Friday, January 23, 2015. Now is the time! Hope for 2015 Housing Boost from Year-end Jobs Growth. As is the case during the holiday season, home loan application volume slowed down in the last quarter of 2014. Figures reported in mid-December by the Mortgage Bankers Association were down 11. 9 percent compared to the same time one year ago. Decreases in total home loan purchase applications were, however, met with net gains from home loan refinances, due to lower interest rates. Good Job News to End 2014.

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