The Yield Curve’s Downside

The Treasury yield curve (remember that thing) has steepened in response to the Federal Reserve’s surprising half-percentage point rate cut ... standards (finally). “This type of movement is going to be negative for fixed mortgage rates which ... out fixed-rate mortgages, as they may see rates increase at a time when most would be hoping for lower rates [more...]

Date: 2007-09-19 18:17:50
Blog: MarketBeat Blog - WSJ.c...

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Three Cents Worth: Entering Markets Without ARMs

This week, our market analyst and chartmaster Jonathan Miller tackles the relationship between entry-level apartments and adjustable rate mortgages ... with adjustable rate mortgages. First time buyers leave the rental market for home ownership as affordability ... , outpacing the overall increase in units sold, yet ARM mortgage rates were generally [more...]

Date: 2007-09-28 15:30:59
Blog: Curbed : The New York C...

Friday’s Mortgage Interest Rates

Update 12:23 p.m.  Of course I no sooner post rates (stalling at RCG over the rates I posted this morning at Mortgage Porter) and I’m seeing new rate sheets with “price worsening”.   Argh.   Please contact your Mortgage Professional for current rates and to see if you should lock in at this time.  I do not advise floating [more...]

Date: 2007-09-28 19:14:47
Blog: Rain City Guide | A Se...

Mortgage Rates for Friday

The mortgage saga continues with the nations largest mortgage producer Countrywide Financial stating it faces ”unprecedented disruptions'’ that may ... -$650,000 (20% down).    Non-Conforming ARMs are priced out of the market. 30 Year Fixed: 7.125% (APR ... floating your interest rates.   Conforming Mortgage Rates (loan amounts up to $417,000 for 1-unit [more...]

Date: 2007-08-10 18:22:23
Blog: Rain City Guide | A Se...

Don’t look too hard.

Don’t look too hard. Sep 24, 2007 in Economy, Housing Bubble From today’s Clusterfuck Nation: ... of adjustable-rate mortgages — but mortgage rates have de-coupled from Fed rates, so that may ... out the big banks, which are in desperate need of cheap loan money to cover the losses [more...]

Date: 2007-09-25 00:03:56
Blog: Iowa Liberal ...

Phoenix Mortgage Rates Report- September 21, 2007

brian_smile.jpg Phoenix mortgage applicants and home buyers have had a roller coaster ride these past ten days ... artificially lowered yields. Those lower yields led to lower mortgage rates. Now, we’re reversing ... . That irrational fear causes us to advice all Phoenix mortgage applicants to cautiously float your rate [more...]

Date: 2007-09-21 17:10:06
Blog: Phoenix Real Estate an...

Mortgage Rates for Dummies

Mortgage interest rates are a source of confusion for many homeowners ... you will qualify including your credit; however, many homeowners are unaware that there is a “dark side” ... are outside of your control. Other factors include your credit score, property type, whether [more...]

Date: 2007-09-24 20:35:09
Blog: Mortgage Refinance Info...

It’s Friday and mortgage interest rates are…

Conforming Mortgage Rates (loan amounts up to $417,000 for 1-unit properties) ...  the change to the rate from my previous Friday’s rate post. 30 Year Fixed: 6.625% (APR 6.779%).  Payment per ... trying to catch “the lowest” rate. Find more articles tagged with:interest rates Mortgageinterest [more...]

Date: 2007-06-22 16:59:16
Blog: Rain City Guide | A Se...

ARMLS Marketwatch Report, Q1 '07

The Arizona Regional Multiple Listing Service just released their ARMLS Economic and Market Watch Report for the first quarter of 2007 ... , the report has the audacity to claim that " c ombined with historically low mortgage rates, home sales ... , defaults will rise as mortgage rates rise and employment begins to falter with the waning economy [more...]

Date: 2007-05-11 17:48:39
Blog: The Lippard Blog...

Quick reminder to lock in your mortgage

On the first Friday of every month, the Jobs Report comes out.   Tomorrow is the big day ... in the mortgage industry.   Locking in a mortgage interest rate not only secures that rate for your loan, it may also preserve that mortgage program.     With some lenders pulling back on certain programs, a few [more...]

Date: 2007-09-06 15:59:21
Blog: Rain City Guide | A Se...

