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Various speeches from members of the Federal Reserve contributed to upward pressure on rates throughout the week. But then on Friday, all that pressure was erased in an instant or two. What has that kind of power? If you were forced to guess Friday's big market...
This week, the Mortgage Bankers Association (MBA) released application numbers that confirm what almost anyone in the mortgage industry could have already told you (if they could find the time and energy!) A new refi boom is underway. The refi numbers are all the...
Market volatility has been fairly intense over the past week and a half with trade war drama taking the spotlight away from the Fed and economic data. The following chart shows the Fed announcement last Wednesday being trumped by Trump's tariff tweets on Thursday and...
On the morning after this week's Fed rate cut, mortgage rates were roughly unchanged versus the previous morning. This will come as a surprise to scores of consumers who mistakenly believe the Fed's 0.25% rate cut equates to a 0.25% drop in ALL rates. The...
Negative housing-related headlines are on the rise. Here are a few recent examples: Foreign purchases of American homes plunge 36% as Chinese buyers flee the market Another bad sign for the housing market Housing is providing another in a line of troubling signs...
This week's most prevalent housing market headlines were quick to mention the abrupt drop in Building Permits to the lowest levels in 2 years. Other headlines pointed out that it was the quickest move lower in more than 2 years. Both statements are true. So is it...
Too frequently, media coverage suggests a Fed rate cut would coincide with lower mortgage rates and vice versa. But in practice it can be just the opposite! Let's take a look at what the Fed is actually about to cut and how it might impact rates. The Fed Funds Rate...
Are you finally ready to stop renting and buy a home in Bozeman? You’ve been renting for a while, but now you’ve settled into your life. Have you been working for the same great company and moving up the ranks since high school? Did you put that awesome idea into...
Interest rates have been on a tear. They've fallen faster and farther than at any other time in the past 8 years. By some measures, they've managed to maintain positive momentum for as long as they ever do. This naturally begs the question: is it time for a bounce?...