float: Lock Watch for the Week of 9/10/2018 - 09/02/18 08:02 PM
Lock Watch for the Week of 9/10/2018
 
Volatility-O-Meter:
Key inflation readings on Wednesday and Thursday could make things very interesting.
 
Economicalendar (all times are Pacific):
Mon, 9/10:       Quiet.
Tues, 9/11:       JOLTS (7am), 3-Yr Note Auction (10am).   
Weds, 9/12:     PPI (5:30am),10-Yr Note Auction (10am), Beige Book (11am).   
Thurs, 9/13:    CPI and Jobless Claims (5:30am), 30-Yr Bond Auction (10am).    
Fri, 9/14:        Retail Sales and Import and Export Prices (5:30am), Business Inventories and Consumer Sentiment (7am).
 
10-Year Treasury History
2.94%     Today's Open
2.90%     One Week Ago
2.87%     One Month Ago
2.14%     One Year Ago
 
Corinthians 13: 4-8
This past weekend, I attended a cousin's wedding and was reminded … (0 comments)

float: Lock Watch for the Week of 4/16/2018 - 04/14/18 08:55 PM
Lock Watch for the Week of 4/16/2018
 
Volatility-O-Meter:
Not a lot of key reports, so the market will likely take outside cues.
 
Economicalendar (all times are Pacific):
Mon, 4/16:       Retail Sales and Empire State Mfg Survey (5:30am). 
Tues, 4/17:       Housing Starts (5:30am) and Industrial Production (6:15am).
Weds, 4/18:     Quiet. 
Thurs, 4/19:    Jobless Claims and Philadelphia Fed Business Outlook Survey (5:30am). 
Fri, 4/20:        Quiet.
 
10-Year Treasury History
2.85%     Today
2.81%     One Week Ago
2.85%     One Month Ago
2.26%     One Year Ago
 
Dorothy Parker
Dorothy Parker had an unhappy childhood, little regard for her own writing prowess and an estate that she left to Martin Luther King … (1 comments)

float: Lock Watch for the Week of 4/9/2018 - 04/08/18 08:01 AM
Lock Watch for the Week of 4/9/2018
 
Volatility-O-Meter:
Sticking with "High."  We have a volatile stock market driven by fears of a trade war.  We have Facebook's CEO in front of Congress and we have potential military action in Syria.  Add that to auctions, PPI and CPI and it's enough for a thrill or two.
 
Economicalendar (all times are Pacific):
Mon, 4/9:       Quiet.
Tues, 4/10:       PPI (5:30am).  3-Yr Note Auction (10am).
Weds, 4/11:     CPI (5:30am).  10-Yr Note Auction (10am). 
Thurs, 4/12:    Jobless Claims and Import and Export Prices (5:30am). 30-Yr Bond Auction (10am)
Fri, 4/13:        Consumer Sentiment and JOLTS (7am).
 
10-Year Treasury History
2.81%  … (1 comments)

float: Lock Watch for the Week of 4/2/2018 - 03/31/18 08:27 AM
Lock Watch for the Week of 4/2/2018
 
Volatility-O-Meter:
Mid to High.  Jobs report on Friday --- watch out for indications of wage growth.
 
Economicalendar (all times are Pacific):
Mon, 4/2:       PMI Mfg Index (6:45am).  ISM Mfg Index and Construction Spending (10am).
Tues, 4/3:       Quiet.
Weds, 4/4:     ADP Employment (5:15am), Factory Orders and ISM Non-Mfg Index (7am). 
Thurs, 4/5:    Jobless Claims and International Trade (5:30am).
Fri, 4/6:        Employment situation (5:30am).
 
