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chrismancommentary
Dec 20, 2024
The Week Before Christmas: Mortgage Edition
'Twas the week before Christmas when all through the States, The market was slower, buyers wary of rates. Santa Powell made an...
chrismancommentary
Dec 19, 2024
The Improbability of GSEs Exiting Conservatorship: A Structural and Political Analysis
The prospect of Fannie Mae and Freddie Mac (the GSEs) being released from U.S. government conservatorship and restored to their former...
chrismancommentary
Dec 10, 2024
In Volatile Times of Transition, the MSR Market Seeks to Both Safeguard Shareholder Value and Unlock its Potential
Hedging in the MSR Market: A Deep Dive into Strategies, Risks, and Emerging Best Practices The current landscape of the mortgage...
chrismancommentary
Nov 21, 2024
Impacts of Trade, Policy, and Inflation on Mortgage Rates and the Housing Industry
The economic aftershocks of the COVID-19 pandemic, which have shaped both domestic and global markets over recent years, are gradually...
chrismancommentary
Nov 20, 2024
The President of the United States Doesn’t Set Rates
But policies impact them. Although the general population may not grasp that fact, those in our industry know better, or should. While...
chrismancommentary
Nov 15, 2024
MBS Settlements and Dollar Rolls
In the world of MBS, Class A and Class B dollar rolls happened this week. Class A, B, and C MBS (mortgage-backed securities) refer to the...
chrismancommentary
Nov 12, 2024
The Election is Over, the Die Has Been Cast
Neither candidate for president discussed the dire deficits facing the United States, nor did either talk about a reduction in spending....
chrismancommentary
Sep 23, 2024
Why Mortgage Rates Didn’t Fall After the Fed’s Rate Cut
Why didn't we see mortgage rates fall after the Fed cut rates last week? Simply put, preemptive pricing left little room for movement in...
chrismancommentary
Aug 8, 2024
Margin Leakage in a Market Rally
As I write my first (and hopefully not my last)  column for Rob and Robbie, the CME Group’s FedWatch is giving a 57.5% chance of a 50-bps...
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