Newsletters

I write a monthly newsletter that I provide free of charge to former clients, real estate and financial professionals.  The newsletter has a basic format which includes current events as they impact upon mortgage rates, a featured topic for discussion and regular columns like "Morty's Mailbag" where recipients are invited to ask mortgage and real estate questions.

My staff and I have sought to make these archived newsletters available by volume number and issue number e.g., 1.1.  We've also cross-referenced them by featured topic e.g., "Bi-Weeklies" and the time of year they appeared e.g., Summer 2004 or June 2005.

The "Current Issue" and all past editions require the Adobe® Reader®.

Please follow the instructions on the Forms page if you do not have that complimentary, free software.

Please click the below links for either the current or a previous edition.
 

Current Issue

 

Past Issues

January         13.1 2016

Health Care Reform:  Two Perspectives

February 13.2 2016

The Annual Forecast for 2016

March 13.3 2016

Selling a Home In 2016? Consider the Following....

April 13.4 2016

Interest Only Loans Are Back

May 13.5 2016

Effect of the Presumptive Nominees' Policies - Economic

June 13.6 2016

Custom Mortgages

July 13.7 2016

Fixer-Uppers

August 13.8 2016

Odds and Ends II

September 13.9 2016

What's the Value of Having a Mortgage Broker?

October 13.10 2016

The Election

November 13.11 2016

Trended Credit Data (TCD)

December 13.12 2016

The 2016 Real Estate All Stars

       
January 12.1 2015

The Mid Term Election

February 12.2 2015

The Annual Forecast for 2015

March 12.3 2015

Infrastructure

April 12.4 2015

Reproductive Rights and Prevention

May 12.5 2015 What Your FICO Score Is and Is Not
June 12.6 2015 Wealth and Income Inequality 2.0
July 12.7 2015 The Utter Repudiation of Supply-Side Economics
August 12.8 2015 Everything You Need To Know About Reverse Mortgages
September 12.9 2015 Rising Interest Rates?  For Some, They've Already Risen
October 12.10 2015 The 30 Year Fixed Rate Mortgage Is a Waste of Money
November 12.11 2015 The Economy In 10 Charts
December 12.12 2015 The 2015 Real Estate All Stars
       
January 11.1 2014

What's New In 2014

February 11.2 2014

The Annual Forecast for 2014

March 11.3 2014 Income Inequality
April 11.4 2014 Jobs
May 11.5 2014 Immigration Reform
June 11.6 2014 Entitlements
July 11.7 2014 The War on Drugs
August 11.8 2014 Affordable Care Act (Obamacare)
September 11.9 2014

Climate Change

October 11.10 2014 Climate Change Part (Part II)
November 11.11 2014 Incarceration and Capital Punishment
December 11.12 2014

The 2014 Real Estate All Stars

       
January 10.1 2013

The Annual Forecast for 2013

February 10.2 2013

Odds and Ends

March 10.3 2013

More Odds 'N' Ends

April 10.4 2013

Escrow 2.0

May 10.5 2013

Miscellany

June 10.6 2013

Complications Facing the Housing Recovery

July 10.7 2013

Surging Bond & MBS Yields and Rising Mortgage Rates

August 10.8 2013

The Most Common Mistake Homeowners Make

September 10.9 2013

Various

October 10.10 2013

Are Tea Party Republicans Insane?

November 10.11 2013

The Deficit, the National Debt & the Debt Ceiling

December 10.12 2013

The 2013 Real Estate All Stars

       
January 9.1 2012

Mortgage Bankers vs. Mortgage Brokers

February 9.2 2012

The Annual Forecast for 2012

March 9.3 2012

Jumbos

April 9.4 2012

Interest Only Loans - What They Are

May 9.5 2012

Portfolio Loans

June 9.6 2012

Mortgage Insurance

July 9.7 2012

Appraisals, An Update

August 9.8 2012

Buying a Home - With a Reverse Mortgage

September 9.9 2012

Interest Rate Determinants (2.0)

October 9.10 2012

A Glossary of Fees

November 9.11 2012

Settlement Fees 2.0

December 9.12 2012

2012 Realtor All - Stars

       

January

8.1

2011

The Annual Forecast for 2011

February

8.2

2011

FSBOs - A Theoretical Approach

March 8.3 2011

Has The Housing Market Bottomed?

April 8.4 2011

Loans That Borrowers and Realtors Are Unaware Of

May 8.5 2011

What Would You Do, If You Were Me?

