Welcome to the FREEandCLEAR Blog! Our blog offers unique insights on the latest mortgage market news and trends. We also use our blog to shine a spotlight on important topics that are shaping the real estate and mortgage markets including housing affordability, socioeconomic developments and financial literacy. We are always adding interesting features to the FREEandCLEAR Blog so sign up below to receive our Mortgage Market Update and other posts or check back frequently.

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Could the Big Short Happen Again?POSTED: Wednesday February 10, 2016

The movie The Big Short has thrust the mortgage and real estate markets into the spotlight again.  The movie does an excellent job of explaining very complicated financial issues while also powerfully conveying the emotionally devastating effects of the collapse of the real estate market and economy in 2008.  Some of the most poignant scenes […]

Mortgage Market Weekly UpdatePOSTED: Sunday February 07, 2016 Weekly Mortgage Market UpdatePOSTED: Friday January 29, 2016
Pending Home Sales DisappointPOSTED: Wednesday July 29, 2015

The National Association of Realtors pending home sales index tracks the number of existing homes that went into contract to be sold.  When a home seller and buyer agree to the price and terms of a home sale, they sign a contract that outlines the transaction details and the property is said to be “under […]

Mortgage Apps Flat (Again)POSTED: Wednesday July 29, 2015

At FREEandCLEAR, we follow the Mortgage Bankers’ Association (MBA) mortgage applications index which measures both purchase and refinance applications for mortgage lenders across the country.  An increase in the MBA applications index reflects an increase in mortgage applications while a decrease in the index reflects a decline in mortgage applications.   The mortgage applications index […]

Mortgage Rates Unchanged after Fed AnnouncementPOSTED: Wednesday July 29, 2015

The Federal Reserve determines monetary policy in the United States, and monetary policy, in turn, is one of the most important factors in determining mortgage interest rates.  So when the Federal Reserve speaks, FREEandCLEAR listens closely and passes along our insights to the the FREEandCLEAR community.  The Federal Reserve sets a target for the Federal […]

Home Prices Mixed in MayPOSTED: Tuesday July 28, 2015

There are two primary measures of housing prices that we track at FREEandCLEAR: the Federal Housing Finance Agency (FHFA) House Price Index, which uses certain nationwide mortgage activity to track home prices and the S&P / Case-Shiller Home Price Index, which tracks home prices in 20 U.S. metropolitan markets.  Both indices are reported on a […]

New Home Sales Break StreakPOSTED: Friday July 24, 2015

In our effort to cover important trends that affect the mortgage market, FREEandCLEAR keeps a close eye on new home sales, which is the number of newly constructed housing units that are sold in a month.  The new home sales figure is reported separately from the existing home sales figure, which is the number of […]