Real Estate Jerky Daily

Ed Parcaut and Mike Kelly cover Stanislaus County housing numbers, mortgage-rate pressure, the 10-year Treasury, oil and Strait of Hormuz headlines, Gulf production shutdowns, jobless claims, the California FAIR Plan increase, a viral Detroit listing, lender stress, Community Corner events, and sponsor opportunities. Stanislaus County added 10 closings, with 827 active listings and 344 pending sales. Mortgage pricing worsened by about 20 basis points as the 10-year Treasury sat around 5.30. Ed also explains why oil remains the biggest market problem, with tanker attacks near the Strait of Hormuz and Tropical Storm Isis shutting down part of U.S. Gulf production. A fast Real Estate...

Ed Parcaut and Mike Kelly cover mortgage lock alerts, the 10-year Treasury, France bond-market pressure, Treasury auction concerns, local Stanislaus County closings, falling mortgage applications, lender credit-score changes, California inventory, price reductions, FAIR Plan exposure, home-hardening savings, the silver tsunami, and reverse mortgage strategy. Stanislaus County started October with 34 closings, 348 pending sales, and 826 active listings. Mortgage applications fell 2.6%, purchase applications dropped 6%, and refinances fell 8%. Ed also explains why rate volatility is back, why some lenders are lowering credit-score floors, and why seniors with home equity may need to look at reverse mortgage options before credit-card pressure gets worse. A fast...

Ed Parcaut and Mike Kelly cover AI workflow problems, ChatGPT image issues, Canva fixes, Claude automation, Stanislaus County closings, national inventory, price reductions, mortgage rates, Treasury spreads, AI-company debt, ADP jobs, and reverse mortgage strategy. Stanislaus County finished September with 290 closings, 833 active listings, and 346 pending sales. National inventory rose to 902,112, median list price dropped to $436,490, and price cuts climbed to 42.83%. Ed also explains why mortgage rates are sitting around 7.57%, with the 10-year Treasury near 5.2624, and how Treasury supply and AI-company borrowing are competing for bond buyers. A fast Real Estate Jerky Daily update with the usual bite. Contact and Social...

Ed Parcaut and Mike Kelly cover Stanislaus County closings, the BLS jobs report, unemployment, major jobs revisions, mortgage pricing swings, oil reserve headlines, the 10-year Treasury, Community Corner event fixes, and buyer opportunity. Stanislaus County September closings reached 279, up from 260 the day before. The BLS jobs report showed only 29,000 jobs added in September, with unemployment ticking up to 4.2%. July was revised to a loss of 10,000 jobs, and August was revised down to 133,000. Ed also explains how mortgage pricing flipped from better to worse during the morning as the 10-year Treasury moved near 5.25. A fast Real Estate Jerky Daily market update...

Ed Parcaut and Mike Kelly cover AI workflows, Claude, ChatGPT, Helping The Brave, Stanislaus County housing numbers, jobless claims, the upcoming BLS jobs report, ISM manufacturing, RealEstateJerky.com's Community Corner, newsletter automation, and local event discovery. Stanislaus County showed 826 active listings, 354 pending sales, and 269 closed transactions for September. Initial jobless claims came in at 197,000, while continuing claims remained around 1.7 million. Ed and Mike also preview the BLS jobs report and talk about why AI is becoming essential for websites, newsletters, calendars, and daily business workflows. A fast Real Estate Jerky Daily update with the usual bite. Contact and Social Links: 🔗 **Fol...

Ed Parcaut and Mike Kelly cover Stanislaus County closings, mortgage applications, ADP jobs, GDP, PCE inflation, oil, Fed hike odds, California homeownership assistance ideas, SB 24 builder-cost transparency, and a home contractor warning. Stanislaus County reached 250 closings, with 367 pending sales and 833 active listings as September wraps up. Mortgage applications fell as rates rose to 7.30%. Purchase volume dropped 4% for the week and 14% year over year, while refinances fell 9% and remained down 56% from last year. Ed also explains why stronger jobs, better GDP, lighter PCE inflation, oil routes, and Fed expectations all matter for mortgage rates. A fast Real Estate Jerky Daily update...

