Friday, February 28, 2014

Friday Real Estate & Mortgage Update Houston, The Woodlands, Spring, Dallas, San Antonio, Austin



The safe haven moves into treasuries based on uncertainty in the Ukraine appears to have eased a little overnight. It wasn’t expected to last long as far as a fear factor that would continue driving safety trades. The situation is not likely to lead to significant military action with Russia moving in to secure Crimea, however the turmoil will continue for a long time, just not at a level that should worry investors. 

Janet Yellen completed her required semi-annual testimony yesterday to the Senate Banking Committee. She took a stab at the administration on the push to increase the minimum wage; the CBO report said the White House proposal to increase it to $10.10 would lift 900,000 people out of poverty, but lead to the elimination of 500,000 other jobs. The administration argued the CBO over-stated the impact of lost jobs; Yellen contradicted that argument. The CBO “is as qualified as anyone to evaluate the literature,” she said. “I wouldn’t want to argue with their assessment.” She is staring out carving her own path. On the housing bubble that led the recession and global financial crises she deviated from Bernanke’s view that the problem was caused by foreign investments running wild and not low interest rates. Yellen said she “would not argue” with other economists who believe low rates contributed to the buildup of leverage in the financial system in the 2000s and a housing bubble.

Everything is working against the rate markets this morning; the economic releases better than forecasts and less fear over Ukraine have erased all the gains over the last two days. The 10 at 2.69% is up 5 bp today. We have been floating the last two days but warning it was risky. Today clearly demonstrates that unless there is a momentary safety move and unless economic data is weak the path is still for higher interest rates. 
I am still recommending that you lock your rate.

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