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Layoffs

U.S. economy expands at a faster-than-expected 2.9% pace

January 27, 2023 by Brett Tams

The U.S. economy expanded at a healthy pace in the fourth quarter, though an extended salvo of Federal Reserve interest-rate hikes is seen jeopardizing growth prospects this year. Gross domestic product increased at a 2.9% annualized rate in final three months of 2022 after a 3.2% gain in the third quarter, the Commerce Department’s initial … [Read more…]

Posted in: Mortgage Rates, Refinance, Renting Tagged: 2, 2021, 2022, Banking, borrowing, Consumers, consumption, data, Economy, energy, fed, Federal Reserve, Financial Wize, FinancialWize, food, Forecast, Forecasts, government, growth, healthy, Housing, Housing market, index, Inflation, interest, interest rates, inventory, Layoffs, manufacturing, market, moderation, More, Mortgage Rates, pandemic, Personal, points, programs, quality, Raise, rate, Rates, Recession, sales, savings, second, Spending, stress, survey, Technology, the fed, wages, will

Layoff: Catastrophe or Opportunity?

January 27, 2023 by Brett Tams

At the age of 50, I was laid off.

It was a Thursday morning in August of 2013 and it came on a conference call along with hundreds of co-workers. I had been working in one way or another since the age of 13 — babysitting, apple picking, camp counselor, journalist. It was the first time I had ever been involuntarily out of work.

Did I mention it happened while I was technically on vacation? Yep. I had to dial in to a conference call to lose my job while at the beach on Cape Cod. Oh, Corporate America.</

Posted in: Mortgage Tips Tagged: 2016, accountant, advice, All, apple, balance, Bank, beach, before, bills, bonuses, Books, build, business, Buy, Cape Cod, Career, chance, Clean, Clothing, coffee, company, Connecticut, credits, data, decision, downsizing, entrepreneurship, Family, Financial Wize, FinancialWize, front, goals, good, great, grocery, home, house, How To, job, jobs, kids, launch, Layoffs, learned, lessons, Life, list, living with less, Local, low, Make, making, market, Marketing, money, More, Move, Moving, networking, new, New Jersey, new job, News, offer, opportunity, Other, paint, panic, paycheck, payments, pinterest, plan, Planning, quality, ready, Recession, Rent, Research, Revenue, right, Salary, School, second, Self-Improvement, selling, Side Hustles, simple, single, Sites, Social Media, Spending, taxes, time, town, traditional, trends, Twitter, Unemployment, vacation, walking, Wi-Fi, will, women, work, Work Life, work-life balance, workers, working

CD Rates 2023 – Where Are They & Will They Go Up?

January 27, 2023 by Brett Tams

Wondering what CD rates will do in 2023? We analyze where they are now and where they are going.
Posted in: Credit 101 Tagged: 1970s, 2, 2021, 2022, 2023, 30-year, 30-year mortgage, 5-year CD, active, All, apple, author, Bank, Banking, banks, basic, before, big, blue, bond, brick, build, building, business, Buy, Buying, CD, CDs, certificate of deposit, color, company, Consumers, covid, COVID-19, COVID-19 pandemic, Credit, credit cards, credit union, Crisis, data, decades, deposit, Economy, environment, expectations, Family, fed, Federal Reserve, financial crisis, Financial Wize, FinancialWize, floor, formula, funds, good, great, health, historical, home, household, index, Inflation, inflation rate, Insurance, interest, interest rate, interest rates, Layoffs, Life, list, loan, Loans, Local, low, LOWER, Make, Make Money, market, markets, money, More, Mortgage, mortgage loan, Mortgages, new, new york, News, offer, Other, pandemic, pressure, Raise, rate, Rates, Recession, right, Saving, single, Spending, Strategies, Style, surveys, target, the fed, time, tips, title, Travel, Treasury, Twitter, under, Unemployment, wants, will, working

Clear Capital cuts 24% of its workforce in restructuring

January 26, 2023 by Brett Tams

Clear Capital said the goal of restructuring is to help weather the current industry headwinds and prepare for the longer term. 

