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Editorial Results (free)

1. Elvis Presley Enterprises Applies for Hotel Building Permit -

3066 Elvis Presley Blvd.
Memphis, TN 38116
Permit Amount: $57 million

2. Riverdale Retail Center Fetches $1.4 Million -

A southeast Memphis retail center has been sold for $1.4 million.

City Storage East West Connector LLC sold the retail center at 5144 Riverdale Road to 5144 Realty LLC, according to a Nov. 26 warranty deed. The buyer, 5144 Realty LLC, is affiliated with New York-based Jaran Realty Corp. The seller, City Storage East West Connector, is affiliated with the Kevin Hyneman Cos.

3. Riverdale Retail Center Fetches $1.4 Million -

A southeast Memphis retail center has been sold for $1.4 million.

City Storage East West Connector LLC sold the retail center at 5144 Riverdale Road to 5144 Realty LLC, according to a Nov. 26 warranty deed. The buyer, 5144 Realty LLC, is affiliated with New York-based Jaran Realty Corp. The seller, City Storage East West Connector, is affiliated with the Kevin Hyneman Cos.

4. Building Permits Jump 35 Percent in September -

Shelby County homebuilding activity experienced significant gains in September when compared to the same month last year.

Builders pulled 77 permits in Shelby County in September, up 35 percent from 57 permits pulled in September 2013, according to real estate information company Chandler Reports, chandlerreports.com.

5. Shelby County Building Permits Rise 3.4 Percent -

Shelby County’s homebuilding industry showed slight improvement in the third quarter, with builders filing 3.4 percent more permits in the quarter than in the same three-month period a year ago.

6. County Building Permits Soar 63 Percent in June -

Shelby County homebuilding activity experienced significant gains in June when compared to the same month last year.

Builders pulled 106 permits in Shelby County in June, up 63 percent from 65 permits pulled in June 2013, according to real estate information company Chandler Reports, www.chandlerreports.com.

7. Uphill Climb -

Shelby County’s homebuilding industry is off to a slow start in 2014, with builders filing 16.6 percent fewer permits in the second quarter than in the same three-month period a year ago.

Builders filed 245 permits in Shelby County in the second quarter, compared with 294 permits in the second quarter of 2013, according to real estate information company Chandler Reports, www.chandlerreports.com. Builders filed 191 permits in the first quarter.

8. Building Permits Tumble 38 Percent in May -

Homebuilding activity slowed in May compared to a year ago, with builders filing fewer permits and selling fewer new homes than the same month last year.

Builders pulled 72 permits in Shelby County in May, down 38.4 percent from 117 permits in May 2013, according to real estate information company Chandler Reports, www.chandlerreports.com. The 72 permits filed by builders in May were up slightly from 68 permits filed in April.

9. Winter Drags Down Q1 Building Permits -

Shelby County’s homebuilding industry, plagued by poor weather early in 2014, got off to a slow start in the first quarter, with builders filing 14.2 percent fewer permits than in the same three-month period a year ago.

10. New Home Permits See Slight Bump -

Despite bitterly cold temperatures that plagued the Memphis area last month, homebuilders pulled slightly more housing permits in January when compared to the same month last year.

Shelby County homebuilders filed 64 permits in January, up from 57 permits filed in January 2013 and 53 permits in December 2013, according to real estate information company Chandler Reports, www.chandlerreports.com.

11. Smucker Files $16 Million Permit for Plant Expansion -

4789 Cromwell Ave.
Memphis, TN 38118
Permit Cost: $16 million

Project Cost: $41 million
Permit Date: Applied January 2014
Completion: TBA
Owner: The J.M. Smucker Co.
Tenant: The J.M. Smucker Co.
Architect: N/A
Contractor: N/A
Details: The J.M. Smucker Co. has filed a $16 million permit with the city-county Office of Construction Code Enforcement as part of its planned plant expansion at 4789 Cromwell Ave. in Oakhaven.

12. Cecil’s Automotive Owner Files $1.7 Million Loan -

The owner of Cecil’s Automotive at 3815 S. Houston Levee Road in Collierville has filed a $1.7 million loan on the property.

13. Shelby County Homebuilding Slows in October -

Shelby County homebuilding activity cooled in October, with builders filing fewer permits and selling fewer new homes compared to October 2012.

