https://www.independencelendingteam.com/

Sean Smith, Independence Lending NMLS 1465055, 5910 S Main Street, Clarkston, MI (2026)

08/05/2024

With all the talk of what's happening with mortgage rates, remember I'm here as your local Mortgage Professional to answer questions or get you a rate quote. 😂

08/05/2024

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗔𝘂𝗴𝘂𝘀𝘁 𝟱, 𝟮𝟬𝟮𝟰

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates improved to the best levels seen in months last week. On Wednesday we saw improvement after the Fed left its policy rate unchanged, but opened the door to rate cuts starting at the next meeting in September. On Friday labor market data showed a jump in unemployment and much fewer new jobs created than was expected, which all but guaranteed the Fed will start cutting at the next meeting.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
This week will likely see mortgage rates pull back after dropping more than was expected last week. Although there is not a lot of economic data this week, markets have shown a major overreaction to last week's data. Stocks have plummeted, and traders now believe the Fed will be forced to make bigger and more frequent rate cuts to save the economy from a deep recession. Mortgage rates have moved lower too quickly, which often is followed by a rebound and moves higher.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Market volatility: Lenders will struggle to maintain stability with mortgage rates this week as markets whipsaw.
- Fed cuts: Markets now pricing in large Fed rate cuts to come, much larger than were considered only a week ago.

07/29/2024

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗹𝘆 𝟮𝟵, 𝟮𝟬𝟮𝟰

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗯𝗲𝘁𝘁𝗲𝗿 👍
Mortgage rates ended the week just slightly better after the Fed's favored gauge of inflation, the personal consumption expenditure price index, came out showing inflation continues to move lower, opening the door for rate cuts.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
This week is expected to be good for mortgage rates, with the Fed unlikely to cut its policy rate yet but more likely to signal cuts could start at the next meeting. There is also a lot of labor market data this week that could support upcoming Fed rate cuts, and could help mortgage rates improve this week.

𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Labor market data: The week is full of data, but the two most important reports for mortgage rates are the job opening and labor turnover survey (JOLTS) on Tuesday, and the BLS jobs data and unemployment number on Friday.
- The Fed: The two-day Fed meeting concludes on Wednesday at 2pm ET, where the Fed is likely to leave rates unchanged but signal cuts could be coming. Fed Chair Powell's press conference at 2:30pm ET is when markets are likely to react most, setting up possible rate reprices Wednesday afternoon and better rates on Thursday morning when lenders set rates.

07/22/2024

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗹𝘆 𝟮𝟮, 𝟮𝟬𝟮𝟰

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates actually improved to start the week, before moving slightly higher on Friday. The moves may have been because of the huge Microsoft outage which affected trading, or could have just been due to a slight pullback in expectations for three Fed policy rate cuts by year's end. Either way, the moves were small.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝗵𝗼𝗹𝗱 𝘀𝘁𝗲𝗮𝗱𝘆 👍
Despite the magnitude of President Biden announcing he will not run for reelection, his announcement has no real effect on mortgage rates. Although politics does play a role in markets and rates, mortgage rates continue to be most heavily influenced by the Fed and the possibility of coming rate cuts.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- PCE inflation data: Coming on Friday, this is the Fed's favored gauge of inflation and is likely to show that inflation moved lower in June (like the CPI inflation report did). Mortgage rates may end the week slightly improved if that is the case.
- Expectations of Fed rate cuts: Markets currently expecting cuts to start in September (not the upcoming July meeting) and for there to be three cuts this year, helping mortgage rates remain steady unless that outlook changes.

