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| Unemployment Not High Enough For a Full-Fledged Rally | ||
| 12/16/2025 1:42 PM | ||
| Unemployment Not High Enough For a Full-Fledged Rally If the only metric from this morning"s jobs report was the uptick in unemployment from 4.4 to 4.6%, and if that was the last of this week"s big ticket econ data, it wouldn"t be a surprise to see a more aggressive rate rally. As it stands, unemployment wa...Read More | ||
| Mortgage Rates Only Slightly Lower, But Volatility Risks Remain | ||
| 12/16/2025 1:08 PM | ||
| There was a decent chance that rates would have made a fairly big move today in response to the release of November"s jobs report. This is the most important economic data as far as rates are concerned and today"s was the first full release since before the government shutdown. In general, weaker employment data promotes lower rates and vice versa...Read More | ||
| Cap Markets Education, Servicing, Borrower Monitoring Products; Marketing Thoughts for 2026 | ||
| 12/16/2025 10:41 AM | ||
| Running a mortgage company, turns out, isn’t free, and lenders are trying to cut costs and increase efficiency everywhere. For example (and this is not a paid ad), Lenders One offers some member benefits that may be of interest: L1 Credit for credit reports and fraud tools, L1 Flood for NFIP compliance, and L1 Insurance to help borrowers get compet...Read More | ||
| Frustratingly Flat After Deceptively Friendly Jobs Report | ||
| 12/16/2025 8:05 AM | ||
| If there was one metric in this morning"s data that should be helping the bond market, it"s the uptick in the unemployment rate from 4.4% in September to 4.6% in November (a new cycle high). This is mitigated somewhat by the uptick in participation rate (0.1%) and the slightly higher payroll count (64k vs 50k f"cast). In addition, BLS noted lower r...Read More | ||
| Fairly Calm Monday. Jobs Report on Deck | ||
| 12/15/2025 2:20 PM | ||
| Fairly Calm Monday. Jobs Report on Deck Monday ended up being a forgettable December trading day with modest overnight gains eroding to roughly unchanged levels by the 3pm close. There were no catalysts worth discussing, and even if there were, they"d pale in comparison to the inbound econ data. Tuesday mor...Read More | ||
| Mortgage Rates Slightly Lower as Volatility Risks Increase | ||
| 12/15/2025 1:41 PM | ||
| Mortgage rates were just slightly lower to start the new week. This leaves the average lender"s top tier 30yr fixed rate almost dead center in the narrow range that"s been intact since early September. The absence of any significant movement on Monday is a logical outcome given the absence of any major economic data releases or headlines. But Tues...Read More | ||
| Hedging Auditor, Broker Survey, Non-QM, DSCR Products; Rising Insurance Costs | ||
| 12/15/2025 10:46 AM | ||
| Lender and Broker Services, Products, and Software Home equity may have been the headline in 2025, but the real story is what comes next. With nearly $35 trillion in homeowner equity and rising consumer debt shaping borrower behavior, the opportunity is clear. The path to capturing it is not. On Wednesday, Dec. 17, at 3 p.m. Central Time, leaders...Read More | ||
| Welcoming Back Timelier BLS Data | ||
| 12/15/2025 9:00 AM | ||
| The Bureau of Labor Statistics (BLS) is responsible for the two most important economic reports to the bond market: The Employment Situation (aka jobs report or NFP) and The Consumer Price Index (CPI). This week marks the return of more timely installments of these reports with NFP on Tuesday (still not 100% timely, but only a week and a half late)...Read More | ||
| Anyone Who Tells You They Know What Happens Next For Rates is Lying | ||
| 12/12/2025 3:18 PM | ||
| Friday saw mortgage rates move back up near the highest levels of the week, and thus the highest levels of the past 3 months. Thus ends another week where mortgage rates end higher despite a Fed rate cut. We"ve beaten this horse to death, but here are the two key reasons Fed rate cuts don"t necessarily result in lower mortgage rates, in as few wor...Read More | ||
| 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 | ||
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| Mortgage rates move higher after the Fed rate cut, causing loan demand to drop | ||
| 12/17/2025 6:00 AM | ||
| Mortgage rates moved higher after the Fed cut interest rates last week. That caused demand to drop for both home buying and refinancing...Read More | ||
| Why this billionaire real estate developer is waving a red flag over data centers | ||
| 12/17/2025 8:31 AM | ||
| While big players such as Blackstone, KKR and Bain Capital are buying in, Fernando de Leon, founder of Leon Capital Group, said he is sitting out. ...Read More | ||
| Zillow shares are getting crushed. Here's why | ||
| 12/15/2025 4:49 PM | ||
| Zillow shares fell more than 11% on Monday as investors grew concerned that Google could be testing real estate listings on its search page...Read More | ||
| 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 | ||
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