Show notes: TMSpotlight: 07-22-2024 Bulls Say "Welcome to Paradise" --------------------- Dear Powell, Can you hear Jobs whining? It's been three whole years since inflation felt your hold. Despite declining volatility, the new bullish trend remains solid. News continues to affirm that two rate cuts make long-term rates happier … [Read more...]
FHA 203K Reforms and Market Shifts, Hidden costs of Homeownership and Other Industry Updates!
Show notes: TMSpotlight: 07-15-2024 "Espresso" ------------------------The markets movin’ in a tight range. Isn’t that sweet? Try not to sleep. Don’t you need Espresso? Some news gives you a jolt. Then you see the screen blink red and green because it's speculating about nothing. No easing, high inflation. High easing, no growth. No liquidity. … [Read more...]
July Market Dynamics: Fed Rate cut, Chevron Ruling, Data Breaches and the Role of AI in Mortgages and Other Industry Updates!
Show notes: TMSpotlight: 7.08.24 Liquidity is running dry, "It’s So Lonesome it Could Cry."---------------------Hear that lonesome Repo well. It sounds too low to fly. Last week, the implied likelihood of a September Fed rate cut rose to 73%. Over a week ago, it was 62%. Bonds cry for a “higher for longer” Fed. But the fall of the dollar and … [Read more...]
Profitability challenges amid NAR settlement, and the Future of Real Estate Commissions and Other Industry Updates!
Show notes: TMSpotlight: 7.1.24 Segmentation, disinflation, pro-inflation; obligation, "Ball of Confusion" ----------- People selling out, people buying in because of the color of their screens. With the Fed listening to Bonds and data, look for 30-year mortgage rates to stay below 7.75 and reach 6% by yearend while the 10-yield … [Read more...]
FHFA approval on Second Mortgage, Bond Market and Other Industry Updates!
Show notes: TMSpotlight: 06-24-2024 Affordability Remains an Obstacle and Servicing values will Drop, it's a "Ball of Confusion" ----------- People selling out, people buying in because of the color of their screens. With the Fed listening to Bonds and data, look for 30-year mortgage rates to stay below 7.75 and reach 6% by yearend … [Read more...]
Inflation, Interest Rates, and Political Turbulence: Expert Insights on Market Trends and Other Industry Updates!
Show notes: TMSpotlight: 06-17-2024 Bond "Barracuda"------------------Bears, this is the end; Bulls rise up again - to reignThey had to take the trend away. Bond barracuda kept the Fed in line, resulting in a new bull market. Long-term, look for the 10-year yield to stay below 5% and mortgage rates below 7.75. Imagine a sub-6% 30-year … [Read more...]
CFPB Ruling on Non-Bank Entities, Importance of Customer Service, Blockchain in Mortgage and Other Industry Updates!
Show notes: TMSpotlight: 06-10-2024 Is Data "Tutti" or "Fruiti"? ------------------------- “Little Richard, what about the data-sensitive market?” Tutti Frutti, go uppie. Tutti frutti, go downie. Tutti Frutti, go uppie. How many angels can dance on the head of a pin? About half. Yet traders keep dancing with every datum as if it changes … [Read more...]
CFPB RFI, Northwest MLS Not Joining NAR Settlment, Strength In The Financial Condition Of Our Banking System
Show notes: TMSpotlight: 06-03-2024 "Suite: Judy Blue Eyes" Hesitation, Higher Yields, or More Interest. Hard Choices.--------------------------It's getting to the point, Jay is no fun anymore. He is sorry. Recent Treasury auctions show investor hesitation to buy. Do they expect higher yields? The low appetite, coupled with the … [Read more...]
Memorial Day Special: What is your legacy? What do you want to be remembered for?
Show notes: TMSpotlight: 05-27-2024 The Fed Leaves US "Right Where You Left Me"----------------Links break up, links get married. Cycles get born, cycles get buried. Trends change, rumors fly through new lies, (with-TS only) Screens Right Where You Left them. The Fed minutes underscored its “higher for longer” outlook, resulting in a … [Read more...]
Market Movement, SCOTUS on CFPB Funding, Flagstar Announcement, and other mortgage updates!
Show notes: TMSpotlight: 05-20-2024 Countries In Recession Won't Be "Lonely Boy"-------------------------Any old report keeps us waiting. Waiting, waiting. Powell’s a Lonely Boy, He’s a Lonely Boy. Oh, Powell, you are the love that keeps us waiting. The latest tame inflation dropped rates. Many expected a strong report that would have pushed … [Read more...]
Navigating Market Uncertainty, Operational Efficiencies and other Weekly Mortgage updates!
Show notes: TMSpotlight: 05-13-2024 "High Hopes" Or Decay For the Long Haul-----------------------At a higher altitude, QT unfurled. Bulls reached the High Hopes of that dreamed-of world. Steps taken forward, Bears sleepwalking back again. Dragged by the force of Fed Powell’s higher-for-longer tide. The perpetual auctions continue to find … [Read more...]
Mortgage market forecast, student loans, and other updates!
Show notes: TMSpotlight: 05-06-2024 Bad Data is "Criminal"---------------------The data hustle, they’re no good at all. Moves like a loser, they are mixed, up, down, done. Dripping Oil, softening Gold, and cooling Copper lifted the short-end’s hope that the Fed will ease this year. Friday’s Jobs report helped. Additionally, the Fed’s … [Read more...]
FTC ruling on non-compete, DU and LP Opt-out and other Weekly Mortgage updates!
Show notes: TMSpotlight: 04-29-2024 The Bears Ask, "Have You Ever Seen The Rain?" ----------------------------- Parker told us long ago There's a calm before the stormHe knows Last week, stagflation appeared in the GDP data, with slowing growth and rising inflation. As a result, the 10-year yield hit our bear target of 4.71.Jimmy … [Read more...]
04-22-2024 Weekly Mortgage Updates with Adam DeSanctis, Les Parker, Matt Graham, David Kittle, Alice Alvey, Allen Pollack, Bill Corbet, Marc Helm, and David Lykken
Show notes: TMSpotlight: 04-22-2024 Rattle Rates and Do "The Twist" ---------------------------- Come on, Jay Powell. Let's do the twist.Come on, Yellen. Let's do the twist. Data continue to confound the Fed and Treasury. Easy money and free-spending lead to the pain of persistent inflation. Now, tight money constraints growth and hastens … [Read more...]
04-08-2024 Weekly Mortgage Updates with Adam DeSanctis, Les Parker, Matt Graham, David Kittle, Alice Alvey, Allen Pollack, Bill Corbet, Marc Helm, and David Lykken
Show notes: TMSpotlight: 04.08.2024 Rates and the Sun Are Having a "Total Eclipse of the Heart"----------------------------(Turn around, Bear lines)Every now and then rates fall apart(Turn around, Bear lines) The US faces a sign in the shadow. Sharp rates, strong jobs, stubborn inflation, Surging Gold, Scorching Oil, and a solid Dollar collide … [Read more...]
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