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General

This Week’s Market Reflection: Inspired by the Bangles “Walk Like An Egyptian”

Over the years, I’ve observed two markedly different approaches to selling real estate—resale properties versus new construction—and it may be time for resale sellers to start “selling like a builder.”

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A yard sign reading "Beware of the" with a bite taken out of the bottom.
General

They Are Back…and You Need to Beware…

If the Rate Quote Looks Too Good to Be True… It Probably Came From a Roach With a Headset. A funny thing happened a couple of weeks ago when mortgage rates briefly dipped below the 6.00% benchmark.

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A hand drawing arrows turning to the left and right on a board. One labelled "Wrong", the other labelled "Right". "Right" is crossed out.
General

The Big Gouge

Today’s article is a bit of a tribute to one of my favorite movies: The Big Short. If you’ve seen it, you know the plot: a handful of people figured out that the system was being distorted, mispriced, and, in some cases, outright manipulated

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a crowd of hands raised. "Just ask Joe..." text in the bottom right corner
General

Just Ask Joe

I’ve spent a good chunk of my adult life sitting across from my buddy Joe Lunch Pail talking about the economy. Not the kind with charts, graphs, or some guy on TV pointing at a screen.

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General

Good Intentions, No Follow-Through: Why Policy Uncertainty Is Keeping Markets Flat

Investors aren’t suddenly confused by math. They’re confused by the whiplash. One day it’s tariffs on, next day tariffs off. Government jobs are bloated, then they’re strategic.

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A mortgage professional talking to a couple at a kitchen table, looking at a laptop and paperwork.
General

Lender for Life—or Just Another Transaction?

When buying almost anything, everyone wants a “good deal.” That instinct makes sense. But when it comes to mortgages, many buyers do not fully understand what a good deal actually looks like.

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Rates Edge to Lowest Levels in Three Years… But Don’t Pop the Champagne Yet

Mortgage rates drifted modestly lower this week, with the average 30-year fixed settling near 5.99%, typically accompanied by 0.50–0.75 discount points. Yes, that technically places us below the psychologically stubborn 6% threshold.

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This Week’s Market Reflection: Inspired by Timbuc 3

Despite today’s employment report showing a slight decline in the unemployment rate to 4.1% (down from 4.2%) and non-farm payrolls increasing by 147,000, markets responded with a marginal uptick in interest rates.

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The Grateful Dead logo, in the background there is a landscape of mountains and storm clouds.
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This Week’s Market Reflection: Inspired by The Grateful Dead

Despite a recent stream of economic data suggesting a decelerating economy, easing inflation, and subtle signs of softening in the labor market, last Thursday’s employment report delivered a sobering reality check.

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This Week’s Market Reflection: Inspired by BTO Taking Care of Business

As many of you know, after seven rewarding years with BankSouth, I joined forces with Jeff Zulauf—one of the top-producing mortgage professionals in Georgia—to launch the Aiken Zulauf Mortgage Group, powered by CrossCountry Mortgage.

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