Homebuilders pulled 54 permits in October, down 38.6 percent from 88 permits filed in October 2012, according to real estate information company Chandler Reports, www.chandlerreports.com.

14. Building Permit Activity Cools in July -

Shelby County home building activity cooled in July, with builders pulling fewer permits and selling fewer new homes compared to July 2012.

Homebuilders pulled 77 permits in July, down 6.1 percent from 82 permits filed in July 2012, according to real estate information company Chandler Reports, www.chandlerreports.com. The average permit in July measured 2,958 square feet and $225,199 compared to 3,080 and $229,633 in July 2012.

15. Home Permits Up 91 Percent In October -

Local homebuilders filed 91 percent more new home permits during October compared with the same month last year, thanks to an out-of-town builder’s work in a Whitehaven subdivision.

Shelby County homebuilders filed 107 permits last month, up significantly from 56 in October 2010, according to real estate information company Chandler Reports, www.chandlerreports.com.

16. Cabot Affiliate Buys Airport Industrial Warehouse -

3924 Crowfarn Drive
Memphis, TN 38118
Sale Amount: $2.2 million
Sale Date: March 28, 2011
Buyer: Cabot III-TN1M01 LLC
Seller: MM Industrial Memphis LLC

17. Richland Holdings Buys Fountain Brook Lots -

Richland Holdings LLC, which shares a Memphis address with developer Kevin Hyneman Cos., has bought 55 lots in Fountain Brook Planned Development from Cadence Bank for $1.1 million. The transaction closed March 29.

18. Foreclosures Filed on Million-Dollar Loans -

Three first-run foreclosure notices related to million-dollar loans are published in the Foreclosures section of today’s Daily News and the Friday Public Notices section at www.memphisdailynews.com.

19. Ware’s Political Future in Balance -

Memphis Mayor A C Wharton Jr. opened the city’s newest auto inspection station Monday.

As he did, the political career of one of the Memphis City Council’s most influential members hangs in the balance because of allegations she used her office to avoid the required annual car inspection ritual for city residents.

20. Rebounding Activity -

Shelby County homebuilders last month reached triple digits with new home permits for the first time in nearly two years.

But instead of congratulating themselves for the increase in activity, companies are focused now on maintaining momentum and further pulling themselves out of the biggest homebuilding slump in recent memory.

21. Hyneman Sells 3-acre Outparcel Of Lakeland’s Corner Shops -

2957 Canada Road
Lakeland, TN 38002
Sale Amount: $550,000

Sale Date: March 22, 2010
Buyer: A. Douglas Collins
Seller: Corner Shops LLC

22. Collins Buys Parcel In Lakeland’s Corner Shops -

Doug Collins has paid $550,000 for a roughly three-acre outparcel of the Corner Shops in Lakeland. The seller was Corner Shops LLC and the sale closed March 22.

23. Local CRE Market Falters in February -

All the talk about commercial real estate’s doldrums is bolstered by Shelby County’s latest numbers, which underscore how much the sector is still hurting.

Because of tightened lending guidelines and companies’ hesitance to make real estate moves, the numbers continue to shrink with each month of the recession.

24. NuVasive Files Permit to Renovate Southeast Memphis Facility -

4670 E. Shelby Drive
Memphis, TN 38118
Permit Amount: $1.6 Million

Project Cost: $1.6 million
Permit Date: Applied February 2010
Completion: TBA
Owner: NuVasive Inc.
Tenant: NuVasive Inc.
Contractor: Montgomery Martin Contractors LLC
Architect: Looney Ricks Kiss Architects Inc.

25. Hyneman Buys 99 Highland Point Lots -

Riverbirch Nashville LLC, whose principal is Kevin Hyneman, has paid $1.3 million to Renesant Bank for 99 lots in the Highland Point Subdivision in unincorporated Shelby County near Cordova. The sale closed in late January.

26. Q4 Permits Show Improvements -

A familiar trend in the housing industry played out during fourth quarter 2009. Like what happened with home sales and mortgages, building permits enjoyed a rare improvement as the year drew to a close.

27. Residential Building Heats Up in November -

Arlington is back in the news, although this time it has nothing to do with Mayor Russell Wiseman posting remarks on his Facebook page about President Obama and “A Charlie Brown Christmas” television special.

