“Nothing in the upper world can compare with the luxury of this nether realm of the sea, with its colors, its atmosphere of mystery, of poise, and tranquility.”
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It is the dream of every entrepreneur to have their businesses proliferate. After all, they have worked hard and done everything right. Success should be just around the corner. From the CBD retailer answering questions like, “Does CBD oil help PTSD,” to the bakery owner making sure things get out of the oven on time […]
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“Don’t let your emotions outweigh your intelligence.” ~Unknown
I jump to ridiculous conclusions when I’m emotional, and I’m like anyone else in that sometimes they get the best of me. And it’s pretty damn embarrassing in those moments, especially if …
The post 6 Emotions That Can Cloud Our Judgment and How to Make Better Decisions appeared first on Tiny Buddha.
Let’s look at the facts: the average college student leaves school with $30,000 in debt (according to U.S. News), the unemployment rate increased to 7.2% (up from 4.7%) for 2020 college grads (CBS News), and on average, tuition costs inflate by 8% every year (FinAid). So I wouldn’t blame you for wondering — whether you’re […]
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George Clooney is an American actor and filmmaker who made his acting debut in 1978. He is known for his roles in the ‘Ocean’s’ movie series. Clooney is also an on-going activist and public advocate for a number of movements. Check out these inspirational George Clooney quotes on life, success and motivation as an actor! […]
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Lionel Messi is an Argentinian football player and is considered one of the greatest football players in the world; who was selected to play for ‘Barcelona’ for almost all of his career. In 2021 he joined ‘Paris Saint-Germain’ in which he signed a two-year deal. Check out these inspirational Lionel Messi quotes on life, success […]
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Idris Elba is an English actor, producer, and musician who is best known for his lead roles in the tv shows ‘Luther’ and ‘The Wire’. Idris Elba has also played roles in the movie series ‘Thor’ and played a role in the prequel for the ‘Alien’ movies; ‘Prometheus’. Check out these inspirational Idris Elba quotes […]
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“Better to do something imperfectly than to do nothing flawlessly.” ~Robert H. Schuller
Here’s a confession: I’ve wanted to be a writer since I was thirteen years old when I first discovered the magic of words.
Here’s another: It …
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Mortgage rates have moved to their highest level in more than a year, and that may have potential homebuyers nervous that their affordability window is closing faster than expected. Home prices are still gaining, and winter is historically the slowest season for the housing market, but mortgage demand from buyers moved higher.
Last week purchase loan application volume rose 2% compared with the previous week, according to the Mortgage Bankers Association’s seasonally adjusted index. This jibes with anecdotal comments from real estate agents that they are seeing higher-than-normal early January demand. Applications were still 17% lower than the same week one year ago, but some of that is due to much lower supply in the market. Supply usually increases in December, but it did not last month.
This, as the average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($647,200 or less) increased to 3.52% from 3.33%, with points decreasing to 0.45 from 0.48 (including the origination fee) for loans with a 20% down payment. That is the highest rate since March 2020. It was 64 basis points lower the same week one year ago.
An “Open House” sign is displayed in the front yard of a home for sale in Columbus, Ohio.
Ty Wright | Bloomberg via Getty Images
“Mortgage rates increased significantly across all loan types last week as the Federal Reserve’s signaling of tighter policy ahead pushed U.S. Treasury yields higher,” said Joel Kan, an MBA economist. “The housing market started 2022 on a strong note. Both conventional and government purchase applications showed increases, with FHA purchase applications increasing almost 9%, and VA applications increasing more than 5%.”
FHA and VA loans are low and no down payment options often used by first-time buyers.
Applications to refinance a home loan fell 0.1% from the previous week and were 50% lower than the same week one year ago. Refinance volume is now at the lowest level in more than a month. As mortgage rates rise, fewer and fewer borrowers can benefit from a refinance.
Mortgage rates rose sharply on Monday of this week, according to Mortgage News Daily, but settled back slightly on Tuesday.
“The big question now is whether the worst is now over for this abrupt move toward higher rates. The answer is a definitive ‘maybe!’ It might even be ‘probably,'” wrote Matthew Graham, chief operating officer at Mortgage News Daily. “Unfortunately, that doesn’t mean rates can’t go higher, simply that the pace may be moderating from here.”