07/15/2024

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗹𝘆 𝟭𝟱, 𝟮𝟬𝟮𝟰

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗹𝗼𝘄𝗲𝗿 👍
Mortgage rates improved as inflation data last week came in even better than expected, showing dropping inflation and supporting the belief that the Fed will cut policy rates up to three times this year starting at September's Fed meeting.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 👍
Rates are now at some of the lowest levels of the year, but aren't likely to move much lower this week. Mortgage rates are heavily influenced by inflation, the labor market, and forecasts of when and how much the Fed will cut policy rates. With this month's big labor and inflation reports behind us, we won't likely see mortgage rates make any big moves this week.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- The Fed: Fed officials are out in force this week speaking, the last week they can do so before the blackout period enforced ahead of every Fed meeting. Despite this month's data, Fed officials are likely to signal support for keeping policy rates unchanged further into the year. Because markets don't expect the Fed will be able to avoid cutting rates as soon as September, the Fed speeches are unlikely to hurt or help mortgage rates.
- Economic data: Not a lot of data this week that will affect rates.

07/11/2024

🔥 𝗟𝗲𝘁'𝘀 𝗖𝗲𝗹𝗲𝗯𝗿𝗮𝘁𝗲 𝗟𝗼𝘄𝗲𝗿 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲𝘀! 👍

If you've been watching mortgage rates because...

✅ You're thinking of buying a home...
✅ Consolidating some debt...
✅ Any other reason...

I've got good news! 🎉

Text me, DM me, call me, whatever you like... just be sure we talk soon before we miss this chance!

07/08/2024

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗹𝘆 𝟴, 𝟮𝟬𝟮𝟰

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗹𝗼𝘄𝗲𝗿 👍
Rates were as volatile last week as expected, moving higher early in the week before falling after the Independence Day holiday. Despite more new jobs created than expected for last month, most of the week's jobs data pointed to a softening labor market, supporting the idea that the Fed could start cutting rates in September.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲, 𝗯𝘂𝘁 𝘁𝗵𝗲𝗿𝗲 𝗶𝘀 𝗿𝗶𝘀𝗸 ⚠️
Rates are expected to get at least a little bit better this week as inflation data shows inflation continues to move lower. However, there is risk that if we get a surprise increase in inflation it would push rates higher on the week.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- The Fed: Fed Chair Powell will testify on the economy in front of Congress this week, as he does twice a year. If his comments lead markets to believe the Fed is likely to cut rates this year, it will help hold rates at these levels or improve.
- Inflation data: Consumer inflation data comes out Thursday and will have the biggest effect on rates this week, with wholesale inflation data coming out on Friday. If inflation continues to show signs of cooling, that will support Fed rate cuts later this year and help mortgage rates.

07/01/2024

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗹𝘆 𝟭, 𝟮𝟬𝟮𝟰

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Rates moved slightly higher to end the week, despite a positive reaction to Friday's inflation data. Most lenders started off Friday with better rates but were forced to reissue new rate sheets through the afternoon as mortgage bonds lost ground in month's end trading. Mortgage bonds are the basis that lenders use when setting mortgage rates.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Mortgage rates are likely to move this week, but whether that move is higher or lower will depend on the labor market data. Markets will close early on Wednesday and be closed on Thursday for the holiday, as will most mortgage lenders. Friday has the most potential to see rates move.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: There will be a handful of reports throughout the week that will affect mortgage rates.
- Jobs data: Tuesday brings labor market data on job openings and layoffs, while Friday brings the BLS jobs report showing unemployment, wages, and new jobs created in June.
- Independence Day: Since the 4th falls on a Thursday, many traders will take an extended weekend, and the resulting decrease in trading volume adds to the potential volatility for rates this week.

06/24/2024

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗻𝗲 𝟮𝟰, 𝟮𝟬𝟮𝟰

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Rates were basically unchanged last week, not only for the week but with very little movement day-to-day. Overall it was a very quiet week for rates.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗮𝘆 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 👍
Mortgage rates shouldn't move much this week, but could improve a little bit if this week's inflation data comes in as expected. Keep in mind though that we could see a lot more volatility next week with labor data and the Independence Day holiday.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: There's really not a lot happening this week although Thursday will bring the final GDP numbers for the first quarter. It isn't likely this data has a big effect on mortgage rates though.
- Inflation data: Friday will bring the Fed's favored inflation gauge, which is expected to show the slowest inflation since late last year and open the door to possible Fed rate cuts later this year.
- The Fed: Mortgage rates will remain near the current levels as long as markets believe the Fed will cut rates later this year. Markets are currently expecting the Fed to cut rates starting in September and to cut rates twice by the end of the year. If markets believe the economic and labor market data would require the Fed to cut rates sooner or more aggressively, that would help mortgage rates improve. That is why next week's labor market data will be important to mortgage rates.

