that economic activity has been expanding at a moderate pace. Job gains have slowed this year, and the unemployment rate has edged up but remained low through August; more September. More recent indicators are consistent with these developments. Inflation has moved up since earlier in the year and remains somewhat ...Read More | ||
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| Homeowners are losing thousands in equity thanks to weakening prices | ||
| 12/12/2025 10:46 AM | ||
| Weaker prices mean homeowners are starting to lose equity after several years of huge gains...Read More | ||
| Home prices go negative for the first time in over 2 years — and may stay that way for a while | ||
| 12/11/2025 11:47 AM | ||
| Home prices have not gone negative since mid-2023, a year after the Federal Reserve first brought rates up from zero, and mortgage rates moved sharply higher...Read More | ||
| Esusu, platform for renters to build credit scores, valued at $1.2 billion in new funding round | ||
| 12/11/2025 7:39 AM | ||
| Esusu raises $50 million at a $1.2 billion valuation as it helps more renters build credit scores and gain access to mortgages and other financial products...Read More | ||
| What December's Fed rate cut means for your mortgage, credit card, auto loan, student debt and savings | ||
| 12/10/2025 2:07 PM | ||
| From credit cards and car loans to mortgage rates, student loans and savings accounts, here"s a look at the ways a Fed rate cut could affect your finances...Read More | ||
| Walmart and Alquist strike landmark deal, jump-starting 3D-printed commercial real estate | ||
| 12/10/2025 8:58 AM | ||
| The new technology has started to grow in the homebuilding market, but has been far slower in commercial construction...Read More | ||
| Refinance demand for FHA loans jumps 24%, as homeowners seek the most savings they can | ||
| 12/10/2025 6:52 AM | ||
| Current homeowners are turning to government FHA loans, which offer lower interest rates, to find savings, as conventional rates turn higher....Read More | ||
| We heard enough from Home Depot about next year and beyond to still believe in the stock | ||
| 12/9/2025 3:11 PM | ||
| Lower rates are "just gigantic for some of our stocks," Jim said, putting Home Depot at the top of the list...Read More | ||
| Commercial real estate deal volume drops for the first time in nearly two years | ||
| 12/9/2025 9:42 AM | ||
| Commercial real estate has had a rough year after gaining momentum coming out of the pandemic...Read More | ||
| What another Fed cut could mean for your personal borrowing costs | ||
| 12/10/2025 12:10 PM | ||
| Many types of consumer loans are impacted when the Fed lowers its overnight lending rate, but it also depends on the product and duration....Read More | ||
| Home sellers are giving up at 'unusually high rate,' says new Realtor report | ||
| 12/8/2025 10:06 AM | ||
| Sellers are taking their homes off the market at the highest delisting rate since Realtor.com began tracking the seasonal trend in 2022...Read More | ||
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