Closing the Year with Insights: Mortgage Trends, Market Updates, and the Road Ahead for 2025

Closing the Year with Insights: Mortgage Trends, Market Updates, and the Road Ahead for 2025

Show notes:

TMSpotlight:

 

12-23-2024 "Rubber Duckie"/"Carol of the Bells" Merry Christmas!

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Oh, Rubber Duckie, Congress ducked. They made budgets lots of fun.

The day after the hawkish cut, the curve steepened, and mortgage rates rose. The lame ducks found that all the big spending ducks were not in a row because they couldn’t duck Elon's tweets. Ultimately, Congress ducked the pork and avoided the debt ceiling until March 14th.

Vo vote, votie vote.

In 2025, expect mortgage rates in the 6s ranging from 5.9 to 7.40. Additionally, the 10-year T-Note yield should expand its 2024 range of 1.14 bps to 1.50 bps. So, anticipate a trading range between 5.10 and 3.60.

Forget the duckie. Hear the Carol of the Bells. Merry Christmas
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Song 1: Rubber Duckie (1970) Sesame Street
https://www.youtube.com/watch?v=Mh85

R-S-dh8
Song 2: Carol of the Bells (1904) Lindsey Stirling’s cover 2017
"Carol of the Bells" is a popular Christmas carol, which is based on an Ukrainian New Year's song.
https://www.youtube.com/watch?v=EKkzbbLYPuI

The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker’s TMSpotlighta macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.