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re: Fed Reserve Bank of Dallas President: Fed may need to raise interest rates this year
Posted on 6/4/26 at 9:50 am to Sharlo
Posted on 6/4/26 at 9:50 am to Sharlo
quote:
Spending $1B a day in Iran, every day, for the rest of the year and beyond will absolutely drive inflation.
Buckle up.
Government printing and spending of money absolutely drives inflation. And so does injecting money into the economy with no good or service returned.
So if and when universal basic income (giving people money for doing/producing nothing) or the $25 minimum wage become a thing, watch out. It would be like the covid stimulus on steroids and make that inflation look like child's play.
The laws of economics unfortunately continue to be a thing no matter how much a certain political persuasion do not want them to be.
This post was edited on 6/4/26 at 9:52 am
0
Posted on 6/4/26 at 9:51 am to TejasHorn
Right
The market is a combination of a few things. Those who put their price and don't have to sell, so they won't budge, and those who have to sell but have no room to budge.
Due to my business, I usually know when a house is venturing into the 60-90 day late mark, and I can look that house up on the MLS and see they have zero room.
As I said, it should be a buyer's paradise but we have stubborn pricing, and the damn hasn't broken yet.
The market is a combination of a few things. Those who put their price and don't have to sell, so they won't budge, and those who have to sell but have no room to budge.
Due to my business, I usually know when a house is venturing into the 60-90 day late mark, and I can look that house up on the MLS and see they have zero room.
As I said, it should be a buyer's paradise but we have stubborn pricing, and the damn hasn't broken yet.
Posted on 6/4/26 at 9:54 am to stout
quote:
As I said, it should be a buyer's paradise but we have stubborn pricing, and the damn hasn't broken yet.
how many of the buyer are also seller's?
that aspect of all this makes it a big game of chicken
first time home buyers are priced out, mostly
Posted on 6/4/26 at 9:54 am to ragincajun03
I think Trump’s Israel First agenda just might be hurting Americans.
Posted on 6/4/26 at 9:58 am to Dire Wolf
NAR and Redfin claim repeat buyers are around 79%, but not all of them are currently selling a home.
LINK
quote:
That does not mean every one of those 1.07 million has an active listing right now. Some may have already sold, may keep their old home as a rental, may buy before selling, or may be relocating from a home not currently listed. Redfin’s April 2026 estimate says sellers outnumbered buyers by about 46.5%–47%, and its March estimate put the gap around 600,168 more sellers than buyers.
LINK
Posted on 6/4/26 at 10:04 am to waiting4saturday
quote:
all the folks who saw those 2% interest rates and thought they could afford a $750k-$1M house in 2021/2022 realizing they can't make ends meet since their insurance and property taxes have doubled
I wish I could get 2%. I’m stuck in the high 6s
Posted on 6/4/26 at 10:05 am to ragincajun03
Per Google: The national average 30-year fixed-rate mortgage is hovering around 6.58%
Posted on 6/4/26 at 10:08 am to stout
quote:Not that I know of.
Are you saying Fed rates don't affect insurance rates at all?
Insurance rates are influenced by the number and amount of claims filed.
Most insurance companies balance, or hedge, their borrowing activities with their lending (cash investing) positions so overnight changes in rates have a neutral effect on their net interest margin.
quote:Nah. There is a negligible effect on fixed rate mortgage loans by overnight fed funds rates.
Buyer demand evaporates due to elevated borrowing costs and that has caused stagnation in the market. Stagnation means people who need to sell to avoid foreclosure can't sell in time. Guess in your attempt to correct me, you overlooked that bit.
Fixed rate loans are based on alternative investments of similar maturity, such as 3, 5 & 10 year Treasury bonds, not on overnight rates.
A simple proof of that is we've seen the Fed's lowering of overnight rates over the last year while T-bond & note rates have gone UP significantly during that same time, which has led to higher mortgage loan rates.
Posted on 6/4/26 at 10:11 am to ragincajun03
Just imagine where we would be had Trump not started bombing Iran.
Posted on 6/4/26 at 10:21 am to stout
quote:
That does not mean every one of those 1.07 million has an active listing right now. Some may have already sold, may keep their old home as a rental, may buy before selling, or may be relocating from a home not currently listed. Redfin’s April 2026 estimate says sellers outnumbered buyers by about 46.5%–47%, and its March estimate put the gap around 600,168 more sellers than buyers.
god speed to anyone in the market, who the hell knows what is going to be happening in the next year
Posted on 6/4/26 at 10:23 am to LSURussian
quote:
There is a negligible effect on fixed rate mortgage loans by overnight fed funds rates.
Fixed rate loans are based on alternative investments of similar maturity, such as 3, 5 & 10 year Treasury bonds, not on overnight rates.
Fixed-rate mortgages are not set by the overnight fed funds rate, but it is wrong to say the effect is “negligible.”
The 10YY is heavily influenced by expectations for future short-term rates
This post was edited on 6/4/26 at 10:25 am
Posted on 6/4/26 at 10:23 am to ragincajun03
Thanks, Iran conflict.
Posted on 6/4/26 at 10:28 am to Gee Grenouille
You being an American born and raised here falling behind to illegal immigrant level is what’s truly sad. Had everything on a silver platter for you to lose to a guy wearing rope for shoes
Posted on 6/4/26 at 10:30 am to ragincajun03
If you want RE prices to go down and force PE to play their hand this the way.
Posted on 6/4/26 at 10:33 am to Scruffy
He must really love the Jews because higher rates hurt rich people too
Posted on 6/4/26 at 10:33 am to ragincajun03
They often make the same noises right before a recession and then end up reversing themselves. The bigger danger with a supply shock driven rise in fuel prices is more about recession than inflation.
Posted on 6/4/26 at 10:33 am to Dire Wolf
quote:
god speed to anyone in the market, who the hell knows what is going to be happening in the next year
We will be selling our house next year. My realtor swears my house will sell within a week. We shall see.
Luckily we don't have to buy.
Posted on 6/4/26 at 10:34 am to fareplay
quote:
You being an American born and raised here falling behind to illegal immigrant level is what’s truly sad. Had everything on a silver platter for you to lose to a guy wearing rope for shoes
I'm actually surprised, considering my humble beginnings and blatant stupidity, that I became a Dave Ramsey every day millionaire, have 3 college degrees, and have very little debt for my age.
Speaking of the 3 college degrees, part of the costs of goods is the demand for them. If there weren't 50 million people here illegally, goods would be cheaper. That's just a fact.
Posted on 6/4/26 at 10:34 am to ragincajun03
End the Fed.
Posted on 6/4/26 at 10:36 am to fareplay
quote:
You being an American born and raised here falling behind to illegal immigrant level is what’s truly sad. Had everything on a silver platter for you to lose to a guy wearing rope for shoes
No American, rich or poor, should have to compete with any individual who should not be here.
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