In the 15 years that I have been brokering mortgages it has never been harder or more expensive to get mortgage financing for consumers who are even slightly on the fringe of being classified an “A” Borrower. Who falls into this category? As long as it isn’t you or I, who cares, right? But wait, it is me, and it might be you too!

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Newton’s third law states that for every action there is an equal and opposite reaction. Newton can probably help us figure out how many more interest rates hikes we have in store for us. His law may also be useful in countering the claim the interest rates will continue to increase in the next two years without pause.

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