If Mortgage Rates are Not Going Below 5%,Where Are They Going?

There was an interesting post yesterday asking Why Won’t Mortgage Rates Drop Below 5%?. Brian Brady answered the question with a supply and demand analysis and as usual,I cannot disagree with that reliable old tool (the supply and demand analysis… not Brian ). But I wonder,is there more at work here than supply [...]

Point / Counter-Point

Michael Cook wrote a thought provoking post earlier entitled What Happens to the Early Worm. So thought provoking that I found my comments drifting to post length. So how about a little point/counter-point?

Michael,a very detailed and thoughtful post. I would not disagree with you that cautiousness is a safe strategy (although not always [...]