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Mortgage Rate "movers" today- 1/29/09 - 01/29/09 03:59 PM
Stocks, Treasuries, and Mortgage-Backed Securities(MBS) all showed significant losses today. Weaker than expected economic data was consistent with the decline in stocks, but Treasuries and MBS usually benefit from weak economic news. Bond markets continued to suffer for a second day after the Fed did not announce a definite plan to purchase Treasuries. December New Home Sales fell far more than expected to a record low level of 331K annual units. New Home Sales for 2008 dropped to the lowest level since 1982. The 5-yr Treasury auction received weaker than expected domestic demand, but foreign investors purchased a stronger than average (0 comments)
Mortgage Rate "movers" today- 1/28/09 - 01/28/09 03:40 PM
It was a volatile session in the Mortgage-Backed Securities market today. First favorable and later unfavorable repricing took place. MBS prices fell after the release of the Fed statement, and Treasuries dropped far more. Investors were hoping for more clarity on the circumstances which would cause the Fed to purchase Treasuries in addition to MBS. The Dow rose 200 points. Tomorrow, Durable Orders, Jobless Claims, and New Home Sales will be released. There will be a 5-yr Treasury auction at 1:00 et.As expected, the target for the Fed Funds rate remained unchanged, close to a level of zero. Heading into the (0 comments)
Stop the In"sue"anity!! - 01/27/09 09:16 AM
Saw a news item in the morning paper that just made me cringe...and had nothing to do with the housing industry, for a change!!! A Wisconsin State Supreme Court ruling yesterday says that a former Cheerleader cannot sue another cheerleader who had dropped he during a 'stunt' in 2004. WHAT??? I have a daughter who dances, and sometimes she falls during practice, or strains something during a dance. Would I even think of suing the instructor?????NO. In this case, a female cheerleader was dropped & injured her head during warmups for a High-School basketball game. She sued the boy who had dropped her, (8 comments)
Mortgage Rate "movers" for the week ahead- 1/25/09 - 01/25/09 04:14 PM
The major highlight this week will be Wednesday's Fed meeting. With the fed funds rate close to zero, rate cuts may no longer be an option. The Fed has many other tools at its disposal, though, and the accompanying statement will be highly anticipated. A wide range of other beconomic data will come out this week as well. Gross Domestic Product (GDP) for the fourth quarter will be released on Friday. GDP is the broadest measure of economic activity. Durable Orders, another important indicator of economic activity, is scheduled for Thursday. The Chicago PMI national manufacturing index will come out on Friday. Housing market (2 comments)
Fed Chief Bernanke wrestling with Mortgage Rates - 01/23/09 10:10 AM
This past week, Federal Reserve Chairman Ben Bernanke, publicly laid out an aggressive agenda for our central bank and suggested that he's hardly out of ammunition to fight the global financial crisis. He also gave explicit support to efforts by Congress and President-elect Barack Obama to create the largest short-term economic stimulus plan the nation's ever seen. He cautioned, however, that any stimulus plan would be doomed if problems in the financial and credit markets aren't fixed. Bernanke outlined a number of steps that'll be taken this year to have the Fed purchase, as a buyer of last resort, the distressed assets (2 comments)
Low Rates Likely to Stay, But Cash-Out Refi's are still Elusive - 01/22/09 07:10 PM
To get us through the early part of this new year, let's get some perspective on what could be driving real estate matters in the weeks to come. First off, it looks as if low fixed interest rates for mortgages-now around 5%-will be with us awhile. But rates could begin to rise if the stock market recovers. Investors who have flocked to the relative safety of Treasury bonds will shift their money to Wall Street if it seems profitable. Treasury bonds today offer little or no return to investors, who would at least get a somewhat thicker mattress if they put (1 comments)
Feel the "change"...in Mortgage Rates?? - 01/22/09 11:52 AM
So, do you still feel 'change' coming today??? I ask that tongue-in-cheek because the only change that has been going on the past week is Mortgage Interest rates creeping upward about 3/8ths of a percent! I've gotten a lot of e-mails asking me "why", so I thought I would try and answer many of those questions in 1 blog entry! In a nutshell, investors in Mortgage Bonds right now are scared. A few weeks ago, the Federal Reserve announced a plan to buy up Mortgage Bonds as a way to lower mortgage interest rates. Rates quickly did drop, as investors knew (3 comments)
What's in store for the housing industry now?? - 01/21/09 11:43 AM
