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Whether you live in a drought-prone area, want to reduce your utility bills, or wish to simply lower your environmental footprint this summer, there are many small adjustments you and your family can make to reduce your water and energy use. Water You Waiting For? Depending on where you live, you may not have given your water habits much thought. Read More
Are you wondering where you can get the best return for your home improvement dollars? Whether you are getting ready to sell or just want to make your home more comfortable, here are five fixes that can provide you with immediate results. Improvements You'll Want to Make Sooner Rather Than Later   1. Read More
Do you offer your clients an annual loan review after their mortgages close? Now would be a good time to start. With interest rates forecasted to inch up throughout the year, many clients might benefit from refinancing. Read More
Markets can be irrational and oftentimes emotional. How do you spot when sentiment changes and the market is pricing to a new normal? The answer: by analyzing data and identifying psychological barriers known as resistance and support levels. Read More

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MBS RECAP: Another Chance to Not Get Your Hopes Up

Posted To: MBS Commentary

Tiny pockets of gains have come and gone in the vast sea of red that's dominated 2018 so far. Each pocket has attempted to lure optimists into a "bull trap." In other words, originators want to be bullish on rates, so they're more likely to take the best available opportunities to get bullish--especially if no such opportunities have presented themselves recently. Unfortunately, we're in a pervasive uptrend in rates, and what look like tiny pockets of opportunity have actually been periodic consolidations that help the selling-spree catch its breath before rates continue higher. Is it the same story with the past 2 days of stability? In all likelihood. Granted, the bear case for bonds is i ncreasingly being priced-in , discussed, and understood among traders, but in this...(read more)

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Mortgage Rates Catch a Break Before Long Weekend

Posted To: Mortgage Rate Watch

Financial markets in the US will be closed for President's Day on Monday. Thus, mortgage lenders will not be open, nor will they be accepting locks. Given that mortgage rates took the road less traveled in 2018 and actually moved lower, it's worth having a chat with your mortgage professional if you have a loan in process. Of course, many of you may not be reading this until after the lock window has passed for today, so let's take a look at next week's risks and opportunities . The biggest risk is the same one that's been with us all year. Simply put, rates have been trending higher in a steady but highly convicted fashion, quickly adding a half a percentage point or more to the average 30yr fixed rate quote. As we've been saying all year, it doesn't make sense to bet against that trend until...(read more)

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