28. Arlington Subdivision Coughs to Life -

After a few years of starts and stops, a host of liens and other financial woes, the Cambridge Manor Planned Development in Arlington is finally getting under way.

Grant & Co. paid almost $1.9 million for all 45 lots of the subdivision’s first phase and plans to bring a model home plus six speculative homes to the development within the next 90 to 100 days, said company president Keith Grant.

29. More Building Permits Bode Well for Housing Market -

For the second straight quarter, homebuilders pulled more permits than the previous period, perhaps signaling the beginning of the end for the housing crisis.

Builders started 144 homes during Q3 (July through September), according to the latest data from Chandler Reports, www.chandlerreports.com. That marked a 47.3 percent drop from 273 starts in Q3 2008, but it also marked a slight improvement over 141 permits made during the second quarter of 2009.

30. Golf Performance Center Slated For Timberlake’s Mirimichi -

6129 Woodstock Cuba Road
Millington, TN 38053
Permit Amount: $1.3 Million

Project Cost: $1.3 million
Permit Date: Applied October 2009
Completion: 2010
Owner: Big Creek Golf LLC
Tenant: Callaway Performance Center
Contractor: Eagle Contractors Inc.
Architect: N/A

31. Roller Properties Buys Lot For Car Care Center -

Olive Branch-based Roller Properties LLC, the parent company of Cecil’s Automotive, has purchased for $695,000 a 1.01-acre lot on Houston Levee Road for a new full-service car care center. The sale took place Sept. 23. The seller was Kevin Hyneman of Kevin Hyneman Cos.

32. Q2 Building Permits Continue Downward Trend -

The homebuilding industry in the mid-2000s distinguished itself through a record-setting pace – each year it seemingly topped the previous one in terms of housing starts.

Now, the converse of that is true as builders consistently set new lows because of the ongoing housing crunch and credit crisis.

33. Hyneman Sells Lakeland Outparcel To California Investors -

2957 Canada Road
Lakeland, TN 38002
Sale Amount: $2 Million

Sale Date: June 19, 2009
Buyer: Debbie Ann Martinez and Michael Amerio, as trustees of the Debbie Ann Martinez 2003 Trust (50 percent); and Dawn Lizabeth Bubion and Michael Amerio, as trustees of the Dawn Lizabeth Bubion 2003 Trust (50 percent)
Seller: Corner Shops LLC

34. Lakeland Outparcel Sold to Calif. Investors -

A one-acre outparcel of the Corner Shops retail center at 2957 Canada Road in Lakeland has been sold for $2 million to a pair of California-based trusts. Corner Shops LLC, whose principal is developer Kevin Hyneman, sold the parcel June 19. The one-acre property has a land lease with Regions Bank to build a branch there.

35. More Cash Available for First-Time Buyers -

The Memphis Area Home Builders Association is launching a program that will allow first-time homebuyers to borrow their down payments from the organization’s nonprofit division and repay it from their $8,000 federal tax credits.

36. Sales Drop 50% Despite Builders’ Best Efforts -

Green building isn’t an instant salve for the ailing real estate market, but some local builders are moving in that direction as they continue to cope with slumping home sales.

Phil Chamberlain of Chamberlain & McCreery Inc. recently earned the Certified Green Professional (CGP) designation from the National Association of Home Builders, which he hopes will provide another viable option for prospective buyers in these difficult times.

37. Bank of Bartlett Extends Its Reach to Downtown -

Bartlett and Downtown Memphis are separated by about 15 miles, what could be perceived as a political and cultural divide and different economic centers of gravity.

All of which are reasons why the millions of dollars pumped into the Downtown economy over at least the past decade by Bank of Bartlett, which was established in the small town of the same name in 1980, might be easy to overlook. But those reasons also put into context the bank’s consistent and generous investment in Downtown projects of all stripes.

38. New Insights Surface In Cooper Testimony -

Joe Cooper gave an insider's account of the private deals, expensive favors and back room meetings now apparently commonplace in Memphis politics.

What the former Shelby County commissioner, car salesman, political consultant and now twice-convicted felon also alleged in a sworn statement Dec. 20 is that real estate developer Rusty Hyneman lied about being involved in one of those favors in a recent lawsuit.

