As we enter Q2 of 2025, the majority of headlines will be related to the recent changes in tariffs, how markets are reacting and political views associated with tariffs. While this is a huge topic to unpack and we’re only 2 days into it we’d like to try and take a glass-half-full view of things. Let’s start by looking at
As we enter the final month of Q1, there have been a lot of changes when it comes to markets and the overall landscape in the United States. Anytime there is an administration change, there is a period of time where new policies are being enacted and old policies are being removed. This causes volatility in markets, and in 2025, this
As we wrap up the first month of 2025, it has been nothing short of a whirlwind. As President Trump’s Administration took office, they came out swinging—signing executive order after executive order, fast-tracking confirmation hearings, threatening to impose tariffs, and even changing the name of the “Gulf of Mexico” to the “Gulf of America.” While our commentary is not political,
As we do every year we like to start out by giving a recap of what happened in the prior year and give our long-term forecasts for the coming year. Recapping is easy, but forecasting is difficult especially in a volatile market with a ton of external factors at play. As it pertains to mortgage rates and housing last year we
As we close out July we saw the Fed hike rates another 0.75% which was already priced into markets based on the Fedʼs prior commentary. I donʼt think itʼs a question of “if ” the Fed will continue to hike rates, the only real question is by how much?
This year has been full of mortgage rate talk, Fed rate talk and a lot of doom and gloom from the media. Let’s take a minute and talk about The Neutral Interest Rate or the Real Federal Funds rate! This is calculated by taking the nominal Fed Funds Rate and subtracting inflation. (Fed Funds Rate – Inflation = The Real Federal Funds Rate) With
The number one question I get asked is “Are we going to see a housing crash or a recession?” Which I get, the media has had a very negative tone in 2022 and with mortgage rates rising and inflation at the highest levels in 40 years it makes it easy to jump on the attention-grabbing headlines. While most of us
With Q1 of 2022 in the books, I think it’s worth a look back at some of our early-year predictions and what we had hoped we would see in the mortgage market and housing market. Early this year we predicted mortgage rates rising (not a shocker) but had hoped that by the end of March we would see them in
As we get set to close out Q1 of 2022 the year has started off much as we expected. Volatility in rate markets Inflation reaching the highest levels in nearly 40 years 10-year treasury note breaking 2.0% for the first time since 2019 All of this has caused mortgage rates to also reach the highest levels that we’ve seen since
As the calendar turns to February and we look back on the first month of 2022 economically—it ended almost identical to what we had expected. Mortgage rates are trending upwards, stock markets are volatile, and the Federal Reserve confirmed that they will start hiking the Fed Fund and Prime rate. The only thing that changed is the Fed is now
