Mortgage Market Guide: November Job Growth Revved Higher
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Mortgage Market Guide: November Job Growth Revved Higher
In This Issue... ![]() |
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Last Week in Review: Job growth in November came in far above expectations. How did the markets and home loan rates react? Forecast for the Week: The second half of the week heats up with news on wholesale inflation, jobless claims, consumer spending and consumer sentiment. View: Find out why HARD Goals can be the secret to getting from where you are to where you want to be. |
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Last Week in Review ![]() |
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"Start me up." The Rolling Stones. The labor sector has kicked into high gear, with job growth in November far exceeding expectations. Even though the strong Jobs Report caused volatility in the markets, home loan rates remain near some of their best levels of the year, and now is a great time to consider a home purchase or refinance. Let me know if I can answer any questions at all for you or your clients. |
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Forecast for the Week ![]() |
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Economic reports don't begin until Thursday, with the end of the week bringing key reports.
Remember: Weak economic news normally causes money to flow out of Stocks and into Bonds, helping Bonds and home loan rates improve, while strong economic news normally has the opposite result. The chart below shows Mortgage Backed Securities (MBS), which are the type of Bond on which home loan rates are based. When you see these Bond prices moving higher, it means home loan rates are improving—and when they are moving lower, home loan rates are getting worse. To go one step further—a red "candle" means that MBS worsened during the day, while a green "candle" means MBS improved during the day. Depending on how dramatic the changes were on any given day, this can cause rate changes throughout the day, as well as on the rate sheets we start with each morning. As you can see in the chart below, Mortgage Bonds declined in recent days but home loan rates remain near 18-month lows. Chart: Fannie Mae 3.5% Mortgage Bond (Friday December 5, 2014) |
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The Mortgage Market Guide View... ![]() |
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Are Your Goals Too Easy?Mark Murphy, author of "HARD Goals: The Secret to Getting from Where You Are to Where You Want to Be," says getting from where you are to where you want to be in your career, business and life is more about attempting a difficult target—even if you miss—than attempting an easy target and succeeding."An appropriately difficult goal is going to require you to learn," Murphy says. "It's going to stretch your brain, excite some neurons, amp you up and awaken your senses."Murphy's leadership training consultancy studied nearly 5,000 workers across a wide field of businesses, and what he discovered is that HARD Goals engage the brain in a way that is totally different from the goals most people set. What's a HARD Goal? The acronym stands for:
According to Murphy's research, people with HARD Goals are up to 75 percent more fulfilled than people with easy ones. But how can you know if the goal you've set is too hard—or too easy? Take each of your goals and measure them against your comfort zone. You will notice there are five possibilities:
While No. 1 Goals are probably only items on your daily to-do list, and No. 5 Goals are probably those you aren't meant to achieve, it's the No. 4 Goals you should pay the most attention to. Goals that take you into uncharted territory but don't leave you paralyzed by anxiety are the ones that will give you the most challenge and satisfaction. Try this simple analysis of your goals and see! Please feel free to pass these great goal-setting tips along to your team, clients and colleagues! Source: SUCCESS Magazine, Amazon.com Economic Calendar for the Week of December 8 - December 12 ![]() |
Questions, Comments or For more information you can email Christian Penner at TheMortgageTeam@ChristianPenner.com or visit us online at www.ChristianPenner.com or you can call us directly at: 561-316-6800
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Mortgage Market Guide: November Job Growth Revved Higher
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Mortgage Market Guide: November Job Growth Revved Higher
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