Tag Archive for: jobs reports

3 Reasons To Be Very Thankful For Today’s Rates; Wow – Markets Ignore Hot Jobs Report!

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If the spread between the average mortgage rate and the 10-Year Treasury Yield was at 2023 levels, today’s average rate would be 1% higher! (The average rate would be close to 7.4%!). Read More

Rates Fell – Delivering 6 Very Important Lessons! Which Bubble Will Pop First?

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An alarmingly bad “Challenger Job Cuts” surfaced today, and rates fell as a result. Among other things, we’re seeing a 22-year high in announced job cuts, and hiring plans are down a whopping 35% over last year. While this is bad for the economy and job seekers, it is great for this blog because it reveals 6 important lessons.Read More

2025 Interest Rate Forecast: How Far Will Rates Fall In 2025?

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Every year I predict rates will fall 2% in the following year, so I thought I was due for another prediction. I’m also due for another prediction because the internet loves rate predictions, according to our Marketing Director. In late 2022, I predicted rates would fall in 2023 – only to see them climb over 1.5%.Read More

Deflation vs. Inflation; #1 Reason I’m On Team Deflation; Deflation = Much Lower Rates

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Deflation literally terrifies every economist on the planet. But ironically, it can help the mortgage industry, as deflation portends very low interest rates.Read More

How Low Do Rates Need to Go For Purchase Market to Boom? Wow – Rigged Employment Numbers!

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Wow! The jobs report was rigged - beyond anything anyone could have ever imagined. Friday's blockbuster jobs report was propped up entirely by the biggest surge in government hiring in history. Rates shot through the roof on Friday and again today because the jobs report was so strong.Read More

2025 Mortgage Rate Forecast; Jobs Report Tomorrow = Fake News?

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Interestingly, the title of my blog will send our SEO ranking soaring, as everyone seems to be googling this. But, far be it from me to ever focus on SEO… […]Read More

Why FHA APRs Are So Much Higher Than Conventional

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An FHA loan at a lower rate can show a higher APR than a conventional loan at a higher rate. Here's why that happens, what the numbers actually look like side by side, and what APR does and doesn't tell you when comparing loan options.Read More

Payment Costs to Finance Agent Compensation; Jobs Data on September 6th Will Be HUGE!

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The BLS release date for August employment data will be September 6th – and it will be huge! The reason, of course, is because it will influence the Fed’s rate cut decision on September 18th.Read More

False Jobs Reports = Very Big Deal; Assessed Value Has NO Impact On Appraised Value

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Remember all those stellar BLS jobs reports that sent interest rates higher almost every time they were released? Well, it turns out every one of them was wrong. If you can’t trust the government, who can you trust?Read More

Labor Market Cracks Further; OTHER Reason Rates Shot Up Friday – Japan!

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Danielle DiMartino Booth has been saying that we have been in a recession since November – based on her assessment of the labor market (which is and has been much […]Read More

Stock Market Is NOT The Economy; Earthquake Tomorrow; Nordstrom Index

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Tomorrow’s earthquake could be in the bond market because retail sales numbers will be released. And last month, bond yields and interest rates plummeted when retail sales numbers came out softer than expected. This is because retail sales are a great indication of the health of our economy - that is 70% consumer spending.Read More

Nvidia’s Impending Crash; AI Bubble Will Pop; & Market Timing

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A few years ago, the chip maker Nvidia’s shares were under $100, as the company mostly supplied cool chips for video games. The share price is now around $1,200; the company is posting monstrous quarterly earnings; and the company has increased in value by several TRILLION dollars since the recent advent of the AI boom. It is THE success story for the ages, but Galloway says that both the Nvidia and AI bubbles will pop. The stock valuation multiples (150x revenue) are so high that they can’t help but crash.Read More

Interest Rates Up Again; Trends Vs. Blips; How Worried Should We Be?

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The “average interest rate” peaked at just over 8% in October. Interest rates then slid downward 1.5% over the next few months before heading back north over the last few weeks. While they remain 1% lower than where they were in October, the slide upward over the last few weeks has left many people in the real estate and mortgage world all too worried. Read More

CRACK!! That Was The Sound of The Labor Market Breaking! This Is A VERY BIG DEAL!

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There is simply no way the Bureau of Labor Statistics can show rosy jobs data forever. Unemployment climbed to 3.9% from 3.8% and the number of job creations came in below expectations. Some media sources and the current administration are trying to spin the sheer number of job creations as a huge positive, but the market knows otherwise and rates fell sharply.Read More
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1 The flat $2,500 fee applies for homes valued at $1.3M or less; a flat $3,500 fee applies for homes valued over $1.3M. Market value is determined at the time of service and may be based on an appraisal, broker price opinion, or other valuation method.

2 FREE-FI ELIGIBILITY: 1) Client must purchase their home through JVM Lending with a closing date between 10/24/2022 and 12/31/2026 in order to be eligible for JVM’s Rate Drop Free-Fi. 2) Eligible for primary residences only. 3) Refinance offer must be claimed by locking the refinance rate between 120 days and 36 months from the original purchase closing date. 4) Refinance loan must be on the same subject property as the original purchase loan. 5) For refinance loan amounts of $350,000 or more, JVM Lending will provide a lender credit up to $4,500 toward the following fees: first appraisal (additional appraisals, if needed, are the client’s responsibility), credit report, tax certification, mortgage recording fee, flood certification and life of loan, notary fees, and processing and underwriting fees. 6) For refinance loan amounts between $150,000 and $349,999, JVM Lending will provide a lender credit up to $1,500 toward processing and underwriting fees. 7) Eligibility subject to loan approval. Please note that “specialty” loan programs including but not limited to Down Payment Assistance (DPA) mortgages, Non-Qualified Mortgages (Non-QM), Brokered/Wholesale Mortgages, and Bridge Loans may have additional loan approval criteria that impact offer eligibility and availability. 8) Minimum loan amount of $150,000.

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