Walshs’ Post

Interest rates and their impact on the housing market have been a hot topic lately. The Federal Reserve recently lowered the Feds Fund rate by .50%, sparking expectations of lower mortgage rates. However, the reality is different - 30-year fixed rate mortgages have actually risen. This serves as a reminder that these mortgages are more closely linked to the yield on the 10-year Treasury note than to the Fed Funds rate. For those with variable rate products like HELOCs or business loans tied to prime rate, the decrease in short-term interest rates is likely benefiting you. On the flip side, if you were hoping for a significant decline in 30-year fixed mortgage rates, it seems like that might not be happening anytime soon. Stay informed and adapt your strategies accordingly in this ever-evolving financial landscape. And let me know if you need help positioning your portfolio for the new interest rate environment. #InterestRates #FederalReserve #MortgageRates #FinancialMarket #Economy #treasurevalley #CEO #founders #entrepreneur #CFO #businessowner

Compound interest is interest calculated on both the initial principal and the accumulated interest from previous periods. In other words, it’s interest on interest. Here’s how it works: 1. Initial Investment (Principal): You start with an initial amount of money, called the principal. 2. Interest Rate: The interest rate is a percentage of the principal that is added to the amount of money over a certain period of time. 3. Compounding Period: This is how often the interest is added to the principal. It could be annually, semi-annually, quarterly, monthly, or even daily. 4. Accumulation of Interest: With compound interest, the interest is added to the principal at the end of each compounding period. So, in the next period, interest is earned on the new principal amount (original principal + previously accumulated interest). 5. Continuous Growth: Over time, the amount of interest earned increases, leading to exponential growth in the investment. In summary, compound interest allows investments to grow faster over time because it generates earnings on both the initial principal and the accumulated interest. It’s often referred to as interest on interest,and the more frequently interest is compounded, the faster the investment grows. Keep in mind if you have credit card 💳, department store credit card or house with big mortgage balance that compounding interest is working against you… #learn #compounding #money #income

If you're looking for a way to grow your wealth with less hands-on involvement, note investing might be the perfect fit for you! Through purchasing mortgage notes, you become the lender and earn steady, predictable income from the borrower’s payments. 📄💰 The best part? You don't have to deal with the headaches of property management! Plus, there are various ways to invest, offering flexibility to suit different goals and risk levels. From earning consistent monthly cash flow to taking advantage of market appreciation, note investing can diversify your portfolio and build long-term wealth. If you're seeking financial freedom and smarter ways to invest, note investing is worth exploring! 🔑 #NoteInvesting #FinancialFreedom #WealthBuilding #PassiveIncome #RealEstateInvesting #AlternativeAssets #SDIRA #NENB #401K 4o

Homeowners often find themselves at a financial crossroads, faced with the decision of either paying off their mortgage early or investing their extra funds in the market. This dilemma touches on both the desire for financial security and the pursuit of wealth growth, challenging individuals to weigh the benefits of reducing debt against the potential returns from investments. Making the right choice depends on a variety of factors, including personal financial situations, market conditions, and long-term goals #BuyerAgentFinder #FindYourBuyerAgent #ExpertBuyerAgents #HomeBuyingExperts #RealEstateSimplified #BuyerAgentSuccess #TopBuyerAgents #BuyerAgentTips #ProfessionalBuyerAgents #RealEstateMastery #HomeBuyingJourney #SmartHomeBuying #FindYourDreamHome #PropertyMatchmakers #BuyerAgentAdvantage #HomeBuyingTips #RealEstateTalk #HomeBuyerHelp #NavigatingRealEstate #YourHomeYourFuture #BuyerAgentsSydney #MelbourneHomeBuying #RealEstateBrisbane #PerthPropertyMarket #AdelaideRealEstate https://lnkd.in/g-prV9hZ

In today’s economic climate, having varied investments has become a crucial step in maintaining financial stability and flexibility. Given the chaotic and volatile nature of the stock market, private mortgages have emerged as a compelling investment option for individuals seeking alternative avenues to grow their wealth. As traditional investment strategies face uncertainties, more investors are exploring the potential of private mortgages. In this guide, we will delve into the dynamics of private mortgages, analyzing the risks and rewards associated with this investment vehicle. Keep reading below. Have questions? Contact Clover Mortgage to book a free consultation today! https://lnkd.in/gEdeBXfm

