Interest Rates

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Short-Term Credit Repair Can Lower Rate 1%! It’s Free and Easy

We always offer free credit repair to borrowers whenever we see the potential for obvious “fixes” on a credit report. To be clear, increasing a score by 140 points is a big reach, but we do often...

September 8, 2023 3 min read
Short-Term Credit Repair Can Lower Rate 1%! It's Free and Easy

Goldman Sachs: “Only 15% Chance of Recession in 2024” WHY???

Gammon shreds all of Goldman’s assertions in his video, reminding us that Goldman completely missed the 2008 financial crisis with its previous predictions, as well as the inflation runup we just...

September 7, 2023 4 min read
Goldman Sachs Only 15% Chance of Recession in 2024 WHY

When Will Mortgage Rates Drop?

Mortgage Rates Will Drop 2% On January 8, 2024! Or not, because nobody has a clue what will actually happen. A recession was delayed due to stimulus, but it is coming, and rates will fall – likely...

September 1, 2023 4 min read
When Will Mortgage Rates Drop

The Dangerous Cost of Low-Ball Offers! Student Loans Are Due Again!

While mortgage rates are generally holding, 10 Year Treasury yields fell for the third day in a row. I mention this at the top of the blog because this is something we have not seen since May; the...

August 31, 2023 3 min read
The Dangerous Cost of Low-Ball Offers! Student Loans Are Due Again!

Why So Many Lenders Have Rates Below the National Average (it’s not what you think)

We got the JOLTS report yesterday and the ADP report today, and among other things, we are seeing: (1) slower job creations; (2) the creation of part-time jobs instead of full-time jobs, making new...

August 30, 2023 5 min read
Why So Many Lenders Have Rates Below the National Average (it’s not what you think)

U.S. Dollar Is Surging & It’s Not Good! Temporary Buydowns Are Back!

In early April I wrote this blog and it went viral:  The U.S. Dollar Is Going To Collapse And It Will Be Horrific!   I highly recommend re-reading the blog because it […]

August 24, 2023 3 min read

Massive Housing Shortage NOT Caused By Conspiracy! Rates Finally Fall – But Not For Long

Rates Finally Fell – A Lot – But Not For Long Rates finally fell today in response to jobs report revisions and negative economic news out of Europe. On the […]

August 23, 2023 3 min read

Rates Hit New Record Highs; China’s Demise Part II – What To Do?

The Ten Year Treasury Yield hit its highest level since 2007! Here are some of the reasons: Waiting On The Fed. Bond prices fell and yields/rates rose, as investors are anxiously waiting […]

August 21, 2023 5 min read
Rates Hit New Record Highs; China’s Demise Part II – What To Do

Rates Hit 23-Year High (I Hate It When That Happens)

Mortgage interest rates rose yesterday largely in response to the release of Fed Minutes – and they are now at levels not seen since 2000. Here are a few interesting […]

August 17, 2023 3 min read
Rates Hit 23-Year High (I Hate It When That Happens)

Big Short Guys Not Shorting! Excess Bond Supply NOT Pushing Up Yields; Fed Does Not Control Interest Rates

Here are a few random but very important points. BIG SHORT GUYS ARE NOT SHORTING HOUSING! In this recent Milkshakes Markets Madness podcast, famed macro analyst and fund manager Brent Johnson...

August 14, 2023 3 min read
Big Short Guys Not Shorting! Excess Bond Supply NOT Pushing Up Yields; Fed

Rates Shooting Way Up Soon – Here’s Why

With respect to inflation, we could see an apparent “resurgence” tomorrow when Consumer Price Index (CPI) numbers are released. This is because the CPI report will be for July and the comparisons...

August 9, 2023 3 min read

Watch Out For Jobs Reports & Why Janet Yellen Drives Analysts Crazy!

The Big Drop in Rates Will Come When We Get a Negative Jobs Report The big move in interest rates that everyone is expecting at some point will very likely […]

August 4, 2023 3 min read
Watch Out For Jobs Reports & Why Janet Yellen Drives Analysts Crazy!

Mortgage Rates Hit New High; Causes? When Does It End?

Why I Know High Rates Won’t Kill Us The average mortgage rate today is 7.20%, per the Mortgage News Daily, the highest rate we have seen since November of last year. I […]

August 3, 2023 3 min read
Mortgage Rates Hit New High; Causes? When Does It End?

There Is Not Going To Be A Soft Landing – Most Important Blog This Year!

This may be the most important blog I write all year because it will impact how readers invest and plan for the future – and it openly refutes the mainstream […]

July 31, 2023 5 min read
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