39. Archived Article -

2855 N. Houston Levee Road
Cordova, TN 38016
Sale Amount: $4.6 million

Sale Date: Oct. 23, 2007

Buyer: JF Storage Holding LLC

40. Archived Article -

Two lots in
Wolf River Office Park
Sale Amount: $3.9 million

Sale Date: Oct. 10, 2007

Buyer: Cypress Realty Holdings Co. II LLC

41. Cypress Realty BuysWolf River Office Park Lots -      Cypress Realty Holdings Co. II LLC has bought two lots totaling 6.67 acres in Wolf River Office Park from J. Kevin Hyneman and Jeffrey Bronze for $3.9 million.
     In conjunction, Cypress f

42. Landstone to Break Ground On Medical Building -      Greg McGaw, principal of Landstone Medical Properties, has revealed plans for a new two-story, 44,000-square-foot medical office building to be built at 7500 Wolf River Blvd. The announcement came last week at an address

43. Casting Lots -

One look at the map and it's easy to see why Arlington and Lakeland have been dominating lot sales.

Tucked inside Shelby County's eastern boundary and boasting easy access from Interstate 40 and Tenn. 385, the Arlington/Lakeland area is perfectly situated as a bedroom community for Memphis.

44. Builders, Developers Could Pay Hefty Fines For Not Following New Erosion Rules -

April showers bring May flowers, but rain throughout the year brings the potential for tainted waterways.

Without protective measures, rainwater can flow through a construction site and carry dirt and other debris into storm drains. The muddied water then can enter rivers and streams, contaminating drinking water and wildlife habitats.

45. Family Ties: Bartlett subdivision brings together four building companies under the Grant family umbrella -

Lots in
Elpine Gray Estates
Loan Amount: $2.6 million

Loan Date: Jan. 9, 2007

Maturity Date: Jan. 9, 2008

46. Archived Article -

Parcels in Herons Ridge
And Plantation Oaks Subdivisions
Loan Amount: $3.5 million

Loan Date: Nov. 14, 2006

47. Shaw's Ridge LotsSell for $3.1 Million -      Shaw's Ridge LLC has bought 73 lots in phase two of Shaw's Ridge Planned Development from Kevin Hyneman and Wayne A. Christian for $3.1 million. The development is south of Interstate 40 east of New Airline Road in Arlin

48. Archived Article -

3.13 acres on
Wolf River Boulevard
Loan Amount: $7.6 million

Loan Date: Aug. 17, 2006

Maturity Date: July 1, 2007

49. Arlington's Growing Medical Community Might Get New Hospital -

The small towns that surround Memphis are no longer the new frontiers they once were. Unbridled growth occurring in places like Arlington - the northeast Shelby County municipality of more than 7,500 residents - resembles one of those department store contests in which shoppers cram as many goods into their carts as they can.

50. Archived Article -

6420 Knight Arnold Road Ext.
Memphis, TN 38115
Sale Amount: $14.8 million

Sale Date: June 30, 2006

51. On Shaky Ground? -

The development team that's building Flagship Condominiums on Mud Island still is tweaking plans for the project, which will be a continuation of the award-winning Harbor Town community.

But the finish line is getting closer. And once that happens, Flagship will have snatched up some of the last available waterfront on Mud Island, property near the Auction Street bridge that was once thick with trees. Part of the land also was the site of a massive landslide in 2002 and has been at the center of a variety of development schemes over the years.

52. Sutherland Clinic FilesLarge Construction Loan - The Sutherland Cardiology Clinic Rental Co. LLC has purchased 4.32 acres on Wolf River Boulevard in Germantown from J. Kevin Hyneman and Jeffrey Bronze for $2.5 million. In conjunction with the purchase, Sutherland filed an $11.8 million construction

53. Mud Island Area Gets Traffic Help in a Roundabout Way -

Mud Island residents could be going in circles by early May, as Dixieland Contractors continues building the $750,000 Mud Island roundabout at the intersection of Auction Street and Island Drive.

A roundabout is a type of road junction in which traffic travels in a circle around a central point. Drivers entering a roundabout have to yield to traffic that's already within the loop. The Mud Island Roundabout will be 120 feet in diameter and have two lanes circling a landscaped, two-tiered center.

