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# Freedom Lending

The Midwest's Premier Mortgage Lender

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## Posts

- [Trade Negotiations - August 2018 Edition](https://www.freedomlending.com/trade-negotiations-august-2018-edition/) - While there was some major economic data released this week, there were no significant surprises, and its impact on mortgage rates was minor. By contrast, news on trade deals caused a negative reaction, and mortgage rates ended a little higher. The Trump administration long ago expressed an intention to end the NAFTA trade agreement which
- [Rates Inch Higher - September 2018 Edition](https://www.freedomlending.com/rates-inch-higher-september-2018-edition/) - Although this week's major U.S. economic data and European Central Bank meeting contained more good news than bad for mortgage rates overall, rates ended slightly higher. The most recent inflation data came in at lower than expected levels. The Consumer Price Index (CPI), a widely followed monthly inflation report that looks at the price change
- [Retail Sales Fall Short - May 2019 Edition](https://www.freedomlending.com/retail-sales-fall-short-may-2019-edition/) - Weaker than expected economic data was modestly positive for mortgage rates this week. Headlines about the trade negotiations between the U.S. and China caused some volatility but had little net effect. The latest figures released this week on retail sales for April were a good deal weaker than expected with a small decline from March.
- [Home Loans and Home Mortgages in Iowa, and Nebraska](https://www.freedomlending.com/home-loans-home-mortgages-iowa-nebraska/) - How do I take a home loan? Home Loan in Colorado: You wish to buy a house in Colorado, Denver, Iowa, Omaha or Nebraska and your only option is to take a home loan. You don't know what to choose: a mortgage or real estate loan? To help you understand more easily, we offer you
- [FHA Loan for Nebraska & Iowa](https://www.freedomlending.com/fha-loan-iowa/) - FHA loan helps first time home buyers We all know how difficult it can be to buy your first home. If you are a first time home buyer looking to buy property in Colorado, Denver, Iowa, Omaha or Nebraska you need find out if you qualify for a FHA loan. An FHA mortgage is insured
- [MGIC Economic Report](https://www.freedomlending.com/mgic-economic-report/) - Following are some key highlights from the January Economic report: - The U.S. economy is healthy and continues to growth at a steady pace. - For the most part, the economy is not currently showing signs of overheating. - Payrolls continue to expand at a steady rate as the unemployment rate remains under 5%. -
- [ECB Spooks Investors - May 2018 Edition](https://www.freedomlending.com/ecb-spooks-investors-may-2018-edition/) - The market moving economic news this week again was viewed as negative for mortgage rates. This time the source was the European Central Bank (ECB). The U.S. economic data mostly came in on target and caused little reaction. Mortgage rates reached the highest levels in seven years. On Monday, a speech from a top ECB
- [Italy and U.S. Job Gains - June 2018 Edition](https://www.freedomlending.com/italy-and-u-s-job-gains-june-2018-edition/) - News from Italy was positive for mortgage rates this week. However, this was partially offset by stronger than expected U.S. labor market data. Mortgage rates ended the week a little lower. Italy has one of the largest economies in the European Union (EU). In recent years, Italy's economic growth has been below the average for
- [Housing Data](https://www.freedomlending.com/housing-data-june-2018/) - After last week's packed economic calendar, this week there was virtually no significant news except for some housing market data. It was an extremely quiet week, and mortgage rates ended almost unchanged. In May, sales of previously owned homes decreased slightly from April, and they were 3% lower than a year ago. The inventory of
- [Quiet Week](https://www.freedomlending.com/quiet-week/) - This week was one of the quietest of the year. The major economic data generally matched the expected levels, and mortgage rates ended nearly unchanged. The most significant economic data released this week was the inflation data. The Consumer Price Index (CPI), the most closely watched monthly inflation report, looks at the price change for
- [No Surprises](https://www.freedomlending.com/no-surprises/) - While there was major economic data released this week and a Fed meeting, there were no significant surprises. Mortgage rates ended the week a little higher. Friday's key Employment report came in pretty much right on target across the board. Against a consensus forecast of 190,000, the economy gained 157,000 jobs in July. However, upward
- [Multi-Year Highs - September 2018 Edition](https://www.freedomlending.com/multi-year-highs-september-2018-edition/) - A rally in the stock market drew assets away from bonds this week, which was negative for mortgage rates, while the economic data released this week caused little reaction. As a result, mortgage rates rose, reaching the highest levels in several years. Current economic conditions provide many reasons for improving levels of home sales. These
- [October 2018 Edition - Strong Data](https://www.freedomlending.com/october-2018-edition-strong-data/) - Since it raises the outlook for future inflation, the stronger than expected economic data released this week was bad news for mortgage rates, and rates reached their highest levels in many years. The biggest surprise in the data released this week came from Wednesday's report on the services sector of the economy. The ISM national
- [Retail Sales Dive - February 2019 Edition](https://www.freedomlending.com/retail-sales-dive-february-2019-edition/) - Weaker than expected retail sales data was offset by progress on a government funding agreement this week, and mortgage rates ended nearly unchanged. Consumer spending accounts for about 70% of all economic activity in the U.S., so the retail sales data is a key indicator of growth. The report for the important holiday shopping period