How Not to Refinance Your Mortgage

Here’s an example of how not to refinance your mortgage; a typical refinancing transaction gone wrong ... who immediately goes into his sales mode pitching Jackie with a hybrid Adjustable Rate Mortgage ... d like to refinance her fixed rate mortgage and take cash back to pay off the bills she racked up during [more...]

Date: 2007-07-18 17:50:01
Blog: Mortgage Refinance Info...

Los Angeles Mortgage Rates Report: October 3, 2007

I'd like to start off this morning's report by recognizing my wonderful wife, Debra. We were married October 3, 1998 at St ... MAJOR economic reports coming out Friday, all employment related. If they are anemic, mortgage rates ... inflationary, you'll be protected. I'm going to feature JUMBO mortgage rates today ($417,000 [more...]

Date: 2007-10-03 15:27:38
Blog: NELA Live...

Weekly Roundup - 05/04/07

Here’s a quick look at the articles that caught my eye over the past week… FMF has a list of six steps to avoid foreclosure ... that your body shop won’t tell you. Jim talks about adjustable rate mortgages. On the flipside, MBH talks about fixed rate mortgages. JLP is looking for advice for graduates. Lazy Man lists the top ten ways [more...]

Date: 2007-05-04 10:26:24
Blog: personal finance tips ...

“Don’t count on it.”

From the New York Times: Will the Fed Reverse the Housing Slump? The Federal Reserve sent the stock market soaring yesterday ... it may not be bigger is that mortgage rates remain a good bit lower than they were for much ... for me this week in which he looked at home values, mortgage rates, tax rates and incom [more...]

Date: 2007-09-19 00:47:50
Blog: New Jersey Real Estate ...

My First Mortgage

I and my wife bought our first home in 1994. We chose an area on the western outskirts of Phoenix, Arizona ... . When I applied for financing, I went with a 7 percent variable rate mortgage instead of an 8.5 percent fixed-rate mortgage. I knew I could refinance later if the market conditions favored the fixed-rate [more...]

Date: 2007-08-15 13:58:52
Blog: Untwisted Vortex - Liv...

Before Choosing a Mortgage Broker, Get Answers

permalink | comments (2) Fixed-Rate Mortgages Remain Best Option I'll admit that I have used adjustable-rate mortgages in the past ... husband. I like to keep him on his toes. Ready to Read More Home Mortgage Articles? Click below: FICO ... . They always have and probably always will. Plus, when rates are low, it often makes sense to refinance [more...]

Date: 2007-04-11 06:00:23
Blog: Home Buying & Selling R...

H&R Block Taps $250 Million of Available Credit, Citing Problems in Commercial Paper

In an SEC filing this morning, H&R Block — parent of troubled subprime lender Option One Mortgage Company — said it had drawn $250 million against ... months. In mid-August, Cerberus-owned Aegis Mortgage filed for bankruptcy amid a growing industry ... rating cut to junk status by Fitch Ratings. Advertisement: Low Rate Second Mortgage Loans 125% Home [more...]

Date: 2007-09-25 20:04:18
Blog: Housing Wire ...

Greenspan’s Turbulence - Liberal’s Bandwagon

Former Federal Reserve Chairman Alan Greenspan, The Age of Turbulence: Adventures in a New World, ... Rates and Sub-Prime Mortgages Our hope was to raise mortgage rates to levels that would defuse ... : The Fed nonetheless maintained negative real interest rates for many more months to come [more...]

Date: 2007-09-17 13:41:25
Blog: Liberally Conservative ...

Signs of Recession in US Grow, Led by House Prices, Mortgage Payments

In the next 18 months, about 2.5 million households are supposed to be affected by mortgage rate adjustments ... this: Most of those subprime mortgages will be adjusted, not based on the Fed funds rate ... on long-term loans – such as mortgages. So, when the Fed announced its cut last week, long-term rates [more...]

Date: 2007-09-27 06:00:29
Blog: The Daily Reckoning Aus...

7 Tips to Get on the Property Ladder

Despite the much publicised problems in the US Housing Market, ... to live rent free when you have paid off the mortgage. Mortgages do fluctuate with interest rates. However, generally, mortgages become easier to pay over time. If your mortgage payments are currently [more...]

Date: 2007-09-11 15:53:04
Blog: lifehack.org : Product...

