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Sales Jobs; Lending Shell Wanted; Non-QM, VA IRRRL Products; Investor s Agency Changes Dec 14 2020, 9:43AM With the snow expected in the Northeast this week, countless households washed loads of pajamas yesterday so that they could have clean work clothes this week. Y’all think 2020 is bad? Just wait until it turns 21 and starts drinking. Yet 2020 has been good for rates. The Fed has tamped down Treasury yields since the start of the pandemic in March, though those yields are quite the double-edged sword for the central bank. Higher Treasury yields/sinking bond and MBS prices can signal greater confidence in the economic recovery and are likely to be accompanied by rising inflation expectations, which the Fed hopes to see. But yields that climb too much also raise long-term borrowing costs, something the economy certainly does not need with the pandemic surging and millions still out of work. Purchase applications have grown in 2020, however. By the wa

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