I see the world through three decades of numerical analysis. Yeah I’m nerdy like that. Consequently, I’m a huge sucker for a great deal. So I can completely understand the…

I’ve spent the last few weeks surrounded by teenagers. Man do they talk a lot.  The nonstop nonsensical chatter called to my remembrance many, many class periods I spent sitting…

While it’s so entertaining to blather on and on about the double talk and deception in the Middle East conflict (they say that all’s fair in love and war, right),…

I do a LOT of Utah Housing loans, so i was pretty excited to see the announcement this morning that they will now fund 2-3 unit properties WITH ZERO DOWN.…

The markets responded positively to calmer conditions in the Middle East this week, with the S&P reaching a new all-time-high on Wednesday.  The cease fire held until yesterday when the…

Now that the DOJ has dropped its criminal investigation of the remodel cost overruns on the Federal Reserve’s HQ, Jerome Powell is preparing is to say “peace out”. Next week’s…

These last few weeks, the drumbeat of incoming economic data has become inconsequential, having been eclipsed by the deluge of nail biting soundbites from the Middle-East. The sudden scarcity of…

The stock market is about to close on its fifth straight week of losses as investors grow increasingly concerned about the impact that the conflict in the Middle East will…

The Fed met this week and voted to keep their overnight interest rates unchanged. Sounds just peachy, right? After all, mortgage rates were in the 5’s and that’s palatable. But…

War is never pretty; it’s a gut wrenching byproduct of differing ideologies and unbridled self-interest. The U.S. bombed Iran and now they’re retaliating like a cowardly bully by bombing their…

This morning the US 10 Year Treasury Note yield has slipped convincingly below 4.0% for the first time since last October.  The 10 year has quickly shed 0.3% in the last two…

I attended an economic symposium yesterday where the speaker was an economist for the Federal Reserve.  Admittedly, and somewhat embarrassingly, I was a little starstruck.  I was fascinated to see this guy elaborate…

Slumping Retail Sales, which were expected to increase 0.4% and instead dead flat, are helping boost mortgage bond pricing today. Retail Sales is now -0.4% year over year.  Remember that…

Kind of a big week for data with the BLS Jobs on Wednesday and CPI on Friday,  We're expecting the Unemployment Rate to stay at 4.4% and CPI to drop…

The monthly JOLTS report was not released this morning because nobody in the BLS is allowed to do any work. So that data along with the monthly Jobs Report that's…