Ed Parcaut and Mike Kelly cover Stanislaus County closings, mortgage-rate pressure, oil prices, Fed hike odds, home-price reports, existing home sales, rents, jobs data, consumer confidence, California housing bills, and the Mr. Beast house. Stanislaus County reached 238 closings for September. Mortgage pricing worsened by roughly 26 to 28 basis points, while the 10-year Treasury sat near 5.28. Ed also explains why this is a lock market, why rates are moving faster than home prices, and why buyers still have leverage when fewer people are writing offers. A fast Real Estate Jerky Daily market update with the usual bite. Contact and Social Links: 🔗 **Follow us...

Ed Parcaut and Mike Kelly cover Stanislaus County housing activity, national inventory, price reductions, a major mortgage lock alert, Treasury yields, oil pressure, Iran headlines, seller buydowns, and upcoming economic reports. Stanislaus County showed 848 active listings, 371 pending sales, and 229 September closings so far. National inventory rose to 895,398, while price reductions climbed to 42.51%. Ed also explains why mortgage pricing worsened by about 63 basis points as the 10-year Treasury moved to 5.2635 and oil pressure stayed high. A fast Real Estate Jerky Daily market update with the usual bite. Contact and Social Links: 🔗 **Follow us:**
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Ed Parcaut and Mike Kelly cover local Stanislaus County housing activity, California sales trends, mortgage-rate pressure, national inventory, consumer sentiment, durable goods, and state housing mandates. Stanislaus County showed 869 active listings, 364 pending sales, and 209 September closings so far. California closed sales were down 18.2% from the prior week, pending sales were down 34.7%, and price reductions remained high at 41.2%. Ed also explains why his rate model points toward locking, with mortgage rates around 7.45% and the 10-year Treasury near 5.20. A fast Real Estate Jerky Daily update with the usual bite. Contact and Social Links: 🔗 **Follow us:**
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Ed Parcaut and Mike Kelly cover Stanislaus County real estate numbers, mortgage-rate pressure, Treasury yields, jobless claims, new home sales, diesel prices, and local community events. Stanislaus County showed 866 active listings, 374 pending sales, and 190 September closings so far. Mortgage pricing worsened again as the 10-year Treasury hit 5.16, the highest level discussed since 2007. Ed and Mike also review jobless claims at 197,000, continuing claims rising, new home sales up 6.4%, diesel costs, and the new RealEstateJerky.com Community Corner. A fast Real Estate Jerky Daily update with the usual bite. Contact and Social Links: 🔗 **Follow us:**
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Ed Parcaut and Mike Kelly cover Stanislaus County closings, mortgage applications, refinance weakness, a major lock alert, Treasury yields, oil headlines, Iran talks, China and rare earths, diesel costs, and AI tools for podcast production. Stanislaus County reached 182 September closings, while active listings slipped slightly and pending sales rose by two. Mortgage applications fell 1.5%, purchase applications were down 1% for the week and 11% year over year, and refinances were down 62% from one year ago. Ed also explains why mortgage pricing worsened by about 61 basis points as the 10-year Treasury jumped to 5.081. A fast Real Estate Jerky Daily market update with the...

Ed Parcaut and Mike Kelly introduce the new RealEstateJerky.com and cover local Stanislaus County real estate numbers, AI tools, oil headlines, ADP job growth, mortgage pricing, and homeowners insurance issues. Stanislaus County closings jumped to 171, pending sales held at 371, and active listings sat around 873. Ed also explains how AI tools like ChatGPT, Opus Clips, and Suno helped build show assets and content. The episode closes with a serious insurance warning: water claims can stay on a CLUE report and create expensive problems for future buyers and sellers. A fast Real Estate Jerky Daily update with the usual bite. Contact...

Ed Parcaut and Mike Kelly cover a short sale entering escrow, Stanislaus County closings, national inventory, price reductions, mortgage pricing, oil prices, Iran talks, Houthi attacks, and buyer opportunity. National inventory rose by 16,325 to 890,303, while days on market stayed at 70 and price reductions remained above 42%. Locally, Stanislaus County reached 158 closings for September so far. Ed also explains why mortgage pricing improved by about 24 basis points as WTI crude fell below $100, and why buyers who are prepared may still find negotiating room in today's market. A fast Real Estate Jerky Daily update with the usual bite. Contact and Social Links: 🔗 **Follow us...

