Scott Rausch Team- Caliber Home Loans, Inc.

Rates and home purchases headed up in 2022? Unsurprisingly, the market experts are predicting that mortgage rates will go up more soon. In this article, Michael Fratantoni, chief economist at the MBA, says: "The economy and labor market rebounded in 2021, but overall growth fell short of expectations because of stubborn supply chain issues th

Real Estate is one of the best hedges against inflation!

2 ways to soften the blow of inflation October 2021 Anyone buying a new car, or even groceries for the family, has noticed that prices are going up. I shared recently about inflation and wanted to bring you a few other bits of advice that I found at: www.

Rates are climbing but still historically low!

Inflation and tightening policies take a toll on mortgage rates Freddie Mac releases results of its weekly Primary Mortgage Market Survey

Is NOW the sweet spot we’ve been waiting for? For many of us who are affected by the rollercoaster of the real estate market in some way, it has been a hectic couple of years! Rates have remained low and housing inventories clamped down in most markets as the pandemic triggered a lot of mobility. Many people discovered that they could work from

Last Week's Economic News in Review August 4th, 2021 Sales of new homes took a downward turn, while incomes and spending both increased, and consumer confidence hovered at high levels. New Home Sales Sales of new, single-family homes dropped to an annual rate of 676,000 in June, which was 6.

I am very honored to have been Named as Top 1% of Originators in America for 2020. Thanks to all my partners, friends, family, clients and my amazing operations staff for helping me achieve this honor.

Last Week's Economic News in Review July 21st, 2021 Retail sales grew, while consumer sentiment declined, and initial jobless claims hit a 16-month low. Retail Sales Retail sales rose to $621.

Real estate market cooling? 3 things to do now | by Scott Rausch | LinkedIn In a recent Bloomberg update, finance experts Conor Sen and Gary Shilling glance at the wild upswing in real estate prices and suggest that there's reason to believe that the fever will soon break. For those of us who make our livings in industries connected to real estate, this can be good news...

Last Week's Economic News in Review June 23, 2021 New home construction faltered and layoffs increased. Meanwhile, retail sales declined but remained at near-record levels.

10 Fun, Weird Facts about June I don't know about you, but as we round the bend and cruise toward the beginning of summer, I feel I feel a little tingle of childlike excitement. Remember how it felt to count the days until the end of school, staying up a little later in the golden evenings, and smelling freshly mown grass? He...

Why You Need Your Creativity Now More Than Ever! In 2019, the World Economic Forum released a report on Critical Skills Needed for Career Survival in 2020. They do this every five years.

Should you buy or sell a house right now? May 2021 If you have asked yourself if it's time to buy or sell a house right now, you're not alone! Google searches for "should I buy a house" and "should I sell my house" are at all-time highs in the U.S.

Lock or float right now? When you're buying a home or in the process of a refinance, one of the most nerve-wracking decisions can often be whether to lock or float your rate - especially when the market is choppy, as it has been lately. As I shared with you last month, we're in a period of volatility as the stock an...

My latest newsletter, hope you enjoy.

When and how to deliver bad news When markets are fairly smooth and volume is moderate or low, surprises are rare. We anticipate outcomes, help with the process of a transaction and everything works out more or less predictably.

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A new way to beat the February blues... The best antidote to the end-of-winter blues might be a shade of green - indoor plants are a pandemic obsession that's here to stay. Anthropologists say our relationships to plants are changing, due to the COVID-19 inspired "botanic boom" that has led people to grow and nurture plants....

Stay warm, Coldest temps in over 2 years this weekend.

Three genuine self-care tips for the winter months Ah, January. The winter holidays are over.

Inauguration and Your Budget Beyond family holidays and New Year's resolutions, many Americans are anticipating the upcoming inauguration and wondering how the regime change will impact them personally. Here are some basic ways the new administration may impact household finance: COVID-19 Relief The Democratic cohort have b...

Tough times make for surging scores? The average FICO credit score hit new record highs of 711 in July of 2020 - amidst a global pandemic, pending recession, burgeoning political turmoil, and widespread civil unrest, this seems a bit surprising. The number of consumers who had missed payments was actually also down significantly compar

Things I am happy for this Thanksgiving:
Family and Friends
Health
Partners
Freedom
My community (s)

We are blessed in America and don't ever forget we owe our successes to generations before us who fought and died. Had the courage to pack up everything they had and move to a new land. By the Grace of God we are in America in 2020! Take care of each other!

Quick considerations for financial stability Prior to the pandemic, an estimated 49% of Americans were living paycheck to paycheck and 53% lacked emergency funds to cover three months of expenses. A full 91% said they wanted to build better habits in 2020.

Quick tips for greater comfort at home As we cocoon more and more at home in COVID-19’s wake, our domiciles have become offices, schoolhouses, gyms, concert halls, art studios, eateries and pubs. There’s a forced multi-functionality of the home that is changing the way we go about our everyday.

How to deal with financial uncertainty I think that one word might describe the financial outlook for 2020: uncertainty. Uncertainty is one of the primary causes of anxiety in any situation.

Has FOMO turned into FOGO (and what to do about it)? How's it going over there? If you're anything like me, you might be feeling the urge to get your summertime on. Despite the fact that this is one of the strangest years in memory, we're creatures of habit and the need to get outside and enjoy our favorite summer things is high! That being said, this

Pent-up markets breaking loose now? How's your business? Speaking from within the mortgage industry, rates have literally never been better at the moment. This means a tremendous surge in refinance activity and buyers eyeing their chance to get back to home shopping as states reopen.

The most important question to ask now I have some thoughts for you, but first..

3 ways to lead in times of financial fear I don't have to tell you that we've entered an extraordinary period of time in the global economy. Since the financial crisis of 2008-09 we have not experienced anything like this and the impact will continue for a long time after the health crisis has been contained.

This is good information to read. I was curious on how to sanitize my I-phone. I used to clean it every am when I cleaned my glasses with the electronic and glasses cleaner but wasn't sure that "cleaned". I hope you enjoy this article and by all means share this article.

How to Keep Your Phone, Laptop and Car Germ-Free Everyday objects could potentially expose you to the coronavirus, including your phone. Here’s how to give it a cleanse.

Read these March dates & cool facts now! The brown buds thicken on the trees, Unbound, the free streams sing, As March leads forth across the leas The wild and windy spring. –Elizabeth Akers Allen (1832–1911) I thought you would enjoy some interesting facts about March and a little bit of whimsy from The Old Farmer's Almanac.

This is the 3rd similar survey I got this week from closed purchase clients in the past 2 weeks. This is the reason I have continued to originate even when I was a regional. I love working with 1st time buyers. Call me today to help your next buyer or if you have friends and family looking to purchase. 630-461-7122

Ready to gear up for new markets now? Spring is cracking through the chilly ground, the Earth is inching back toward the sun… days are getting longer and people are feeling the shift back into more energetic markets. Basically, it just means that we’re moving into the seasons during which our clients are finalizing their taxes, thin...

Housing remains strong and we have participation in all markets. The only real issue in some markets remains lack of inventory. Rates are at or near historic lows, lots of demand from buyers and a strong job market, including wage growth.

Hispanic households continue to drive growth in US housing market Hispanic homeownership rate at a five-year high

Interesting list of things buyers want by state. I am working this weekend if you need me call.

These Home Features Make Buyers Swoon Which amenities are sweeping house hunters off their feet? View the details broken down by state.

Call me for help 630-461-7122