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.

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Catch every episode for sharp insight and real talk about what matters now in real estate! #RealEstateJerkyDaily #RealEstateJerky #EdParcaut #MikeKelly #MortgageRates #BLSJobsReport #JobsReport #SellerCredits #ClosingCosts #HomeAppraisal #VALoans #StanislausCountyRealEstate #ModestoRealEstate #CentralValleyRealEstate #CaliforniaRealEstate #HousingMarketUpdate #MortgagePodcast #RealEstatePodcast #LaborDayWeekend #MortgageIndustry #MarketNewsWithTeeth

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.

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🔗 Ed Parcaut:

www.edparcaut.com - Twitter: [@EdParcaut](https://twitter.com/EdParcaut) - LinkedIn: [Ed Parcaut](https://www.linkedin.com/in/edparcaut)

Catch every episode for sharp insight and real talk about what matters now in real estate! #RealEstateJerkyDaily #RealEstateJerky #EdParcaut #MikeKelly #MortgageRates #MortgagePricing #TenYearTreasury #FederalReserve #Waller #JoblessClaims #LaborMarket #OilPrices #StanislausCountyRealEstate #ModestoRealEstate #CentralValleyRealEstate #PendingSales #LocalRealEstate #MortgageTips #LenderFees #HousingMarketUpdate #RealEstatePodcast #MortgagePodcast #MarketNewsWithTeeth

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.

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🔗 Ed Parcaut:

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Catch every episode for sharp insight and real talk about what matters now in real estate! #RealEstateJerkyDaily #RealEstateJerky #EdParcaut #MikeKelly #MortgageRates #ADPJobs #MortgageApplications #Refinance #CashOutRefinance #TenYearTreasury #FederalReserve #HousingMarketUpdate #CaliforniaRealEstate #StanislausCountyRealEstate #ModestoRealEstate #CentralValleyRealEstate #PriceReductions #OilPrices #StraitOfHormuz #CFPB #RealEstatePodcast #MortgagePodcast #MarketNewsWithTeeth

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.

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Catch every episode for sharp insight and real talk about what matters now in real estate! #RealEstateJerkyDaily #RealEstateJerky #EdParcaut #MikeKelly #MortgageRates #HousingMarketUpdate #RealEstatePodcast #MortgagePodcast #FallHousingMarket #BuyerAffordability #PriceReductions #HousingInventory #SellerStrategy #HomebuyerTips #MortgagePreApproval #RateLock #CentralValleyRealEstate #ModestoRealEstate #StanislausCountyRealEstate #CaliforniaRealEstate #MarketNewsWithTeeth

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 on a larger payment.

A fast Real Estate Jerky Daily market update with the usual bite. #RealEstateJerkyDaily #RealEstateJerky #EdParcaut #MikeKelly #HousingInventory #PriceReductions #MortgageRates #PCEInflation #NewHomeSales #BuilderInventory #ADPJobs #USDAloan #VALoans #Appraisal #FirstTimeHomebuyer #BuyerAffordability #StanislausCountyRealEstate #ModestoRealEstate #CentralValleyRealEstate #CaliforniaRealEstate #HousingMarketUpdate #RealEstatePodcast #MortgagePodcast #MarketNewsWithTeeth

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Catch every episode for sharp insight and real talk about what matters now in real estate!

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 bite.

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Catch every episode for sharp insight and real talk about what matters now in real estate! #RealEstateJerkyDaily #RealEstateJerky #EdParcaut #MikeKelly #MortgageRates #JoblessClaims #RentGrowth #HomePrices #HomeValues #ConsumerStress #WalmartEarnings #FAIRPlan #CaliforniaInsurance #BuyerAffordability #StanislausCountyRealEstate #ModestoRealEstate #CentralValleyRealEstate #HousingMarketUpdate #RealEstatePodcast #MortgagePodcast #MarketNewsWithTeeth

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.

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🔗 Ed Parcaut:

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Catch every episode for sharp insight and real talk about what matters now in real estate! #RealEstateJerkyDaily #RealEstateJerky #EdParcaut #MikeKelly #MortgageRates #TreasuryYields #MortgageApplications #PurchaseApplications #PendingHomeSales #CaliforniaAffordability #HousingInventory #AffordableHousing #CaliforniaHousing #StanislausCountyRealEstate #ModestoRealEstate #CentralValleyRealEstate #HousingMarketUpdate #RealEstatePodcast #MortgagePodcast #MarketNewsWithTeeth

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.

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🔗 Ed Parcaut:

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Catch every episode for sharp insight and real talk about what matters now in real estate! #RealEstateJerkyDaily #RealEstateJerky #EdParcaut #MikeKelly #PendingHomeSales #HousingStarts #BuildingPermits #MortgageRates #HousingInventory #PriceReductions #ADPJobs #OilPrices #MortgageScams #VALoans #FirstResponders #PublicEmployees #CalHFA #FHALoans #CaliforniaRealEstate #ModestoRealEstate #CentralValleyRealEstate #HousingMarketUpdate #RealEstatePodcast #MortgagePodcast #MarketNewsWithTeeth

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.

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🔗 Ed Parcaut:

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Catch every episode for sharp insight and real talk about what matters now in real estate! #RealEstateJerkyDaily #RealEstateJerky #EdParcaut #MikeKelly #HousingInventory #PriceReductions #MortgageRates #BuilderConfidence #Homebuilders #CaliforniaInsurance #FairPlan #ZillowLayoffs #OilPrices #StraitOfHormuz #TenYearTreasury #StanislausCountyRealEstate #ModestoRealEstate #CentralValleyRealEstate #HousingMarketUpdate #RealEstatePodcast #MortgagePodcast #MarketNewsWithTeeth

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 the usual bite.

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🔗 Ed Parcaut:

www.edparcaut.com - Twitter: [@EdParcaut](https://twitter.com/EdParcaut) - LinkedIn: [Ed Parcaut](https://www.linkedin.com/in/edparcaut)

Catch every episode for sharp insight and real talk about what matters now in real estate! #RealEstateJerkyDaily #RealEstateJerky #EdParcaut #MikeKelly #HousingMarketUpdate #MortgageRates #RetailSales #ConsumerSentiment #BuyerFatigue #CaliforniaRealEstate #StanislausCountyRealEstate #ModestoRealEstate #CentralValleyRealEstate #BabyBoomers #GenX #MigrationTrends #TexasRealEstate #FloridaRealEstate #MortgagePodcast #RealEstatePodcast #MarketNewsWithTeeth