Ed Parcaut and Mike Kelly cover California housing data, mortgage-rate pressure, the 10-year Treasury crossing 5%, diesel costs, pipeline repairs, wire fraud warnings, luxury real estate stories, and AI listing-photo mistakes. California closed sales fell 32.4%, pending sales dropped 28.3%, and price reductions stayed near 40.9%. Mortgage pricing worsened by about 31 basis points, while the 10-year Treasury moved near 5.00. Ed and Mike also discuss California diesel at $8.34 a gallon, why fuel costs affect housing, how wire fraud continues targeting buyers, and why real estate agents must carefully review AI-edited listing photos. A fast Real Estate Jerky Daily update with the usual bite. Contact and...

Ed Parcaut and Mike Kelly cover the Fed reaction, mortgage pricing, Treasury yields, pending home sales, jobless claims, housing starts, building permits, Stanislaus County listings, wire fraud, prime rate, and California tappable equity. Mortgage pricing improved by about 36 basis points after Fed comments, while the 10-year Treasury sat near 4.9467. Pending home sales rose only 0.3%, missing expectations for a 2% gain. Ed and Mike also discuss initial jobless claims falling to 196,000, housing starts at a 1.275 million annualized pace, permits at 1.394 million, and why the country still is not building enough homes. A short Real Estate Jerky Daily update with the usual bite.<...

Ed Parcaut and Mike Kelly cover Fed decision day, mortgage pricing, the 10-year Treasury, builder confidence, retail sales, mortgage applications, refinances, and Stanislaus County real estate activity. Mortgage pricing improved by about 28 basis points, while the 10-year Treasury sat near 4.95. Builder confidence fell to 32, current sales dropped to 35, and buyer traffic stayed at 23. Retail sales rose 1.2% in August, but mortgage applications fell 4.1%. Purchase applications dropped 1%, and refinances fell 9% for the week and 65% year over year. A fast Real Estate Jerky Daily market update with the usual bite. Contact and Social Links: 🔗 **Follow us:**
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Ed Parcaut and Mike Kelly cover Stanislaus County closings, rising listings, pending sales, the 10-year Treasury near 5%, WTI oil over $100, Fed hike expectations, ADP jobs, manufacturing data, Flock camera privacy concerns, and buyer offer tactics. Stanislaus County closings jumped to 119, listings rose by about 40 overnight, and pending sales moved to around 358. Meanwhile, the 10-year Treasury tested the 5% level, oil stayed above $100, and Fed futures priced in a 92% chance of a 25 basis point hike. Ed and Mike also discuss why buyers are still writing offers, why sellers should be careful with counters, and why Flock cameras in neighborhoods raise privacy questions...

Ed Parcaut and Mike Kelly cover September 11, oil prices, CPI inflation, gasoline costs, mortgage rates, Stanislaus County listings, California housing numbers, and whether buying now beats waiting. Oil moved above $102, Brent closed near $107, and gasoline rose 27% year over year. CPI increased 0.4% month over month and remained at 3.4% year over year, while core CPI rose 0.3% for the month. Stanislaus County reached 853 active listings, 75 September closings, and California price reductions held around 41.3%. A fast Real Estate Jerky Daily market update with the usual bite. Contact and Social Links: 🔗 **Follow us:**
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Ed Parcaut and Mike Kelly cover a rough mortgage-rate day, with mortgage pricing worsening by about 39 basis points and the 10-year Treasury near 4.92. They also discuss oil over $100, jobless claims at 206,000, continuing claims near 1.774 million, and PPI rising 0.4% month over month and 5.4% year over year. Locally, Stanislaus County reached 63 September closings with about 384 pending sales. Ed also shares that a VA appraisal came back in less than 24 hours, showing how slow transaction volume can affect turn times. A quick Real Estate Jerky Daily update with the usual bite. Contact and Social Links: 🔗 **Follow us:**
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Ed Parcaut and Mike Kelly cover a fast-moving mortgage market as a lock alert hits, mortgage pricing worsens by about 18 basis points, the 10-year Treasury moves near 4.84, and oil climbs over $100. They also discuss buyer affordability, ADP job growth at about 48,000 over four weeks, mortgage applications down 2.7%, refinance applications down 25% year over year, and Stanislaus County breaking 800 active listings. Ed and Mike also talk about RE/MAX leadership changes, Treasury buybacks, FICO and VantageScore use, and why real estate professionals need to get back to basics in a slower market. A short Real Estate Jerky Daily update with the usual...

