True Stories: Hybrid, eNote and RON Implementation

Join expert panelists that will discuss the status of federal legislation, trends in digital adoption and how best to prepare your organization for the next generation of lending processes.

Spruce’s Patrick Burns on innovation in title technology

In the season finale of Housing News season 5, Spruce CEO discusses heightened investor interest in title tech, innovation and fintech adoption.

Top CFPB official “hates” QM rules, jeopardizing safe harbor

A top CFPB official in charge of the rule-making process has heavily criticized the agency's own qualifying mortgage rule, jeopardizing safe harbor.

Don’t sleep on non-QM products

Now is the perfect time for originators to consider expanding to non-QM products – to grow business, diversify their offerings and to ensure an opportunity to better serve their customers.

Politics & Money

When will the Federal Reserve raise rates?

Here's the data the Fed is actually focused on for rates

HW+ Federal Reserve

I propose adding a new pastime to our gold standards of baseball, barbecues, and Thanksgiving dinner. This new pastime I call Fed-Watch or When Will the Fed Raise Rates? Since the financial crisis of 2008, this pastime has gained popularity to the point where this guessing game has become an obsession and started to drive some folks a little batty. Insanity and Gold Bugs go together like a horse and carriage, peanut butter and jelly and salt and pepper, or so I’ve been told. 

But now that the U.S. economy is about to have one of the most impressive comeback plays ever in history, this pastime question becomes relevant: When will the Fed raise rates?


Part of the fun of this Fed guessing game is deciphering the clues dropped by members of the Federal Reserve. In the past many months, the Fed has indicated through their standard channels of smoke signals and voodoo chants that they won’t raise rates in 2021 no matter how hot the economic data looks. They are using the jobs data to guide their next steps and will not raise rates while we still have over 8 million Americans unemployed.

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