The Federal Reserve cut rates by 0.50% on Sept. 18 and mortgage rates and bond yields headed higher. But, we have to remember that mortgage rates had already made an almost 2% move lower since the highs of 2023 without rate cuts, as the bond market always gets ahead of the Fed. Since the Fed rate cut, we’ve also seen significant economic data lines beat estimates: housing starts, retail sales,...

Vetted by HousingWire  |  Our editors independently review the products we recommend. When you buy through our links, we may earn a commission. Whether you’re looking to launch a new career or renew your NMLS license before the end of the year, we’re here to help. In this article, we’ll give you some background, show you how to get your NMLS license, introduce our favorite NMLS licensing and CE...

Find out when to prune spirea, depending on bloom time, and get tips for pruning these shrubs properly. Marty Baldwin Spirea is a group of hardworking flowering shrubs that grow with gusto in all kinds of conditions. With all that growth, these plants benefit from an annual trim, but when to prune spirea? It depends on when your spirea blooms. And how to prune it depends on how overgrown your...

Autumn leaves make a valuable soil amendment, but they have lots of other uses too. Victoria Pearson Bagging fallen leaves in autumn and throwing them in the trash creates a lot of unnecessary waste, but it also channels energy away from your garden that could be used to make your plants grow better. Packed with carbon and other nutrients, chopped fall leaves make a valuable mulch and compost...

Find decor for as low as $5. Better Homes & Gardens / Reese Herrington If you haven’t decorated for Halloween yet, what are you waiting for? Now that it’s October, you can officially put up your indoor and outdoor decor without worrying that it’s too soon.If your reasoning, however, is that you simply need to buy some new decor, we have you covered. Scrolling through Target’s Hyde...

Bring less-than-crunchy carrots back to life with this trick from a Whole Foods’ produce expert. Getty Images / SimpleImages Whether you celebrate them in Carrot Cake or Air-Fried Balsamic Carrots or sneak them into your menu via Copycat Chicken Gnocchi Soup or Veggie-Turkey Burgers, carrots are a supermarket staple for many Americans year-round. Hey, even if you just use them as a vehicle for...

Gorgeous candle lanterns, throw pillow covers, and more from just $7. Amazon The modern farmhouse aesthetic is a design trend that has grown in popularity in recent years—it incorporates neutral colors, natural elements, and rustic textures that give a cozy and polished feel to any home. With the fall season in full swing, there’s no better time than now to decorate with fall decor, and if you...

Labor over Inflation has been the theme for mortgage rates to go lower in 2024, with the understanding that as soon as the labor market softens, the 10-year yield should head lower, which it has. However, it works both ways. Recently, I’ve written that mortgage rates may have bottomed for 2024 because they got toward the low-end range of my 2024 forecast, and unless the labor market gets much weaker,...

Shareholders at eXp World Holdings, the parent company of eXp Realty, are unhappy about the recent spate of lawsuits and media coverage the firm has received regarding allegations of sexual assault and harassment. On Wednesday, the Los Angeles City Employees’ Retirement System (LACERS) and the Building Trades Pension Fund of Western Pennsylvania sued Glenn Sanford, Jason Gesing and five other board...

Federal Housing Administration (FHA) Commissioner Julia Gordon and David Berenbaum, deputy assistant secretary for the Office of Housing Counseling at the U.S. Department of Housing and Urban Development (HUD), returned to this year’s National Reverse Mortgage Lenders Association (NRMLA) Annual Meeting and Expo in San Diego. Both leaders were in a reflective state of mind. They looked back at what has...