Kendy Alvarez NMLS 1124137

Happy New Year! __________________ Kendy Alvarez, NMLS 1124137 Mortgage Originator... 570-556-6302 Fidelis Mortgage Corporation, NMLS 126791 2331 Market Street, Camp Hill, PA 17011 Licensed by the PA Department of Banking Equal Housing Lender See more

Welcome 2021! May you find comfort & joy. #happynewyear #happyholidays #supportsmallbusiness

1) Stimulus Talks Are Back 2) Vaccines on the Way 3) COVID-19 Cases on the Rise The main market drivers mentioned above will guide the activity this week and beyond. In addition to tracking these headlines, the markets will have to deal with another round of Treasury supply as a boatload of 3- and 10-year Notes, and 30-year Bonds are sold. With yields increasing to the highest levels in months, it will be interesting to see the "buying appetite" at these auctions. There are also some important inflation readings this week. Tame consumer inflation is a major reason why home loan rates remain low. If inflation rises, rates rise. If disinflation or outright deflation emerges, rates decline.

The intersection of climate change and real estate is incredibly complicated. The long term economic impacts of severe weather events drastically differ between communities based on property value and home ownership rates. Pushes to increase home ownership in low-moderate income communities with high risk factors for climate change may not have the intended outcomes. __________________ Kendy Alvarez, NMLS 1124137 Mortgage Originator... 570-556-6302 Fidelis Mortgage Corporation, NMLS 126791 2331 Market Street, Camp Hill, PA 17011 Licensed by the PA Department of Banking Equal Housing Lender See more

Increased home values and higher building costs are impacting housing affordability. While low interest rates provided some balance in 2020, the unknowns of 2021 -- vaccine rollout and the economy (building costs, interest rates, unemployment) weigh heavily on builders. __________________ Kendy Alvarez, NMLS 1124137 Mortgage Originator... 570-556-6302 Fidelis Mortgage Corporation, NMLS 126791 2331 Market Street, Camp Hill, PA 17011 Licensed by the PA Department of Banking Equal Housing Lender See more

Enjoy the roof over your head, but if you're looking for a new one call me for a pre-approval. __________________ Kendy Alvarez, NMLS 1124137 Mortgage Originator... 570-556-6302 Fidelis Mortgage Corporation, NMLS 126791 2331 Market Street, Camp Hill, PA 17011 Licensed by the PA Department of Banking Equal Housing Lender See more

2020 housing has BOOMED. Low interest rates, credit availability and increased home values kept that momentum going even through the pandemic. With the new year we come upon expiration of the CARES Act protections which have buffered those experiencing financial difficulties from the reality of their circumstances. What happens with the economy is less about the metrics and more about the monetary policy - what steps will be taken to assist those with unemployment expiring an...d mortgages coming out of forbearance without adequate financial resources. __________________ Kendy Alvarez, NMLS 1124137 Mortgage Originator 570-556-6302 Fidelis Mortgage Corporation, NMLS 126791 2331 Market Street, Camp Hill, PA 17011 Licensed by the PA Department of Banking Equal Housing Lender