06/17/2024

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗻𝗲 𝟭𝟳, 𝟮𝟬𝟮𝟰

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Rates improved last week when data showed both wholesale and consumer inflation is once again moving lower. The Fed left its policy rate unchanged last week and Fed Chair Powell signaled the Fed isn't likely to make any moves at the next meeting in July, with Fed officials projecting between 1-2 cuts this year.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗮𝘆 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
While it was great to see rates move lower last week, we could be seeing rates capped out for the near term, meaning we aren't likely to see them move lower this week and instead are likely to see them get slightly worse. For those in process and closing soon, consider discussing locking with your mortgage pro. Those not yet under contract or in process though shouldn't worry much, rates are not likely to move that much higher.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Juneteenth holiday: Markets will be closed in observance of Juneteenth on Wednesday, and mortgage rates won't move that day.
- Economic data: Only a couple reports this week to watch, retail sales on Tuesday and PMI data on Friday. If the data reflects economic weakness we could see rates improve just slightly, but stronger data would pressure rates higher on the week.

06/10/2024

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗻𝗲 𝟭𝟬, 𝟮𝟬𝟮𝟰

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗲𝗿𝗲 𝗮 𝗯𝗶𝘁 𝗰𝗿𝗮𝘇𝘆 👎
Rates improved early in the week as markets grew optimistic that the Fed was likely to cut its policy rate at least a couple of times by the end of the year. However, rates jumped higher on Friday when the BLS jobs data showed a lot more jobs were created than what had been forecast, ending the week just slightly better than the previous week.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗶𝗹𝗹 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Rates this week will definitely move higher or lower, we just don't know which way they will go. Rates should start the week off calm, but Wednesday brings inflation data and the Fed meeting. Depending on how the data comes out and what the Fed says, we could see rates start to improve again or they could move quite a bit higher. There is a lot of risk this week.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Inflation data: The CPI inflation report comes out Wednesday morning before mortgage rates are released and will affect rates that day.
- Fed meeting and press conference: The Fed is unlikely to cut or hike rates at this month's meeting, however will release its quarterly forecast for rates. Fed Chair Powell's press conference is also likely to cause rates to move Wednesday afternoon.

06/03/2024

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗻𝗲 𝟬𝟯, 𝟮𝟬𝟮𝟰

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗲𝗿𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Last week saw mortgage rates move quite a bit higher by midweek, only to recover and end the week almost unchanged. Rates rose as consumer confidence readings unexpectedly came in higher on Tuesday, but were helped by slightly better than expected inflation data on Friday.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗮𝘆 𝗶𝗺𝗽𝗿𝗼𝘃𝗲, 𝗯𝘂𝘁 𝘁𝗵𝗲𝗿𝗲 𝗶𝘀 𝗿𝗶𝘀𝗸 👍
Mortgage rates are sure to move this week, and hopefully improve, but it will depend on the data. This week brings lots of jobs data, and any signs of a softening labor market will help mortgage rates improve ahead of next week's Fed meeting and inflation data. However, if the labor market data shows strength instead of the expected weakness, we could see mortgage rates move higher.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Jobs data: This week brings the job opening and labor turnover survey on Tuesday, the ADP private payroll report on Wednesday, jobless claims on Thursday, and the report that will have the most impact on mortgage rates on Friday, the BLS jobs report.
- Other economic data: There are a few other reports this week that will give insight into whether the economy is slowing down or not, which could help mortgage rates this week.

Sean Smith, Independence Lending NMLS 1465055

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