- [Favorable ECB Meeting -  March 2019 Edition](https://www.freedomlending.com/favorable-ecb-meeting-march-2019-edition/) - A dovish message from the European Central Bank was favorable for mortgage rates this week, while the major U.S. economic data had little net impact, and rates ended the week lower. In recent weeks, there have been substantial downgrades to the growth forecast for Europe from a wide range of sources. With this in mind
- [Steady Inflation -  March 2019 Edition](https://www.freedomlending.com/steady-inflation-march-2019-edition/) - It was a light week for economic news with few surprises, and mortgage rates ended nearly unchanged. One big reason that mortgage rates have improved in recent weeks, and that the Fed has shifted toward looser monetary policy, is that inflation has held steady. Despite a very tight labor market by historical standards, wage growth
- [GDP Jumps - April 2019 Edition](https://www.freedomlending.com/gdp-jumps-april-2019-edition/) - The big news this week was Friday's GDP report, and it was favorable for mortgage rates. As a result, rates ended a little lower, ahead of several major economic releases next week. While the headline figure for first quarter GDP, the broadest measure of economic growth, was much stronger than expected, mortgage rates declined after
- [Focus on Trade Talks  - May 2019 Edition](https://www.freedomlending.com/focus-on-trade-talks-may-2019-edition/) - The two main influences on mortgage rates this week, a lack of progress in the trade talks and weak inflation data, both were modestly positive for mortgage rates. As a result, rates ended a little lower. Last week, senior administration officials suggested that a trade deal between the U.S. and China could be close, so
- [Appreciation is Over 13%: Home Values are Going Up](https://www.freedomlending.com/appreciation-13/) - Welcome back to double-digit appreciation rates. And its not a fad. Home Prices have now logged 20 straight months of gains in home values. The S&P Case-Shiller 20-city home price index climbed 1.05% month-over-month in October. On a year-over-year basis, home prices were up 13.61%.This was the biggest gain since February 2006. "Home prices increased
- [Mortgage Brokers and Mortgage Companies in Iowa, and Nebraska](https://www.freedomlending.com/mortgage-brokers-mortgage-companies-iowa-nebraska/) - Why should we call on mortgage brokers? Mortgage Brokers: First of all let’s see what mortgage brokers are. They are independent bank companies or other non-banking financial institutions, like those from Colorado, Denver, Iowa, Omaha and Nebraska, that mediate loans. They are therefore intermediaries between customers and banks. Basically, brokers offer advice, handle the necessary
- [Best Mortgage in Iowa, and Omaha Nebraska](https://www.freedomlending.com/best-mortgage-iowa-omaha-nebraska/) - Best mortgage with or without bad credit Deciding which home loan agents can help you get the best mortgage is almost as important as deciding which house to buy. When you want to buy property in the Midwest, be it Colorado, Denver, Iowa, Omaha or Nebraska, you will want to secure the best mortgage deal
- [Stocks Fall - October 2018 Edition](https://www.freedomlending.com/stocks-fall-october-2018-edition/) - The big news this week was a major selloff in the stock market, with the Dow down more than 1,000 points. Normally that would be positive for mortgage rates, but this time the impact was minor. Weaker than expected inflation data was mildly positive, and mortgage rates ended slightly lower, but remain near their highest
- [Strong GDP Growth - October 2018 Edition](https://www.freedomlending.com/strong-gdp-growth-october-2018-edition/) - Weakness in the stock market was good for mortgage rates this week, while the major economic data was mixed and had little impact. As a result, mortgage rates ended the week lower. As was the case this week, stock prices and bond prices often move in opposite directions. The simple reason is that most economic
- [PPI Inflation Jumps - November 2018 Edition](https://www.freedomlending.com/ppi-inflation-jumps-november-2018-edition/) - While there was a wide range of economic news, it was a quiet week for mortgage rates. Reaction to the inflation data, the election results, and the Fed meeting was minimal, and mortgage rates ended the week with little change. While higher inflation is negative for mortgage rates, the PPI data is very volatile
- [Small Miss on Job Gains](https://www.freedomlending.com/small-miss-on-job-gains/) - Weaker than expected U.S. labor market data and a reduced outlook for global economic growth were favorable for mortgage rates this week, and rates ended at the lowest levels in about two months. Friday's key labor market report showed continued solid job gains and wage growth, but it was modestly weaker than expected. Against a
- [Fed and Labor Market - February 2019 Edition](https://www.freedomlending.com/fed-and-labor-market-february-2019-edition/) - Major economic events made this a volatile week. Wednesday's Fed meeting was strongly positive for mortgage rates, while Friday's Employment report was modestly negative. The net result was a decline in rates for the week. As expected, the Fed held the federal funds rate steady, but the tone of its statement was more dovish (in
- [Quiet Week February 2019 Edition](https://www.freedomlending.com/quiet-week-february-2019-edition/) - Sandwiched between recent major economic events and several more later in the month, there was little significant economic news this week, and mortgage rates ended slightly lower. Investors were mostly focused on bigger picture economic conditions this week, and their primary questions concerned the outlook for global growth. While the forecast for U.S. gross domestic
- [Home Price Index gains 5.5%](https://www.freedomlending.com/home-price-index-gains-5-5/) - The S&P/Case-Shiller 20-city composite posted that home prices were 5.5% higher than during the same period in the prior year, for the strongest year-over-year growth since August 2006, with increases in 19 of 20 cities. Housing is clearly recovering, with positive trends for new- and existing-home sales. However, prices remain 30% below a bubble peak