June 8.6 2011

Qualifying

July 8.7 2011

Your Home - How to Help It Sell In Tough Times

August 8.8 2011

Hard Money Loans

September 8.9 2011

Terms - 15 vs. 20 vs. 30 vs. 40

October 8.10 2011

Indexes Revisited

November 8.11 2011

Short Sales 2.0

December 8.12 2011

Realtors - Some of the Best

       

January

7.1

2010

The Annual Forecast for 2010

February

7.2

2010

Buying Foreclosures & Short Sales

March

7.3

2010

Living Trusts & Powers of Attorney

April

7.4

2010

The “Right” Realtor (the listing agent)

May

7.5

2010

The "Right" Realtor (the buyer's agent)

June

7.6

2010

The 6 Biggest Mistakes Homebuyers Make

July

7.7

2010

For Sale By Owners (FSBOs)

August

7.8

2010

How To Buy A Foreclosure

September

7.9

2010

Housing Trends In a Bipolar Market

October

7.10

2010

'Worthwhile' Remodeling Projects

November

7.11

2010

The Second Biggest Mistake Borrowers' Make

December

7.12

2010

Seven First - Rate Realtors

       

January

6.1

2009

The Annual Forecast for 2009

February

6.2

2009

The Solution to the Current Economic Crisis

March

6.3

2009

Another 'Modest Proposal'

April

6.4

2009

The Homeowner Affordability and Stability Plan (HASP)

May

6.5

2009

Letters of Explanation

June

6.6

2009

VA Loans

July

6.7

2009

Insurance

August

6.8

2009

The Inflation vs. Deflation Debate

September

6.9

2009

The Truth-In-Lending Act

October

6.10

2009

FHA's

November

6.11

2009

Letters of Explanation 2.0

December

6.12

2009

Verifications

       

January

5.1

2008

Annual Forecast Or Another Long Overdue Correction

February

5.2

2008

Annual Percentage Rate (APR)

March

5.3

2008

Everything You Wanted To Know About Title Insurance

April

5.4

2008

Current Events

May

5.5

2008

My 15 Minutes of Fame

June

5.6

2008

Alt - A Loans

July

5.7

2008

What Makes A Good Mortgage Broker Good

August

5.8

2008

Mortgage Meltdown Revisited

September

5.9

2008

Fixed Rate Mortgages

October

5.10

2008

What To Know About Escrow

November

5.11

2008

Buy downs Revisited

December

5.12

2008

Down Payments

       

January

4.1

2007

Interest Rate Determinants (Part I)

February

4.2

2007

Interest Rate Determinants (Part II)

March

4.3

2007

Mindset of Buyers, Borrowers and Brokers

April

4.4

2007

Top Ten Mistakes Buyers Make When Buying a Home

May

4.5

2007

The Sub Prime Debacle

June

4.6

2007

Top Ten Mistakes Buyers Make When Refinancing

July

4.7

2007

Top Ten Mistakes Buyers Make In Securing a HELOC

August

4.8

2007

Appraisals

September

4.9

2007

Loan Rate Locks

October

4.10

2007

Short Sale

November

4.11

2007

Pre-Quals, Pre-Approvals and Approvals Revisited

December

4.12

2007

Which Home Improvements Pay Back

       

January

3.1

2006

Hard Money Loans

February

3.2

2006

1031's & Tax Deferred Exchanges

March

3.3

2006

New Revolving Debt Regulations

April

3.4

2006

Reverse Mortgages

May

3.5

2006

Different Types of Loan Doc Programs

June

3.6

2006

What Most of You Don't Know About Money & Mortgages

July

3.7

2006

New Loan Products

August

3.8

2006

New FICO Scoring Model

September

3.9

2006

Seconds

October

3.10

2006

Private Mortgage Insurance

November

3.11

2006

Buy Downs

December

3.12

2006

Far Out Loans, As in 40 & 50 Years

       

Winter

2.1

2005

ARM Loans

Spring

2.2

2005

Closing Costs

Spring

2.3

2005

Lender Fees

Summer

2.4

2005

Title Fees

Summer

2.5

2005

Terms: 15, 20 & 30 Years

Summer

2.6

2005

Bi-Weeklies

Fall

2.7

2005

Pre-Payment Penalties

Fall

2.8

2005

The Home Ownership Accelerator

Fall

2.9

2005

ARM's & Deferred Interest Loans

Winter

2.10

2005

Indexes

       

Summer

1.1

2004

Pre-Qualified vs. Pre-Approved & Loan Approval

Summer

1.2

2004

Loan Qualifying

Fall

1.3

2004

The Two Biggest Mistakes Borrowers' Make

Copyright © 2019 Rod Haase.  All rights reserved.