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Pending Home Sales for January are up 1.7% which is great, but it’s below the 2.4% expected.  As it happens, the luxury home market is seeing the largest growth across the country.  Not only are the number of sales increasing, but the appreciation rate of luxury homes is outpacing lesser expensive homes as well.  If this is your market, I think that I have the best jumbo loan programs out there with a fixed rate options from 2.875% to 3.875% for loans above $417,000.