Posted in: Refinance Tagged: 2021, 2022, All, Appraisal Guidelines, Appraisals, Appraisals and Valuations, assessment, business, Careers, CEO, clear, Clear Capital, company, Compliance, Credit, data, decision, efficient, estate, Executive team, expenses, Financial Wize, FinancialWize, goal, government, growth, health, Housing, Housing market, impact, industry, interview, Investing, investment, jobs, Layoffs, leadership, loan, low, Make, market, modern, More, Mortgage and Housing Layoffs, Move, Moving, Nevada, new, opportunity, plan, policies, programs, property, Real Estate, reduce expenses, Review, right, risk, Risk assessment, second, space, sustainable, Technology, time, traditional, Underwriting, weather, will

Hedging, QC, CRM, Insurance, Pre-Qual, Relationship Management Products; Disaster News; Customer Service

January 25, 2023 by Brett Tams

Conference attendance in 2023 may be down, given layoffs and budget cuts, but here’s a handy dandy list of events this year and state organizations. (Click on “Conferences” on the right; for any additions or corrections, contact Ed.) Here at the MBA’s IMB conference, it’s not much fun talking about revenue and margins. So, let’s talk Vitamin C! San Diego County, and California, ranks first with 59 percent of the U.S. citrus production. And when life gives you lemons, you make lemonade. What about when life gives you plenty of barren areas of snow? Thank you to Len T. for this one, reminding us that some people have inordinate amounts of time on their hands. And thank you to Michael Chan yesterday who sent the real estate version of Wordle if you will, where you guess the price of the house. (Watch for those oceanside house prices!) Yes, there are plenty of people out there looking at housing, and the amount for sale. On Friday NAR reported that total housing inventory levels broke under 1 million in December, dropping to 970,00 units. (This week’s podcast is sponsored by Richey May, a recognized leader in providing specialized advisory, audit, tax, technology, and other services in the mortgage industry and in banking. Listen to an interview with Curinos’ John Sayre on the latest statistical trends in the mortgage industry and what to look forward to in 2023.) Lender and Broker Software, Products, and Services ICE Mortgage Technology announces Affordable Lending Analytics Solution. Matching potential homebuyers with affordable lending programs is a challenge. This is often because many loan officers lack the knowledge or tools to easily identify eligible borrowers. ICE Mortgage Technology® recently announced a new Affordable Lending Analytics solution that is designed to help lenders effortlessly identify affordable lending opportunities within their pipeline, match borrowers to funds, and turn more people into homeowners. Matching potential homebuyers with affordable lending programs is a challenge, often because many loan officers lack the knowledge or tools to easily identify eligible borrowers. ICE Mortgage Technology® recently announced a new Affordable Lending Analytics solution that is designed to help lenders effortlessly identify affordable lending opportunities within their pipeline, match borrowers to funds, and turn more people into homeowners. Click here to learn more and receive the latest updates on ICE Mortgage Technology Affordable Lending Analytics.

Posted in: Refinance, Renting Tagged: 1099, 2, 2022, 2023, active, advice, affordable, aid, Alabama, All, Amazon, AmeriHome, android, app, apple, Apps, assets, author, Bank, bank statement, Banking, before, blue, bond, Broker, brokers, Budget, building, business, Calculators, california, Career, CEO, closing, closing cost, Commentary, correspondent, cost, CRM, Customer Experience, customer service, data, decision, energy, engagement, entertaining, estate, existing, experience, Fannie Mae, fed, Federal Reserve, FEMA, Financial Wize, FinancialWize, flooding, FOMC, fun, funds, Georgia, gifts, goal, good, Google, government, guide, home, Home Insurance, home loans, homebuyer, Homebuyers, homeowners, homeowners insurance, house, Housing, Housing inventory, How To, industry, Inflation, inspection, Insurance, interest, interest rate, interview, inventory, inventory levels, investors, iOS, iPhone, journey, language, Layoffs, Learn, lenders, lending, lessons, Life, liquidity, list, loan, loan officers, Loans, low, maine, Make, making, manufacturing, market, Marketing, markets, MBA, MBS, mobile, Mobile App, Monetary policy, More, Mortgage, mortgage calculators, mortgage market, Mortgage News, mortgage technology, Mortgages, Move, NAR, new, News, NMLS, non-QM, offer, offers, Operations, Opinion, Other, plan, podcast, policies, portfolio, pre-approval, president, products, programs, property, Purchase, quality, questions, rate, Rates, Real Estate, Real Life, realtor, Relationships, renovation, Residential, Revenue, Reverse, Review, risk, sales, san diego, save, Saving, securities, seller, selling, Selling Guide, shares, single, snow, Social Media, Software, states, story, suite, target, tax, Technology, television, the fed, tips, title, tools, trading, Treasury, trends, Twitter, under, Underwriting, unique, united, updates, Video, volume, walking, weather, will, winter, wordle, work, working

Mortgage rates near 6% unleash horde of homebuyers, and even lower rates could be on the way — but economists warn consumers are still ‘not invincible’ – Yahoo Finance

January 25, 2023 by Brett Tams

Mortgage rates near 6% unleash horde of homebuyers, and even lower rates could be on the way — but economists warn consumers are still ‘not invincible’  Yahoo Finance

