Teddy Bear Realty

08/03/2026

FED HOLDS STEADY...Stocks moved higher last week after the Federal Reserve left interest rates unchanged for a fifth straight meeting. Investors were also encouraged by another strong week of corporate earnings, particularly from large technology companies.

Treasury yields climbed after the Fed signaled inflation remains its primary focus, while markets continued weighing the possibility of another rate increase later this year. Mortgage rates held near recent highs as bond markets adjusted to the Fed's outlook.

Economic growth remained positive as second-quarter GDP expanded at a 1.5% annual pace, while June inflation eased modestly. Consumer spending and employment continue supporting the broader economy.
Andy Rose

07/27/2026

REVIEW OF LAST WEEK



TECH SLIDES AGAIN...Stocks finished lower as rising oil prices and Treasury yields pressured valuations. Technology shares led the decline as investors questioned whether heavy AI spending will translate into sufficient revenue, margins and cash flow.

The 10-year Treasury yield climbed as higher oil prices renewed inflation concerns. The move increased expectations that the Federal Reserve may consider raising rates later this year if energy pressures persist.

The labor market remained firm, with initial jobless claims falling to their lowest level since 1969. New-home sales received support from builder incentives, while broader housing activity continued reflecting affordability constraints.

The week ended with the Dow down 0.4% to 51,947, the S&P 500 down 0.6% to 7,412, and the Nasdaq down 2.1% to 24,976.

Higher Treasury yields placed renewed pressure on mortgage rates. More inventory and builder incentives may help buyers, but financing costs remain a key obstacle heading into August.

DID YOU KNOW...Early-stage mortgage delinquencies continue to decline, with new FHA defaults posting their largest annual drop in more than four years.






THIS WEEK'S FORECAST



FED TAKES CENTERSTAGE...The Federal Reserve’s Wednesday rate decision will lead a busy week for markets. Investors will also watch earnings from several major technology companies for evidence that AI spending is producing stronger returns. Jobless claims and additional economic reports will help determine whether steady employment and rising energy costs are changing the outlook for interest rates.
Andy Rose

06/02/2026

Real Estate update:
Inventory continued to build, with the number of homes for sale remaining above year-ago levels. New listings also increased compared to last year, giving buyers more choices as the summer market begins.

Listing prices declined year over year for the 19th consecutive week, the longest streak on record. Sellers appear to be adjusting pricing expectations upfront rather than relying on later price reductions, creating more realistic opportunities for buyers.

Mortgage demand continues to show signs of resilience despite affordability challenges. Consumer credit conditions improved in spring, delinquency trends eased, and mortgage demand strengthened as buyers selectively reentered the market.
Thank u Andy Rose

05/14/2026

02/18/2026

FINDING ITS FOOTING…Markets fluctuated throughout the week as traders weighed fresh inflation data and upcoming Federal Reserve signals. Major indexes finished mixed but remained near recent highs.

Some caution came from inflation readings that showed progress but not enough to eliminate uncertainty about the timing of future policy moves. Investors continue watching economic data closely.

The broader economy remains resilient. Consumer spending has held firm and jobless claims remain low, reinforcing confidence as housing activity gradually builds toward spring.

The week ended with the Dow down 1.2%, to 49,452; the S&P 500 down 1.4%, to 6,833; and the Nasdaq down 2.1%, to 22,597.

Bond prices strengthened overall, with the 30-Year UMBS 5.0% up approximately an eighth of a point for the week, as Treasury yields moved lower following CPI data. Freddie Mac reported minimal movement in the national average 30-year fixed mortgage rate.

DID YOU KNOW…February is when new listings begin to ramp up ahead of peak spring activity, meaning selection often improves before competition does.

Andy Rose

02/11/2026

Hey guys if you know someone moving out of state let me know. I have resources to help connect them to the best agents all around the country. I can be a great resource for this.

12/08/2025

The Mortgage Bankers Association reported that last week purchase mortgage applications rose 3% week-over-week and 17% year-over-year, sending buyer demand to its highest level of the year.

Realtor.com found that the difference in the monthly cost of home ownership between new and existing homes is almost negligible—only a $30 difference in the period from July to September.

During Thanksgiving week, things finally got moving in a buyer-friendly direction. Buyers saw the weakest home price growth in over two years, and more choices, with inventory up almost 12% from last year.

Andy Rose

10/21/2025

Yep

10/20/2025

I lived this for 20 years

03/27/2025