- [Another Sign Of Housing Strength - Taking Equity Out Again!](https://www.freedomlending.com/another-sign-of-housing-strength-taking-equity-out-again/) - During the housing boom of the last decade Americans withdrew over $1 trillion in home equity. They did it through cash-out refinances, home equity loans, and home equity lines of credit. The latter allowed them to use their homes like an ATM. They spent the money on cars, televisions, vacations and fancy home upgrades. It
- [Jumbo Loans Availability and Rates Point To Growing Housing Market:](https://www.freedomlending.com/jumbo-loans-availability-and-rates-point-to-growing-housing-market/) - Even as mortgage rates begin to rise, the difference between conforming and jumbo loan rates is shrinking, and that is good news for buyers of higher-priced homes. Conforming loans are largely financed by Fannie Mae and Freddie Mac, and are valued at up to $417,000 - although they can be as high as $625,000 in
- [Pending Home Sales Rise 8.4%](https://www.freedomlending.com/pending-home-sales-rise-8-4/) - The National Association of Realtors reported that their index of Pending Home Sales rose 8.4% from February 2012 and was constrained only by the lack of inventory available for sale. Thinking about buying a home in 2013? This is not the same market where you can take your time and view many different homes. Home
- [Homes Appreciating Faster than Wages:](https://www.freedomlending.com/homes-appreciating-faster-than-wages/) - As we have been reporting for over a year, home prices are rising. That is the good news. The bad news is that wages are not. While historically low mortgage rates are translating into big savings for homeowners, those same low monthly payments are masking a troubling trend. While home values have been on the
- [Pending Home Sales jump 7% from a year ago:](https://www.freedomlending.com/home-sales-up/) - Contracts to buy existing homes rose in March, and would have increased even more it it wasn't for a historically low supply of for-sale listings nationwide. The Pending Home Sales Index from the National Association of Realtors increased 1.5 percent month to month which was better than the 1.0 percent increase that economists expected. It
- [Building Permits Hit 5 Year High](https://www.freedomlending.com/building-permits-hit-5-year-high/) - The Commerce Department said Thursday that applications for building permits rose 14.3 percent to a rate of 1.02 million, the most since June 2008. Builders are benefiting from a sustained rebound in housing that began a year ago. Steady job growth, rock-bottom mortgage rates and rising home values have boosted demand. Housing starts came in
- [“Paid Off” homes point the way to next round of housing demand:](https://www.freedomlending.com/paid-off-homes-point-the-way-to-next-round-of-housing-demand/) - We are all too familiar with the constant media reports that state that approximately one third of home owners are “upside down” or “underwater” on their mortgage. This is when they owe more on their mortgage than what their home is worth. As home prices have been steadily increasing, these people are less “underwater” than
- [With economic growth starting to pick up in 2013, so will mortgage rates](https://www.freedomlending.com/with-economic-growth-starting-to-pick-up-in-2013-so-will-mortgage-rates/) - Home prices are now rising at their fastest pace since 2005. Housing bulls are running again, pointing to rising construction starts, rising home sales and falling mortgage delinquencies.“Low prevailing mortgage rates, the limited supply of existing homes for sale (either due to the few foreclosure completions or the number of underwater borrowers who cannot sell),
- [House Mortgage | Mortgage Lending | Iowa | Nebraska | Omaha](https://www.freedomlending.com/house-mortgage/) - House Mortgage Colorado: The Best 3 Tips to Help You Choose A Mortgage Lender House Mortgage Colorado: If you live in Colorado, Denver, Iowa, Omaha, Nebraska and are looking for mortgage lending company, there are a few things you will have to consider prior to making a final decision. We’ve put together a list of
- [FHA Loan | Home Loan | Iowa | Omaha | Nebraska](https://www.freedomlending.com/fha-loan/) - FHA Loan Colorado: Ways To Benefit From An FHA Loan FHA Loan Colorado: Dating way back to 1934, the FHA loan Denver has a history of helping people buy their homes faster and easier. Also known as the Federal Housing Administration, it focuses its entire attention on three main aspects of the home buying process:
- [Best Mortgage | Nebraska | Iowa | Omaha](https://www.freedomlending.com/best-mortgage-nebraska-iowa-omaha/) - Basics Of The Best Mortgage Loan Best Mortgage Denver: Most people living in the USA have a mortgage, including those living in Colorado, Denver, Iowa, Omaha, Nebraska. Do you? How do you define “best mortgage”? This article introduces you to the concept of mortgage loan and explains its basic concepts. First, you probably know that a
- [Bad Credit | Iowa | Omaha | Nebraska](https://www.freedomlending.com/bad-credit-iowa-omaha-nebraska/) - Bad Credit Colorado: Three Promises Credit Repair Companies Can’t Keep Bad Credit Colorado: Are you looking for bad credit repair? Are you being assaulted by companies promising you the world? Pay attention. In most cases these companies have no idea what they’re promising and… they can’t deliver. Whenever you are looking for credit repair services
- [New housing starts reach the best in over 4 years](https://www.freedomlending.com/new-housing-starts-reach-the-best-in-over-4-years/) - The rebound in U.S. home building accelerated in December, capping the best year for the industry since 2008 and adding to signs that residential real estate is contributing to economic growth. According to Commerce Department data, New Home Starts climbed 12.1 percent last month to a 954,000 annual rate, which exceeded all forecasts of economists. Spurred by record-low mortgage
- [New and Existing Home Sales Jump – Best in Several Years:](https://www.freedomlending.com/new-and-existing-home-sales-jump-best-in-several-years/) - EXISTING HOMES: The National Association of Realtors said that December sales of previously-owned homes were up 12.8% from a year ago. That brought full-year sales to 4.65 million, up 9% from 2011 and the best year for home sales since 2007, when there were 5 million homes sold just before the start of the recession.
