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Rural Development Financing - 09/24/07 10:00 AM
I thought I would take a moment to talk about a very unique and great lending program especially for the mid-west. USDA or "Rural Development" financing has been a growing trend throughout the lending community, why? Because of it's unique features and geographical friendliness. First, let me say that this loan program offers loan-to-values of up to 102% of the appraised value with awesome rates and no PMI (private mortgage insurance). Another unique feature surrounding this program is the ability to build in needed repairs. For instance, should the property need a new roof, siding, gutters, carpet, or furnace etc. you (0 comments)
Rates Worsen - 09/21/07 12:18 PM
Well, what was seen has a positive move has now hurt mortgage rates. Why? Because companies and individuals are pulling money out of the bond market and investing it in the stock market. This drives the yield down on bonds and therefore raises rates, yields and rates move in opposition.Before the federal funds rate cut, mortgage rates were holding steady at 6.375% and today's rates are at 6.50%. So for the time being rates are actually increasing due to an over stimulating stock market. My personal belief is that the market is WAY over valued right now and this is truly (0 comments)
Fed Day Is Here!!!! - 09/18/07 09:45 AM
The long awaited "D-Day" is here at 1:15 CST time the Federal Reserve will decide what to do with the federal funds rate; a key component to affecting interest rates and quite possibly even the discount rate; the rate at which banks can borrow money from The Federal Reserve. Many expect the Feds to reduce the federal funds rate by at least .25% and some are optimistic about a .50% reduction. At the same time in an effort to again try and improve market liquidity and the "credit crunch" some are anticipating a .25% reduction in the discount rate (currently at (0 comments)
Fall Homes Sales Push - 09/10/07 09:29 AM
It seems yet again amid all the mortgage turmoil that the fall push has begun. Increased mortgage activity is something that has been "A-Typical" for this industry lately. At times the mortgage market can be very predictable even in the most unstable environment. The months of September, October and November have always been "good" months for the real estate market and hopefully god willing this year will be no different.We have several key factors that are conducive to a late fall push in homes sales. First, rates are very good with a 30 year fixed rate mortgage holding strong at 6.125% (0 comments)
Columbia Missouri Market Statistics - 09/07/07 04:57 PM
In lite of current market conditions both nationally and locally I thought I would dazzle you with some very interesting statistics courtesy of the Columbia Board of Realtors.NEW HOME SALES STATISTICS: (Boone County Missouri)- New Home Sales are down 34% through the 1st half of 2007'.* 218 units sold in 2006' vs. 133 for 2007'* $42.8M in volume for 2006' vs. $27.7M in 2007'* Through the 1st half of 2007' building permits are down 67% from 2006' and105% from 2005'. * Through the 1st quarter of 2007' the Sales Prices List Price ratio was 98.94compared to 100.55 in 2006' and 100.04 (0 comments)
Mortgage Market Slowdown - 09/05/07 02:32 PM
I am an avid reader of our local newspaper, the Columbia Tribune. Every Saturday in the Business Times section they publish Deeds of Trusts that were recently recorded, all of which are public record. Well last Saturday September the 1st I saw something that absolutely astonished me! What was it? For the first time in 5 years of me actively reading this paper I noticed that there were only 22 Deeds of Trusts recorded for Boone County Missouri. Normally on a given Saturday there are at least 2 pages of recordings and in peak market conditions there have been as many (0 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.