Now that we have begun a new Presedential era and will embark on what could be the most expensive economic stimulus package in history, Americans will soon discover how unfolding events will affect the housing market. Last year was the nastiest housing market on record. Economists and industry experts expect another dismal year, marked by lackluster sales and falling prices as demand remains weak because of slumping consumer confidence, tighter lending standards and rising unemployment. Also likely to impact the market: between $60 billion to $100 billion of ALT-A and Option ARM loans which will probably reset early because of falling home prices, (2 comments)
Mortgage Rate "movers" today- 1/9/09 - 01/09/09 10:41 AM
Investors knew that the economy was in tough shape in December, and there was little reaction to today's Employment report. The economy lost -524K jobs in December, which was very close to the consensus forecast. The Unemployment Rate jumped to 7.2%, the highest level since 1993, from a revised 6.8% in November. 2.6 million jobs were lost in 2008, mostly during the final four months of the year. The manufacturing and construction sectors remained weak, while there were small gains in education and health care. Average hours worked fell to a record low, which may be a leading indicator for additional (0 comments)
Mortgage Rate "movers" today- 1/8/09 - 01/08/09 03:14 PM
The Fed announced that it purchased $10.2 billion in agency MBS between January 5 and January 7. The Fed may purchase up to $500 billion by the end of June. There was stronger than average demand for the 10-yr Treasury auction. The Dow fell 25 points. Jobless Claims announced this morning were lower than expected, and tomorrow the Employment report will be released at 8:30 et, and the consensus is for a loss of 500K jobs in December. President-elect Obama again warned about the negative impact of failing to pass an economic stimulus plan. (0 comments)
Are you aware of Credit Scoring changes coming soon? - 01/08/09 11:38 AM
Changes are finally coming to the "art" of credit scoring, the mathematical modeling of assigning a number score to how a Consumer uses credit. Soon, two of the three credit reporting bureaus will use a new model. Fair Isaac, the developer of FICO scores, has made the biggest change to its mathematical credit score model since it was introduced in 1989. Scores will still be on a 300- to 850-point scale. But the company estimates that 40% to 50% of borrowers' scores could go up or down by more than 20 points because of how the new model fine-tunes the variables (61 comments)
Mortgage Rate "movers" today- 1/6/09 - 01/06/09 03:40 PM
Today's economic data had little impact. November Pending Home Sales fell -4% to 82.3, below the consensus of 88.0, to a record low. December ISM Services came in a little higher than expected, while December Factory Orders fell short. The FOMC Minutes from the December 16 Fed meeting showed broad support for the rate cut to a 0.00% to 0.25% target rate and for the use of unconventional tools. Fed officials were concerned about the risk that the economic slowdown will last longer than expected. Surprisingly, though, with MBS prices remaining near the highs for the day, some investors issued unfavorable (2 comments)
It's been 3 business days. Still Motivated? - 01/06/09 10:42 AM
To me, it's always fun to notice how crowded my workout place is every January. I know that if I put up with the slight wait to do my 'work', that within a few weeks....it will all return to normal. Why? Because of human nature. It's HARD to change things long-term, and most of us are too busy, distracted, or tired to make the effort to break our normal cycles of life. I wrote a big column yesterday on changing your mindset for the new year. I wrote that in part for self-help....because I need to do it also! I'm trying (2 comments)
Start 2009 with a positive attitude! - 01/05/09 09:38 AM
Now more than any other time in our recent history, it is important that we find ways to stay positive no matter what. Why? Because success depends on your mindset, not on the economy or on the marketplace. I think when times get tough, people start to look outside of themselves for answers and what they really need to do is look inside themselves and ask themselves the question, "How can I stay positive, how can I stay hopeful, how can I stay optimistic?" I'm hoping that I will provide you with some tools to make it easier to be in a positive (3 comments)
Mortgage Rate "movers" for the week- 1/5/09 - 01/05/09 09:15 AM
This week, most of the "big news" is squeezed into 2 days. Friday, the important Employment report will come out. As usual, this data on the number of jobs, the Unemployment Rate, and wage inflation will be the most highly anticipated economic data of the month, since the condition of the labor market is perhaps the single biggest factor in the performance of the economy. Early estimates are for a loss of 475K jobs in December. Before that, the Pending Home Sales index, a leading indicator for the housing market, will come out on Tuesday. The FOMC minutes from the December 16 (2 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.