Taraje Williams-Murray

Taraje Williams-Murray

"An expert is someone who knows some of the worst mistakes, which can be made, in a very narrow fiel





Mortgage rates continued their upward trajectory again this week, rising to the highest rate this year so far. This upward trend is being driven by a resilient economy, persistent inflation and a more hawkish tone from the Federal Reserve. These high rates combined with low inventory continue to price many potential homebuyers out of the market.

Source: FreddieMac.com


Happy 4th of July!

Happy Independence Day 2023! 07/03/2023

Happy Independence Day 2023! Happy 4th!!!!


Join us as we help you navigate the home buying process and highlight down payment assistance programs available to first time homebuyers.

(“First time” may mean with the last three years)

Photos from Taraje Williams-Murray's post 06/25/2023

Velocity of M1 Money is calculated as the ratio of quarterly nominal GDP (GDP) to the quarterly average of M1 money stock (M1SL)

The velocity of money is the frequency at which one unit of currency is used to purchase domestically- produced goods and services within a given time period. In other words, it is the number of times one dollar is spent to buy goods and services per unit of time. If the velocity of money is increasing, then more transactions are occurring between individuals in an economy.

The frequency of currency exchange can be used to determine the velocity of a given component of the money supply, providing some insight into whether consumers and businesses are saving or spending their money. There are several components of the money supply,: M1, M2, and MZM (M3 is no longer tracked by the Federal Reserve); these components are arranged on a spectrum of narrowest to broadest. Consider M1, the narrowest component. M1 is the money supply of currency in circulation (notes and coins, demand deposits, and other liquid deposits). A decreasing velocity of M1 might indicate fewer short- term consumption transactions are taking place. We can think of shorter- term transactions as consumption we might make on an everyday basis.


Mortgage rates slid down again this week but remain elevated compared to this time last year. Potential homebuyers have been watching rates closely and are waiting to come off the sidelines. However, inventory challenges persist as the number of existing homes for sale remains very low. Though, a recent rebound in single-family housing starts is an encouraging development that will hopefully extend through the summer.

The PMMS is focused on conventional, conforming, fully amortizing home purchase loans for borrowers who put 20 percent down and have excellent credit.

The historical average of weekly PMMS 30-year FRM is 7.74%.


*superman posing*

Achieving goals that were once dreams can sometimes seem unlikely. In the words of Albert Camus, “All great deeds and all great thoughts have a ridiculous beginning.”

Keep moving! You already have it.


and don’t y’all forget it.

I was asked this morning what Juneteenth means to me… it was difficult to verbalize. Markets are closed so that’s cool. Truly, talk of freedom and equality today give me anxiety. Gonna go grab some brews and find a parade.



June is National Homeownership month!

Homeownership and retirement accounts represent over 60% of US household net worth. In the last decade middle income homeowners have accumulated $122k in net worth due to price appreciation. via

We are planning a virtual seminar for first time homebuyers. Link for signup in bio.



The PMMS is focused on conventional, conforming, fully amortizing home purchase loans for borrowers who put 20 percent down and have excellent credit.”

The historical average of weekly PMMS 30-year FRM is 7.74%.

Photos from Taraje Williams-Murray's post 06/07/2023

🔐 We have updated our websites look and feel! You can now book appointments for a complimentary fitness consultation, personal training, coaching, financial discovery and consulting. Links in Bio! 🐈


Keep moving…

Ten 06/03/2023

Ten Today we celebrate 10 years in operation! Thank you to our clients and everyone who has supported the mission since inception. In May, I earned the CompTIA Security+ certification. Passing the exam…

Photos from Coroebus Wealth Management's post 06/03/2023

There may have been as many as 150 maxims though “know thyself” and “nothing in excess” are said to have been inscribed on the exterior of the Temple of Apollo and credited to Chilon of Sparta and Solon of Athens respectively.

The third of the Delphic maxims said to be inscribed on the exterior of the temple, “surety then ruin” is sometimes credited to Thales of Miletus, one of the Seven Sages.


Happy Memorial Day Weekend all!


This year the SEC is proposing a new rule to require broker-dealers, clearing agencies, MSRB, National securities agencies and other associated parties to address cybersecurity risks through policies and procedures, notification of a significant incident reporting detailed information to the Commission when applicable, and public disclosures that would improve transparency with respect to cybersecurity risks and significant cybersecurity incidents. Comment period ends 6/5/23. *See the FederalRegister.gov

In 2021, for the first time the DOL Employee Benefits Security Administration issued cybersecurity guidance for plan sponsors and fiduciaries regulated by ERISA.

The CompTIA Security+ certification validates the baseline skills necessary to perform core cybersecurity functions and pursue an IT security career.


Not sure if I will leave this one up but I can’t help but wonder what will June bring?

Happy Memorial Day to all!


Learn the process, costs and advantages of buying your first home!

Start your journey as a first time homebuyer today. Message me or follow the link in my bio to be notified of upcoming seminars!


From the Seven Sages


“Freddie Mac today released the results of its Primary Mortgage Market Survey (PMMS), showing the 30-year fixed-rate mortgage (FRM) averaged 6.35 percent.

The PMMS is focused on conventional, conforming, fully amortizing home purchase loans for borrowers who put 20 percent down and have excellent credit.”

The historical average of weekly PMMS 30-year FRM is 7.75%.


Obfuscation: to throw into shadow, darken, to make obscure, confuse, to be evasive, unclear or confusing
—Merriam Webster

“The purpose of obfuscation games is to make investors decisions frames opaque rather than transparent. And these games appear to be successful.”
—Hersh Shefrin, Beyond Greed and Fear


Our guiding principles…

Our NJ REALTOR® 05/03/2023

Our NJ REALTOR® Good news everyone! I am now a licensed realtor in the State of N.J. working with Keller Williams Village Square Realty at 74 Godwin Ave, Ridgewood, NJ 07450. To some, it may seem like poor timing …


Not sent by any, nor suppliant...


Speak it!

Interested in finding a home? DM me for an assessment!

Taraje Williams-Murray at
Keller Williams Village Square Realty


I will be delivering a short presentation on the American Development Model Saturday, May 6th. If you are not a member you can request a day pass and attend!

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