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2015 Dec 15, 7:50am
We are just in our infancy on our demographic phase that is going to be a net net positive for the U.S. economy
This is more of next decade story line, but I am pleading with you Anti American bears, we will see a recession at some point and then we will see a recovery, but learn from this cycle that, we as a country will always find a way because our Demographics aren't anywhere close to Germany, Japan, China, Europe and other places
When they get that bad, then you have my blessing to start talking about America in a massive decline as country, but not yet...
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2015 Dec 15, 8:12am
Going ahead, keep an eye out on this metric for future rate hikes
Atlanta Fed's Wage Growth Tracker increases in November https://goo.gl/GRrv1g
You won't see a 17 rate hike cycle like we saw in the last cycle
But this, with Core CPI and the JOLTS/Wage Growth index matter going ahead
logan, just curious - would you have advised your borrowers to lock in a mortgage rate yesterday?
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2015 Dec 16, 7:47am
logan, just curious - would you have advised your borrowers to lock in a mortgage rate yesterday?
I do rate predictions for Bankrate.com weekly, so I run off technical levels for my clients that are in the process
It's funny how I speak about rates and how other people do it
Strategist
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2015 Dec 16, 7:51am
- Active Drug users
- Active criminals
- Those with a criminal record ( Hard to Find Job)
The above deserve to struggle.
lol, some people just like to be vague...
key point is volatility i suppose. not a great time to roll the dice with a float to close the year.
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2015 Dec 16, 8:00am
key point is volatility i suppose. not a great time to roll the dice with a float to close the year.
I locked my last client for the year when the 10 year was at 2.14%
Rate locks can be tricky because people can get emotional about it, but the YSP spreads on credit is really a big factor in locking these days.
We had a mini taper move this year when 10's went from 1.64% - 2.50% a lot people were pissed when they didn't lock...
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2015 Dec 16, 8:25am
If Rapping Yellen Doesn't raise I will be pissed
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2 year which needs to be over .80% is now at .90%
#Housing #Economics