The Trend is Your Friend
Despite the ongoing dysfunction in Washington—now entering Day 14 of the government shutdown—financial markets have remained remarkably resilient.
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Signs That Times May Be Changing: Are Buyers Coming Back to the Market?
While national mortgage application data may suggest continued weakness in housing demand, a closer look reveals a more nuanced—and perhaps encouraging—story.
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Rates Did What?
The Federal Open Market Committee (FOMC) met for its sixth of eight scheduled meetings this year and, as widely expected, reduced the benchmark federal funds rate by a quarter point.
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Last Call: The Buyer’s Market May Be Closing
This week’s inspiration comes from Semisonic’s 1998 hit Closing Time. Much like the final call at a bar, prospective homebuyers may soon face the end of a rare window of opportunity.
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The Fed Cut 2025
The Federal Reserve cut its benchmark rate by 0.25% at Wednesday’s meeting, a move fully anticipated by markets.
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Don’t Stop Believing: Homeownership May Be Closer Than You Think…
This week’s inspiration comes from Journey’s 1981 anthem Don’t Stop Believin’. For many first-time homebuyers, the song’s title captures both the challenge and the hope of entering today’s housing market.
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“They’re Back… Again”: The Return of No-Down Payment Loans
Normally, I draw inspiration for these articles from rock music, but today I turn to a classic film from 1986—Poltergeist II: The Other Side.
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This Week’s Market Reflection: A Beautiful Day for Housing and the Economy
Inspired by U2’s 2000 hit “Beautiful Day,” this week’s economic outlook carries a similar message: after three turbulent years, the horizon is finally brightening. The Dow Jones Industrial Average has pushed past the 45,000 mark.
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40-Year Mortgages: Why Not?
The 30-year fixed-rate mortgage is an American institution—so ingrained in our housing finance system that many assume it has always existed. In reality, this product emerged in the mid-1930s to early 1940s, largely as part of New Deal
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Don’t Be Fooled Again: The Illusion of Improved Affordability in Atlanta’s Housing Market
Let’s turn back the clock to July 30, 2023. In Metro Atlanta, the average 30-year fixed mortgage rate was hovering just below 7%. Industry forecasts were awash with optimism. We were told rates would be falling soon—perhaps below 6% by year-end.
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