- [Home Loan | Iowa | Nebraska | Omaha](https://www.freedomlending.com/home-loan/) - Home Loans and New Home Sales Continue to Increase, Even With Increased Rates Home Loan Colorado and the housing recovery are on a normal trajectory and gradual increases in home loan Denver interest rates won't slow it down, according to Home Builder Lennar CEO Stuart Miller. With home loan Iowa interest rates at historic
- [Home Mortgage Rates | Iowa | Nebraska | Omaha](https://www.freedomlending.com/home-mortgage-rates/) - Home Mortgage Rates 2013 Home mortgage rates Denver and home prices have recently increased, is real estate still a good investment? That is the question that many investors and those looking for home mortgage rates Colorado, clearly wanting to avoid the trap of the last housing bubble. Jonathan Gray, Blackstone's global head of real estate
- [FHA Home Loans | Iowa | Omaha | Nebraska](https://www.freedomlending.com/fha-home-loans/) - FHA Home Loans – A Very Quick Guide An FHA Home Loan in Colorado, a FHA Home Loan in Denver, a FHA Home Loan in Iowa, a FHA Home Loan in Omaha, and FHA Home Loans in Nebraska are valuable assets when you are looking to streamline the process of buying a home. However,
- [Mortgage Company | Mortgage Refinance |](https://www.freedomlending.com/mortgage-company/) - Mortgage Company Colorado Etiquette: The Best Gadgets Every Mortgage Company Denver Should Offer Its Employees Mortgage Company Colorado. Are you a real estate broker (or any kind of broker)? Are you employed in a mortgage company Denver in Colorado, Denver, Iowa, Omaha or Nebraska? Perhaps you were wondering about the best tools you can use
- [Mortgage Rates: Home Prices Push Past Rising Rates](https://www.freedomlending.com/home-prices-push-past-rising-rates/) - Despite rising interest rates, home prices continue to surge higher. The latest read shows values, including distressed properties, up 12.4 percent in July, year over year, according to a monthly CoreLogic report. That's higher than both May and June's annual increases. This is the 17th consecutive month of annual gains for home values nationally. Prices
- [Existing Home Sales Rise to 6 1/2 Year High](https://www.freedomlending.com/existing-home-sales-rise-6-12-year-high/) - The national median existing-home price for all housing types was $199,200 in September, up 11.7 percent from September 2012. This is the 10th consecutive month of double-digit year-over-year increases. Existing Home Sales for September were better than expected according to this morning's report from the National Association of Realtors. Existing Home Sales (homes that have
- [13 Tips to Help Sell Your Home This Winter](https://www.freedomlending.com/13-tips-help-sell-home-winter/) - Fewer Late On Mortgage Payments = Housing Strength: The winter is usually the slowest home selling season. The main focus is on family and the holidays, not on buying a home. Most homeowners take their homes off the market for the winter. Time to hibernate and wait for spring! Or is it? Columnist and Realtor
- [Getting Energy Ready for Winter:](https://www.freedomlending.com/getting-energy-ready-winter/) - When cold weather approaches, use this checklist of simple ways to make your home more comfortable and keep those escalating energy bills at bay. Check for Leaks Weatherstripping and caulking is probably the least expensive, simplest, most effective way to cut down on energy waste in the winter. Improperly sealed homes can waste 10 to
- [Trade Tensions Rise - May 2019 Edition](https://www.freedomlending.com/trade-tensions-rise-may-2019-edition/) - The economic data took a back seat to the news on trade this week. Investors hoping for signs of progress in the negotiations between the U.S. and China were disappointed each day. On top of this, investors were blindsided Friday when the Trump administration shifted its focus and threatened to impose a 5% tariff on
- [New Home Sales Surge](https://www.freedomlending.com/new-home-sales-surge/) - It was a volatile week for mortgage rates with stronger than expected housing data, big news from the Fed, and a postponement of the new fee on refinances. The net effect was roughly offsetting, however, and rates ended the week little changed.The swift rebound in housing market activity from the weakness due to the shutdown
- [Housing Sector Shines](https://www.freedomlending.com/housing-sector-shines/) - Increased expectations for additional government stimulus were modestly negative for mortgage markets this week, while strong housing data had little impact. Rates ended a little higher but remained near record low levels. The spectacular rebound in the housing sector from weakness during the spring due to the partial shutdown of the economy has continued. In
- [Divided Government](https://www.freedomlending.com/divided-government/) - During a week of election uncertainty, mortgage markets held relatively steady, as investors expect that control of the government will remain divided between the Democrats and the Republicans. In addition, the key labor market data came in roughly on target, and the Fed made no policy changes at Thursday's meeting. Mortgage rates remained near record
- [Strong New Home Sales](https://www.freedomlending.com/strong-new-home-sales/) - The short holiday week was a relatively quiet period for mortgage rates. A large batch of economic reports on Wednesday had little impact, and rates remained near record low levels. Sales of new homes continued at a blistering pace in October. The following weakness during the spring due to the partial shutdown of the economy,
- [Job Gains Fall Short](https://www.freedomlending.com/job-gains-fall-short/) - Investors reacted this week to major economic data, Covid headlines, and negotiations in Congress for an additional aid package. Despite the wide range of news, however, it was a relatively quiet week for mortgage markets, and rates remained near record low levels. While the solid rebound from unprecedented job losses caused by the partial shutdown