54. Mud Island PropertyFinanced for $8.5 Million - Hyneman & Bronze LLC has taken out a construction mortgage on 10.78 acres near Island Drive and Auction Avenue on Mud Island. The property, located in a flood plain district zoned for highway commercial use, has an anticipated land use as an apartmen

55. Archived Article -

3357 E. Winchester Place
Memphis, TN 38116
Cost: $1.7 million

Buyer: Village Square I LLC, c/o Cascade Affordable Housing LLC

56. Shaw's Ridge LLCBuys Arlington Property - Shaw's Ridge LLC has purchased 83 lots in phase one of Shaw's Ridge Planned Development in Arlington from Kevin Hyneman and Wayne A. Christian for $3.3 million. The lots are part of 38.84 acres Hyneman and Christian bought in March 2004 for $1.2 mill

57. Site Work Starts on Bartlett Development -

When Elisha Gray purchased 80 acres of land on Old Brownsville Road in 1917, it was to sustain his family and meet their everyday needs. The property contained an orchard and a farm, and the family farmed the land and sold food to neighbors for money. Gray baled hay, made molasses and his son, Elisha Gray Jr., drove a "cab" - the family car - to carry neighbors back and forth to Memphis or wherever they needed to go.

58. Property Near Old Brownsville Road Slated for Subdivision -

38.62 acres near
Old Brownsville Road
Cost: $3.5 million

Borrower: Elpine Grey LLC

Lender: Trust One Bank

59. Hyneman Finances LandNear Old Brownsville Road - Elpine Grey LLC has financed 38.63 acres near Old Brownsville and Shadowlawn roads through Trust One Bank for $3.5 million. The property includes 10 parcels sold under separate deeds for a total of $922,507. The mortgage, a construction loan, is due

60. Mud Island Project Enters New Phase -

Lenox Homes LLC, Bronze Builders and Chris Christian Homes LLC hit pay dirt when they set their sights 10 years ago on a picturesque stretch of land along the Mississippi River now known as Island Point.

61. David Miller FinancesLots in Carlyle Place - David Miller LLC has financed 14 lots in phase two of Carlyle Place Subdivision through BancorpSouth Bank for $2.1 million. The property was purchased from Rusco Co. for $477,000. Rusco received the property in 2003 as part of 47.18 acres quitclaimed

62. Archived Article: Trends - By Andy Meek

Developers Foresee Year of Urban Reinvestment

ANDY MEEK

The Daily News

The waiting list for a new 200-lot development on Mud Island speaks for itself.

A sense of urgency. More than 400 people are vying for one of develope...

63. Archived Article: Trends - Ron Rau, broker for Lenox Realty

Riverfront Projects Spark More Downtown Interest

ANDY MEEK

The Daily News

Developer Kevin Hynemans recent purchase of 8.7 acres of Mud Island property is further proof, if any was needed, that the 1-squar...

64. Archived Article: Real Recap - Rusco Plans Subdivision Near Houston Levee Road

Rusco Plans Subdivision Near Houston Levee Road

24.78 acres on

Houston Levee Road

Cost: $2.7 million

Borrower: Rusco Co.

Lender: Renasant Bank

Trustee: Michael J. McCarver

Prope...

65. Archived Article: Island (lead) - New, revised plans awaiting Mud Island property

Mud Island Property Hangs in Balance

Developer reworks plans for homes on south end of island

ANDREW BELL

The Daily News

On an August morning a little less than two years ago, a surprise...

66. Archived Article: Lenox (lead) - Lenox Begins Sixth Phase of Mud Island Development

Mud Island Sees More New Homes

Lenox begins sixth phase of affordable Downtown community

TERRE GORHAM

The Daily News

With a growing number of residents now more than 8,000 calling Dow...

67. Archived Article: Real Review - (03146063)

HUD announces home sales record for June

The Census Bureau and the Department of Housing and Urban Development released data showing that sales of new single-family homes set a monthly record, with 1.16 million homes sold in June. <...

68. Archived Article: Ccrfc - Center City board adopts PILOT policy changes

Center City board adopts PILOT policy changes

By STACEY WIEDOWER

The Daily News

The Center City Revenue Finance Corp. voted Tuesday to approve changes to the policies and procedures governing...

69. Archived Article: Rdc (lead) - RDC lobbying Congress for riverfront funds

RDC lobbying Congress for riverfront funds

By DAVID LYONS

The Daily News

At its regular monthly meeting Wednesday, the Riverfront Development Corp., or RDC, approved a number of motions designed...

