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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

Well?  They did it again.  Last week, the Federal Open Market Committee voted to increase the Federal Funds Rate, much