- [Housing Momentum Continues](https://www.freedomlending.com/housing-momentum-continues/) - Investors reacted this week to major economic data, Covid headlines, and negotiations in Congress for an additional aid package. Despite the wide range of news, however, it was a relatively quiet week for mortgage markets, and rates remained near record low levels. While the solid rebound from unprecedented job losses caused by the partial shutdown
- [Home Sales Remain Strong](https://www.freedomlending.com/home-sales-remain-strong/) - It was a relatively uneventful week for mortgage markets, and rates ended a little lower, a bit above the record low levels seen late in 2020. The spectacular rebound in the housing sector from weakness during the spring due to the partial shutdown of the economy has continued. In December, Existing Home Sales unexpectedly increased
- [Rising Inflation](https://www.freedomlending.com/rising-inflation/) - Mortgage rates have been on an upward path this year, and the trend continued this week. With the rollout of the Covid vaccine and additional government stimulus on the way, most investors expect to see a surge in economic activity. As a result, mortgage rates ended the week at their highest levels in months. Bond
- [Powerful Job Gains](https://www.freedomlending.com/powerful-job-gains/) - Mortgage rates have been on an upward path this year, and stronger than expected economic data caused the trend to continue this week. In addition, Fed officials gave no indication that they intend to attempt to halt the recent rise in yields. As a result, mortgage rates ended the week at their highest levels in
- [Volatile Week](https://www.freedomlending.com/volatile-week/) - It was another rough week for mortgage markets, as investors attempt to determine the appropriate level of yields for the current economic environment. It looked promising Wednesday afternoon when the Fed meeting revealed no policy changes and rates dropped from their peak. However, the climb resumed the next day, and mortgage rates ended the week
- [Impressive Job Gains](https://www.freedomlending.com/impressive-job-gains/) - The important labor market and manufacturing data released this week were much stronger than expected. Despite this, however, mortgage rates ended the week with little change. Friday's highly anticipated monthly Employment report revealed very impressive results. In March, the economy gained 916,000 jobs, far above the consensus forecast of 625,000, and revisions added 156,000 jobs to the results for prior
- [Service Sector Shines](https://www.freedomlending.com/service-sector-shines/) - The growth and inflation data released this week was stronger than expected nearly across the board. Despite this, however, mortgage rates ended the week a little lower. The most significant economic report this week exceeded expectations by a considerable amount. The ISM national services index jumped from 55 to 64, far above the consensus forecast
- [Rising Inflation](https://www.freedomlending.com/rising-inflation-2/) - Despite some major economic news, it was a relatively quiet week for mortgage markets. There were no significant surprises from the inflation data, the GDP report, or the Fed meeting, and mortgage rates ended the week nearly unchanged. The reduced economic activity resulting from the pandemic caused a large decline in inflation last year, which
- [Inflation Jumps](https://www.freedomlending.com/inflation-jumps/) - Much stronger than expected key inflation data was negative for mortgage markets this week, and rates ended higher. The Consumer Price Index (CPI) is a closely watched inflation indicator that looks at price changes for a broad range of goods and services. Core CPI excludes the volatile food and energy components and provides a clearer
- [Pandemic, Fed, and Jobs](https://www.freedomlending.com/pandemic-fed-and-jobs/) - A wide range of major economic news caused an enormous amount of daily volatility this week. However, the various influences were roughly offsetting, and mortgage rates ended with little change. Investors have been trying all week to evaluate how large an impact the spread of the new omicron Covid variant will have on global economic
- [Lower Home Mortgage Rates | Iowa | Nebraska](https://www.freedomlending.com/lower-home-mortgage-rates/) - Lower Home Mortgage Rates : Can You Get One? Lower Home Mortgage Rates Colorado are not too far from our reach. According to the Commerce Department, homeownership in the United States hit a 17-1/2-year low in the second quarter as Americans continue to shift toward renting, underscoring the lingering effects of the recession on the
- [Home Sales Slip - October 2019 Edition](https://www.freedomlending.com/home-sales-slip-october-2019-edition/) - A light batch of economic data caused little reaction this week, and Thursday's European Central Bank meeting also had just a minor impact. As a result, mortgage rates ended the week nearly unchanged. The most significant economic data released this week came from the housing sector. In September, sales of previously owned (existing) homes, which
- [Increased Optimism on Trade - November 2019 Edition](https://www.freedomlending.com/increased-optimism-on-trade-november-2019-edition/) - The trade negotiations with China dominated the economic news this week. Unexpected signs of progress in reaching a deal were unfavorable for mortgage rates. Stronger than expected economic data also was negative, and rates climbed to the highest levels since late July. On Thursday, a Chinese trade official said that both sides have agreed to
