Apex Lending

12/01/2025

📊 Major Volatility Ahead of the Fed’s December 10th Meeting

This week’s update dives into what’s shaping the markets right now and why the next few weeks could be unusually volatile. With the government shutdown delaying nearly every major economic report, the Federal Reserve is preparing to make its next rate cut decision with far less data than usual. Meanwhile, new comments from the New York Fed dramatically shifted expectations, with markets now pricing in an 87% chance of a December rate cut.

We also cover:
✔️ The continued weakness in the U.S. Labor Market
✔️ Continuing Jobless Claims remaining near 4-year highs
✔️ Mixed signals from Retail Sales and Durable Goods
✔️ Early signs of stabilization in home prices

With key economic data delayed, the Federal Reserve's next policy decision hinges on inflation reports and rising labor market concerns.

11/24/2025

📉 U.S. Labor Market Weakens & Fed Rate Cut Odds Rise - Here's What You Need to Know

Last week's economic data continued to show signs of a slowing labor market. September's BLS Jobs Report came in higher than expected but downward revisions to July and August data revealed that job growth has only averaged 38,000 per month over the last five months. Unemployment also ticked up 4.4%, Continuing Claims and WARN Notifications remain at recent highs, making it clear that once workers lose a job it's taking much longer to find a new one.

Several Federal Reserve Officials publicly voiced support for a Federal Funds Rate Cut in the "near term", citing continuing labor market weakness as a growing concern. As a result, market expectations for a 25 basis point rate cut in early December increased from 44% to 75% in just one week.

We also had key data releases from CoStar and Cotality reporting some of the slowest growth in rental rates in the last 15-years. The National Association of Realtors (NAR) October Existing Home Sales Report came in significantly higher than expectations, with Existing Home Sales rising 1.2% to an annualized pace of 4.10 million, which shows signs that the lower mortgage rates in September may be beginning to impact Existing Home Sales data.

➡️ Want to read more? Check out our full Market Update below.

Federal Reserve Officials grow more vigilant about U.S. Labor Market deterioration after the release of the September BLS Jobs Report and amid easing inflationary concerns.

11/17/2025

📊 Market Update: What’s Ahead for Mortgage Rates?

Now that the government has reopened, a wave of delayed economic reports is on the way, including key inflation and labor market data that will heavily influence the Federal Reserve's decision to cut or hold rates steady at their December 10th meeting.

The big takeaway? Mortgage rates remained steady last week as financial markets await more economic data. Many Federal Reserve officials signaled last week that a December rate cut may not happen due to inflation continuously trending above their 2% target.

Futures markets are currently pricing in a 44.6% probability of a 25 basis cut in December and a 55.4% probability of no rate cut. Remember, about a month ago futures markets were pricing in a 90%+ probability.

➡️Want to read more? Check out our full market update below.

Ahead of delayed Federal economic reports being released, Federal Reserve officials are signaling caution and market expectations for a December rate cut have dropped significantly.

11/10/2025

📊 Market Update: U.S. Labor Market Weakens as Housing Holds Firm

Private employment data for October revealed slower job growth and rising layoffs, signaling growing strain in the labor market.

Housing remains one of the few bright spots. Home values slipped only 0.2% in September but are still up 1.2% year-over-year, with forecasts calling for another 4.1% appreciation over the next 12 months.

Bottom line? Even as the broader economy slows, the housing market continues to provide opportunities for well-prepared buyers and homeowners to act strategically.

👉 Read the full Weekly Market Update here: https://tinyurl.com/mt7x9nts

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11/07/2025

🌟 Another incredible client success story! We’re so grateful for the opportunity to help our clients achieve their homeownership goals. Thank you for trusting our team to guide you through the process! Your kind words mean the world to us. 💚

11/03/2025

📊 The Federal Reserve Cuts Rates, But Mortgage Rates Edge Higher?

The Federal Reserve delivered its second consecutive rate cut last week, lowering the Federal Funds Rate by 0.25% to a range of 3.75%–4.00%. However, mortgage rates moved slightly higher after Chairman Powell struck a cautious tone, emphasizing that another rate cut in December is “not a foregone conclusion.”

The good news is that inflation data continues to ease and housing data remains steady, signs that mortgage rates should stabilize, or even improve, heading into November.

Read this week's full Market Update for our analysis and rate outlook ⬇️

A hawkish tone from the Federal Reserve offsets bond-friendly policy moves and keeps pressure on yields.

10/27/2025

📉Inflation Is Cooling and Housing Is Leading the Way

Last week's Consumer Price Index (CPI) report showed more progress toward price stability, with Core inflation easing to 3.0% year-over-year and Shelter only increasing by 0.2%, which is one of the lowest shelter readings this year.

Recent rental data suggests that the Shelter components of recent inflation reports are lagging behind real-time market data. Indexes, like those from Zillow and Cotality, show annual rent increases slowing to their slowest pace in 15 years which could be a sign that real-time inflation may already be much closer to the Federal Reserve's 2% target.

With inflation cooling and expectations of a 25 basis point rate cut from the Federal Reserve this week, mortgage rates remain stable at recent lows, and optimism continues to build heading into November.

Read the full Market Update for this week’s analysis and rate outlook ⬇️

Softer housing data reinforces progress toward the Federal Reserve's inflation target and strengthens the case for an October rate cut.

10/24/2025

🌟 Celebrating Another Client Success! 🌟
We’re always grateful to have the opportunity to help clients reach the next milestone in their financial journey and no one is more dedicated to guiding them there than Kyndal Solenberger.

Kyndal takes the time to understand every client’s unique objectives and builds a personalized strategy to support their long-term success. Whether you’re purchasing your first home or planning your next investment, she’s here to help you achieve your most important goals in life!

Want to connect with Kyndal?
📞 (803) 341-7664
✉️ [email protected]

10/20/2025

Despite continued uncertainty in Washington, financial markets showed resilience last week. Mortgage Bonds strengthened after comments from Federal Reserve Chairman Jerome Powell hinted that the Federal Reserve could soon end its balance sheet reduction program, which is a move that could help stabilize mortgage rates and improve liquidity heading into year-end.

Housing data also reflected cautious optimism. Builder confidence rose for the first time since January as lower mortgage rates continue to draw renewed buyer interest. Meanwhile, the Federal Reserve's Beige Book showed signs of slower economic growth and rising layoffs, supporting expectations for two 25-basis-point rate cuts later this year.

📊 Read this week’s full Market Update to see what’s driving rates and where opportunities are emerging.

Easing liquidity concerns and stable mortgage rates highlight the market’s resilience despite ongoing political and economic uncertainty.