🔑 Looking to boost returns in your Self-Directed IRA? Consider mortgage note investing! Here’s why: - 📈 **Higher Returns**: Earn more compared to traditional investments through interest payments. - 💰 **Steady Passive Income**: Enjoy regular income from borrowers’ payments. - 🏡 **Secured by Real Estate**: Your investment is backed by property, adding an extra layer of security. - 📊 **Diverse Options**: Choose between performing notes for stable cash flow or non-performing notes for higher potential returns. Ready to take your IRA to the next level? Let’s connect and explore how mortgage notes can fit into your strategy! Antron@ACDCapitalNotes.com 240-431-8196 #SDIRA #NoteInvesting #RealEstate #FinancialGrowth

The CURE for higher rates… might just be HIGHER rates! 😳 The 10 Year Treasury Yield is the rate of return when buying TREASURY BONDS! 💰 Treasury Bonds are the U.S. Governments DEBTS! During COVID years- the U.S. was funneling a LOT of money in, making the bond market strong in return, lowering mortgage rates! If we see investors start moving money into safer investments such as Treasury Bonds, which is common since our economy is a little rocky at the moment, it will HELP mortgage rates! So where im getting at is… higher rates means a rockier economy which causes a higher 10 Year Treasury Yield that will result in LOWER MORTGAGE RATES! If you found this helpful, give us a like! For more information: 📲Call or Text Us! 816.631.9687 📧dmcgowan@nexamortgage.com #mortgagebroker #homeloans #firsttimehombuyer #mortgageupdate #housingmarket #realestate #realtor #loanofficer #homebuyingtips #homeownertips #mortgagetip #economy #realestatetip #smartinvestor #titlecompany #mortgagelender #broker #wealth #housinginventory #housingmarketupdate #inflation #mortgagerates #housinginventory #economy #inflation #treasuryyield #investors

Understanding the effects of rising interest rates: 1. Are you aware of how interest rates affect your mortgage? 2. Do you track how your savings grow? 3. Are you planning for potential higher loan costs? 4. Do you understand how interest rates impact inflation? 5. Are you considering the impact on your investments? 6. Do you know how interest rates affect consumer spending? 7. Are you prepared for changes in credit card interest? 8. Do you know how businesses react to rising rates? 9. Are you aware of the impact on the housing market? 10. Do you understand the link between interest rates and unemployment? 11. Are you considering the effect on your retirement plans? 12. Do you know how interest rates influence exchange rates? 13. Are you ready for changes in borrowing costs? 14. Do you track how interest rates affect the stock market? 15. Are you aware of the impact on bond prices? 16. Do you understand the role of central banks in setting rates? 17. Are you prepared for changes in your monthly budget? 18. Do you know how interest rates affect global economies? Stay informed. Stay prepared. Manage your finances wisely.

Great Recession like 2010 may happen soon: Motor-vehicle lending, subprime lending showing signs of deeper stress The US economy risks could have long-drawn impacts due to major crisis concerning loan rates, including motor vehicle loans and mortgages. There are rumors that things like the Great Depression may arrive based on lending crisis in the United States, making things much more complex for the US economy. https://lnkd.in/gBkFzgdP

I shared this with a friend in the Investment Real Estate business last week, I thought some of you might find it enlightening. The More you Know!!!!!! Come find out more about business and finance use the link below to RSVP https://lnkd.in/gw_eUu-U Mortgage rates don't directly follow the federal funds rate. Instead, they typically move up and down with 10-year Treasury yields, because mortgage rates are largely impacted by investor demand. "Fixed mortgage rates are typically set based on the yield of the 10-year Treasury bond, This bond is usually the most closely monitored by investors. As the Federal Reserve raises short-term interest rates, the yield on the 10-year Treasury bond also tends to rise. This puts upward pressure on mortgage rates. The Fed's rate hikes can also signal to lenders that inflationary pressures may be increasing, which can lead lenders to raise their interest rates in response, including mortgage rates