- [Trade Talks Face Hurdles - November 2019 Edition](https://www.freedomlending.com/trade-talks-face-hurdles-november-2019-edition/) - The trade negotiations with China were the main influence on mortgage rates again this week, but this time they had a favorable impact. The major economic data came in close to the expected levels and caused little reaction. As a result, rates ended the week lower. Last week, it seemed like the U.S. and China
- [Consumer Spending Surges Again-July 2020](https://www.freedomlending.com/consumer-spending-surges-again-july-2020/) - While the most significant economic data was stronger than expected this week, investors remained more focused on the concerning spread of the coronavirus in many areas. Mortgage rates dropped slightly to fresh record low levels. Due to the shutdown of much of the economy to combat the pandemic, consumer spending dropped sharply in March and
- [Massive Job Gains Continue](https://www.freedomlending.com/massive-job-gains-continue/) - This week's important economic reports modestly surpassedinvestor expectations, and the economic recovery has continued to befaster than anticipated. Despite the strong data, though, mortgagerates dropped slightly to fresh record low levels.Friday's highly anticipated monthly labor market report revealed that the stronger than expected rebound from the unprecedented job losses caused by the partial shutdown of
- [Home Sales Fall](https://www.freedomlending.com/home-sales-fall/) - With little major economic news, it was a quiet week for mortgage markets, and rates ended nearly unchanged. A lack of inventory remained a major obstacle for the housing sector, as April existing home sales unexpectedly fell 3% from March. Despite the modest decline, sales still were 34% higher than a year ago (which is
- [Inflation Climbs](https://www.freedomlending.com/inflation-climbs/)
- [Solid Job Gains](https://www.freedomlending.com/solid-job-gains/) - Friday's highly anticipated monthly labor market report was roughly in line with expectations, and mortgage rates ended the week nearly unchanged. In May, the economy gained 559,000 jobs, a little below the consensus forecast of 650,000. Particular strength was seen in the leisure and hospitality sectors. The unemployment rate fell to 5.8%, slightly below the
- [Inflation Surges](https://www.freedomlending.com/inflation-surges/) - Investors were focused on inflation this week, and the most recent data was stronger than expected. However, soothing comments on the subject from the Fed helped calm investor concerns, and mortgage rates ended the week nearly unchanged. In June, the core Consumer Price Index, a closely watched inflation indicator which excludes the volatile food and
- [GDP Falls Short](https://www.freedomlending.com/gdp-falls-short/) - There was no shortage of major economic news this week, but none caused much reaction. The Fed meeting produced no significant surprises, and the GDP report was roughly neutral overall. Mortgage rates ended the week a little lower. The headline number for second quarter gross domestic product (GDP), the broadest measure of economic activity, showed
- [Retail Sales Drop](https://www.freedomlending.com/retail-sales-drop/) - Despite some significant economic news this week, investors saw little reason to change their outlook for economic growth or future Fed policy. As a result, mortgage rates ended the week nearly flat. Consumer spending accounts for over two-thirds of U.S. economic activity, so the retail sales data is a key indicator of growth. In July,
- [Job Openings Surge](https://www.freedomlending.com/job-openings-surge/) - This week, the European Central Bank announced the expected policy change in its bond purchase program. The other major economic news contained no surprises, and mortgage rates ended the week with little change. As expected, the European Central Bank (ECB) announced at Thursday's meeting that it will reduce its bond purchases, but it did not
- [Retail Sales Jump](https://www.freedomlending.com/retail-sales-jump/) - This week, the two biggest economic reports both contained significant surprises, but in opposite directions. Stronger than expected consumer spending modestly outweighed lower than expected inflation, and mortgage rates ended the week a little higher. Consumer spending accounts for over two-thirds of U.S. economic activity, so the retail sales data is a key indicator of
- [Steady Inflation](https://www.freedomlending.com/steady-inflation/) - There were no significant surprises in the economic data released this week. Inflation held steady from last month and the manufacturing sector remained strong. Mortgage rates ended the week nearly unchanged. The core PCE price index is the inflation indicator favored by the Fed. In August, core PCE was 3.6% higher than a year ago,
- [Strong Consumer Spending](https://www.freedomlending.com/strong-consumer-spending/) - Over the past week, inflation data that overall was a bit weaker than expected offset stronger than expected consumer spending, and mortgage rates ended slightly lower. Economists had anticipated that the end of supplemental unemployment benefits for many people and a lack of inventory for some products would lead to a drop in consumer spending
- [Strong Job Gains - July 2019 Edition](https://www.freedomlending.com/strong-job-gains-july-2019-edition/) - As is common, thin trading conditions helped make the week containing the July Fourth holiday very volatile again. A decline in global bond yields was positive for U.S. mortgage rates early in the week, but stronger than expected job gains had the opposite effect on Friday, and mortgage rates ended with little change. Following weak
- [Rising Inflation - July 2019 Edition](https://www.freedomlending.com/rising-inflation-july-2019-edition/) - Stronger than expected inflation data was unfavorable for mortgage rates this week. Highly anticipated testimony from Fed Chair Powell caused some volatility, but its net effect was small. As a result, rates ended the week higher. In June, the Core Consumer Price Index (CPI), which excludes the volatile food and energy components, rose 0.3% from