Friday’s Rates featuring Jumbo

A welcomed site for many home owners and potential homebuyers: jumbo mortgages and ARMs are returning to the market with better pricing ... Mortgage Rates (loan amounts up to $417,000 for 1-unit properties).  Conforming rate quote below based ... .  Prior to August, there was about a 0.25% difference between conforming and jumbo mortgage rates [more...]

Date: 2007-09-21 18:31:05
Blog: Rain City Guide | A Se...

As Mortgage Rates Rise, More Deals Sink

The suffocating embrace of the subprime crisis is definitely starting to take the wind out of the city’s residential deals ... practices and concomitant rising foreclosure rates. So it’s becoming clear that the mortgage industry crisis ... New Yorkers Grapple With Loan Rates NY Times Risky Loans Help Build Ghost Town of New Homes NY [more...]

Date: 2007-09-24 13:06:24
Blog: Brownstoner: Brooklyn R...

Phoenix Mortgage Rates Report- September 19, 2007

brian_smile.jpg The Federal Reserve cut both the discount rate and federal funds rate a full .5% yesterday ... .5% this morning while mortgage bonds seem to be flat. It won’t be long before the effect of this cut is seen in higher mortgage rates. This conundrum is what we’ve been concerned [more...]

Date: 2007-09-19 17:02:48
Blog: Phoenix Real Estate an...

5% mortgage rates and Baja blues

Goodnight, Jimmy Clausen. Various headlines, insights and stuff worth reading from here and there: ... -cutting by the Fed, which will mean lower mortgage rates soon: "It is reasonable to expect fixed mortgages in the fives shortly, a boost to buyers and an escape for those who need a refinance escape [more...]

Date: 2007-09-09 04:24:39
Blog: L.A. Land...

LPMI, PMI and 80/20 Mortgages…Oh My!

Note:  I should have titled this post:  ”LPMI, PMI and Piggy Back Mortgages…Oh My”.  I just realized my error thanks to Bill’s comment ... to Value (LTV) 90 80 90         2nd Mortgage       Loan Amount n/a 43,900 n/a Interest Rate ... 80 90         2nd Mortgage       Loan Amount n/a 65,800 n/a Interest Rate n/a 8.13 [more...]

Date: 2007-05-11 17:42:17
Blog: Rain City Guide | A Se...

Does Mortgage Refinancing Make Sense For You?

There are a variety of good reasons for refinancing your mortgage ... and is simply bad advice. Many homeowners elect to refinance their Adjustable Rate Mortgages ... . Many homeowners refinance because they want a better mortgage rate, a lower payment, they’re [more...]

Date: 2007-08-06 18:49:16
Blog: Mortgage Refinance Info...

Facts That Globe Reporters Can't Seem to Report

This morning the Boston Globe carried a front page story by Kimberly Blalnton about rising interest rates on variable rate mortgages ... property in 2004 for $712,000. Her first mortgage loan was for $569,600 (information courtesy ... (but of course the profit was realized via the large mortgage loans).Realtors could find [more...]

Date: 2007-09-30 12:24:32
Blog: Squaring the Boston Glo...

Borrow Intelligently

When my hubby and I decided to sell our other apartment, we engaged the services of a broker ... from this site is the Mortgage Calculator which can get you the best mortgage rates in town to suit every ... out Mortgage Brokers online.  At PersonalHomeLoanMortgages.com, potential property owners are provided [more...]

Date: 2007-04-12 03:15:36
Blog: Giddy Tigers...

Discount Mortgage Company Now Offers FHA and VA Loans

(Main News and Information) President Bush recently revealed a plan to extend Federal Housing Administration insurance to qualifying homeowners who may have fallen behind on their mortgage payments when they were affected by a rate increase with an adjustable rate mortgage AAXA Discount...... [more...]

Date: 2007-09-27 07:50:40
Blog: PRNN - News, Articles a...

Accelerated Mortgage Payments (and the GRS Amortization Calculator)

What if you’ve reviewed the compromises required to pay your mortgage early and the idea still appeals to you? ... . This would effectively earn me a guaranteed rate of return equal to my mortgage interest rate (6.25 ... . But you can do just as well by taking mortgage acceleration into your own hands. Here are three options I’ve [more...]

Date: 2007-10-02 02:13:55
Blog: Get Rich Slowly...

