Sandy Choi's Market Update - Aug.12, 2013
Updated Oct. 9, 2013
August 12, 2013 - There were no economic reports released today to begin the new trading week. The rest of the week's calendar is packed with reports that will show a broad view as to how the U.S. economy is holding up in the second quarter. There will be readings on manufacturing, housing, inflation, retail...

Market Update
Updated Oct. 9, 2013
The job markets continue to improve and this morning the Labor Department reported that Americans filing for first time unemployment benefits rose slightly in the latest week as weekly initial jobless claims were up 5,000 to 333,000. Looking back to 2007, weekly claims in August of that year were 316,000. Then...

Aug. 9 Market Update
Updated Oct. 9, 2013
Happy Aloha Friday from Hawaii! If you or someone you know, needs info for Hawaii markets, feel free to contact me at 808-443-5002. Make it a great day!. The capital markets are quiet today as the dog days of summer drag on with major players away for the month and traders escaping from their desks to start the weekend...

Sandy Choi's Daily Market Update - Aug. 13, 2013
Updated Oct. 9, 2013
Advice for the day: Consider Locking Your Clients. Bonds are lower and following through on yesterday's losses as prices are responding negatively to good economic news here and abroad. The recent pricing gains in Mortgage Bonds have been met with a glut of sellers as investors remain jittery over...

Sandy Choi's Daily Market Update - Aug. 14, 2013
Updated Oct. 9, 2013
Tame inflation at the wholesale level is supporting Bonds so far this morning. However, Traders still remain defensive ahead of a stream of economic data set for the rest of the week.Inflation is non-existent at the moment and is a major reason why the Fed's QE will continue for some time to come. Dennis...

Renters Have Much To Gain by Pursuing Home Ownership
Updated Oct. 9, 2013
Buying a home vs. renting is a big decision that takes careful consideration, as most mortgage consultants will agree. But the rewards of home ownership are great. For many years, purchasing real estate has been considered an extremely profitable investment. It is an achievement that offers a sense of pride,...

What Lenders Look For In Home Loan Applications
Updated Oct. 9, 2013
Once your loan application is filled out and sent to the lender for review, the first thing they will look for is your ability to pay back the loan you are requesting. My team and I have a streamlined loan process to help you get your ducks in a row prior to this review. A grand slam loan package is in perfect order and...

Home Buyers Face Decisions that Affect Their Long-Term Financial Picture
Updated Oct. 9, 2013
Kailua-Kona, HI - Taking the step into home ownership is one of the most important financial decisions a person will make in their lifetime. There are many factors to consider when embarking on this venture. Literally hundreds of loan programs are available, and it is important to find the one that best fits your...

What is the Velocity of Money and How Does it Impact Home Loan Rates?
Updated Oct. 9, 2013
If you've been watching the economic news, you've probably noticed that market experts and traders have been keeping a close eye on the Commerce Department's Personal Spending and Personal Income reports. Obviously, those reports provide insight into the health of our economy, but did you...