Recently the National Association of Home Builders (NAHB) released a study, based on census data, showing an increasing percentage of young adults, about a third of those in the Millennial generation, living with parents, other relatives, or with unrelated house- or roommates. A second part of that study looks at the correlating rates of homeownership and where both those sharing living quarters and those aged 24 to 35 who have moved out on their own tend to be located. NAHB's Natalia Siniavskaia says only 40 percent of those in that age group led their own households in 2016, the last year for which data is available, compared to 46 percent in both 1990 and 2000. As she pointed out in her previous post in NAHB's Eye on Housing blog, the percentage of young adults living with others remained

July 6, 2018 Download our Mobile App: Download our Mobile App: Housing News Headship Rates Indicate 2.4M Missing Millennial Households Recently the National Association of Home Builders (NAHB) released a study, based on census data, showing an increasing percentage of young adults, about a third of those in the Millennial generation, living with parents, other relatives, or with unr... (read more) Rob Chrisman State-level Investor Changes - Lending Law Tweaks; Economics Moving Rates Everyone needs some learnin’, and LOs and underwriters are very interested in income, education, and trends. The US Census Bureau tells us that since the mid-1900s, postsecondary enrollment has increased during recessionary periods when the sta... (read more) MBS Commentary MBS Live Day Ahead: Jobs Report Versus Tariff Reaction As investors have sought a safe haven from trade-related risks, bonds have benefited more than they otherwise might have and stocks have been restrained.  The trick is that a trade war isn't a thing that hits markets quickly and decisivel... (read more) Housing News Can A.I. Fix Income Calcs For Mortgages? Funny You Should Ask Fannie Mae's Lender Sentiment Survey has foreshadowed the growing attention to automating the loan approval process. That survey underlined the extent to which lenders are viewing increased efficiency as key to reversing their declining profitability... (read more) Mortgage Rate Watch Rates Staying Sideways Ahead of Big-Ticket Events Mortgage rates were sideways to slightly higher today as financial markets returned for the final 2 days of the holiday-shortened week. Trade war anxiety is front and center for both stocks and bonds (which dictate rates). Fear of negative economic f... (read more) MBS Commentary MBS Live Day Ahead: Back From Break, Bonds Still Waiting For a Breakout Heading into the day and a half holiday break, bonds had been consolidating in a narrower range centered on 2.85% in terms of 10yr yields.  Now, as bonds return to finish out the week, they're consolidating in a narrower range centered on 2.85! ... (read more) Mortgage Rates 30 Yr. Fixed Rate 6.77% -0.01% Rate Change Points Mortgage News Daily 30 Yr. Fixed 6.77% -0.01 0.00 15 Yr. Fixed 6.03% -0.01 0.00 30 Yr. FHA 6.35% 0.00 0.00 30 Yr. Jumbo 6.90% 0.00 0.00 7/6 SOFR ARM 6.25% +0.01 0.00 30 Yr. VA 6.36% 0.00 0.00 Updates Daily - Last Update: 7/22 15 Yr. Fixed Rate 6.03% -0.01% Rate Change Points Freddie Mac 30 Yr. Fixed 6.75% +0.03 0.00 15 Yr. Fixed 5.92% +0.06 0.00 Updates Weekly - Last Update: 7/17 Rate Change Points Mortgage Bankers Assoc. 30 Yr. Fixed 6.82% +0.05 0.62 15 Yr. Fixed 6.11% +0.07 0.66 30 Yr. Jumbo 6.81% +0.12 0.39 Updates Weekly - Last Update: 7/16 MBS / Treasuries UMBS 30YR 5.5 99.50 -0.01 Price / Yield Change MBS UMBS 5.5 99.49 -0.02 UMBS 6.0 101.35 -0.04 GNMA 5.5 99.72 -0.06 GNMA 6.0 101.28 -0.05 Pricing as of: 7/23 8:42AM EST 10 Year US Treasury 4.3574 +0.0114 Price / Yield Change US Treasury 2 YR Treasury 3.846 +0.017 5 YR Treasury 3.899 +0.014 7 YR Treasury 4.112 +0.014 10 YR Treasury 4.360 +0.014 30 YR Treasury 4.929 +0.012 Pricing as of: 7/23 8:42AM EST Latest Video China strikes back at US tariffs and companies are worried Let people make more money before the Fed lowers the boom, says Jim Cramer Countdown to the June jobs report Around the Web CNBC San Francisco house prices explode in the first half of 2018 as tech boom shows no signs of slowing Brookings Institution Hutchins Roundup: Low term spreads, rising markups, and more Calculated Risk Blog Las Vegas Real Estate in June: Sales Down 4% YoY, Inventory down 11% CNBC Big oil is sowing the seeds for a 'super-spike' in crude prices above $150, Bernstein warns Federal Reserve Agencies issue statement regarding the impact of the Economic Growth, Regulatory Relief, and Consumer Protection Act Freddie Mac With New Policy, ACIS Loss Coverage Reaches $10 Billion NAHB Eye on Housing Females Enter the Labor Force in June Bloomberg Russia Slaps Import Duties on Some US Goods in Tariffs Fight Calculated Risk Blog Comments on June Employment Report Bloomberg US Trade Deficit Narrows to Smallest Since 2016 on Soybean Exports CNBC Trade deficit drops to 1-year low in May CNBC Nonfarm payrolls increase by 213,000 in June vs. 195,000 estimate Reuters U.S. job growth seen strong in June, wages picking up

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