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mortgages: Stated Income Mortgage Loans/ No Income Verification Loans - 07/29/12 06:27 AM
Stated Income Mortgage Loans Stated lncome mortgage loans are a very specific type of loan program. It is very different than a typical home loan. The way it works is just like it sounds; it’s a loan program that doesn’t require you to state any income and requires much less documentation. Where a more traditional loan requires a lot of documentation because the lender wants to insure themselves you are a safe and responsible borrower. With a no income stated loan you do need almost perfect credit and in most cases a fairly high down payment is required since it is (4 comments)
mortgages: About Me Nikitas Kouimanis The Loan Doctor Nikitas Kouimanis NMLS#9659 - 05/24/12 04:11 AM
I am a Mortgage Specialist NMLS # 9659 with 11 years of experience with great knowledge of all products in this industry. My goal has always been to make sure the loans I work on are the best fit for my clients. I have never and will never place a client in a program that doesn't fit their budget or lifestyle. I take great pride in my dedication to client satisfaction. I strive to develop a trusting, honest, long term relationship with my clients so much that, at the end, we are friends or even extended family. I am committed to (0 comments)
mortgages: ABOUT US Sterling National Bank - 05/24/12 04:00 AM
We Make Home Financing SimpleAt Sterling, we know that choosing the right home loan is one of the most important financial decisions you will ever make. That is why you can count on us to provide exceptional guidance and ensure your mortgage closes quickly and smoothly. Our reputable foundation is built on a strong base of referral sources and repeat customers who return to us year after year, home after home. Find the mortgage that best fits your needs:
ABOUT US Since 1929, Sterling National Bank has successfully served the needs of businesses, professionals and individuals in the NY (0 comments)
Fixed Rate MortgagesWith a Fixed Rate Mortgage, you have the security of knowing your exact monthly payment. This type of loan locks in a set interest rate from the start, so monthly payments remain the same throughout the life of the loan. Budgeting becomes easier because changing market conditions will never cause your interest rate to rise. Adjustable Rate MortgagesAn Adjustable Rate Mortgage(ARM) is a loan in which the interest rate is adjusted periodically based on a preselected index. An ARM's low initial interest rate usually translates into lower monthly payments compared to most fixed rate mortgages. (0 comments)
mortgages: Relatively Quiet and Modestly Weaker - 05/22/12 04:56 AM
MBS Afternoon Market SummaryBond markets continued the process of leveling off after hitting their strongest levels on 5/17. For MBS, those were all time highs, and for Treasuries, very close to historical lows (1.69 vs 1.67 previous 'modern economic history' low). We see pivot points for 10yr yields at 1.75, give or take a bp, and Fannie 3.5 MBS within a few ticks of 104-10. So today's weakness gets us generally back to those levels. In the big picture, the moves are consistent with the periodic profit-taking pauses seen during long term rallies. If, however, they cross back over the aforementioned (0 comments)
mortgages: Mortgage Rates Rise Slightly From Friday's All-Time Lows - 05/22/12 04:50 AM
Mortgage Rates rose very slightlyfrom Friday's new all-time lows. There were no major market moving events for interest rates today. Instead, we seem to be seeing a sort of 'leveling off' with last Thursday as the low point in terms of the broader bond market. Concerns over the European sovereign debt crisis continue to keep rates from moving too quickly in either direction, and are a major contributor in the low rates in general. 3.75% continues to hold the newly achieved status as "Best-Execution" for 30yr Fixed Conventional loans. That means that today's improvements were seen more in the form of decreased (0 comments)
mortgages: Scheduled Fed Buying The Focal Point On Otherwise Data-Less Morning - 05/22/12 04:41 AM
With the passing of the 10:15-11:00am scheduled "Operation Twist" buying from the Fed, we now know why bond markets bothered to get out of bed today. That's actually an overstatement as there was in fact a decent amount of volume in the overnight session and into the domestic open, but the Fed buying has elicited the more notable surge in volume and price movement. Thus far, that movement has been positive for TSYs and MBS with Fannie 3.5's ticking back into the green following the Twist buying details. Confounding that assessment somewhat is the fact that stock markets look like they're (2 comments)
mortgages: The Week Ahead: Light Data Calendar, Treasury Auctions, Holiday Weekend - 05/22/12 04:36 AM
The line-up of economic data in the week ahead is one of the lightest of the year. Monday is essentially data-free. The following two days of the week are focused on housing with Existing Home Sales on Tuesday and New Home Sales on Wednesday. Those same two days also kick off the Treasury Note auctions for the week though Tuesday's 2yr Notes are generally not moving markets these days.Wednesday's 5yr auction has more potential to affect MBS, but the result would have to be a pretty big surprise in one direction or another. The data shifts away from housing on Thursday (0 comments)
mortgages: Slightly Bumpy Ride Late, But Important Level Holds - 05/20/12 01:05 PM
104-16 Turned out to be an important level for Fannie 3.5's today. There's more than the usual amount of content in the 'alerts and updates' section below if you're looking to get caught up on how it played out. Long story short, bond markets held up quite well on a Friday that mostly saw money flowing OUT of both sides of the market (i.e. equities and fixed-income both lower in price today). But even the late day volatility left the 104-16 technical level intact through 4pm. From now until MBS go out for the day, it's not out of the realm (0 comments)
mortgages: Mortgage Rates Lower Still, But Progress Is Slow - 05/20/12 01:02 PM
Mortgage Rates marginally from yesterday's new all-time lows. Without any major scheduled events to digest, bond markets were left to their own devices and paid a decent amount of attention to a sell-off in stocks. When yields in the broader bond markets move lower, MBS (the "mortgage-backed securities" that most directly influence lenders' rates) tend to move lower in yield as well, allowing lenders to off lower costs, lower rates, or a combination of the two.With the recent move lower to a 3.75% Best-Execution level for 30yr Fixed Conventional loans, today's improvements were seen more in the form of decreased borrowing (0 comments)
