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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| Giving Peace (And Bonds?) a Chance | ||
| 7/28/2026 3:04 PM | ||
| Giving Peace (And Bonds?) a Chance Granted, it may be far less promising than some of the more conclusive headlines that led up to previous ceasefires and peace memos, but Tuesday delivered at least a modicum of hope that war sentiment is shifting. In not so many words, an Israeli media outlet reported that...Read More | ||
| Verification, HELOC, Non-QM Broker Products; RESPA Thoughts; Redwood Trust 2x Production | ||
| 7/28/2026 10:32 AM | ||
| Does innovation in lending always means building something new? MISMO’s President Brian Vieaux challenges that familiar assumption, instead, he argues that some of the industry"s greatest opportunities lie in eliminating outdated processes that add friction without adding value. Read why the future of mortgage may depend as much on what the industr...Read More | ||
| Another Slightly Stronger Start | ||
| 7/28/2026 8:28 AM | ||
| Once again, bond yields dropped in the overnight session in concert with lower oil prices. Today"s iteration is less swift than yesterday"s, but after last week"s sell-off, we"ll take any green we can get. Econ data is light and inconsequential. The 7yr Treasury auction is typically not a source of drama. That leaves focus on any notable war headli...Read More | ||
| Compared to Oil, Yields Not Quite as Willing to Drop | ||
| 7/27/2026 3:15 PM | ||
| Compared to Oil, Yields Not Quite as Willing to Drop While the moment-to-moment correlation between bond yields and oil prices remained almost perfectly intact today, yields were less willing to follow the bigger drops. In other words, if we benchmark bonds to oil price movement, they underperformed the dro...Read More | ||
| Mortgage Rates Roughly Unchanged Versus Friday"s Lows | ||
| 7/27/2026 1:44 PM | ||
| After bottoming out around 6.5% in late June, mortgage rates moved steadily higher this month, ultimately hitting 6.85% last Thursday--the highest level in over a year. There was a modest recovery on Friday with a fair amount of intraday changes from the average mortgage lender. Because rates are based on bonds, it"s worth noting that bonds ...Read More | ||
| DSCR, HELOC, Market Analysis, Pricing Rule Tools; FHA, HUD, Ginnie Changes | ||
| 7/27/2026 10:45 AM | ||
| In 2025, the IMF reported that, across the globe, companies, households, and countries had amassed $251 trillion in debt. Looking toward the end of 2026, J.P. Morgan has warned that interest rates on such borrowings are set to spike, owing largely to dwindling populations and diminishing fiscal discipline. JPMorgan’s Joyce Chang and team unpacked t...Read More | ||
| Less Bombing. More Rallying | ||
| 7/27/2026 7:51 AM | ||
| It"s a pretty simple morning for the bond market (and many other markets). While there"s no formal ceasefire, both the U.S. and Iran have indicated a pause in the tit for tat airstrikes that have characterized most of July. Oil dropped sharply on the news though it"s not clear exactly how much because markets were fully closed at the time. Still, i...Read More | ||
| How Technical Do You Want to Be? | ||
| 7/24/2026 2:38 PM | ||
| How Technical Do You Want to Be? There are always multiple technical lenses through which to view market movement, but the simplest involve trendlines and level lines. Yield movement has largely held inside the same high/low trendlines since October 2025, so that"s a useful trend to keep tabs on the big pic...Read More | ||
| Mortgage Rates Recover Modestly From Long-Term Highs | ||
| 7/24/2026 2:06 PM | ||
| If you"re just tuning in, mortgage rates had a rough day yesterday on top of a rough week overall. The result was the highest 30yr fixed rate in over a year with our index moving up to 6.85%. As has been and continues to be the case, rate momentum has been strongly correlated with oil/gas price momentum. With that in mind, it"s no surprise to see ...Read More | ||
| New Home Sales Regain Some Lost Ground | ||
| 7/24/2026 12:17 PM | ||
| New home sales rebounded modestly in June, recovering some of the previous month"s decline, though activity remained below year-ago levels as elevated mortgage rates and affordability challenges continued to weigh on demand. According to the latest Census Bureau and HUD data, sales of new single-family homes rose to a seasonally adjusted annual rat...Read More | ||