Things that can move the market!

Written by Posted On Monday, 04 March 2024 00:00

As mortgage professionals, we must deal with many things in our day-to-day business. Some of these things are controllable, some are not. One of the issues that we all have to deal with is market volatility. When the market moves, it can create a great deal of stress for us, our team, our referral partners, and of course, our clients. Interest rates can be a very emotional subject. People hate paying more, but also, fear things they don’t understand. So here are a few things we can look at to help ourselves, as well as our clients and referral partners, be aware of that may cause movement in the rate markets.

•  FED Meetings – ten times a year and they set the market for short term bank rates. They don’t have to raise or lower rates to impact the market, it can just be what they say they intend to do!

•  CPI – Consumer Price Index. Tracks inflation on typical consumer items. Inflation goes higher, rates go higher! Inflation goes lower, rates tend to follow! Once a month tracking the prior month.

•  PPI – Producer Price Index. Same as CPI but tracks costs at the wholesale level. Not as important as CPI because producer prices don’t always increase prices to the consumer.

•  Initial and Continuing Jobless Claims – Every Thursday (except holidays) we see these numbers. Higher claims mean the economy is getting worse, could push rates lower. Lower claims show the economy getting stronger and may push rates higher.

•  World Events – Stuff happens! War, Weather, political changes, or shifts in policy can often impact rates here in the US.

•  Lending Guidelines, Products, and Programs. At any point, the rules by which mortgage lending is regulated can change. From the federal level, down to state and local regulations. Sometimes without much warning, the rules can change, and rates will follow.

This isn’t everything that can move the markets, but just the ones I track on a regular basis and suggest for my clients to stay aware of. You can’t just trust the internet or social media posts to explain to you what is happening and why; it’s important that you know! If you have questions or comments, please let me know: This email address is being protected from spambots. You need JavaScript enabled to view it.

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Michael White

After 18 years working in all phases of mortgage originations, Mike left day to day originations to start his consulting and coaching company. Now, more than 18+ years later, Mike is working with clients across the country in all markets, big and small, that have generated more than three billion dollars in loan originations within a year.

Mike teaches a system that is focused on time management, action planning, marketing a message, and creating value for both clients and referral sources alike. Quite simply, providing more value leads to more opportunities, more income, less time, and a systematic approach that begs to be duplicated.


By breaking down individual aspects of the mortgage business and providing a step by step approach to creating a consistent flow of opportunities that can lead to a highly successful mortgage practice. That is why people who incorporate these strategies out produce the national averages by almost 3 to 1!

Fundamentals and simple strategies provide day to day activities that help provide a “scheduled success” philosophy. It’s all about identifying, targeting, and establishing profitable referral relationships using exceptional value to keep you in the center of your own referral triangle.

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