For as long as I can remember, “Don’t fight the Fed” has been a universally held axiom which means no matter how right you think you are, the Fed can do the opposite for a lot longer than you can stay solvent. And the Fed has issued many warnings that rates will...

I’ve seen predictions for where home prices will finish in 2023 that range from +5% to -25%. Here’s why I lean toward the upper end of that range, especially in our markets.

In a recent HousingWire article, mortgage M&A experts predicted that as many as 33% of the largest independent mortgage banks would not survive to the end of 2023. The experts expect large numbers of mergers, acquisitions, or outright failures. In the...

Since the start of 2022, the average 30yr fixed mortgage rate (as measured by the Mortgage Bankers Association) has skyrocketed 1.84 percentage points, from 3.52% to 5.36%.  On a $250,000 mortgage, that represents an additional annual cost of around $4,600 in...

¿Por qué los agentes hipotecarios ganan cuota de mercado de forma constante cada trimestre? Porque los agentes proporcionan un valor muy superior a los compradores de vivienda que los prestamistas hipotecarios tradicionales. Un agente de préstamos hipotecarios tradicional es un poco como un vendedor de coches que trabaja para un determinado concesionario. Un coche...

Nuestros clientes nos preguntan a menudo por qué los tipos hipotecarios aumentan antes de que la Reserva Federal suba los tipos de interés. La respuesta radica en que hay muchos mercados diferentes en los que confluyen prestatarios y prestamistas y los mercados de préstamos a corto plazo no...