Rich Sproba at CMG Financial

Rich Sproba at CMG Financial

Comments

Rich, out of our many years of buying/selling this experience tops it off! You're proactive, thoughtful, considerate, diligent, pleasant and simply a great person to know. Thank you and we wish the best for you, your family and CMG. You have earned our respect 🙂. John Powell Jr.

I am in my 15th year as a Mortgage Banker and love being able to meet and help some wonderful people with any of their mortgage needs.

Operating as usual

Timeline Photos 10/08/2021

Private, nonfarm, and manufacturing payrolls all added more jobs in September, but the increases were less than expected for the second month in a row.

Private, nonfarm, and manufacturing payrolls all added more jobs in September, but the increases were less than expected for the second month in a row.

Timeline Photos 10/06/2021

The ADP Employment report was released this morning and showed an increase of 568k jobs—the largest private sector increase since June. The service-providing sector had the most gains, up 466,000 jobs.

The ADP Employment report was released this morning and showed an increase of 568k jobs—the largest private sector increase since June. The service-providing sector had the most gains, up 466,000 jobs.

Timeline Photos 10/05/2021

Market-moving reports scheduled for release this week include the ADP employment report and the employment situation. Here’s how the outcomes of these reports may influence the Federal Reserve's interest rate decisions: http://spr.ly/6189JHKxL

Market-moving reports scheduled for release this week include the ADP employment report and the employment situation. Here’s how the outcomes of these reports may influence the Federal Reserve's interest rate decisions: http://spr.ly/6189JHKxL

Timeline Photos 10/01/2021

The U.S. construction spending report saw no monthly changes in August, staying virtually unchanged from July’s estimate of $1.58 trillion. Year-over-year, however, spending saw an 8.9% increase.

The U.S. construction spending report saw no monthly changes in August, staying virtually unchanged from July’s estimate of $1.58 trillion. Year-over-year, however, spending saw an 8.9% increase.

Timeline Photos 09/29/2021

While experts had predicted a 1% month-over-month increase in pending home sales, the index surged 8.1% in August. This jump is likely due to an increase in housing supply, lower buyer competition, and low mortgage rates.

While experts had predicted a 1% month-over-month increase in pending home sales, the index surged 8.1% in August. This jump is likely due to an increase in housing supply, lower buyer competition, and low mortgage rates.

Timeline Photos 09/28/2021

The Case-Shiller home price index reported a 1.5% month-over-month increase in July. Though the index did increase, it rose at a slower pace than recent months as home price appreciation begins to cool.

The Case-Shiller home price index reported a 1.5% month-over-month increase in July. Though the index did increase, it rose at a slower pace than recent months as home price appreciation begins to cool.

Timeline Photos 09/27/2021

Several housing reports are scheduled for release this week, including the Case-Shiller home price index and the pending home sales report. Read here: http://spr.ly/6183JBAI7

Several housing reports are scheduled for release this week, including the Case-Shiller home price index and the pending home sales report. Read here: http://spr.ly/6183JBAI7

Timeline Photos 09/24/2021

In August, new home inventory jumped 3.3% to reach a pandemic high at 378,000. As supply saw a sharp increase, new home sales rose 1.5% month-over-month to reach an annual rate of 740,000.

In August, new home inventory jumped 3.3% to reach a pandemic high at 378,000. As supply saw a sharp increase, new home sales rose 1.5% month-over-month to reach an annual rate of 740,000.

Timeline Photos 09/22/2021

#BreakingNews: No rate hike today, but the Fed projects 6 to 7 rate hikes through 2024, depending on the path of the virus, inflation, and employment.

#BreakingNews: No rate hike today, but the Fed projects 6 to 7 rate hikes through 2024, depending on the path of the virus, inflation, and employment.

Timeline Photos 09/22/2021

The existing home sales report revealed a 2.0% month-over-month and 1.5% year-over-year decrease in August. As market competition is cooling off, lower buyer demand could be contributing to the decline.

The existing home sales report revealed a 2.0% month-over-month and 1.5% year-over-year decrease in August. As market competition is cooling off, lower buyer demand could be contributing to the decline.

Timeline Photos 09/20/2021

While last week was relatively calm in terms of housing news, this week will consist of several important housing reports. Here’s what you can expect: http://spr.ly/6186yC1Yu

While last week was relatively calm in terms of housing news, this week will consist of several important housing reports. Here’s what you can expect: http://spr.ly/6186yC1Yu

Timeline Photos 09/20/2021

While experts had predicted a decline, the NAHB housing market sentiment index rose to a level of 76 in September. As home buyer demand remains high and lumber prices have dropped, the index revealed its first improvement in three months.

