Mortgage Rate Information

Mortgage Market Efficiency and the Reason to Question Price Outliers

By Douglas Katz – 08/25/2023 Have you ever wondered why the mortgager interest rates seem to be in a specific range? I see so much activity from investors to find super low rates as well as questionable lenders who promote unattainable loan terms and it makes me crazy.  The individuals looking for the deals are […]

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In Investment Real Estate, Your Lender’s Character Will Define Your Experience

By Douglas Katz – 08/14/23 In the unregulated and high-stakes world of real estate investment, where interest rates, loan terms, and financial feasibility often dominate discussions, a significant but often underestimated factor looms large: the character of your investment real estate lender. Beyond the numbers, lies an important and often underemphasized aspect of your lender

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Don’t Fall for Low Mortgage Rate Scams

By A. I. Lendberg, Edited by Douglas Katz – 07/03/2023 As a lending professional, I deal the dynamics of mortgage rates and their impact on both borrowers and lenders on a daily basis. I have dealt with the reality of the exceptionally efficient rate market and the headache of unsavory lenders, especially in the hard

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The What, Why and When of Mortgage Interest Rate Buy Downs

By Douglas Katz – 02/09/23 With rates still up from the record lows and affordability still impacting a lot of buyers, buy downs are all the rage right now.  I am getting asked every which way whether I offer them and whether they make sense.  There is a lot to know and I want to

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Mortgage Market Update – Rates Continue Downward Trend and Many Mortgages Just Got Cheaper for a Different Reason

By Douglas Katz – 1/20/23 Per Freddie Mac: As inflation continues to moderate, mortgage rates declined again this week. Rates are at their lowest level since September of last year, boosting both homebuyer demand and homebuilder sentiment. Declining rates are providing a much-needed boost to the housing market, but the supply of homes remains a

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Mortgage Market Update – Rates Trending Downward but NO Guarantees for Future Moves

By Douglas Katz – 01/13/23 From Freddie Mac: While mortgage rates have resumed their decline, the market remains hypersensitive to rate movements, with purchase demand experiencing large swings relative to small changes in rates. Over the last few weeks latent demand has been on display with buyers jumping in and out of the market as

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Mortgage Market Update – Rates Continue Downward Slide But Fed Move Makes Rate Future Uncertain

By Douglas Katz – 12/15/2022 From Freddie Mac: Mortgage rates continued their downward trajectory this week, as softer inflation data and a modest shift in the Federal Reserve’s monetary policy reverberated through the economy. The good news for the housing market is that recent declines in rates have led to a stabilization in purchase demand.

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Mortgage Market Update – Downward Mortgage Rate Trend Continues

By Douglas Katz – 12/9/2022 From Freddie Mac: Mortgage rates decreased for the fourth consecutive week, due to increasing concerns over lackluster economic growth. Over the last four weeks, mortgage rates have declined three quarters of a point, the largest decline since 2008. While the decline in rates has been large, homebuyer sentiment remains low

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New 2023 Conforming Mortgage Loan Limits Released

By Douglas Katz – 11/29/2022 The new official loan limits for classification of conforming loans is out and it is very generous.  The Federal Housing Finance Agency (FHFA) provided a great resource to see what the limits are throughout the nation as some areas have higher limits than others. Some considerations that this brings light.

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Mortgage Market Update – Rates Dip on Optimism About Inflation

By Douglas Katz – 11/18/2022 Per Freddie Mac: Mortgage rates tumbled this week due to incoming data that suggests inflation may have peaked. While the decline in mortgage rates is welcome news, there is still a long road ahead for the housing market. Inflation remains elevated, the Federal Reserve is likely to keep interest rates

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