I can't believe it's already January 3rd.....

A Dose of Wisdom

"Do not squander time, for that is the stuff life is made of."– Benjamin Franklin

The First "Hit"

"It seems like yesterday that it was January 1st and we were starting the new year!!! MY how time flies"!!! You KNOW you will saying that VERY thing come March.......

Holidays are great for a lot of things, not the least of which is recharging. While I am a big believer in BALANCE and turning things OFF from time to time to focus on the things that are REALLY important, there is something to be said for leaving the trickle charger running on business during those OFF times. It makes starting things up once you jump back in the saddle a little easier.

When you are starting something new, there is no time to shut things off as you try and grasp the things where the efforts of your group have been burdened in the past, with the intent of unburdening them with those things in the future.

Sorry.....I couldn't resist.........

January 2025 #3Points with UWM and CEO, Mat Ishbia

• Higher loan sizes and rising inventory
• What will the Trump administration look like
• Mortgage broker market share

Total mortgage applications fall 21.9% in the last two weeks of 2024 - You could feel it......

The two big housing market trends to watch in 2025

Controlled Market Substance

10 Year Yield - Futures are UP at the moment. I wouldn't call them strong, but at least they are pointing in the right direction. At the moment. We will get ISM Manufacturing PMI numbers this morning....another inflation read.

AT THE MOMENT, the market not expecting a whole lot in the way of rate cuts throughout the year. I am betting that will change. So much so, I debated even posting this. It MIGHT be correct for the January meeting, but everything after that is a shot in the dark.

Have a GREAT DAY!!!!!!