- [Focus on Trade - August 2019 Edition](https://www.freedomlending.com/focus-on-trade-august-2019-edition/) - Trade negotiations with China completely dominated the other economic news this week. Mortgage rates dropped to the lowest levels in about three years early in the week, but later reversed direction. After very large swings, rates ended just a little lower. Last Thursday, President Trump announced that the U.S. will impose additional tariffs of 10%
- [Another Volatile Week - August 2019 Edition](https://www.freedomlending.com/another-volatile-week-august-2019-edition/) - Increased concerns about the outlook for global economic growth and about numerous geopolitical events deflated global stock markets and benefited mortgage rates this week. However, the latest news on the trade talks between the U.S. and China mostly offset this, and rates ended another volatile week just marginally lower. Investors face a lot of significant
- [Mixed Data - September 2019 Edition](https://www.freedomlending.com/mixed-data-september-2019-edition/) - There was little change in mortgage rates this week, as investors looked ahead to major central bank meetings later in the month. The economic data released this week contained mixed results, and its net effect was small. A small miss in job gains in Friday's key Employment report was offset by wage gains which modestly
- [Fed Eases - September 2019 Edition](https://www.freedomlending.com/fed-eases-september-2019-edition/) - Wednesday's Fed meeting overshadowed the other economic news this week, but it provided no surprises and had little net effect. Stronger than expected housing data also had just a minor impact, and mortgage rates ended the week a little lower. The Fed cut the federal funds rate by 25 basis points, as expected, and its
- [Economy Slows - October 2019 Edition](https://www.freedomlending.com/economy-slows-october-2019-edition/) - The major economic data released this week was mostly weaker than expected, which reduced the outlook for future inflation. This was positive for mortgage rates, and they ended the week lower. As expected, Friday's key monthly Employment report was consistent with a slower pace of job creation from the very strong levels seen over the
- [Potential Trade Deal - October 2019 Edition](https://www.freedomlending.com/potential-trade-deal-october-2019-edition/) - Increased optimism about a trade deal was negative for mortgage rates this week. The economic data and the news from the Fed had little impact, and mortgage rates ended the week higher. The trade talks between the U.S. and China resumed on Thursday, and comments from officials have suggested that the two sides are close
- [Manufacturing Weakens - January 2020 Edition](https://www.freedomlending.com/manufacturing-weakens-january-2020-edition/) - After dropping more than a full point from the end of October in 2018 to the end of October in 2019, mortgage rates barely changed during November and December. Several factors have affected rates over the past year, including economic data, Fed policy, and the trade negotiations with China. Overall, recent economic data has suggested
- [Focus on New Virus - January 2020 Edition](https://www.freedomlending.com/focus-on-new-virus-january-2020-edition/) - The primary influence on mortgage rates this week came from a very unexpected source. Concerns about a new virus spreading in China had a positive impact on rates, while the reaction to the economic data was small. As a result, rates ended the week a little lower. Last weekend, news stories emerged about the spread
- [Stocks Plunge on Virus Concerns - February 2020 Edition](https://www.freedomlending.com/stocks-plunge-on-virus-concerns-february-2020-edition/) - Concerns about the coronavirus caused a massive shift to less risky assets this week, while the economic data caused little reaction. As a result, the stock market posted enormous losses, and mortgage rates reached the lowest levels in years. The reason that the coronavirus has been positive for mortgage rates is pretty straightforward. People have
- [Historic Week - March 2020 Edition](https://www.freedomlending.com/historic-week-march-2020-edition/) - Once again, the coronavirus dominated financial market news this week and caused nearly unprecedented daily movements. While stocks posted enormous losses, bonds lost some of their appeal as an alternative, and mortgage rates rose roughly one-half percent from recent record low levels. Since the outbreak of the coronavirus, investors generally have reduced risk in their
- [Central Banks Actions Expand - March 2020 Edition](https://www.freedomlending.com/central-banks-actions-expand-march-2020-edition/) - Once again, the coronavirus dominated financial market news this week and caused extraordinary daily movements. For the second straight week, mortgage rates rose roughly one-half percent, meaning that they are now about one percent above the record low levels reached earlier this month. Mortgage rates have increased over the last couple of weeks for two
- [More Monetary and Fiscal Stimulus - March 2020 Edition](https://www.freedomlending.com/more-monetary-and-fiscal-stimulus-march-2020-edition/) - Once again, the coronavirus dominated financial market news this week. Both the Fed and the government are taking unprecedented actions to support the economy. Daily volatility remained extremely high, but the net change in mortgage rates for the week was relatively small. On Monday, the Fed announced that it will purchase bonds "in the amounts
