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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| Holiday Week Volatility With Zero Consequence | ||
| 11/26/2025 1:55 PM | ||
| Holiday Week Volatility With Zero Consequence Although there was a brief negative reaction to this morning"s economic data, the impact was minimal. Random holiday-week volatility accounted for bigger swings, but those swings ultimately canceled each other out. By the 3pm close, bonds were close enough to un...Read More | ||
| Mortgage Rates Slightly Higher, But Remain Near Long-Term Lows | ||
| 11/26/2025 1:52 PM | ||
| Wednesday was far less eventful than the first two days of the week as far as mortgage rates were concerned. The average lender raised rates just a hair, but apart from yesterday, these are the lowest levels in a month and very close to the lowest levels in more than 3 years. Bond markets and mortgage lenders will be closed tomorrow for Thanksgivi...Read More | ||
| Credit Union Compliance, HELOC Products; Conventional Conforming Loan Limits and Other Fannie/Freddie News | ||
| 11/26/2025 10:42 AM | ||
| The new phone books are here, the new phone books are here! Oh, wait a minute. The new conventional conforming loan limits are here! The new conventional conforming loan limits are here! True, lenders that are entirely focused on non-Agency products like non-QM (without many of the loan level price adjustments or gfees) may not care too much, but f...Read More | ||
| Stronger Data. Weaker Start For Bonds | ||
| 11/26/2025 7:55 AM | ||
| Bonds were just slightly weaker overnight but are losing more ground in early trading. The culprit: both of this morning"s 8:30am ET economic releases. Jobless Claims data is probably the bigger deal as it continues to show no signs of labor market distress (216k vs 225k f"cast). The other report, Durable Goods, is more stale (pre-shutd...Read More | ||
| Best Closing Levels in Nearly a Month | ||
| 11/25/2025 4:08 PM | ||
| Best Closing Levels in Nearly a Month Bonds improved only moderately on Tuesday in a move that"s just as easily chalked up to random holiday-week volatility as any of the day"s data/events. If we"re determined to give credit to particulars, we can cite things like the 13.5k decline in weekly ADP payro...Read More | ||
| Lowest Mortgage Rates Since 10/28 And Very Close to 3-Year Lows | ||
| 11/25/2025 3:04 PM | ||
| Mortgage rates moved nicely lower on Tuesday with the average lender very close to the 2025 lows seen in late October. These levels are effectively right in line with the lowest since late 2022. If today"s drop seems abrupt, that"s because it is. In fact, it"s a bigger drop than the underlying bond market justifies. There"s a reason for this and w...Read More | ||
| Conforming Loan Limit Rises to $832,750 Amid Lowest Home Price Growth Since 2012 | ||
| 11/25/2025 2:13 PM | ||
| Both the FHFA and the S&P/Cotality Case-Shiller home-price indices released new data this week. The message remains consistent: home prices are still higher than a year ago, but the pace of appreciation continues to slow. FHFA’s national index shows prices up 1.7% year-over-year and flat 0.0% month-over-month in September after August was ...Read More | ||
| Compliance, Broker Products; MBA on Credit Costs; LO Strategy for Aging Buyers; Pulte and Grand Jury | ||
| 11/25/2025 10:52 AM | ||
| Want better affordability? Lower house prices certainly helps, and this article states that more than half of homes in the United States have fallen in price in the last year. Forget interest rates: Certainly, there are fewer willing buyers when they know ahead of time that they may face increasing insurance, tax, or condo fees. (Lenders are doing ...Read More | ||
| 10yr Flirting With 4.0%, But Not Because of Data | ||
| 11/25/2025 7:53 AM | ||
| ADP"s weekly employment report showed another contraction at -13.5k, but unlike last week, no one seems to care. We also got the delayed release of Retail Sales with a notably weak -0.1 vs 0.3 control group, and backlogged PPI that was just a hair cooler than expected. There too, zero bond market reaction. Thanksgiving week trading vibes are in ful...Read More | ||
| Lowest Yields in Almost 4 Weeks Despite Ongoing Stock Market Recovery | ||
| 11/24/2025 3:39 PM | ||
| Lowest Yields in Almost 4 Weeks Despite Ongoing Stock Market Recovery There"s no question that stock prices and bond yields have had more than the normal amount of correlation recently. While that created some risk of a bond market weakness in the event of a stock market correction, those fears are proving ...Read More | ||