While experts had predicted a decline, the NAHB housing market sentiment index rose to a level of 76 in September. As home buyer demand remains high and lumber prices have dropped, the index revealed its first improvement in three months.

Timeline Photos 09/16/2021

While economists predicted a decrease in retail sales, the report showed a 0.7% month-over-month and 15.1% year-over-year increase in August. Despite concerns over the Delta variant, Americans are still eager and able to spend.

While economists predicted a decrease in retail sales, the report showed a 0.7% month-over-month and 15.1% year-over-year increase in August. Despite concerns over the Delta variant, Americans are still eager and able to spend.

Timeline Photos 09/14/2021

Year-over-year, the consumer price index was up 5.3% in August, marking the hottest inflation in 13 years. However, the index increased at a slower pace than the month before, which could be a sign that inflation is slowing down.

Year-over-year, the consumer price index was up 5.3% in August, marking the hottest inflation in 13 years. However, the index increased at a slower pace than the month before, which could be a sign that inflation is slowing down.

Timeline Photos 09/13/2021

This week, market-moving reports scheduled for release include the consumer price index and the retail sales report. Here’s what to expect: http://spr.ly/6185yNY07

This week, market-moving reports scheduled for release include the consumer price index and the retail sales report. Here’s what to expect: http://spr.ly/6185yNY07

Timeline Photos 09/08/2021

Job Openings increased to a series high of 10.9 million in July, a 6.9% increase from the month before. The health care and social assistance industry saw the largest rise in job openings, with an increase of 294,000.

Job Openings increased to a series high of 10.9 million in July, a 6.9% increase from the month before. The health care and social assistance industry saw the largest rise in job openings, with an increase of 294,000.

Timeline Photos 09/06/2021

This week, the Labor Department’s Job Openings and Labor Turnover Survey is scheduled for release. Here’s what you can expect: http://spr.ly/6182yLaxY

This week, the Labor Department’s Job Openings and Labor Turnover Survey is scheduled for release. Here’s what you can expect: http://spr.ly/6182yLaxY

Timeline Photos 09/01/2021

Each year, hurricane season takes the Atlantic and Gulf Coasts by storm. While there’s not much that homeowners can do to prevent storms, they can prevent the costs from stacking up. Here’s how: http://spr.ly/6181yxP5J

Each year, hurricane season takes the Atlantic and Gulf Coasts by storm. While there’s not much that homeowners can do to prevent storms, they can prevent the costs from stacking up. Here’s how: http://spr.ly/6181yxP5J

Timeline Photos 09/01/2021

U.S. construction spending increased in July, reporting 0.3% month-over-month and 9% year-over-year gains. Residential construction spending rose 0.5% month-over-month as builders work to replenish inventory.

U.S. construction spending increased in July, reporting 0.3% month-over-month and 9% year-over-year gains. Residential construction spending rose 0.5% month-over-month as builders work to replenish inventory.

Timeline Photos 08/31/2021

In June, the Case-Shiller home price index showed a 1.8% month-over-month and 18.6% year-over-year increase. Despite the upward record-setting trend, economists expect price growth to decelerate as more inventory is introduced.

In June, the Case-Shiller home price index showed a 1.8% month-over-month and 18.6% year-over-year increase. Despite the upward record-setting trend, economists expect price growth to decelerate as more inventory is introduced.

Timeline Photos 08/30/2021

Housing reports scheduled for release this week include pending home sales, the Case-Shiller home price index, and the U.S. construction spending report. Here’s what we know: http://spr.ly/6182yv0IK

Housing reports scheduled for release this week include pending home sales, the Case-Shiller home price index, and the U.S. construction spending report. Here’s what we know: http://spr.ly/6182yv0IK

Timeline Photos 08/30/2021

The pending home sales index declined modestly in July as the housing market seems to be cooling slightly. Home inventory is slowly increasing, so home shoppers should begin to see more options in the coming months.

The pending home sales index declined modestly in July as the housing market seems to be cooling slightly. Home inventory is slowly increasing, so home shoppers should begin to see more options in the coming months.

Timeline Photos 08/24/2021

In July, new home sales rose 1.0% to a seasonally adjusted annual rate of 708,000. Inventory is recovering as the supply of new houses for sale increased to a 6.2-month supply. As supply increases, home buyer competition may start to cool down.

