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Are you mad? Whether you're a housing/mortgage professional or simply a person who might like to buy/sell/refinance a house at some point in the near future, you have a right to be frustrated. Housing is definitely in the midst of a cooling phase. There are many...
There's no question that some housing markets around the country are showing signs of cooling. Price reductions are starting to show up again after an extended absence, the average home is staying on the market a bit longer, and inventory is finally coming up from the...
News has been pretty grim recently for interest rates and the housing market. This week's developments may provide a glimmer of hope. Granted, it could turn out to be false hope, but for now, let's focus on the glimmer! Freddie Mac reported a medium-big move...
Both New and Existing Home Sales came in lower than expected this week. Taken together with last week's big drop in Housing Starts, this raises obvious questions about the housing market. How much should you worry? Incidentally, I posed the same question in last...
A monthly report on new residential construction came out this week, showing a big drop in housing starts (the groundbreaking phase following a building permit). Should we worry about a slowdown in home sales? The short answer is "no." The long answer is a bit more...
This week was chock full of housing data ranging from construction and builder sentiment to the most recent tally on existing home sales. The takeaways can vary depending on your angle of approach. So let's look at all angles! A key news item came from the New...
Mortgage prequalification is an assessment of whether your debt-to-income ratio fits underwriting guidelines for one of the many types of home loans that we offer. It also provides an estimate of how much you may be able to borrow - a good first step in the...
by: Matthew Graham Mortgage Rates Back to 2014 Lows Bozeman Home Loan Mortgage Rates Dec 10 2014, 3:59PM Mortgage rates moved only slightly lower today, but it was enough to bring the end-of-day average to the lowest in more than a year an a half. For the record,...
I get a lot of questions from customers regarding what they've read on the internet or seen on TV regarding interest rates. Today a customer asked me "I saw that 30 year fixed rates are 3.75%, why is my rate 4%?" Well, there are a lot of factors that go into deriving...
