The share of adults who told the National Association of Home Builders (NAHB) they were considering a home purchase in the next year has now fallen year-over-year for the fifth consecutive time. NAHB's survey for its fourth quarter 2019 Housing Trends Report found only 11 percent of its respondents had such plans, a 2-percentage point drop from the survey a year earlier and less than half the share in the fourth quarter of 2017. Rose Quint, writing in NAHB's Eye on Housing blog blamed the steady decline in planned participation on the persistent low levels of housing inventory. Offsetting this discouraging news however is data on both the ages of those who are planning on buying and their current homeownership status. Nineteen percent of Millennials (those born between 1981 and 1996) said they

January 21, 2020 Download our Mobile App: Download our Mobile App: Housing News Gen Z and Millennials Plan on Buying Homes in Larger Numbers The share of adults who told the National Association of Home Builders (NAHB) they were considering a home purchase in the next year has now fallen year-over-year for the fifth consecutive time. NAHB's survey for its fourth quarter 2019 Housing Trend... (read more) MBS Commentary MBS Live Week Ahead: Light Data Week Leaves Focus Overseas In addition to being a 4-day trading week due to yesterday's holiday, there's also a general lack of big-ticket economic data on tap.  In fact, there isn't a single report that qualifies as "top-tier" in terms of market movement potential and th... (read more) Rob Chrisman Non-QM, Digital Tools; Population Shifts in Lending; Capital Markets Everyone is aging, right? “I finally did it! I bought a new pair of shoes with memory foam insoles. No more forgetting why I walked into the kitchen!” People change, populations change, and loan officers must adapt. economists have revise... (read more) Mortgage Rate Watch Mortgage Rates Off Recent Lows Mortgage rates moved slightly higher over the past two days as strong economic data and corporate earnings coaxed investors into riskier assets like stocks. Bonds (which dictate interest rates) are always being bought and sold, but demand varies depe... (read more) Housing News December's Housing Starts Surged to 13-Year High While permits fell from the previous month, the U.S. Census Bureau and the Department of Housing and Urban Development said December was another exceptional month for residential housing starts. Those starts soared to a seasonally adjusted annual rat... (read more) Housing News Home Builders Confidence Remains Near 20-Year High The National Association of Home Builders (NAHB)/Wells Fargo Housing Market Index (HMI) settled back a bit after its 5-point surge in December took it to its highest level since 1999. The Index, a measure of builder confidence in the market for newly... (read more) Mortgage Rates 30 Yr. Fixed Rate 6.67% +0.00% Rate Change Points Mortgage News Daily 30 Yr. Fixed 6.67% 0.00 0.00 15 Yr. Fixed 5.91% 0.00 0.00 30 Yr. FHA 6.19% -0.01 0.00 30 Yr. Jumbo 6.80% 0.00 0.00 7/6 SOFR ARM 6.29% -0.04 0.00 30 Yr. VA 6.20% -0.02 0.00 Updates Daily - Last Update: 7/1 15 Yr. Fixed Rate 5.91% +0.00% Rate Change Points Freddie Mac 30 Yr. Fixed 6.77% -0.04 0.00 15 Yr. Fixed 5.89% -0.07 0.00 Updates Weekly - Last Update: 6/26 Rate Change Points Mortgage Bankers Assoc. 30 Yr. Fixed 6.88% +0.04 0.63 15 Yr. Fixed 6.11% -0.03 0.74 30 Yr. Jumbo 6.88% +0.07 0.60 Updates Weekly - Last Update: 6/25 MBS / Treasuries UMBS 30YR 5.5 99.91 -0.01 Price / Yield Change MBS UMBS 5.5 99.91 -0.01 UMBS 6.0 101.58 0.00 GNMA 5.5 100.07 +0.01 GNMA 6.0 101.43 +0.02 Pricing as of: 7/1 10:41PM EST 10 Year US Treasury 4.2446 +0.0054 Price / Yield Change US Treasury 2 YR Treasury 3.772 -0.004 5 YR Treasury 3.835 -0.004 7 YR Treasury 4.017 +0.005 10 YR Treasury 4.244 +0.005 30 YR Treasury 4.768 +0.001 Pricing as of: 7/1 10:41PM EST Latest Video David Rubenstein: US-China won't have the same economic tensions they had b... Trump says in Davos speech that he 'could get used to' negative interest ra... Economic growth will hit 3% in 2020, says Trump economic advisor Larry Kudl... I'd like to see Fed cut one more time: Economist Around the Web Reuters Wall St. pulls back from records on worries about virus outbreak and global growth CNBC Housing market falling short by nearly 4 million homes as demand grows Calculated Risk Blog Revisiting: Has Housing Market Activity Peaked? CNBC Trump again pushes negative interest rates, but Kudlow says they don't work NAHB Eye on Housing Custom Home Building Annual Share NAHB Eye on Housing Share of First-Time Home Buyers Rises Significantly in the Final Quarter of 2019 Calculated Risk Blog Retired Workers and the Overall Labor Force Participation Rate Reuters China virus sends chill through markets as risks rise CNBC Mnuchin tells WSJ that phase 2 of China trade deal may not remove all tariffs Reuters Central banks join forces to look at future digital currencies CNBC White House top economic advisor Larry Kudlow says economic growth will top 3% this year Reuters Wall Street hits new highs in strongest week since August CNBC Treasury brings back the 20-year bond to pay for the ballooning deficit

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