30-Year Mortgage Rate and Federal Funds Rate and Inflation ...

1969-1974 Richard Nixon

1974-1977 Gerald Ford

1977-1981 Jimmy Carter

1981-1989 Ronald Reagan

1989-1993 George H. W. Bush

1993-2001 Bill Clinton

2001-2009 George W. Bush

30-Year Mortgage Rate and Federal Funds Rate and Inflation Rate vs. Historical 8 1/8% Stutter Rate vs. The Fall of 2000 - Happy Space - Interest Rate

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1973 Arab

Oil Embargo

19

1977 Median Income $13,572

1980 Prime Rate between

12-20%

1981 IBM PC

Introduced

1985 Windows 1.0 Released by

Microsoft

Oct 19, 1987 Dow Drops 508 points, 22 1/3%

1989 Exxon Valdez Disaster

1995 Dow Jones Above

4000

1999 Y2K Prep for Millenium

Bug

9-11-2001

2004 Median Income $44,389

Aug.2005 Hurricane Katrina

18

1st TI Calculator $500, Today $20

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16

15

14 F e 13 d e 12 r a 11 l

10 I n t9 e r8 e s7 t

6 R a5 t e 4

1986 Tax Law Change

First Gulf War

2009-Present Barack Obama

Sept. 7, 2008 FNMA \ FHLMC Gov't Takeover

Mar. 2011 Tsunami in Japan

Sep. 2013 Poverty Rate 15%, Median Income $51,017

War on Terror >>>> War in Iraq

3

2

1

0

-1

-2

Jul. 15 Jan. 15 Jul. 14 Jan. 14 Jul. 13 Jan. 13 Jul. 12 Jan. 12 Jul. 11 Jan. 11 Jul. 10 Jan. 10 Jul. 09 Jan. 09 Jul. 08 Jan. 08 Jul. 07 Jan. 07 Jul. 06 Jan. 06 Jul. 05 Jan. 05 Jul. 04 Jan. 04 Jul. 03 Jan. 03 Jul. 02 Jan. 02 Jul. 01 Jan. 01 Jul. 00 Jan. 00 Jul. 99 Jan. 99 Jul. 98 Jan. 98 Jul. 97 Jan. 97 Jul. 96 Jan. 96 Jul. 95 Jan. 95 Jul. 94 Jan. 94 Jul. 93 Jan. 93 Jul. 92 Jan. 92 Jul. 91 Jan. 91 Jul. 90 Jan. 90 Jul. 89 Jan. 89 Jul. 88 Jan. 88 Jul. 87 Jan. 87 Jul. 86 Jan. 86 Jul. 85 Jan. 85 Jul. 84 Jan. 84 Jul. 83 Jan. 83 Jul. 82 Jan. 82 Jul. 81 Jan. 81 Jul. 80 Jan. 80 Jul. 79 Jan. 79 Jul. 78 Jan. 78 Jul. 77 Jan. 77 Jul. 76 Jan. 76 Jul. 75 Jan. 75 Jul. 74 Jan. 74 Jul. 73 Jan. 73 Jul. 72 Jan. 72 Jul. 71 Jan. 71

30-Yr Fixed Mortgage Rates

Fed Funds Rates

Dow Jones Avg / 1000

SF Starts X 10,000

Happy Space Rate - 6 1/4%

CPI-U Inflation Rate

Stutter Rate #2 - 8 3/8%

Stutter Rate #1 - 8 1/8%

For 30 years the market started to shut down at the "stutter rate" of 8 1/8%. About September 2000 homebuyers tended to buy more space, partially with lower interest rates. Now to be "happy" with enough house space, the rate struggles at 6 1/4%. It takes "about" 2 to 3 months

when interest rates go up to affect housing downward. It takes "about" 4 to 6 months when rates go down to affect starts upward.

Nov. 14, 1972 Jan 8, 1987 Apr 17, 1992 Feb. 23, 1995 Nov 21, 1995 Oct 14, 1996 Feb 13, 1997 Jul 16, 1997 Dow 1,000 Dow 2,000 Dow 3,000 Dow 4,000 Dow 5,000 Dow 6,000 Dow 7,000 Dow 8,000

Apr 6, 1998 Mar 29, 1999 May 3, 1999 Oct 19, 2006 Apr 25 2007 Jul 19, 2007 May 7, 2013 Nov 21, 2013 Jul 3, 2014 Dec 23, 2014 Dow 9,000 Dow 10,000 Dow 11,000 Dow 12,000 Dow 13,000 Dow 14,000 Dow 15,000 Dow 16,000 Dow 17,000 Dow 18,000

357 Riverside Drive, Suite 210 Franklin, TN 37064 615.371.2282 Voice 615.371.2283 Fax info@ ? MarketGraphics Research Group, Inc.

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