Adjustable Rate Mortgages Are Awesome!

This is a Devil’s Advocate post. When shopping for a mortgage, you have many choices, including typical fixed products such as a 30 or 15 year fixed mortgage, or more aggressive programs such as adjustable-rate mortgages, option-arms, and hybrid option-arms. Considering the average [more...]

Date: 2007-05-03 13:02:59
Blog: Blueprint for Financial...

Getting it Right about Greenspan

We were not planning to write about former Fed Chair Alan Greenspan or his book, but regular (and thoughtful) commenter Mike C ... out that he "advised" homeowners to take adjustable rate mortgages at exactly the wrong time.  Former ... : "...what about the chairman luring unsuspecting consumers into adjustable rate mortgages they couldn't afford? The [more...]

Date: 2007-09-29 04:00:50
Blog: A Dash of Insight...

Rising market indexes hit some borrowers, hard

Without a doubt, many people are being hit with higher mortgage loan payments each month, due to rising interest rates on their adjustable rate mortgage loans. I’ve been running a weekly ... man”, from American Fidelity. Presumably, this was Mrs. Auguste’s husband. His was a fixed-rate [more...]

Date: 2007-09-30 03:25:46
Blog: The Boston Neighborhoo...

UK property forecast

There are a lot of mortgage sites out there, so one has to know which is offering the best advice for the kind of service one needs ... for a home, using a Mortgage Calculator. The mortgage interest rate is expected to be 5.8%, a steady ... , but on the other hand net mortgages will increase. According to the Council of Mortgage Lenders (CML [more...]

Date: 2007-04-26 02:49:27
Blog: of travels and travails...

Friday’s Mortgage Rates

I’m tardy!  Between having my Processor on vacation and helping a client out of an option ARM and working on consultation for some new home buyers, yesterday was pretty packed.   Conforming Mortgage Rates (loan amounts up to $417,000 for 1-unit ... scores of 680 with an 80% loan to value or lower and a loan amount of $400,000.   Rates quoted [more...]

Date: 2007-09-15 16:18:35
Blog: Rain City Guide | A Se...

China's central bank raises mortgage interest rates

China has raised mortgage interest rates and increased the downpayment needed for loans to finance purchases of second homes in a move aimed at countering property speculation that is [more...]

Date: 2007-10-02 04:33:11
Blog: Turkish Daily News - Oc...

Real Estate: Deceptive Mortgage Advertising Language To Watch Out For

mortgagesign.jpg In an almost comical case of too little too late, the FTC wagged a big finger at deceptive mortgage ads Tuesday ... "Fixed" Rate!": Just how long is it really fixed for?"Very Low Rates!": What's low, the interest rate ... it's an interest only loan and you'll be due for a big lump sum payment?"Mortgage rates near 30-year lows [more...]

Date: 2007-09-12 11:50:15
Blog: The Consumerist: Shoppe...

Phoenix MLS Inventory Tops 53,000: Or, What the heck is a “Buyer’s Market”?

Data extracted from the Arizona Regional Multiple Listing Service (ARMLS): Active listings = 53,145 Active With Contingencies (AWC) ... for purchase. Fact: Mortgage rates are still near historical lows. Fact: Many sellers are willing ... to fall or start rising again? Will mortgage rates go up? Maybe, maybe not! Here's the honest truth — [more...]

Date: 2007-05-18 20:57:53
Blog: The Phoenix Real Estat...

How do consumers find ethical help?

This is my Ken Schrammie rant: How is it that a perfectly capable buyer of a home with nearly 770 FICO scores is placed into a short term Interest Only Adjustable Rate Mortgage with a start rate of 7%– sold with a 3 yr pre-payment penalty? How do you handle the situation in which same the borrower who is visibly concerned and states [more...]

Date: 2007-07-14 02:25:52
Blog: Rain City Guide | A Se...

Subprime Meltdown: Doomsday Coming in October For The Subprime Mortgage Industry

lasvegas.jpg Many consumers who signed up for adjustable rate mortgages in 2004 and 2005 will see their mortgage payments jump this October, ... lender Ameriquest. Scary, scary stuff. Mortgage resets: Record bill coming due CNNMoney (Photo ... increase. The chief economist for the Mortgage Banker's Association estimates that about 600,000 [more...]