Ed Parcaut and Mike Kelly cover Stanislaus County listings, September closings, oil prices, small business optimism, CPI and PPI week, national inventory, price reductions, and home value resilience. Stanislaus County showed 802 active listings, 376 pending sales, and 42 September closings so far. National inventory rose by 3,909, median list price moved near $439,900, days on market held at 70, and price reductions reached 42.14%. Ed and Mike also discuss oil near $93, diesel costs, NFIB small business optimism falling to 98.7, upcoming inflation reports, and why seller timing matters before winter hits mountain markets. A fast Real Estate Jerky Daily update with the usual bite. Contact and Social...

Ed Parcaut and Mike Kelly cover the September housing market, Labor Day weekend, Stanislaus County activity, California weekly sales, the BLS jobs report, mortgage-rate pressure, seller credits, appraisals, VA buyers, and mortgage industry layoffs. Stanislaus County opened September with 19 closings, 380 pending sales, and 787 active listings. California weekly data showed closed sales down 7.6%, pending sales down 13.8%, and price reductions at 41.4%. Ed also explains how seller credits can help buyers cover closing costs, why appraisals are still coming in strong, and why a stronger-than-expected jobs report pushed mortgage pricing worse. A fast Real Estate Jerky Daily market update with the usual bite...

Ed Parcaut and Mike Kelly cover Stanislaus County closings, mortgage pricing, Treasury yields, Fed Governor Christopher Waller's inflation comments, jobless claims, private labor-market weakness, oil prices, and lender fee transparency. Stanislaus County finished August with 276 closed transactions, while active listings fell to 749 and pending sales rose to 359. Mortgage pricing improved by about 23 basis points, with the 10-year Treasury near 4.746. Ed also explains why borrowers should compare the full lender fee structure, not just the quoted rate or discount points. A fast Real Estate Jerky Daily market update with the usual bite. Contact and Social Links: 🔗 **Follow us:**
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Ed Parcaut and Mike Kelly cover ADP job growth, mortgage-rate pressure, mortgage applications, refinances, California housing numbers, Stanislaus County closings, oil flow through the Strait of Hormuz, and CFPB oversight. ADP employment came in at 38,000 jobs, the weakest reading in seven months. Mortgage applications were flat, purchase activity was unchanged year over year, and refinance activity was down 19% year over year. Ed and Mike also discuss the 10-year Treasury near 4.798, mortgage pricing worsening by about 4 basis points, California price reductions rising to 41.4%, and Stanislaus County reaching 283 August closings. A fast Real Estate Jerky Daily market update with the usual bite...

Ed Parcaut and Mike Kelly cover the September housing market, mortgage-rate pressure, buyer affordability, seller price reductions, inventory trends, and Central Valley real estate activity. As fall begins, buyers are still focused on monthly payment, sellers are adjusting expectations, and local market conditions matter more than broad national headlines. Ed and Mike also discuss why buyers need updated pre-approvals, current payment numbers, and a clear loan strategy before writing offers. A fast Real Estate Jerky Daily market update with the usual bite. Contact and Social Links: 🔗 **Follow us:**
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Ed Parcaut and Mike Kelly cover rising national housing inventory, price reductions nearing 42%, California sales slowing, PCE inflation, new home sales, builder inventory, ADP job growth, USDA loans, appraisal timing, and buyer payment caution. National inventory rose to 874,784, median list price fell to $442,500, days on market stayed at 63, and price reductions reached 41.97%. Stanislaus County showed 788 active listings, 378 pending sales, and 228 August closings so far. Ed and Mike also discuss new home sales falling 10.5%, builders sitting on nearly 10 months of unsold inventory, ADP employment running near 50,000 jobs for the month, and why buyers need to look at net income before taking...