Posted in: Renting Tagged: 15-year, 2, 2023, 30-year, advice, affordability, Applications, Apps, buyers, Buying, color, Consumers, Credit, credit cards, data, Digit, Economy, Fall, fed, Finance, Financial Wize, FinancialWize, First-time Homebuyers, fixed rate, Forecast, Freddie Mac, good, Google, government, growth, holiday, home, home loan, homebuyer, Homebuyers, homeownership, homes, Housing, Housing market, industry, Inflation, inflation rate, Investing, investing apps, investors, Layoffs, loan, low, LOWER, market, MBA, Mike Fratantoni, Monetary policy, More, Mortgage, mortgage applications, Mortgage Bankers Association, MORTGAGE RATE, Mortgage Rates, Mortgages, Move, National Association of Realtors, new, new year, News, opportunity, president, pressure, Purchase, rate, Rates, realtor, Realtor.com, Realtors, Refinance, sales, Sam Khater, save, savings, Spring, the fed, the new year, under, Unemployment, warranty, will, yahoo finance

New American Funding partners with EasyKnock on sale-leaseback program

January 24, 2023 by Brett Tams

New American Funding now offers EasyKnock’s residential sale-leaseback program, allowing clients to access their home equity.

Posted in: Mortgage, Real Estate, Refinance Tagged: 2016, 2021, 2022, active, Broker, business, company, country, data, EASYKNOCK, equity, Fees, Finance, finances, Financial Wize, FinancialWize, government, home, home equity, home value, homeowners, homes, Housing, Layoffs, lending, liquidity, loan, loan officers, market, model, money, More, Mortgage, Mortgages, new, New American Funding, new york, offers, Rates, Real Estate, Rent, renters, Residential, Revenue, Sell, sellers, selling, startup, states, tenant, Transaction, volume, washington, will

Housing Market Tracker: Purchase apps jump 25%

January 24, 2023 by Brett Tams

Last week’s housing market data provided mixed news, but the year-over-year purchase app numbers were the big story.

Posted in: Mortgage, Mortgage Rates Tagged: 10-year yield, 2021, 2022, 2023, active, affordability, All, app, Apps, before, big, bond, bond yields, COVID-19, data, days on market, Economy, existing, Existing home sales, Fall, fed, Financial Wize, FinancialWize, Forecast, good, great, Grow, growth, home, home prices, Home Sales, homes, Housing, Housing inventory, Housing market, index, inventory, inventory levels, jump, labor market, Layoffs, Listings, low, LOWER, market, model, More, Mortgage, Mortgage Rates, Moving, NAR, needs, new, new home, new home sales, News, pandemic, pending home sales, Purchase, purchase apps, rate, Rates, Recession, sales, seasonal, Seasonality, second, Spring, story, summer, the fed, traditional, trends, under, Unemployment, volume, wants, will, winter, working

Can This Real Estate Disruptor Recover From Its 95% Plunge in … – The Motley Fool

January 23, 2023 by Brett Tams

Can This Real Estate Disruptor Recover From Its 95% Plunge in …  The Motley Fool

Posted in: Savings Account Tagged: 2021, 2022, 2023, acquisitions, Applications, big, build, business, Buy, CEO, clear, company, cost, couple, COVID-19, COVID-19 pandemic, Deals, Debt, Demand Index, disclosure, equity, estate, Financial Wize, FinancialWize, fund, Google, hindsight, home, home loans, Home Price, home prices, Home Sales, home tour, homebuyer, homes, Housing, iBuyers, index, inventory, investors, Layoffs, Life, Listings, Loans, market, money, More, Mortgage, mortgage applications, Mortgage Rates, needs, new, new listings, Other, pandemic, pending home sales, Purchase, purchase applications, Rates, Real Estate, Redfin, sales, search, second, Sell, statistics, stock, stock market, stocks, The Stock Market, timing, tour, under, volume

Aurora seeks third extension to deadline for merger with Better.com

January 22, 2023 by Brett Tams

Aurora Acquisition Corp. wants to extend the deadline of its merger deal with Better.com again, dimming prospects for the deal to go through. 

Posted in: Mortgage, Refinance Tagged: 2021, 2022, 2023, acquisition, All, Alternatives, Aurora, Better.com, business, CEO, company, country, Digital mortgage, experience, Financial Wize, FinancialWize, financing, hold, IPO / M&A, Layoffs, market, money, More, Mortgage, Operations, Other, Purchase, Rates, SEC, second, shares, stock, stock market, Transaction, wants, will, Zoom
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