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home: Zillow Sees New Record Lows for Mortgage Rates - 01/11/12 09:50 AM
 
 MORTGAGE LOCK ADVISORY 
January 11, 2012, 6:45 AM PST
Click for Lock Advice Updated Several Times Daily  
   
Mortgage Interest Rate lock Advice for locks within 7 days:  LOCK
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.01 point.  The 0.34 decrease in MBS prices from yesterday to today was due to the MBS market moving from a January to a February coupon and does not effect points.
 
30 Day Mortgage Interest Rate Lock or Float Advice:  FLOAT with Caution
There is not conclusive evidence to lock but, In this uncertain market the best advice is to … (0 comments)

home: No Excuses... Just Appointments - 01/10/12 09:50 AM
 
MORTGAGE LOCK ADVISORY 
January 10, 2012, 6:30 AM PST
Click for Lock Advice Updated Several Times Daily  
   
Mortgage Interest Rate lock Advice for locks within 7 days:  LOCK
Mortgage Points based on 3.5% Mortgage Backed Securities are the up 0.03 point.  MBS are seriously overbought and the market could reverse in the next couple of days.
 
30 Day Mortgage Interest Rate Lock or Float Advice:  FLOAT with Caution
There is not conclusive evidence to lock but, In this uncertain market the best advice is to lock at historic low rates.
 
MORTGAGE MARKET INDICATORS
National Average Fixed Rate … (0 comments)

home: RATE LOCK & MARKET ADVISORY - January 9, 2012 - 01/09/12 06:20 PM
 MORTGAGE LOCK ADVISORY 
January 9, 2012, 3:00 PM PST
Click for Lock Advice Updated Several Times Daily  
   
Mortgage Interest Rate lock Advice for locks within 7 days:  LOCK
Mortgage Points based on 3.5% Mortgage Backed Securities closed down 0.07 point.  MBS are seriously overbought and the market could reverse in the next couple of days.
 
30 Day Mortgage Interest Rate Lock or Float Advice:  FLOAT with Caution
There is not conclusive evidence to lock but, In this uncertain market the best advice is to lock at historic low rates.
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.91% … (0 comments)

home: AM RATE LOCK & MARKET ADVISORY - January 6, 2012 - 01/06/12 10:00 AM
 
 MORTGAGE LOCK ADVISORY 
January 6, 2012, 6:45 AM PST
Click for Lock Advice Updated Several Times Daily  
   
Mortgage Interest Rate lock Advice for locks within 7 days:  LOCK
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.01 point. 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  FLOAT with Caution
There is not conclusive evidence to lock but, In this uncertain market the best advice is to lock at historic low rates.
 
MORTGAGE MARKET INDICATORSNational Average Fixed Rate Mortgage 3.95%   MBS (3.5%) - 102.92, High: 103, Low: 102.72   DJI Stocks currently $12,372.41,  Down $-43.29, Change -0.35%   Asian & … (0 comments)

home: Bernanke calls for nationwide REO rental program - 01/05/12 11:27 AM
MORTGAGE LOCK ADVISORY 
January 5, 2012, 8:00 AM PST
Click for Lock Advice Updated Several Times Daily  
   
Mortgage Interest Rate lock Advice for locks within 7 days:  FLOAT
Mortgage Points based on 3.5% Mortgage Backed Securities are up 0.03 point. 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  FLOAT with Caution
There is not conclusive evidence to lock but, In this uncertain market the best advice is to lock at historic low rates.
 
MORTGAGE MARKET INDICATORS National Average Fixed Rate Mortgage 3.95%   MBS (3.5%) - 102.81, High: 102.86, Low: 102.66   DJI Stocks currently $12,372.26,  Down $-46.16, Change -0.373%   Asian & European … (3 comments)

home: AM RATE LOCK & MARKET ADVISORY - January 4, 2012 - 01/04/12 09:48 AM
 
MORTGAGE LOCK ADVISORY 
January 4, 2012, 6:30 AM PST
Click for Lock Advice Updated Several Times Daily  
   
Mortgage Interest Rate lock Advice for locks within 7 days:  FLOAT
Mortgage Points based on 3.5% Mortgage Backed Securities are Down 0.11 point. 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  FLOAT with Caution
There is not conclusive evidence to lock but, In this uncertain market the best advice is to lock at historic low rates.
 
