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san diego: 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)
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san diego: 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)
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san diego: 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)
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san diego: 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)
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san diego: 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)
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san diego: 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)
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san diego: 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)
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san diego: 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)
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san diego: 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)
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san diego: This Will Make You a Rate Shopping Genius. - 10/16/09 03:08 PM
This will Make You a Rate Shopping Genius.
Mortgage Rate Shopping is not Rocket Science but you should know all the tricks.
Two Rules for Genius Mortgage Rate Shopping
Rule #1 Get it in writing.
Rule #2 Mortgage Rates, Points and Lender Fees are interdependent parts to each rate quote. When one part is Lowered another part must increase. A Rate Quote is worthless without all three quoted.
Valuable Mortgage Rate Shopping Tips.
Know your credit score before you begin shopping. Loan availability and the cost of your loan depend on your credit score. Most conventional lenders require a minimum 720 mid score, above 80% loan to value, from the three … (29 comments)
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san diego: San Diego FHA and VA Home Mortgages - 10/16/09 12:07 PM
San Diego FHA & VA Home Mortgages
FHA mortgage Loans offer 96.50% financing for all qualified borrowers and can be used many times. FHA mortgage loans are insured by HUD with Mortgage Insurance paid by by the borrower. There are two insurance premiums; up front mortgage Insurance (UFMIP) and monthly (MIP). UFMIP is a one time premium typically financed in the loan. MIP can be removed when the loan has seasoned for five years and the loan to value is 78% or less, based on the original appraisal.
VA mortgage Loans offer qualified veterans 100% financing and can be used over and over … (1 comments)
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san diego: Bill Ladewig California Mortgages - 09/01/09 01:12 PM
Bill Ladewig California Mortgages
My Experience is Your Advantage
FHA & VA Mortgage Specialist since 1970 FHA & VA Lender Consultant FHA & VA Mortgage Trainer FHA 203k Home Rehabilitation Loan Expert Certified CalVet Loan Officer CalHFA Home Loans Bill has been in the mortgage industry since 1970 as a FHA and VA home loan originator, branch manager, Mortgage Company Owner, Mortgage Consultant and Instructor. Bill began his mortgage career in Orange County and made North San Diego County his home in 1985.
During this time Bill has originated and closed several thousand FHA and VA Mortgages and conducted on-line mortgage training … (0 comments)
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san diego: 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
More about me…
Address: San Diego, Escondido, Vista, San Marcos, Oceanside, Rancho Bernardo, Poway, Scripps Ranch, Penasquitos, Shadowridge, Rancho Del Oro, Escondido, CA, 92025
Office Phone: (866) 204-9733
Cell Phone: (760) 685-0480
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Daily rate lock advice, mortgage market updates and information about new and existing mortgage loans.;)
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