Ed Parcaut and Mike Kelly cover Stanislaus County closings, local listings, jobless claims, single-family rents, home-price appreciation, consumer stress, mortgage-rate pressure, and California insurance concerns. Stanislaus County reached 158 closings, with about 784 active listings. Initial jobless claims fell to 206,000, continuing claims rose to 1.79 million, and single-family rents increased 1.5% year over year. Ed also discusses ICE home-price data showing national values up 1.71%, Walmart earnings pointing to consumer stress, mortgage pricing worsening by about 11 basis points, and why buyers need to be careful when the full housing payment approaches half of gross income. A fast Real Estate Jerky Daily update with the usual...

Ed Parcaut and Mike Kelly cover Stanislaus County closings, mortgage rates, Treasury buybacks, mortgage applications, pending home sales, California affordability, inventory, and the state's housing shortage. Stanislaus County reached 125 August closings, with about 768 active listings and 389 pending sales. Mortgage pricing improved by about 10 basis points as the 10-year Treasury moved near 4.65 and Treasury buyback news helped bonds. Ed and Mike also discuss mortgage applications slipping, purchase demand falling, California's 19% affordability reading, low inventory, and Sacramento's push toward an $11.25 billion affordable housing bond. A fast Real Estate Jerky Daily market update with the usual bite. Contact and Social Links: 🔗 **Follow us:**

Ed Parcaut and Mike Kelly cover weaker California sales, falling pending contracts, housing starts, building permits, low inventory, ADP jobs, oil prices, and misleading mortgage marketing. California closed sales fell 4%, pending sales dropped 13.8%, and new listings declined 10.7%. National pending home sales fell 2.3%, while housing starts dropped to a 1.239 million annual pace. Ed also explains why buyers should be cautious about exclusive mortgage programs advertised to public employees, veterans, and first responders when the offer may be little more than lead-generation marketing. A fast Real Estate Jerky Daily market update with the usual bite. Contact and Social Links: 🔗 **Follow us:**
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Ed Parcaut and Mike Kelly cover rising national inventory, seller price reductions, mortgage-rate pressure, builder confidence, oil-shipping disruption, California homeowners insurance, Zillow layoffs, and Stanislaus County real estate activity. National inventory rose to 871,063, median list price moved to $445,000, and price reductions reached 41.68%. Mortgage pricing worsened by about 8 basis points as the 10-year Treasury moved near 4.706. Ed and Mike also discuss weak builder sentiment, higher California insurance premiums and deductibles, the growing FAIR Plan, Zillow cutting more than 500 jobs, and the major housing and employment reports coming this week. A fast Real Estate Jerky Daily market update with the usual bite...

Ed Parcaut and Mike Kelly cover weaker retail sales, falling consumer sentiment, California housing activity, Stanislaus County closings, mortgage pricing, buyer fatigue, migration trends, and next week's market reports. July retail sales fell 0.6%, consumer sentiment dropped to 51, and mortgage pricing worsened slightly. California closed sales were down 27% from the prior week, while Stanislaus County active listings rose to 755 and August closings reached 90. Ed and Mike also discuss Amazon Prime Day, buy now pay later pressure, Baby Boomer and Gen X migration, Texas property taxes, Florida inventory, and the reports coming next week. A fast Real Estate Jerky Daily update with...

Ed Parcaut and Mike Kelly cover jobless claims, wholesale inflation, mortgage pricing, Treasury yields, AI tools in real estate, rental affordability, Manhattan rents, land pricing, and Strait of Hormuz uncertainty. Initial jobless claims rose to 209,000, continuing claims moved lower to 1.777 million, and mortgage pricing improved by about 11 basis points. The 10-year Treasury eased near 4.64. Ed and Mike also discuss PPI coming in softer than expected, whether real estate professionals should build or buy AI tools, why rent remains expensive, and why overpricing land can cost sellers weeks of market time. A fast Real Estate Jerky Daily market update with the...

Ed Parcaut and Mike Kelly cover CPI inflation, mortgage applications, California affordability, low inventory, Stanislaus County real estate activity, oil risk, and VA loan co-borrower rules. CPI came in line with expectations, mortgage pricing improved by about 11 basis points, and mortgage applications rose 3.6%. Purchase applications were up 3% for the week, while refinances increased 5%. Ed and Mike also discuss California's low inventory, statewide affordability pressure, local listings and closings, VA loan rules for non-veteran co-borrowers, and why home prices remain supported even when buyers feel stretched. A fast Real Estate Jerky Daily market update with the usual bite. Contact and Social...

