As your Trusted Advisor, I sincerely hope you have been enjoying your complimentary subscription to the MORTGAGE MARKET GUIDE WEEKLY. As the holidays are being observed, the next full issue will arrive on Monday, January 3rd.

The MORTGAGE MARKET GUIDE WEEKLY is the industry's leading publication of this type, and I am pleased to provide this valuable resource to you. If you feel any of your clients or associates would benefit from keeping up-to-date on market and economic trends in this easy to read format, please let me know, and I would be more than happy to add them free of charge.

Best wishes to you, and please do not hesitate to contact me if I may be of any assistance to you or your valued clients at this time!

The bond market should remain in “holiday mode” this week with a reduced economic calendar and an early close on New Year's Eve, Friday, December 31. Given the quiet, lower volume holiday trading, it is not likely that there will be any dramatic change in home loan rates this week.

Remember, as a general rule, weaker than expected economic data is good for rates, while positive data causes rates to rise.