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For those of you who live in Northern California and follow the NBA’s Golden State Warriors, I’m sure you’ve heard of the catchy phrase “strength in numbers.”

By popular definition, it simply means that a group of people have more influence or power than one person.

Of course, this can imply a variety of things depending on how you want to use it. But in the sporting world, it’s no secret that every major professional sports team depends on its fan base to provide them with an edge when playing at their home arena or stadium.

As an example, sticking with the basketball connection for now, the Warriors had a record-setting 73 regular-season wins, 39 of them at their home arena.

This was largely due to the players performing at such a high level yet bolstered by perhaps one of the loudest home-court crowds in the NBA.

However, they just couldn’t get that last post-season win, the victory that would have given them their second title in a row.

Instead, they ran into a Cleveland Cavaliers team that won its first NBA championship and became the only team ever to rally from a 3-1 series deficit to win the NBA Finals.

Where am I going with this?

There’s all sorts of fun ways to analyze numbers. Both the Warriors and Cavaliers each did something special that no other team in NBA history was able to do.

Whether it’s old or new in the history books, certain statistics can hold up longer than others.

In the lending world, we often wonder if there’s “strength in statistics” because there’s no home-court or home-loan fan base to assist us in determining the best loan program or interest rate for you.

For instance, according to a past National Association of Realtors Profile of Home Buyers and Sellers report, the median tenure for a home seller over the last two-plus decades has been just six years.

In addition, from 1991-2015, the average yield on the 10-year Treasury note was 4.7 percent. Although recently, per the U.S. Treasury Department, the yield on the 10-year Treasury note was seen flirting with 1.60 percent.

Looking at these numbers, you should speak to your lender about the “strengths” of adjustable rate mortgages (ARMS).

If you fix your rate for either the initial seven or 10 years of the loan term, that would seem to cover the six-year median tenure statistic for a home seller and likely come with an even lower rate than the current ridiculously low 30-year fixed rates floating around today.

Speaking of “strength in ARMS,” my son’s Little League baseball team finished their season 23-0, winning both city and district titles for their age group.

While winning is definitely not everything at this level, like any other great achievements in team sports, it’s the strength in numbers that makes a difference. We’re proud of all the boys on this year’s team.

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Chris Salese can be reached at or 707-363-4439. He is a licensed California mortgage banker (NMLS 254469/1850 CA BRE 01377933/01215943) and equal housing lender.