Ed Parcaut and Mike Kelly return with a Real Estate Jerky Daily market update covering national inventory, price reductions, existing home sales, ADP jobs, VA loan assumptions, Stanislaus County real estate, seller credits, oil concerns, and VA funding fees. Inventory dipped to 865,709, median list price moved to $448,665, days on market held at 63, and price reductions climbed to 41.44%. Ed also explains how a VA loan assumption may help a military family sell when the existing mortgage rate is better than current market rates. A fast mortgage and housing market update with the usual Real Estate Jerky bite. Contact and Social Links: 🔗 **Fol...

Ed Parcaut and Mike Kelly cover Fed Day, mortgage-rate pressure, falling mortgage applications, cooling rents, Middle East conflict risk, PCE inflation, and Stanislaus County real estate activity. Mortgage pricing worsened by about 21 basis points, the 10-year Treasury moved near 4.64, and mortgage applications declined. Purchase applications fell 4%, while refinance applications dropped 10%. Ed also reviews the Apartment List rent report, with rents down 1.1% year over year and vacancy rates holding around 7.2%. A fast Real Estate Jerky Daily market update with the usual bite.

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Ed Parcaut delivers a quick Real Estate Jerky Daily market update as Fed meeting week begins. Mortgage pricing improved by about 11 basis points, the 10-year Treasury moved near 4.59, and oil sat around $81.59. Ed also reviews the latest Case-Shiller and FHFA home appreciation reports, showing that home values are still rising. The episode also covers ADP weekly employment data, labor-market softness, inflation risk from oil prices, and why the Fed's next announcement matters for mortgage rates. A short, focused mortgage and housing market update with the usual Real Estate Jerky bite.

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Ed Parcaut and Mike Kelly cover mortgage rates, Fed week, PCE inflation, durable goods, oil prices, national inventory, price reductions, foreclosures, VA appraisals, and buyer opportunity. National single-family inventory reached 865,223, up 5,864 for the week, while median list price stayed at $449,900 and days on market held at 63. Price reductions rose to 40.64%. Ed and Mike also explain why durable goods looked weak on the headline but stronger underneath, why foreclosure increases are not the same as 2008, and why buyers may still have room to move while competition is lower. A fast Real Estate Jerky Daily market update with the usual bite.
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Ed Parcaut and Mike Kelly cover California housing activity, Stanislaus County and San Joaquin County numbers, mortgage-rate movement, new home sales, tariff headlines, and reverse purchase escrow delays. California weekly data showed closed sales per day down 5.8%, pending sales per day down 1.2%, and new listings down 19.2%. Price reductions stayed elevated near 38.9%. Ed and Mike also discuss mortgage pricing improving by about 27 basis points, new home sales rising 1.6% in June, and why reverse mortgage purchase files need extra coordination with builders and escrow companies. A fast Real Estate Jerky Daily market update with the usual bite. Contact and Social Links: 🔗 **Follow us...

Ed Parcaut and Mike Kelly cover mortgage rates, oil supply pressure, mortgage applications, local Stanislaus County activity, and California growth cities. The 10-year Treasury moved near 4.65, mortgage pricing worsened, and oil pressure returned as WTI pushed toward the high-$80 range. At the same time, mortgage applications increased 1.9%, with purchase applications up 6%. Ed and Mike also discuss homeownership, buyers under 35, Manteca's growth, and why people are still buying even in a choppy market. A fast Real Estate Jerky Daily update with the usual bite.

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Ed Parcaut and Mike Kelly cover mortgage rates, oil supply pressure, mortgage applications, local Stanislaus County activity, and California growth cities. The 10-year Treasury moved near 4.65, mortgage pricing worsened, and oil pressure returned as WTI pushed toward the high-$80 range. At the same time, mortgage applications increased 1.9%, with purchase applications up 6%. Ed and Mike also discuss homeownership, buyers under 35, Manteca's growth, and why people are still buying even in a choppy market. A fast Real Estate Jerky Daily update with the usual bite. Contact and Social Links: 🔗 **Follow us:**
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