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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| Mostly Quiet Ahead of Friday"s Jobs Report | ||
| 1/8/2026 3:27 PM | ||
| Mostly Quiet Ahead of Friday"s Jobs Report Bonds lost a bit of ground on Thursday with most of the weakness seen in the overnight session in sympathy with European bond market weakness. The rest of the selling followed a stronger weekly jobless claims report. That said, we wouldn"t give the data all t...Read More | ||
| Mortgage Rates Modestly Higher on Thursday. Friday"s Risks Are Bigger | ||
| 1/8/2026 3:05 PM | ||
| Mortgage rates were just a hair higher for the average lender on Thursday. The underlying bond market lost some ground following a stronger weekly Jobless Claims report and in sympathy with global bond market weakness overnight. Because rates are based on bonds, when bonds are weaker, rates move higher. There are many different economic repo...Read More | ||
| Hedging, PPE, Commercial, ATM Products; Trump vs. Institutional SFH Buyers; Prepayment Numbers | ||
| 1/8/2026 10:41 AM | ||
| “Warning: don’t use your pet’s name for your password. We were hacked, and had to change our dog’s name.” “Experts” are saying that passwords will be on the way out in 2026 as passkeys take over. Good, as I am tired of carrying around a notebook with my usernames and passwords for dozens of sites. For fans of artificial intelligence (AI), we have n...Read More | ||
| No Help From Jobless Claims or Europe | ||
| 1/8/2026 8:23 AM | ||
| US bonds have been taking clear cues from Europe in overnight trading recently. Today"s example involved a 3bp sell-off on both sides of the Atlantic. The 8:30am Jobless Claims data may be garnering more volume, but it has only added modestly to the morning"s selling pressure so far. ...Read More | ||
| Ultimately Underwhelming Despite Seemingly Significant Data | ||
| 1/7/2026 4:02 PM | ||
| Ultimately Underwhelming Despite Seemingly Significant Data There was certainly the potential for volatility today with the confluence of ADP, ISM, and Job Openings data. But the results ended up being close enough to consensus to obviate any massive reactions. Yields hit their lowest levels in a week after...Read More | ||
| Another 2-Month Low For Mortgage Rates After Modest Drop | ||
| 1/7/2026 3:09 PM | ||
| Wednesday had the potential to cause bigger volatility for rates due to the confluence of several important economic reports. If that data had been lopsided in one direction or the other, rates likely would have moved more. As it happened, the data was mixed. The net effect was an exceedingly modest drop in the average 30yr fixed rate. Despite the...Read More | ||
| Asurity Forum; HELOC, 2nd, Non-QM Product News; Homebuyer Demographics | ||
| 1/7/2026 10:45 AM | ||
| What are the attributes of a successful loan officer? In my years of listening to LOs compare notes, many mention “mindset” since the job sometimes can be a grind. LOs fully explore possible niches, manage their database, strive toward leadership, and are willing to understand lending regulations and comply. Regarding that last one, tomorrow’s The ...Read More | ||
| Stronger Start Thanks to Europe and ADP | ||
| 1/7/2026 7:45 AM | ||
| Bonds rallied steadily overnight with more of the gains aligning with a data-driven bond rally in Europe. The overnight move brought 10yr yields roughly 2bps lower from yesterday"s close. Another 2bps of improvement followed this morning"s ADP employment data. ADP"s job count wasn"t particularly far below forecasts (41k vs 47k), but the previ...Read More | ||
| Flat Ending After Early Head Fake | ||
| 1/6/2026 3:25 PM | ||
| Ending Near Unchanged Levels After Early Head Fake Trading volumes confirm that bonds are 100% back in action, but after this morning"s selling pressure proved to be a head fake, that volume hasn"t translated to any meaningful momentum. This isn"t too hard to accept considering the absence of big-tick...Read More | ||
| Mortgage Rates Barely Budge, But Volatility Risk is Increasing | ||
| 1/6/2026 2:53 PM | ||
| Mortgage rates have been effectively unchanged for 5 straight days now. During that time, the MND 30yr fixed rate index hasn"t moved by more than 0.01%. The average borrower would see almost exactly the same terms on any of these days. The absence of volatility isn"t much of a surprise given the time of year and the lack of important economic data...Read More | ||