Date: 2007-07-10 15:47:20
Blog: The Consumerist: Shoppe...

no closing costs?

no closing costs? Jim listens to a lot of talk radio, and he hears ads all the time advertising mortgage refinancing with no closing costs, ... . One of them called at 8:45 on Saturday morning and gave us access to an online mortgage calculator ... have a pretty decent rate on our mortgage for now but hey, if you can lower things and save money - why [more...]

Date: 2007-04-09 16:07:55
Blog: BuyMeBlog: online coup...

Moratorium on Mississippi foreclosures ends on Oct. 4

The foreclosure protection victims of Hurricane Katrina have had on their homes for two years is about to end ... housing crisis fueled by rising interest rates on subprime mortgages. The Mortgage Bankers Association ... a reasonable "carrying charge" rather than the full mortgage payment. The protection ends on Oct [more...]

Date: 2007-10-02 17:01:29
Blog: Everything And Nothing...

JustQuotes: Predicting, Pontificating And Forecasting From New York

"Earlier this year, Robert J. Barbera, who’s been a Wall Street economist for 25 years, was predicting a soft landing for housing — that is, ... , who correctly predicted yesterday’s Fed move. What has changed in recent weeks are the spike in mortgage rates ... firm called RealtyTrac reported yesterday that mortgage lenders had filed 244,000 foreclosure [more...]

Date: 2007-09-19 15:22:16
Blog: San Francisco real esta...

Market pressuring Fed to lowering rates even more

From Financial Times, Monday, August 20: The dramatic decline in the yield on short-term Treasury bills on Monday further strengthened market ... rate trend tool that compares historical mortgage rates with economic indicators.Yesterday ... reflected in the current sea change of asset reallocation. Note 30-year fixed mortgages are still [more...]

Date: 2007-08-21 01:34:35
Blog: TRANSPARENT REAL ESTAT...

Searching for the Best Mortgage Rate

Buying a home is probably the single most important purchase a couple can make together ... provides mortgage calculators to help estimate monthly payments and payoff projections so you’ll ... . Not only is finding the right house crucial but so is finding the right mortgage rate and package [more...]

Date: 2007-05-10 08:22:38
Blog: Write From Karen...

ARMs Look Scary Before They Look Good or (How Wall Street Dupes the Little Guy)

I don’t look real smart today, do I ? Mortgage rates in general took a fairly substantial dive during the previous week with longer term rates dropping double digits in most cases and some rates returning to mid-2006 levels. However, the Mortgage Bankers Association reported a spectacular increase in the interest rate of the one-year [more...]

Date: 2007-09-05 01:12:09
Blog: BloodhoundBlog: Real e...

Before the bell: Futures up, rally could continue

Filed under: Before the bell, Earnings reports, General Motors (GM), Morgan Stanley (MS), Economic data, HousingU.S ... the economy. Yet, bank have already cut prime rates and mortgage owners with adjustable rates may ... rallied across the board with the Dow Jones Industrial Average posting its best percentage gain [more...]

Date: 2007-09-19 07:50:00
Blog: BloggingStocks...

Today’s Mortgage Rates

Interest rates compliments of: Owens Financial Group Melanie Huddleston 1007 Ashland Terrace Suite 104B Chattanooga, TN 37415 423-648-7630 Conventional Fixed Rate 30 yr = 6.375% 20 yr = 6.25% 15 yr = 6% 40 yr = 6.625 FHA and VA 30 yr = 6.25% Rates subject to change Tags [more...]

Date: 2007-09-27 20:36:49
Blog: Chattanooga Tennessee H...

Understanding Your Mortgage Rate

Fears of recession have the stock market reeling. But for homeowners with adjustable-rate mortgages, recent talk about possible cuts in interest rates is sparking celebrations. read more [more...]

Date: 2007-09-12 02:26:20
Blog: The Money Times - Money...

Guest Post: Are free technology tools really free?

In two and a half years of blogging, I have had three different readers call me the "Matthew Lesko" of the mortgage industry ... agents. These tools included bond market updates, mortgage calculators, and live interest rates ... it. If you Google the term "mortgage," it's very likely that mortgage101.com will top the list (it varies [more...]

Date: 2007-06-26 23:02:16
Blog: Inman News Blog...

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