Look at this chart above, out of nowhere yields have made a U-turn with long term treasury yields surge to almost 20-year highs and predictions exceeding 6%. This is exactly the opposite of what economists had predicted at the beginning of the...
Check out the chart above. House prices this summer have hit yet another record? On the flip side, look at the chart below of Denver and Atlanta. Why the huge difference? What is happening in today’s real estate environment? Is the data above or below...
What an insane 24 hours, a late night tweet on Tuesday announced the sudden firing of a Federal Reserve Governor essentially trying to eliminate the independence of the federal reserve while ensuring looser monetary policy. Ironically the opposite occurred and...
Fannie Mae and Freddie Mac, the largest buyers of mortgages, effective immediately are required to count cryptocurrencies as an asset for mortgages. This is a profound shift in policy. How will this impact real estate lending? Will Cryptocurrency radically alter...
Various trade publications continue to predict a decline in mortgage rates the second half of the year, yet at the same time Walmart, Ford, and others have announced big price hikes coming down the pipeline. What does this mean for the economy,...
It is interesting that inventory is increasing, demand is declining, and yet home prices are staying relatively stable and or increasing based on the latest data from the National Association of Realtors. How accurate is this data? What alternative metric...
Look at the graph above, what has caused my closing to surge in 2025 while overall real estate closing volumes have plummeted? What does this mean for real estate? Don’t get me wrong, I like to think the surge in closings is because I’m an amazing lender and a great...
When I was writing this article mortgage rates were hovering right around 7%. At the same time economists had been predicting a sharp decline in mortgage rates and a booming 2024 real estate market as the fed has cut rates. On the other hand, the chart above...
As everyone departs for the Thanksgiving holiday, I wanted to wish you safe travels and a happy holiday season. Although it has been a challenging year for many in real estate due to much higher interest rates than anticipated and much lower sales volumes, there is...
Regardless of how you voted, at the end of the day for real estate in particular, does the election of President Trump radically change the trajectory of real estate? What happens to real estate volumes? Will interest rates rise or fall? What happens to values? Why...
Consumer spending in the world’s largest economy has been so resilient in the face of stubbornly high inflation that economists and traders have had to repeatedly rip up their forecasts for slowing growth and interest-rate cuts. Is Phantom Debt driving consumer...
The million dollar question is where do interest rates head from here. The Federal reserve has hinted at more upcoming cuts, what does this mean for mortgage rates? Does the federal reserve actually control mortgage rates? How is the treasury department...
There is a huge premium to buying a property compared to renting. It is now 70% more expensive to buy vs rent a property, which is considerably higher than at any time in the last fifty years. What is causing the large divergence in renting vs buying? What does...
There is a huge premium to buying a property compared to renting. It is now 70% more expensive to buy vs rent a property, which is considerably higher than at any time in the last fifty years. What is causing the large divergence in renting vs buying? What...
The economy is currently in a “transition” phase. To determine if the sun is setting on our current cycle, it is critical to watch for leading indicators of where we might be heading. One of the strongest predictors of a recession is consumer purchases of one...
When I was writing this article mortgage rates were hovering right around 7%. At the same time economists are predicting a sharp decline in mortgage rates and a booming 2024 real estate market. On the other hand, the chart above shows a much different picture. ...
It is a bit perplexing; mortgage rates are over 7%, well over double their lows, and yet real estate prices are once again heading higher after a minor pullback late last year. Prices have pivoted from last fall to make a strong comeback and approach new highs. What...
Wow, what a year. In December the market was anticipating as many as 4 rate cuts this year. At the same time the federal reserve was doing a victory dance on pulling of a soft landing. Fast forward and inflation is still hot and there is now a question of if...
States have traditionally set rental regulations including zoning, evictions, etc… but that is all set to change with the president’s new proposal. The federal government will now be assuming many of the powers that were granted to the states. The biggest change is...
Foreclosures are surging in a risky corner of commercial real-estate finance, offering one of the most profound signs yet that turmoil in the commercial property market is just beginning. Lenders this year have issued a record number of foreclosure notices for...
Big changes to how real estate has been bought and sold are scheduled for July. Why is this settlement the most groundbreaking change in real estate since the internet. What is in the most recent settlement? How will home buyers and sellers be impacted by the...
When I was writing this article rates were hovering right around 7%. At the same time economists are predicting a sharp decline in mortgage rates and a booming 2024 real estate market. On the other hand, the chart above shows a much different picture. Where do...
It is crazy how far technologically we have come, but at the same time how fragile our infrastructure is. On of the largest cities in Atlanta (Fulton County) recently had a cyber “incident” which shut down the city and halted all real estate closings. This...
We have heard a ton of good news recently regarding inflation. Inflation has come down dramatically from its peak and the market is pricing in almost a 100% probability of an elusive soft landing. Is inflation really coming down as fast as the consumer price index...
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