Bob Caldwell's (rcaldwell) Blog

Mortgage and Lending - Fitzgerald Financial, a Division of Monarch Bank
From the Desk of Bob Caldwell The Credit Pendulum To Move Faster? My how time flies. The housing boom America experienced in the past is now almost a decade old. If anyone can remember that far back, the boom was made possible in part through an unregulated market for home loans which brought us ...
From the Desk of Bob Caldwell Why Are Home Prices Rising--Part Two Today, the U.S. population is just over 315 million. So that means that as much as 85 million people will be added in the next 30 years, or close to one million per year. A perspective? In 1900 the U.S. population was approximatel...
From the Desk of Bob Caldwell Why Are Home Prices Rising--Part One Statistics released this spring show that both new and existing home prices have risen significantly over the past twelve months. For example, the census bureau has indicated that the median price of a new home sold in April was $...
From the Desk of Bob Caldwell What Do Higher Rates Mean? We do not mean to beat a dead horse here; however the topic of higher interest rates seems to be dominating the headlines of the financial world. While these articles dissect the possible effects of higher rates on the stock markets, busine...
From the Desk of Bob Caldwell Rising Rates--Good News? Several articles debating the effect of higher interest rates upon the economy have appeared in major periodicals in the past few weeks. The majority of them come to the conclusion that the recent rise in rates represents good news. Not becau...
From the Desk of Bob Caldwell Why Rates Are Rising Several weeks ago we spoke about the reasons interest rates have been on an uptrend for the most part this year. The first thing we want to make clear is that the reasons have not changed. However, because we experienced a downtrend for a few wee...
From the Desk of Bob Caldwell Real Estate Report 5/30/13 With the housing rebound in full swing, “pocket listings” are growing in many parts of the country as some sellers look to preserve their privacy, and brokers use them to trigger an aura of exclusivity to a listing. But some in the industry...
From the Desk of Bob Caldwell What the Lower Deficits Mean Some good news was released by the Congressional Budget Office in the past few weeks. The astronomically high U.S. budget deficit is coming back down to earth this year. During the depths of the recession, the budget deficit approached $1...
From the Desk of Bob Caldwell Real Estate Report 5/22/13      Homeowners will see increases in the rates they pay for flood insurance soon with owners of vacation homes seeing the biggest jump. Though floods can bring walls of water 20 feet high, even a few inches of water can cause thousands of ...
From the Desk of Bob Caldwell A Lesson To Be Learned      Whipsaws and whiplash. We all know what the term whiplash means when someone gets into a car accident. When we hear the term, we envision a painful neck injury and maybe a neck brace. This term is also often used with the term "whipsaw" wh...

Bob Caldwell

VA Mortgage Specialist and Military Relocation Services
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