MORTGAGE MARKET INDICATORS National Average Fixed Rate Mortgage 3.91%   MBS (3.5%) - 102.93, High: 102.94, Low: 102.81   DJI Stocks currently $12,373.77,  Down $-23.61, Change -0.191%   Asian & … (0 comments)

home: AM RATE LOCK & MARKET ADVISORY - December 30, 2011 - 12/30/11 09:42 AM
 
DAILY MORTGAGE LOCK ADVISORY 
December 30, 2011, 6:45 AM PST
Click for Lock Advice Updated Several Times Daily  
   
Mortgage Interest Rate lock Advice for locks within 7 days:  FLOATMortgage Points based on 3.5% Mortgage Backed Securities are down 0.18 point. 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  FLOAT with Caution
There is not conclusive evidence to lock but, In this uncertain market the best advice is to lock at historic low rates.
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.91%         MBS (3.5%) - 102.88, High: 102.92, Low: 102.69   DJI Stocks currently $12,267.81,  Down $-19.23, Change -0.157%   Asian & European … (0 comments)

home: AM RATE LOCK & MARKET ADVISORY - December 2, 2011 - 12/02/11 09:41 AM
 
DAILY MORTGAGE LOCK ADVISORY 
December 2, 2011, 6:30 AM PST
Click for Lock Advice Updated Several Times Daily  
   
Mortgage Interest Rate lock Advice for locks within 7 days: LOCKMortgage Points based on 3.5% Mortgage Backed Securities are up 0.11 point.
 
30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK3.5% MBS price has repeatedly tried and failed to break above the long term resistance level of 102 and is now heading in the wrong direction.  In this uncertain market the best advice is to lock at historic low rates.
 
MORTGAGE MARKET INDICATORS National Average Fixed Rate Mortgage … (0 comments)

home: FHA Home Mortgage Loans in San Diego - UFMIP - 11/30/11 09:19 AM
FHA Home Mortgage Loan in San Diego - UFMIP
FHA Mortgage Insurance Premiums (MIP)FHA (Federal Housing Administration) charges Mortgage Insurance Premiums (MIP) to protect the lender in the event of default.  They are collected by the lender and then forwarded to FHA.
There are two types of MIP. charged on FHA loans.  Up Front Mortgage Insurance Premium (UFMIP) and Monthly Mortgage Insurance Premium MIP. 
UFMIP is currently a fixed amount and was expected to become a variable amount based on the borrowers credit and loan to value in late 2009.  Actually, Risk Based UFMIP was intiated in July 2008 then placed on a … (8 comments)

home: Rancho Bernardo Real Estate and Rancho Bernardo Homes for Sale - 08/15/09 08:06 PM
Rancho Bernardo Real Estate and Rancho Bernardo Homes for Sale

Rancho Bernardo is a San Diego community nestled in the North San Diego County foothills, established in 1962 by the San Diego City Council, and it has since grown to about 17,000 homes, covering over 7000 acres. Rancho Bernardo is a beautiful master-planned community of residential, light industry, shopping, parks and golf courses - a "52-week vacation-land", located off Interstate 15 in North San Diego County.   More than 40,000 residents make Rancho Bernardo their home. One of the top master-planned communities in the Country, Rancho Bernardo is well known for … (3 comments)

 
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Bill Ladewig Your FHA Guru - FHA and VA Loans Since 1970

Escondido, CA

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Address: San Diego, Escondido, Vista, San Marcos, Oceanside, Rancho Bernardo, Poway, Scripps Ranch, Penasquitos, Shadowridge, Rancho Del Oro, Escondido, CA, 92025

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