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The U.S. Was NEVER Going to Default On Its Debt; Debt Ceiling Deal Here

I don’t mean to be querulous, but I have to complain about the debt ceiling nonsense again. And actually, I had no idea what “querulous” meant until it popped up […]

10 Year Treasury Yields Vs. Mortgage Rates (Great Info & Good News!)

The average interest rate in the U.S. is about 6.90%, according to Mortgage News Daily. The 10 Year Treasury Yield is about 3.66% today, as I type this blog. That […]

Is Everything in America Bullsh*t? The J.Crew Story

I took my Korean niece to the Fort Worth stockyards and was absolutely amazed! The stockyards themselves are a fascinating piece of American history. Established in 1849, they became a […]

May 26, 2023 4 min read
Is Everything in America Bullsht The J.Crew Story

Will Rates Fall or Rise After Debt Ceiling Crisis? Rates 1% HIGHER Since April; Gray Swans Galore!

Rates bottomed out in early April, but they have been trending upward ever since – despite generally improving inflation numbers. Given that rates almost always trend downward when inflation improves, […]

May 25, 2023 3 min read

Lenders Giving Away Farms To Generate Volume! 1% Down Loans!

Some extraordinarily advantageous mortgage offerings have surfaced in recent weeks. This is for two reasons: (1) Lenders (or investors that buy loans) are desperate to generate volume; and (2) Lenders/investors […]

Is This The Worst of All Worlds? Sadly, Yes – And Here’s Why…

WOW! Rates rose every day last week even though inflation is clearly falling! This is particularly surprising because inflation is perhaps the biggest single driver of mortgage rates. Making matters […]

May 22, 2023 2 min read

Dude, Where’s The Recession You Keep Harping About? Employment Report B.S.

Because rates have been climbing all week, I got an email that asked me where the recession is that I have been “harping about” for the last year… WHY RATES […]

Dude, Where’s The Recession You Keep Harping About Employment Report B.S.

2024 Will Be A RECORD YEAR For Real Estate Agents! Here’s Why

Depressed real estate agents should hang in there! The reason is 2024 will likely be the best year they ever had, according to the WSJ… sort of. In this recent […]

A Debt Ceiling Default Will CRUSH Housing, Mortgages, and … the Entire World Economy!

The dreaded debt ceiling crisis has been in the news now for a few months, and it is scaring the heck out of everyone for a very good reason. If […]

Co-Marketing Fees = Higher Rates Always

 A loan officer is making the rounds offering agents $5,000 of co-marketing per closed transaction. I have nothing against the idea or co-marketing in general, but I thought I’d discuss […]

Co-Marketing Fees = Higher Rates Always

A.I. Will Create Far More Jobs Than It Kills

I had a friend in high school who worked for Sentry Insurance as a typist for what would be about $40 per hour today – and man was I jealous. […]

May 11, 2023 3 min read
A.I. Will Create Far More Jobs Than It Kills

Refinancing Is Now Way More Expensive – Or More Difficult

This short IG video, titled “Refinancing Is Going To Be More Expensive Than Ever” was making the rounds on social media recently. We were getting questions, so I decided to […]

Refinancing Is Now Way More Expensive – Or More Difficult

Disinflationary Trend Continues DESPITE OIL & AUTOS! WHOOAA!

REMINDER #1: 14-DAY CLOSINGS WIN DEALS! Two of our clients got into contract yesterday alone with the help of our Fast 14 Calendar-Day Close in multiple offer situations. In both […]

May 10, 2023 3 min read

Deciphering Bullsh*t Rate Quotes

UNFORTUNATE INFLATION UPDATE! We have been expecting a very positive inflation number on May 10th for months now for a variety of reasons, as set out by Barry Habib numerous […]

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