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| Servicing, Processing Support, AI Tools ; Lenders Focusing on Consumers; Thoughts on UAD 3.6 | ||
| 7/7/2026 9:54 AM | ||
| During a recent trip overseas, I spoke to a banker who stated, “Technology doesn’t stop at the border.” True. The days of writing out this Commentary or taking an app on a yellow pad of paper are long gone. Today has the STRATMOR Group’s Advisory Angle at 11AM PT. STRATMOR Senior Partners Garth Graham and Nicole Yung explore the latest findings fro...Read More | ||
| Modest Pressure, Light Data | ||
| 7/7/2026 8:46 AM | ||
| From summertime Monday to summertime Tuesday... Yesterday"s modest strength is now erased by today"s modest weakness. In both cases, the movement is too small to worry about obvious catalysts, though some may assume that there"s an oil price component following Iran"s attacks on commercial ships in The Strait. A separate consideration would be Amaz...Read More | ||
| Uneventful Summertime Monday | ||
| 7/6/2026 3:03 PM | ||
| Uneventful Summertime Monday Volume and--sometimes--volatility can be generally lower in the middle of the summertime months as fewer traders are consistently at bond desks--especially on days adjacent to 3-day holiday weekends. Today was a classic example. Bonds barely budged and volume is on track for one...Read More | ||
| Mortgage Rates Start New Week Flat | ||
| 7/6/2026 2:23 PM | ||
| Volatility is always a risk surrounding 3 day holiday weekends when it comes to markets and mortgage rates, but this time around, things have been very calm. The average top-tier 30yr fixed rate remained almost perfectly flat versus last Thursday with the MND index technically falling by 0.01%. This week"s calendar of scheduled events is less cons...Read More | ||
| HELOC, AI POS, LOS Tools; Pay Attention to Agency Changes; Housing Surplus? | ||
| 7/6/2026 10:58 AM | ||
| One of the key selling points for an LO talking to a potential client about becoming a homeowner is the landlord/client relationship, which can go awry. (Pearl is the daughter of the short film’s director, by the way.) There are many reasons why renters aren’t owners, like, “can they not afford a residence,” or “are none available?” We recently lea...Read More | ||
| Steady Start; No Drama From ISM Data | ||
| 7/6/2026 9:19 AM | ||
| Bonds weathered the 3-day weekend without issue. We started the day modestly stronger, but have moved back closer to unchanged levels in the first 2 hours. The day"s only big-ticket (or semi-big-ticket?) econ data was the ISM Services index, but admittedly, that has more of an impact when it"s released BEFORE the jobs report. Moreover, it was right...Read More | ||
| Not Reading Too Much Into Late Day Reversal | ||
| 7/2/2026 1:17 PM | ||
| Not Reading Too Much Into Late Day Reversal Bonds rallied quickly in response to this morning"s jobs report and pressed to even stronger levels by mid-day. That"s the point in the day that most traders (the ones actually working) consider bonds to be "closed." You"re free to do the same and count today as a...Read More | ||
| Mortgage Rates Recover Somewhat | ||
| 7/2/2026 12:05 PM | ||
| Today is a half day for financial markets, which is a typical feature of a federal holiday weekend. Because tomorrow is fully closed, the big jobs report (normally a Friday affair) was instead released this morning. It ended up helping rates move lower. The jobs report (officially "The Employment Situation") measures new jobs created (or lost) eac...Read More | ||
| Mortgage Applications Flat, Purchase Activity Edges Higher | ||
| 7/2/2026 10:50 AM | ||
| Mortgage application activity was essentially unchanged last week, as a modest increase in purchase demand offset a slight decline in refinancing. The Mortgage Bankers Association (MBA) reported a 0.04% increase in total application volume on a seasonally adjusted basis for the week ending June 26. Purchase activity provided the week"s modest su...Read More | ||
| Younger Borrower, Medical Professional; Full Loan Cycle AI; CEO Kim Nelson Interview; Non-Agency News | ||
| 7/2/2026 10:43 AM | ||
| The Office of the Comptroller of the Currency (OCC) reported on the performance of first-lien mortgages in the federal banking system during the first quarter of 2026. The OCC Mortgage Metrics Report, First Quarter 2026 showed that 97.7 percent of mortgages included in the report were current and performing at the end of the quarter, a slight incre...Read More | ||
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| Far more real estate agents now report seeing a balanced market, CNBC Housing Market Survey finds | ||
| 7/7/2026 11:03 AM | ||
| Agents who reported at least one price cut to active listings dropped dramatically from prior surveys...Read More | ||
| Manhattan luxury real estate sales hold firm despite fears of a 'Mamdani effect' | ||
| 7/3/2026 7:00 AM | ||
| A month after the passage of a tax on second homes in New York City, brokers and analysts said sales of luxury real estate remain strong...Read More | ||
| 5 takeaways from President Donald Trump's interview with CNBC | ||
| 7/2/2026 6:20 PM | ||
| The president defended his family"s business and said he feels bad that the presidency creates a conflict of interest in any of his children"s investments...Read More | ||
| Brookfield wants to build AI data centers in London’s answer to Wall Street | ||
| 7/2/2026 8:57 AM | ||
| Brookfield"s CEO said the firm is bringing data centers to London"s Canary Wharf, as demand for AI infrastructure in the U.K. soars...Read More | ||
| Demand for riskier mortgages drops, as their advantages shrink | ||
| 7/1/2026 7:22 AM | ||
| The spread between the 30-year fixed-rate mortgage and adjustable-rate loans is narrowing, causing demand for ARMs to weaken...Read More | ||
| Trump cancels signing of bipartisan housing bill ahead of tense meeting with GOP senators | ||
| 6/24/2026 3:35 PM | ||
| President Donald Trump abruptly canceled the signing of a bill aimed at increasing housing affordability an hour before he was due at the Capitol for the ceremony...Read More | ||
| House passes affordable housing bill, sends it to Trump's desk | ||
| 6/23/2026 9:02 PM | ||
| The House on Tuesday gave final passage to a bill aimed at lowering costs for homebuyers and reining in private equity...Read More | ||
| Progressive Brad Lander’s surging bid for Congress splinters Democrats' labor union alliance | ||
| 6/23/2026 9:50 AM | ||
| Rep. Dan Goldman, D-N.Y., is fighting for his political life in a race with Brad Lander, who is backed by Mayor Zohran Mamdani and Sen. Bernie Sanders, I-Vt...Read More | ||
| Senate advances housing bill to limit private equity purchases of single-family homes | ||
| 6/22/2026 5:38 PM | ||
| The House is also expected to advance a sprawling housing package this week that"s aimed at creating more supply and making homes more affordable...Read More | ||
| Homeowners tapped $47 billion in equity in the first quarter. What to consider before you borrow | ||
| 6/19/2026 8:30 AM | ||
| While high home values mean homeowners are sitting on an estimated $11 trillion in equity, it should not be viewed as free money, experts say...Read More | ||
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