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Mortgage Market Update

click for larger imageTreasuries and mortgage rallied Friday on yet another weaker than expected employment report for July. Tomorrow Treasury begins its quarterly refunding with $34B of 3 yr notes auctioned at 1:00. The key economic data this week doesn't hit until Thursday and Friday with weekly claims, July retail sales, July CPI and the mid-month U. of Michigan consumer sentiment index. So far this morning the rate markets are managing to hold Friday's gains.

Want to know more on how the Mortgage Market directly effects mortgage rates or need an explanation of the candlestick chart above? Send us an email and we'll gladly provide an in depth article.  Realtors, ask about a detailed presentation on the Mortgage Market at your next office meeting.

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What Makes Me Tick: 

Let’s be real, mortgage scenarios, underwriting guidelines, and changing interest rates don’t really get my heart pumping.  I don’t wake up in the morning saying “Yes . . . today I get to run someone’s credit report and figure their debt to income ratio!”  So, how is it I still love my job?  My passion is taking care of people, helping make their dreams come true while making their day a bit brighter in the process.  Helping a Realtor enjoy their business more, holding the hand of a nervous first time buyer, making a title agent smile after a job well done -  Oh yes, that’s what makes me tick. 

To make someone’s day is the greatest joy I could possibly have.  So, I have taken this crazy lending world I have chosen to work in and added my own flavor.  I get to wake up every morning truly excited to answer calls and return emails with a smile that radiates through and makes that person’s day.  I have an opportunity every day to meet amazing new people and impact them with a positive attitude because I genuinely care.  That totally rocks my world and I hope I have the opportunity to show you that care and make your day!

So now that you know what gets my heart pumping, let me tell you a little about me personally.  I once read you truly know who a person is by the things they hold in their heart.  I believe that to be true.  What do I hold closest to my heart . . . my amazing family!  I have a very unique family and a long story to go with it – here’s the Cliff Notes version.

I grew up in a tiny town in Missouri, population 2,500.  I was a country girl with a great love of family, God and the outdoors.  My Freshman year in High School a new boy moved into town from Dallas, enter Lonnie.  You see, in a small town where you go to school with the same people since Kindergarten, that’s a really big deal . . . so the competition was on to get the boy.  I’m glad to say I won his affection and 18 years later I’m still the lucky winner and proud to be his wife. 

Lonnie was in the US Army for 8 years and during that time we traveled the world and this little country girl grew up fast.  Within our first year of marriage we faced our biggest struggle . . . at 19 years old I suffered a major stroke and was left unable to walk or talk.  Let’s just say God is amazing and my life wasn’t meant to end there.  That struggle became one of the biggest blessings in my life through a changed attitude and perspective.  I realized life is meant to be enjoyed and lived to the fullest, not just endured.  I choose to apply that perspective in every area of my life, as a wife, a mother, a friend and a business woman.

We have a wonderful 10 year old son Logan.  He is a never ending source of smiles and belly laughs with his fun loving ways.  Our family was completed 3 years ago with the adoption of 2 amazing little girls from an orphanage in Juarez, Mexico.  We met the girls while volunteering and hosting monthly birthday parties for the 30+ children.  When my girls, Alexa and Paola, arrived at the orphanage they were only 3 and 5.  Although we had no intentions of adopting, I knew without a doubt they were meant to be my girls and 9 months later, we brought them home.  Alexa is now 9 and is a brilliant, tender hearted girl who is truly Mommy’s best friend.  Paola now 8, is the prettiest girly girl you could ever meet and completes me as a Mother.

As a family, we all share a love for just having fun together.  Whether it’s camping, hiking, playing tennis, swimming, spontaneous road trips, or a game of Yahtzee, we do it together and we have a mighty fun time!  We’re constantly on the lookout for a reason to break out in a dance, eat from the Celebrate Plate and light the candles.  I take a daily “Little Spectaculars” photo to document the spectacular moments in each day for our family (by the way, you can view my “Little Spectaculars” photos on FaceBook).

Life is a Journey, why not make it a fun one?  I would love to be part of your life and share in the joys of meeting whatever needs you may have.

Loving Life,

Pamela Crim