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| Signing, Borrower Retention, LOS, QC Audit, AVM Tools; Slowing Economy = Lower Rates | ||
| 10/14/2025 10:43 AM | ||
| “Where do amputees get prosthetics on a budget? The secondhand store.” Budget, stalemate, and shutdown news continues in Washington DC. The sun still comes up in the morning, and there is news on related issues. For example, thank you to Sean S. who told me that HUD opened the suggestions window for improving the HECM (reverse mortgage) product. Th...Read More | ||
| One Of The Few Times We Can Say "Strong Red Start" | ||
| 10/14/2025 8:59 AM | ||
| Bonds are flashing red on the screen (depending on when you look), but even at their weakest levels of the morning, we"d still consider this a stronger start. Reason being: Friday afternoon"s rally lasted 10 whole minutes right at the end of the session. Before that, 10yr yields were around 4.06 and 5.0 MBS were trading just under 99.5. Now th...Read More | ||
| Markets Rocked by New Tariff Drama | ||
| 10/10/2025 4:43 PM | ||
| Markets Rocked by New Tariff Drama Bonds were already having a decent day this morning with overnight market movers bringing yields in line with the lower end of the recent range. Mid-day drama caused massive selling in stocks which spilled over and made for an extension of the already-decent bond rally. Th...Read More | ||
| Mortgage Rates Lowest Since Fed Day | ||
| 10/10/2025 2:16 PM | ||
| Mortgage rates saw their biggest day-over-day decline of the past several weeks today in response to unexpected news regarding additional tariffs on China. Trump had previously been scheduled to meet with China"s President Xi in 2 weeks, but today said there was no reason to do so and that the administration is currently calculating a massive...Read More | ||
| Refi Demand Ebbs Gradually As Rates Remain Rangebound | ||
| 10/10/2025 1:22 PM | ||
| Mortgage application activity declined again last week as refi demand continues pulling back after the surge in mid September. According to MBA’s Weekly Applications Survey for the week ending October 3, total volume fell 4.7% on a seasonally adjusted basis and 5% unadjusted. The Refinance Index decreased 8% from the previous week but remains 18% ...Read More | ||
| Audit, Interest Rate Risk Products; Gov"t Program News; Home Builder Interview; Shutdown and Data Releases | ||
| 10/10/2025 10:49 AM | ||
| The stalemate & shutdown continue, all but eliminating the government release of economic news. Recall that the U.S. Treasury posted a $345 billion budget deficit in August, the largest monthly deficit of 2025 and the 2nd-worst August on record but helped by tariff revenue. This is up from July’s $291 billion deficit and has only been surpassed...Read More | ||
| Overnight Gains on Fed Comments And Japanese Politics (Really) | ||
| 10/10/2025 8:44 AM | ||
| At the start of the week, we noted Japanese political developments as a key reason for overnight losses on Monday morning. This had to do with Takaichi winning control of Japan"s LDP party, thus making her the front runner to become the Prime Minister. Her economic views fueled fears that Japan"s central bank would ultimately need to sell Trea...Read More | ||
| Uneventful Day; MBS Underperform | ||
| 10/9/2025 3:05 PM | ||
| Uneventful Day; MBS Underperform It"s not uncommon to see MBS outperform their Treasury benchmarks in the run up to a round of weekly Treasury auctions only to underperform when the auction cycle wraps up. That underperformance (or rather, Treasury outperformance) was on full display today with MBS losing a...Read More | ||
| Mortgage Rates Move Slightly Higher | ||
| 10/9/2025 2:33 PM | ||
| It"s getting pretty tough to weave an interesting narrative on mortgage rates over the past 3 weeks. During that time, they just haven"t changed that much for the average lender. Today was just another day in that regard. Bonds (which dictate day to day movement in rates) were slightly weaker than yesterday. This implies slightly higher mortgage r...Read More | ||
| DPA, eNote, Credit Tools; Fannie and Freddie Open for Business; Conv. Conforming Changes | ||
| 10/9/2025 10:46 AM | ||
| “Two lawyers walk into a pub. They order a couple of drinks and take subs out of their brief cases. They begin to eat. Seeing this, the angry pub owner exclaims, ‘Excuse me but you cannot eat your own sandwiches in here!’ The two look at each other, shrug, then exchange sandwiches.” Legal news leads off the Commentary today as Optimal Blue and near...Read More | ||
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| Major real estate developers are fast becoming power brokers | ||
| 10/14/2025 9:40 AM | ||
| Powered land needs to be secured with the permits, utility commitments, and infrastructure needed to deliver power to a data center...Read More | ||
| China's property slump this year is looking much worse than expected, S&P says | ||
| 10/10/2025 12:29 AM | ||
| China"s real estate market is on track to drop more than previously expected this year due to the lack of government support, S&P Global Ratings said...Read More | ||
| That perfect-looking house for sale may have an owner using AI to virtually enhance the listing | ||
| 10/9/2025 9:16 AM | ||
| If a home for sale looks too perfect, that may be because the owner is using AI to virtually enhance the real estate listing....Read More | ||
| Attending a wedding can cost you as much as a typical month's rent, report finds | ||
| 10/8/2025 9:47 AM | ||
| Some Gen Z and millennial renters are making certain housing sacrifices to afford wedding events, report finds. Here"s what to do instead...Read More | ||
| What the government shutdown means for commercial real estate | ||
| 10/8/2025 11:55 AM | ||
| A federal shutdown affects data collection, causes uncertainty for CRE dealmaking and hits investor confidence....Read More | ||
| Borrowers head back to riskier mortgages, looking for any potential savings | ||
| 10/8/2025 7:28 AM | ||
| Mortgage demand weakened again but for those in the market, adjustable-rate loans are getting more popular, as they offer lower interest rates....Read More | ||
| Investors are making up the highest share of homebuyers in 5 years | ||
| 10/8/2025 7:18 AM | ||
| Real estate investors, both individual and institutional, bought one-third of all single-family residential properties sold in the second quarter of 2025...Read More | ||
| Prologis, Amazon and Meta sign low-carbon concrete pact | ||
| 10/5/2025 9:45 AM | ||
| Concrete manufacturing, and especially cement production, accounts for 8% of global greenhouse gas emissions, according to the World Economic Forum...Read More | ||
| Property tech 'winter' is over, but climate investment is still struggling, says Fifth Wall CEO | ||
| 10/3/2025 7:00 AM | ||
| Higher interest rates, a capital market retraction and a push by almost all venture capital into AI collectively hit property tech hard...Read More | ||
| Government shutdown risks: DOGE real estate impact shows one way federal cuts can ripple across economy | ||
| 10/1/2025 2:56 PM | ||
| The federal government"s termination of hundreds of leases as part of DOGE budget cuts are rippling through the national real estate market....Read More | ||
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