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Category Archives for "Mortgage Industry News"

Top Risks That Can Jeopardize Your FHA Home Loan Approval

Preparing for a home loan involves several key steps, including financial readiness, saving for a down payment and closing costs, and improving your credit. This preparation might involve ensuring timely payments, reducing overall debt, and refraining from taking on new credit during the process. When seeking a significant loan like a mortgage, certain actions can derail your application. If you’re concerned about securing a home loan, it’s important to avoid these pitfalls. One crucial mistake is incurring new debt. Lenders will review your credit multiple times throughout the loan process, not just at the initial application. Taking on additional debt can increase your debt-to-income ratio, potentially causing the lender to halt your loan until they can confirm that you still qualify. To enhance your chances of approval, maintain your current financial status and avoid any new debt until the loan is finalized.

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Understanding the Latest Trends in Mortgage-Backed Securities: Insights from January 21, 2025

On Monday, Trump introduced several executive orders, notably omitting any direct guidance on tariffs, an issue closely monitored by financial markets. The absence of specifics regarding tariffs eased some inflationary concerns, offering a slight reprieve for bonds. Following a Wall Street Journal report on the tariff delay at 8:30 am, there was an immediate market reaction in futures trading. Despite some volatility since then, bonds have shown slight gains.

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Navigating the Future of Mortgage Markets: Key Insights and Trends for 2025

Keep your hands off my pizza! It’s a sad day for many loyal customers, including those in the mortgage industry, as Costco has decided to eliminate the $1.25 fries from its food court menu. This decision aligns with the retailer’s strategy to phase out items known as “loss leaders,” such as the $5 rotisserie chicken and the $1.50 hot dog and soda combo (hopefully, the combo stays). Alongside this, Costco workers have taken a bold step in voting to strike. Meanwhile, the affluent Trumps have introduced their own cryptocurrencies, further inflating their already substantial fortunes. It’s important to note that Freddie and Fannie do accept virtual currencies under certain conditions. On the regulatory scene, attorney Brian Levy appears to have reconsidered his stance on DOGE’s perceived lack of seriousness. With an influx of CFPB actions as Rohit Chopra’s time nears its end, Levy contemplates potential reforms with new CFPB leadership in his latest Mortgage Musings. (Subscribers can sign up here for free updates.) (Tune into today’s podcast, sponsored by Lender Toolkit’s revolutionary Prism. Enjoy enhanced accuracy and efficiency in processing by streamlining workflows, minimizing errors, and speeding loan closings. Prism features advanced OCR technology with

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Navigating the Future: Key Insights from the January 2025 MBS Market Recap

A Slight Decline, But Overall Uneventful

Friday appeared more like a fourth day of the holiday weekend for the bond market. Both trading volume and liquidity were noticeably in holiday mode. Trading levels remained largely stable, which might seem surprising if you’re observing that MBS prices finished the day over an eighth of a point lower. It’s uncertain if this indicates genuine end-of-day weakness or just reflects the impact of very low liquidity. Regardless, even if the decline is genuine, it’s relatively mild considering Tuesday afternoon’s levels.

Economic Data and Events

Building Permits: 1.483 million against a forecast of 1.460 million

Housing Starts: 1.499 million compared to an expected 1.320 million

Market Movement Recap

09:37 AM Market started with gains overnight but lost them within the last hour. MBS is now unchanged, and the 10-year yield has decreased by half a basis point to 4.609%.

01:57 PM Staying flat at the day’s low levels. MBS dropped 1 tick (0.03), and the 10-year yield fell by half a basis point to 4.608%.

04:05 PM Hit the weakest levels of the day. MBS fell

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Navigating 2025 Mortgage Rate Trends: What Homebuyers Need to Know

Mortgage rates are influenced by the bond market, and Friday turned out to be relatively quiet for bonds. Without any major economic news to shake up trading, mortgage rates remained nearly unchanged from the previous day, with most lenders keeping rates steady. This stability is a positive note, especially following the significant gains seen in the earlier part of the week, marking the best two-day improvement since November. However, rates had kicked off the week at their highest since May 2024, and typically, larger recoveries occur when rates are bouncing back from prolonged highs, somewhat diminishing this positive note. With bond markets closed for the holiday on Monday, Tuesday might bring a surge of trading activity due to political developments, though it’s uncertain whether this will affect mortgage rates positively or negatively.

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Expert Insights into the Evolving Mortgage Market Landscape of 2025

As January moves past its midpoint, the Mortgage Bankers Association has adjusted its 2025 forecast down to $2.1 trillion. Meanwhile, lenders and vendors are adopting a wait-and-see approach regarding interest rates, new products, and regulations. It’s a good time to consider actions beyond just increasing phone calls. STRATMOR’s latest blog, titled “Leaders Don’t Wait for Markets,” might offer useful insights. In 2023, a significant 12 percent of Americans relocated, often leaving behind states like California, Florida, and New York—a trend noted by leading loan officers and real estate agents. Unlike Elon Musk, who can move company headquarters to states such as Texas, not everyone has such flexibility. The economic divide is increasing, with striking statistics highlighting this issue. In 2022, nearly half of U.S. households lacked retirement savings, according to the Survey of Consumer Finances. Moreover, 28 percent of Americans reported savings of less than $1,000, and 12 percent had no savings at all. Encouraging clients to save can foster future business and referrals.

For more insights, today’s podcast, sponsored by Calque, is available. Calque’s white-label solution for buying before selling can enhance purchase volume and

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