70. Archived Article: Lucb (lead) - By JENNIFER MURLEY Wave of homes set to hit Island By JENNIFER MURLEY The Daily News The Memphis and Shelby County Land Use Control Board will consider development plans for another round of new homes on Mud Island at todays monthly meeting. The...

71. Archived Article: Law Focus - Floodplain no obstacle to development says

Opposition to wetland development silent, Vergos says

By MARY DANDO

The Daily News

When is a floodplain not a floodplain? When the U.S. Army Corps of Engineers says its not.

That seems to be ...

72. Archived Article: Island (lead) - Mud Island property purchase finalized

Developer buys Mud Island property

By SUE PEASE

The Daily News

Local developer Kevin Hyneman finalized the purchase of 21 acres on Mud Island, bringing plans to build on the vacant land closer to re...

73. Archived Article: Real Review - Mid-America meets

Mid-America meets

third quarter expectations

Mid-America Apartment Communities Inc. announced funds from operations for the third quarter ended Sept. 30 of $14.3 million, or 70 cents per share. This is in line with recentl...

74. Archived Article: Lucb (lead) - Residents of a Cordova community are banding together to oppose the a new planned development in the area that could cause pot Residents balk at new housing plan in Cordova By JENNIFER MURLEY The Daily News Residents of a Cordova community are bandi...

75. Archived Article: 3rd Qtr Homes 98 Lj - By LAURIE JOHNSON Housing starts rise in third quarter 98 By LAURIE JOHNSON The Daily News Housing starts were up in Shelby County in the third quarter compared to the same period a year ago primarily due to dry weather and low interest rates, accor...

76. Archived Article: Hyneman-miller Chg - By CAMILLE H Partnership to build retail/warehouse space on four acres in Cordova By CAMILLE H. GAMBLE The Daily News A local limited liability company has purchased four acres of vacant land at Herbert and Fischer Steel roads with plans to build fo...

77. Archived Article: Meadow Creek Lj - lj 10/5 cates Construction begins on Meadow Creek subdivision By LAURIE JOHNSON The Daily News Groundwork has begun on the first phase of Meadow Creek, a new subdivision designed to attract the move-up market located on the east side of Germantown P...

78. Archived Article: Oakleigh Hyneman Lj - lj 10/5 cates Development will fill niche in Germantown By LAURIE JOHNSON The Daily News Land development is scheduled to begin next month for the Gardens of Oakleigh, a niche-market subdivision that will be located on Poplar Pike in Germantown. The...

79. Archived Article: Dexter Road Lj - lj 10/5 cates Wolfchase area site of two new multifamily projects By LAURIE JOHNSON The Daily News Two apartment communities with a total value of $44 million are now in the beginning stages of construction in the Cordova/Germantown corridor, an are...

80. Archived Article: Timber Prices Lj - lj 10/5 cates New trade pact limiting lumber may mean higher home prices By LAURIE JOHNSON The Daily News A new trade pact reducing the U.S. supply of Canadian export timber has contributed to a drastic one-month jump in lumber prices and is already...

81. Archived Article: Housing Starts - 04-10 chg housing starts Cordova tops area home building for first quarter By CAMILLE H. GAMBLE The Daily News Cordova leads the area in housing starts for the first quarter of 1996 for Shelby County, with 343 building permits filed for residential ...

82. Archived Article: Real Review Lj - lj 10/5 cates Real Review Market Commentary. During the week ahead, several announcements will have an impact on the mortgage market, according to Albert Santi, branch manager of Signet Mortgage. His prediction: rates will increase. Last week intere...

83. Archived Article: Real Review Lj - lj 10/5 cates Real Review Market Commentary. During the week ahead, several announcements will have an impact on the mortgage market, according to Albert Santi, branch manager of Signet Mortgage. His prediction: rates will increase. Last week intere...

84. Archived Article: Real Review Lj - lj 10/5 cates Real Review Transactions. Farnsworth Industrial Properties III LLC, a Tennessee limited liability company, composed of Thomas C. Farnsworth Jr. and Thomas C. Farnsworth III, borrowed $2.7 million from Deposit Guaranty National Bank, se...

85. Archived Article: Real Review Lj - lj 10/5 cates Real Review Market Commentary. During the week ahead, several announcements will have an impact on the mortgage market, according to Albert Santi, branch manager of Signet Mortgage. His prediction: rates will remain unchanged to slight...