10-Year Treasury History
2.76%     Today
2.85%     One Week Ago
2.86%     One Month Ago
2.35%     One Year Ago
 
Mr. T
On or shortly after May 28, 1982, I remember being dropped off at either Yorktown or Oakbrook to … (0 comments)

float: Lock Watch for the Week of 3/19/2018 - 03/18/18 09:16 PM
Lock Watch for the Week of 3/19/2018
 
Volatility-O-Meter:  
Mid-to-high. Fed meeting this week, but universal expectation of .25% rate increase).  Not a whole lot of reports otherwise, but Washington chaos is always possible as well. 
 
Economicalendar (all times are Pacific):
Mon, 3/19:       Quiet.
Tues, 3/20:       Quiet.
Weds, 3/21:     Existing home sales (7am) and FOMC Announcement (11am).
Thurs, 3/22:    Jobless Claims (5:30am) and PMI Composite Flash (6:45am).
Fri, 3/23:         Durable Goods (5:30am).
 
10-Year Treasury History
2.87%     Today
2.88%     One Week Ago
2.88%     One Month Ago
2.47%     One Year Ago
 
Aerial Boundaries
Michael Hedges was an acoustic guitarist who, back in the early '80's, released two … (3 comments)

float: Lock Watch for the Week of 3/12/2018 - 03/12/18 08:47 AM
Lock Watch for the Week of 3/12/2018
 
Volatility-O-Meter:  
High. A lot of reports this week and all against an ever-changing political situation.  
 
Economicalendar (all times are Pacific):
Mon, 3/12:       3-Year Note Auction (8:30am), 10-Year Note Auction (10am).
Tues, 3/13:       Consumer Price Index (5:30am), 30-Year Bond Auction (10am).
Weds, 3/14:     PPI and Retail Sales (5:30am).
Thurs, 3/15:    Jobless Claims, Philadelphia Fed Biz Outlook, Empire State Mfg Survey and Import and Export Prices (5:30am).
Fri, 3/16:         Housing Starts (5:30am), Industrial Production (6:15am), Consumer Sentiment and JOLTS (7am).
 
10-Year Treasury History
2.88%     Today
2.84%     One Week Ago
2.86%     One Month Ago
2.62%     One Year Ago
 
"Rage to Master"
As the father … (1 comments)

float: Lock Watch for the Week of 3/5/2018 - 03/03/18 09:28 PM
Lock Watch for the Week of 3/5/2018
 
Volatility-O-Meter:  
High.  No surprise here.  There are enough reports below to make things interesting even if trade wars weren't so easy to win.  
 
Economicalendar (all times are Pacific):
Mon, 3/5:       ISM Non-Mfg Index (7am).
Tues, 3/6:       Factory Orders (7am.
Weds, 3/7:     ADP Employment (5:15am), International Trade (5:30am) and Productivity and Costs (5:30am).
Thurs, 3/8:    Jobless Claims (5:30am).
Fri, 3/9:         Employment Situation (5:30am).
 
10-Year Treasury History
2.84%     Today
2.86%     One Week Ago
2.77%     One Month Ago
2.49%     One Year Ago
 
 
Fraunces Tavern
In December of 1783, George Washington bid his troops farewell at the Fraunces Tavern in lower … (1 comments)

float: Weekend Availability + Buyers Who Wait Don't Get Good Rates - 08/05/11 12:51 PM
(2 comments)

float: Home Finance Guide for the Week of March 28, 2011 - 03/29/11 12:28 PM
Home Finance Guide for the Week of March 28, 2011
In this short video, Rob Spinosa of The Mortgage Dictionary (http://www.themortgagedictionary.com) provides this week's home finance economic calendar of events that can move the mortgage market, plus opening rate sheet for the week. If you are in the home loan process, this information will guide you about events to track when determining whether to lock or float an interest rate.
This week, we need to consider the following news and reports; personal income, core PCE, pending home sales index, consumer confidence, adp employment report, initial jobless claims, Chicago PMI, factory orders, … (0 comments)

 
Rob Spinosa, Mortgage Loan Originator, Marin County (US Bank)

Rob Spinosa

Mortgage Loan Originator, Marin County

Larkspur, CA

More about me…

US Bank

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