In July, new home sales rose 1.0% to a seasonally adjusted annual rate of 708,000. Inventory is recovering as the supply of new houses for sale increased to a 6.2-month supply. As supply increases, home buyer competition may start to cool down.

Timeline Photos 08/23/2021

This week, mortgage rates could be influenced by various reports including existing home sales and new sales. Here’s what to expect: http://spr.ly/6183ysHlL

This week, mortgage rates could be influenced by various reports including existing home sales and new sales. Here’s what to expect: http://spr.ly/6183ysHlL

Timeline Photos 08/23/2021

Existing home sales jumped 2.0% month-over-month in July, marking two consecutive months of increases and reaching a seasonally adjusted rate of 5.99 million. Housing supply increased 7.3% to 1.32 million, likely contributing to the gains.

Existing home sales jumped 2.0% month-over-month in July, marking two consecutive months of increases and reaching a seasonally adjusted rate of 5.99 million. Housing supply increased 7.3% to 1.32 million, likely contributing to the gains.

Photos from Rich Sproba at CMG Financial's post 08/18/2021

In July, housing starts declined 7.0% month-over-month, yet housing completions rose 5.6%. Year-over-year, housing starts are up 2.5% and building permits are up 6.0%. The monthly decline in housing starts is likely due to high material costs and low supply of labor, but the increase in building permits suggests that activity may pick up in coming months.

Timeline Photos 08/17/2021

As builders are fighting against rising costs for materials and skilled labor, the NAHB housing market index declined to a level of 75. However, any reading above 50 is considered positive. Sales expectations over the next 6 months remained at a level of 81.

As builders are fighting against rising costs for materials and skilled labor, the NAHB housing market index declined to a level of 75. However, any reading above 50 is considered positive. Sales expectations over the next 6 months remained at a level of 81.

Timeline Photos 08/16/2021

Market-moving reports scheduled for release this week include the NAHB housing market index and housing starts and building permits. Here’s what to expect: http://spr.ly/6188yo5Vi

Market-moving reports scheduled for release this week include the NAHB housing market index and housing starts and building permits. Here’s what to expect: http://spr.ly/6188yo5Vi

Timeline Photos 08/11/2021

The consumer price index increased 0.5% month-over-month in July, following a 0.9% increase in June. This slowing inflation could be a sign that prices are leveling out.

The consumer price index increased 0.5% month-over-month in July, following a 0.9% increase in June. This slowing inflation could be a sign that prices are leveling out.

Timeline Photos 08/09/2021

Last week, average mortgage rates dipped near some of their lowest levels in six months, largely due to the Fed’s announcement. Read more in the market update: http://spr.ly/6180ylJPI

Last week, average mortgage rates dipped near some of their lowest levels in six months, largely due to the Fed’s announcement. Read more in the market update: http://spr.ly/6180ylJPI

Timeline Photos 08/09/2021

Job openings rose by 590,000 in June, reaching a series high of 10.1 million. The quits level increased to 3.9 million as workers are confident in their ability to find employment.

Job openings rose by 590,000 in June, reaching a series high of 10.1 million. The quits level increased to 3.9 million as workers are confident in their ability to find employment.

Timeline Photos 08/04/2021

From June to July, private-sector employment increased by 330k. Leisure and hospitality added 139k jobs, marking their fifth straight month of increases.

From June to July, private-sector employment increased by 330k. Leisure and hospitality added 139k jobs, marking their fifth straight month of increases.

Timeline Photos 08/02/2021

Mortgage rates have trended downward in the past few weeks due to a variety of factors. Last week, the Fed voted to leave the benchmark interest rate unchanged. Read more: http://spr.ly/6188y9Skw

Mortgage rates have trended downward in the past few weeks due to a variety of factors. Last week, the Fed voted to leave the benchmark interest rate unchanged. Read more: http://spr.ly/6188y9Skw

Timeline Photos 08/02/2021

U.S. construction spending reported monthly and annual increases in June. Residential spending increased 1.1% and new single family home spending jumped 1.8% month-over-month as builders try to meet housing demand.

U.S. construction spending reported monthly and annual increases in June. Residential spending increased 1.1% and new single family home spending jumped 1.8% month-over-month as builders try to meet housing demand.

Timeline Photos 07/28/2021

During their meeting this week, the Federal Open Market Committee voted against a rate hike, leaving the benchmark interest rate unchanged.

During their meeting this week, the Federal Open Market Committee voted against a rate hike, leaving the benchmark interest rate unchanged.

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2253 N. LOOP 336 WEST SUITE B
Conroe, TX
77304

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