- [Fed Expands Lending Programs - April 2020 Edition](https://www.freedomlending.com/fed-expands-lending-programs-april-2020-edition/) - The coronavirus continued to be the focus for investors this week. The biggest economic news was Thursday's release of the details of the Fed's plans to provide additional assistance to businesses and local governments. The stock market posted some welcome gains, with the Dow index adding over 2,500 points. For mortgage markets, daily volatility was
- [Consumer Spending Slows - April 2020 Edition](https://www.freedomlending.com/consumer-spending-slows-april-2020-edition/) - The coronavirus continued to be the focus for investors. This week's data on consumer spending and housing starts reflected the anticipated decline in economic activity. Daily volatility in mortgage markets remained low, and the change in rates for the week again was small. Thursday night, President Trump unveiled broad guidelines for a path to relaxing
- [Housing Activity Slowed - May 2020 Edition](https://www.freedomlending.com/housing-activity-slowed-may-2020-edition/) - The housing data released this week confirmed that the anticipated massive decline in activity in April took place. However, there also were several encouraging signs that a substantial rebound already has begun. Daily volatility in mortgage markets remained low, and the change in rates for the week again was small. In April, existing home sales
- [Inflation Drops - May 2020 Edition](https://www.freedomlending.com/inflation-drops-may-2020-edition/) - While the stock market posted nice gains this week, mortgage markets were relatively quiet. Daily volatility remained low, and the change in rates for the week again was small. One consequence of the reduced economic activity resulting from the pandemic has been a decline in inflation, which has helped keep mortgage rates low. In April,
- [Fed Helps Bonds - June 2020 Edition](https://www.freedomlending.com/fed-helps-bonds-june-2020-edition/) - While it was a volatile week for stocks, the mortgage market remained relatively calm. Wednesday's Fed meeting contained favorable news for bonds, and mortgage rates ended the week lower. Since the middle of March, the Fed has bought over $2 trillion in Treasuries and mortgage-backed securities (MBS) to help support the economy and to maintain
- [Improving Housing Market - June 2020 Edition](https://www.freedomlending.com/improving-housing-market-june-2020-edition/) - The housing and inflation data released this week contained no major surprises, and investors were mostly focused on the concerning increase in the spread of the coronarvirus in several states. It was a quiet week for mortgage markets, and rates ended slightly lower. While the housing market data released this week was mixed, it clearly
- [Job Gains Fall Short - June 2019 Edition](https://www.freedomlending.com/job-gains-fall-short-june-2019-edition/) - Weaker than expected labor market data and dovish comments from central bank officials were favorable for mortgage rates this week. News on the trade negotiations with Mexico and China caused some volatility but had little net impact. Rates ended at their lowest levels in about two years. Friday's highly anticipated monthly Employment report revealed a
- [Steady Fed Policy - January 2020 Edition](https://www.freedomlending.com/steady-fed-policy-january-2020-edition/) - While there was a wide range of important economic news this week, there were no significant surprises. The major economic growth and inflation data came in right on target, and Wednesday's Fed meeting was in line with expectations. Since it's still too early to judge the extent of the effects of the coronavirus, a small

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## Quotes

- [Quote 7](https://www.freedomlending.com/testimonial/quote-7/) - Thanks for everything! You were able to quickly put financing together for me on my new home, and explained every step of the process to me. I learned so much from you, and always felt reassured that everything would be done on time. I really appreciated your patience through this whole process; I know at
- [Quote 6](https://www.freedomlending.com/testimonial/quote-6/) - Starting with the initial call through closing, Bob Cherry and Freedom lending could not have made the process better for us. I was a first time home buyer and it was great to have someone as familiar with the loan process as our loan officer. After finding a few houses to look at I submitted
- [Quote 5](https://www.freedomlending.com/testimonial/quote-5/) - Great Mortgage and refinance company. Good people.
- [Quote 4](https://www.freedomlending.com/testimonial/quote-4/) - I would recommend this company to any of my friends or family members that are getting a loan for their house for the very first time. Freedom Lending made our home buying process a quick and easy one.
- [Quote 3](https://www.freedomlending.com/testimonial/quote-3/) - I was having a really hard time trying to find a company to give my family a loan on our first home. Just when we were about to give up we were introduced to Freedom Lending and needless to say they were able to get a loan for our mortgage that my wife and I didn’t even expect
- [Quote 2](https://www.freedomlending.com/testimonial/quote-2/) - Freedom Lending mortgage company was by far the most accommodating and reasonable mortgage lender my son (a veteran) could have found. They were able to understand many variables related to his finances, job and history AND pull it all together so he qualified for a home purchase! We are so grateful to Ben and Freedom Lending! Thanks again and God Bless!
- [Quote 1](https://www.freedomlending.com/testimonial/quote-1/) - We are just so thrilled all the stars & planets lined up & came together with Bob referring us to you & Freedom Lending for making this a reality finally! We appreciate all you’ve done for us.

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