Chris Grau bio

Through my studies I have learned that one of the most important basic concepts a mortgage professional needs to understand is that long term fixed mortgage rates correlate directly with  Mortgage Backed Securities.  Movement in  the Federal Funds Rate, 10 Year Treasury Note, or the Stock Market does not directly correlate with the Mortgage Rates investors offer.  I constantly track movement in the FNMA securities market and  the impact the release of economic reports has on it in order to advice my clients on the appropriate time to lock or float a mortgage.

In order to keep my network of business professionals and clients in the loop, I utilize http://www.grauteam.com/ as a forum for sharing information.  I am able to provide a snapshot of the current mortgage market, prepare everyone for potentially market moving financial data, provide product updates and changes,  answer questions, and share information.  Having a web presence and embracing technology with a balanced view is an important cornerstone of my business plan. 

More important than all of that, personally I believe knowing my biggest motivation for success in the mortgage industry is critical.  I constantly work to better my business and grow in my professional life, because the better I am at what I do, the sooner I get to go home and see my  wife and daughter!