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Real Estate News |
Another 2-Month Low For Mortgage Rates After Modest Drop
Wed, 07 Jan 2026 21:09:00 GMT
Wednesday had the potential to cause bigger volatility for rates due to the confluence of several important economic reports. If that data had been lopsided in one direction or the other, rates likely would have moved more. As it happened, the data w..[read more]
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Asurity Forum; HELOC, 2nd, Non-QM Product News; Homebuyer Demographics
Wed, 07 Jan 2026 16:45:41 GMT
What are the attributes of a successful loan officer? In my years of listening to LOs compare notes, many mention "mindset' since the job sometimes can be a grind. LOs fully explore possible niches, manage their database, strive toward leadership, an..[read more]
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Stronger Start Thanks to Europe and ADP
Wed, 07 Jan 2026 13:45:09 GMT
Bonds rallied steadily overnight with more of the gains aligning with a data-driven bond rally in Europe. The overnight move brought 10yr yields roughly 2bps lower from yesterday's close. Another 2bps of improvement followed this morning's ADP ..[read more]
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Flat Ending After Early Head Fake
Tue, 06 Jan 2026 21:25:10 GMT
Ending Near Unchanged Levels After Early Head Fake Trading volumes confirm that bonds are 100% back in action, but after this morning's selling pressure proved to be a head fake, that volume hasn't translated to ..[read more]
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Mortgage Rates Barely Budge, But Volatility Risk is Increasing
Tue, 06 Jan 2026 20:53:00 GMT
Mortgage rates have been effectively unchanged for 5 straight days now. During that time, the MND 30yr fixed rate index hasn't moved by more than 0.01%. The average borrower would see almost exactly the same terms on any of these days. The absence o..[read more]
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AI, 2nds, Servicing Tools; Wire Fraud Scheme; MISMO Changes; Thoughts on Affordability
Tue, 06 Jan 2026 16:54:24 GMT
As it turns out, not everyone has a loan on their house. In fact, 40 percent of U.S. homes don't have a mortgage, per the Census Bureau. Should I repeat that? 40%. (Here's a nice map with state-level information.) What are you, or your company, doing..[read more]
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Volume is Back. Still Waiting on Volatility
Tue, 06 Jan 2026 14:54:27 GMT
A range trading theme has dominated the bond market since the most recent high yield on December 10th and the most recent low the following day. 100% of trading since then has fallen inside those boundaries (4.10-4.20% in terms of 10yr yields). Even ..[read more]
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Bonds Improve Back to Pre-Holiday Levels
Mon, 05 Jan 2026 21:19:12 GMT
Bonds Improve Back to Pre-Holiday Levels While there was some relevant econ data today (ISM Manufacturing), it didn't have an obvious impact on the bond market. Nonetheless, volume was back at pre-holiday levels...[read more]
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Mortgage Rates Holding at 2-Month Lows
Mon, 05 Jan 2026 20:52:00 GMT
The two days of 2025 with the lowest rates were September 16th and October 28th. Both days happened to be the Tuesdays that preceded Fed rate cuts. On both occasions, those rate cuts were delivered with other comments from the Fed that the bond marke..[read more]
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AI, Retention, Jumbo Tools; STRATMOR Interview; Lenders From 2006; Mortgage Action Alliance
Mon, 05 Jan 2026 16:41:48 GMT
Redfin is calling next year the beginning of "The Great Reset,' when wages will grow faster than home prices for the first time since 2008. Eventually, that could mean affordable houses. But not this year. Mortgage banking isn't a career most people ..[read more]
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