The August Group Inc. is your source for dependable Real Estate Appraisals in Saint Louis City and the following counties in Missouri; St. Louis, Franklin, Jefferson, Warren, Lincoln, St. Charles and St. Francois.Whether it's an older home or luxurious new construction, Jeffrey Noyes' experience and hours of study as licensed appraiser make him qualified to provide home valuations in Saint Louis City, St. Louis, Franklin, Jefferson, Warren, Lincoln, St. Charles and St. Francois County for clients ranging from national mortgage companies to local lenders or individual businesses and consumers.
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| Range-Bound Cruise Control, PM Edition | ||
| 12/22/2025 2:57 PM | ||
| Range-Bound Cruise Control, PM Edition Bonds came into the domestic session at slightly weaker levels and held mostly sideways for the entire day. There were no meaningful market movers in play, let alone any meaningful movement. Volume clocked in at the lowest non-holiday level of the year. NOTE: this week...Read More | ||
| Mortgage Rates Hold Steady to Start Holiday-Shortened Week | ||
| 12/22/2025 2:21 PM | ||
| Mortgage rates are tied to movement in the bond market and bonds were close enough to Friday"s levels that mortgage rates were essentially unchanged today. This keeps the average lender in the lower portion of the narrow range seen over the past 4 months. If rates manage to move noticeably lower from here, they"ll be challenging the lowest le...Read More | ||
| Transitions; Broker, HELOC Products; loanDepot LO Comp Case Ethics Question; Dive Into Data | ||
| 12/22/2025 10:48 AM | ||
| As we approach the end of the year, we’re seeing the usual interest in other opportunities, especially if pipelines aren’t full or management is dealing with people “aging out.” I received this note: “Rob, I need a very targeted approach to finding a new CFO, as my current one is retiring. Know anyone who can help?” I do indeed. You can start with ...Read More | ||
| Range-Bound Cruise Control | ||
| 12/22/2025 9:34 AM | ||
| 2025 is effectively over when it comes to meaningful shifts in the bond market. The coming days will be so heavily-affected by light volume/liquidity that any apparently significant shifts would be taken with a grain of salt anyway. Even as we look back over the past 4 months, we see a persistence of the very narrow 4.00-4.20 range in 10yr yields. ...Read More | ||
| Bond Market in Holiday Mode | ||
| 12/19/2025 3:33 PM | ||
| Bond Market in Holiday Mode Holiday mode is impossible to clearly define when it comes to its impact on the bond market. We know it when we see it, and we saw it today. Bonds paid no attention to econ data no matter how much it may seem that the 10am Consumer Sentiment numbers had an impact. Movement was mi...Read More | ||
| Mortgage Rates Just Off 2-Week Lows | ||
| 12/19/2025 3:09 PM | ||
| It ended up being a fairly uneventful day for mortgage rates despite scattered speculation about the impact of foreign monetary policy decisions. The average lender nudged just a hair higher, resulting in the 2nd lowest reading of the week. Apart from yesterday, the last day with lower rates was more than 2 weeks ago on December 4th. The coming we...Read More | ||
| Highest Existing Home Sales in 8 Months But Don"t Get Excited | ||
| 12/19/2025 12:55 PM | ||
| Existing-home sales extended their recent stabilization in November, rising 0.5% to a seasonally adjusted annual rate of 4.13 million , according to the National Association of Realtors (NAR). This is the 3rd straight increase and annualized sales are at their highest level in 8 months. The catch is that--much like several other housing metrics--...Read More | ||
| Three Straight Months of Improvement in Builder Confidence, But There"s a Catch | ||
| 12/19/2025 12:39 PM | ||
| The December National Association of Home Builders (NAHB)/Wells Fargo Housing Market Index (HMI) edged up one point to 39. This is the 3rd straight month of improvement in the index--a development that could be confused for something encouraging. But the reality is that builder confidence is merely drifting along just barely above the lowest ...Read More | ||
| Mortgage Apps Still Strong vs Last Year, But Down Slightly Last Week | ||
| 12/19/2025 12:33 PM | ||
| Seasonally adjusted mortgage application activity declined 3.8% last week, according to MBA’s Weekly Mortgage Applications Survey for the week ending December 12. Unadjusted applications fell 5% from the prior week, reflecting a typical seasonal slowdown as the year draws to a close. The Refinance Index slipped 4% from the previous week but remain...Read More | ||
| Credit Review, HELOC, 2nd Products; Freddie and Fannie News; Cap. Markets | ||
| 12/19/2025 10:45 AM | ||
| Lender and Broker Services, Products, and Software Newrez Wholesale has enhanced its partner protection program with Newrez Broker Protect, delivering broader and longer coverage for approved partners. Starting January 1, 2026, all approved broker partners receive 18 months of solicitation protection on funded Agency and Government loans. RezClub...Read More | ||