mortgages: Relatively Uneventful Despite Slight Weakness - 05/20/12 12:56 PM
As the trading day progresses, things are shaping up to be increasingly uneventful even though MBS are down 6/32nds. Reason being: everything has been well contained, and what little weakness we've seen has occurred in a rather orderly fashion and without major volume spikes. Bond markets are staying reasonably connected to stocks, given the lack of market-moving data and European headlines. In short, today looks like the "wind down" that we thought yesterday might have been. We're not completely out of the woods as far as potential volatility is concerned. But as far as coasting into the weekend with minimal losses, (0 comments)
mortgages: The Day Ahead: Markets Free To "Trade It Out" Amid Data-Free Session - 05/20/12 12:52 PM
With so many unprecedented and hefty considerations, markets might enjoy today's complete absence of scheduled economic data as some sort of chance to seek its own equilibrium. That sentence was actually lifted from an article we wrote in July 2011 when European drama was first beginning to collide with impending Fed policy changes. The first four days of the week contained plenty of events informing both of those heavy hitters and markets attempted to reconcile those versus the decreasingly significant scheduled econ calendar. Back then, we thought that the data-less Friday looked like a decent opportunity for markets to "trade (0 comments)
mortgages: Snowball Buying As Fedspectations Team Up With Euro-Drama - 05/20/12 12:42 PM
Two of our favorite made-up terms joined forces today to carry MBS to yet another all-time high and 10yr yields to the high 1.6's! The day looked as if it would be a deceleration in terms of volume and volatility this morning, but we turned out to be quite wrong about that, although rates moved in the right direction for MBS watchers. The culprits were overnight headlines in Europe that noted a similar "run on the bank" going on in Spain as the one just seen in Greece. Even if the news and events themselves weren't responsible for subsequent all-time lows (0 comments)
mortgages: Mortgage Rates Officially Hit New All-Time Lows! - 05/20/12 12:36 PM
Mortgage Rates hit new all-time lows today. In most cases, lenders' offerings are just slightly better across the board than they were in late January, the last time we officially noted "new all-time lows," though some lenders are not quite back to their previous best levels. A much weaker-than-expected reading on a widely followed report on business conditions in the mid-Atlantic region gave rates markets a bit of an early jolt lower. From there, an absence of additional data gave way to technical momentum, helping rates even lower.Markets are facing tremendous uncertainty over the eventual outcome of Greek elections in June (0 comments)
mortgages: More Gains On Philly Fed Miss - 05/20/12 12:12 PM
The main market-mover of the morning was the release of the Philadelphia Fed Survey, the chief component of which fell from 8.5 last month to -5.8 today. This happens occasionally with regional manufacturing reports and particularly, we're reminded of the August Philly Fed Index that fell to -22 from a +6.2 in July. Although that instance constituted a bigger discrepancy, today's is arguably as much of a surprise considering the recent relative stability of the data (or even "uptrend" with the exception of last month's minor pull-back). Amazingly, it kicked off the biggest hour of volume of the week by a (0 comments)
mortgages: The Day Ahead: Calendar Lightens Up Before Data-Less Friday - 05/20/12 12:05 PM
If the calendar of upcoming events and y'day's volume are any indication, it's possible that Wednesday was the climactic final scene before the intermission. Volume ramped up steadily on the first three days of the week, hitting it's best levels since mid-March. 10yr Treasuries hit their best levels since October, stocks their lowest since January, and MBS hit all-time highs yet again (and took down a big chunk of originator production in the process).All "that" seemed to come to a head with today's FOMC minutes and obligatory Greek headline(s). On the surface, tomorrow looks much calmer by comparison. Apart from the (0 comments)
mortgages: Another Logical Day Of Record Highs - 05/18/12 05:04 AM
We characterized yesterday logical and well contained" with the benefit of some hindsight. While today's session wasn't "well contained," it was rather logical in that it went where you'd expect it to go given the events. Merkel surprisingly supportive of Greece remaining in the Euro-zone? Bond markets selling = logical. ECB wires saying certain MoPo operation with certain Greek banks is on hold? Bond markets bouncing back = logical. FOMC Minutes from a meeting that took place BEFORE the recent round of Euro-drama ramped up showing no incrementally hawkish viewpoints? Bond markets inferring Fed must be that much more willing to (0 comments)
mortgages: Mortgage Rates Steady At All-Time Lows Thanks To Europe And The Fed - 05/18/12 04:59 AM
Mortgage Rates are steady to slightly improved today following as Europe's fiscal woes continue providing downward pressure on US interest rates. The forces at work keeping rates low were joined today by "minutes" from the most recent FOMC meeting. All told, several notable lenders are offering their all-time lowest interest rates while others remain close. Markets actually got off to a shaky start as far as rates were concerned. Had it not been for the European headlines and the FOMC Minutes, we'd likely be looking at slightly higher rates today. Mortgage-backed-securities (aka "MBS," the most direct influence on mortgage rates) and (0 comments)
mortgages: After Merkel-Speak Soothes, Draghi Speaks Sooth - 05/18/12 04:54 AM
The main market-mover this morning was a CNBC interview with Angela Merkel. In it, the German chancellor offered an increasingly supportive tone on Greece remaining in the Euro-zone, saying that Germany would be open to Greece seeking additional stimulus. This was a net-negative for bond markets and generally soothed broader markets, though Treasuries and MBS maintained supportive ledges. Moments ago, news hit that the ECB would be stopping some monetary policy operations to some Greek banks. This follows earlier statements from ECB President Mario Draghi that point to a line in the sand that the ECB will not cross in order (0 comments)
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