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As we roll into the mid-point of the year, mortgage rates are back at the lower end of their last […]

Happy Holidays!  I hope the season is treating you and yours well. In this letter, in addition to a quick

There’s a recession coming. That’s the easy call to make.  The harder part is calling when it will arrive. Most

I sometimes wonder if I’ve been brainwashed. When I got into the mortgage business, 15 years ago, when people asked

Do you ever wonder where interest rates are headed? I do.  Not only is it my job to be in