aj: How The Sub-Prime Crisis is Affecting Mortgage Rates. - 07/03/08 10:04 PM
In my last post, I talked about Why ARM Mortgage Rates are High even though standard measures (a steep yield curve) suggest that ARM rates should be lower.  This divergence is a result of the sub-prime crisis.

Basically, Mortgage Rates and the 10Y Treasury Rates have diverged considerably since July 2007 due to … (4 comments)

aj: Why ARM Rates HIGH!!!!! - 07/02/08 11:08 PM
Why ARM Rates are Higher Than Standard Measures Suggest They Should Be. The yield curve has steepened in recent weeks (current difference in yield between the 2yr treasury and 10yr treasury is 208 bps).  Generally, when the curve steepens, the difference in ARM rates and 30yr mortgage rates increases.  
In a … (2 comments)

aj: Well, It's a Done Deal. Bank of America has Purchased Countrywide! - 07/01/08 11:53 AM
July 1st is Bank of America's Legal Day One in the Purchase of Countrywide
It is a Done Deal.  Bank of America has completed the purchase Countrywide.  Now Bank of America will focus on merging the 2 companies.  The  Bank of America's mortgageheadquarters will now be located in Calabasas, California. 
… (13 comments)

aj: Should High Net Worth Clients/Investors Invest in Real Estate or Hedge Funds? - 07/01/08 12:38 AM
FIRST, I CAN'T ANSWER THAT QUESTION!  BUT HISTORY HAS SHOWED US HEDGE FUNDS ARE NOT THE ANSWER EITHER!   LOL
Lets take a look at Hedge funds as to why they often decided to MAKE HIGH RISK INVESTMENTS (that help frame the collapse of the real estate market and our credit markets, … (0 comments)

 
Loan Officer: Alan 'AJ' Nisen California Contra Costa Mortgage Officer (A Large Bank in America)
Alan 'AJ' Nisen California Contra Costa Mortgage Officer
Lafayette, CA
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A Large Bank in America

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AJ, as part of the Active Rain family, uses this forum to discuss issues that affect the Real Estate market, all aspects of Mortgages, Loans and refinancing, to build working relationships and friendships. AJ’s conversations include such topics as, the sub prime lending fallout, mortgage market changes, and localism (revitalizing downtowns, business growth, community volunteerism and events)

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