Tag Archive for: rate cuts

Why Kids Not Drinking Is A Huge Threat To The Economy! Who Cares If The Fed Cuts? Investment Property Financing Is Insane!

/in ,
Per capita alcohol consumption amongst 18 to 34-year-olds has fallen by as much as 25% over the last 10 years. And even sadder, binge drinking has dropped off by as much as 40%! Let’s discuss why this is serious.Read More

Weak Jobs Report; Rates Hit 11 Month Low; Do Rate Cuts Work?

/in ,
The average mortgage rate is 6.29% today, per rate surveys. It is a low we have not seen since October of last year. Here’s what’s interesting, though. When mortgage rates were this low last time, the 10-Year Treasury Yield was about 3.85% - while today’s yield is around 4.07% (as I type this blog). Average mortgage rates are lower today relative to 10-Year Treasury Yields because the “spread” between the two has tightened this year, as demand for mortgage-backed securities has increased relative to the supply.Read More

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

/in ,
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

100% Chance of Rate Cut In November

/in ,
Rates are up a full 1/4% since the Fed “cut rates” last Wednesday. This is just additional proof in the pudding when it comes to our frequent reminders to borrowers […]Read More

Fed Rate Cut: Corruption (Powell Helping Kamala) Or Desperate Effort to Stave Off Recession?

/in ,
“They lowered interest rates for the election, nothing more…” That was a post on X.com I just saw, but I have seen hundreds of similar posts all over social media […]Read More

Fed “Cuts Rates;” Mortgage Rates Shoot HIGHER In Response

/in ,
It is sometimes hard to be this right about things…if only because I was so wrong about predicting a recession in 2023. 😊 BUT I was very right about rates […]Read More

Why Appraising a Home For More Than Purchase Price Is So Difficult – For 12 Months

/in ,
Fed Week: Corruption or Panic on the Part of the Fed? The Fed will announce a rate cut this week, and many pundits are now predicting a 50-basis point cut […]Read More

Why Fed Rate Cuts Don’t Help – Part II

/in ,
Even though inflation seems to be waning overall, the CPI “core” inflation (with food and energy eliminated) came in cooler-than-expected today – and stocks tanked.Read More

“Rate Cut Coming” & Rates Went Up; Appraisers Correlate to Purchase Price For 12 Months; Refi Appraisals

/in ,
The Fed released the minutes from their recent meeting, and they all but guaranteed a rate cut in September. More interesting is the large number of Fed members who wanted […]Read More

3 Reasons Mortgage Rates Don’t Always Fall When The Fed Cuts Rates

/in ,
Here are three reasons why mortgage rates sometimes move in the opposite direction of the Fed – or don’t move at all – when the Fed announces a rate cut. […]Read More

Myth: Rate Cuts Help The Economy; Rates Fall To January Levels

/in ,
The 10 Year Treasury Yield fell below 4.0% for the first time since late January. This is in response to continuing weak economic signals (particularly in the employment realm), moderating inflation signals, and the belief that Fed Chair Powell will cut rates in September.Read More

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

/in ,
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

Fed Promises 3 Rate Cuts This Year – But WHY? (Very Confusing Message)

/in ,
The Fed held the Fed Funds Rate steady this month – which was no surprise. The big surprise was that it announced that we’d see 3 rate cuts this year […]Read More

Trade Wars Spark Lowest Rates Since 2016; Why?

/in ,
Over the last four business days, rates have fallen to their lowest levels since 2016. The primary reason is an escalating trade war with China; it was not the Fed’s […]Read More