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Mortgage markets improved again last week on a revised economic outlook for the U.S. economy, and ongoing concerns about Greece and its sovereign debt. Conforming mortgage rates in Washington State and throughout the nation fell last week and now hover near the all-time lows set last November. Adjustable-rate mortgages are especially low. There were three big stories last week that will carry forward into this week. First, the Federal Open Market Committee voted to leave the Fed Funds Rate unchanged in its current target range of 0.000-0.250 percent. This was expected. However, the Fed revised its growth estimates for the (3 comments)
Mortgage markets improved last week as Wall Street managed news on both sides of the economic coin. There were several instances of higher-than-expected inflation – an event that tends to lead rates higher — but weak domestic jobs data and a soft manufacturing report suppressed the damage.
Rates were also held low by ongoing issues in Greece.
In Greece, the government is currently struggling to meet its debt obligations — despite a restructuring of existing debt negotiated in 2010.
Without a plan for its new debt, though, Greece will likely to default on what it owes. Eurozone and international banking (0 comments)
Mortgage markets improved last week in Seattle, carried by the same stories that have led markets better since April. Worries of a Eurozone sovereign debt default mounted, and the U.S. economy’s revival showed itself to be slower than originally anticipated. In Greece, the nation readied itself for its second bailout in two years. The austerity measures of last year have not worked as planned. There are concerns that a default would lead to contagion, delivering the Euro region into an economic tailspin. These fears spurred a flight-to-quality in bond circles to the benefit of U.S. mortgage rate shoppers. In addition, last week’s U.S. (0 comments)
Mortgage markets improved last week ahead of Memorial Day and a 3-day weekend. Bond pricing ending the week higher, pushing conforming mortgage rates in Washington State down for the 5th week out of six. Most economic news reported worse-than-expected. Initial Jobless Claims increased sharply, GDP was unchanged, and Durable Orders posted the largest one-month decline since October. Each of these stories reduced inflationary pressures on the economy, contributing to lower mortgage rates. However, the main driver for U.S. mortgage rates last week was Europe. One year ago, Greece pledged to lower its spending, cut its deficit, and reduce the number of public (0 comments)
This morning mortgage markets are rallying on renewed debt jitters from Spain and Italy. US Treasuries are also benefiting as a flight to US quality is driving both treasury and mortgage bonds prices up and in turn pushing interest rates down. Mortgage markets were unchanged last week, despite improving on four of five days. Economic data was worse-than-expected almost across the board, but neither FHA nor conforming mortgage rates in Washington State and the nation budged. Instead, markets grappled with the just-released Fed Minutes which weighed heavily on investors and on Wall Street. With the release of the minutes, it’s increasingly clear (0 comments)
mortgage: Mortgage Rates For Seattle and Nation- What Ahead For The Week Of May 9, 2011 - 05/09/11 09:04 AM
Mortgage markets improved last week on a bevy of economic and geopolitical news. Conforming mortgage rates in Washington State improved, falling to their lowest levels of 2011. It’s a welcome development for home buyers and rate shoppers nationwide. Mortgage rates were expected to rise throughout most of this year. There were four big stories that contributed to falling rates last week. The first was the news that Osama bin Laden was killed. The news was announced over the weekend, and by the time markets opened Monday morning, the price of oil was already falling. Falling oil prices reduce inflationary pressures on the economy (0 comments)
Mortgage markets improved last week overall. Bigger concerns for Eurozone debt combined with lesser concerns for domestic inflation to push U.S. mortgage rates lower. Last week marked the 3rd consecutive week through which conforming mortgage rates dropped, the longest such streak since February. Mortgage rates in Chicago are now scraping their lowest levels of the year. A few interesting stories developed last week. First, the Federal Open Market Committee met and voted to hold the Fed Funds Rate within its target range of 0.000-0.250. In its post-meeting press release, the FOMC said that inflation has been “pushed up” in recent months, (0 comments)
Mortgage markets improved slightly through last week’s holiday-shortened trading sessions. Better-than-expected housing data led mortgage rates higher Tuesday and Wednesday, but rates retreated Thursday morning in advance of Good Friday. Markets were closed Thursday afternoon and Friday. They re-open this morning up higher than its previous close. The DOW Jones is currently in the negative and mortgage markets are still higher. This could spell for better rates and/or fees today. Conforming mortgage rates in Washington State ended last week unchanged overall. It’s a strange outcome considering that Standard & Poor’s issued a downgrade on U.S. debt Monday. In most instances, a debt (0 comments)
Mortgage markets improved last week, buoyed by two days of out-sized gains. Mortgage rates bounced off their 8-week highs on much weaker-than-expected inflation data, and debt concerns abroad. It’s an abrupt change in mortgage rate momentum. This week’s round of macro- economic data will likely be completely overshadowed by the torrent of earnings reports due to be released by Corporate America. More than 100 S&P 500 companies will be making their operating results public prior to the holiday break. Mortgage investors aren’t so much interested in the bottom line numbers for these companies -- as they are in what these (0 comments)
Guidelines For Dropping Mortgage Insurance; What You And Your Clients Need To Know! Seattle And National Markets
Yep, there’s a disclosure for that! But what do the PMI termination rules really mean to the average person?
Below are some basic guidelines for how and when mortgage insurance may be dropped from a homeowners mortgage. There seems to be a lot of confusion surrounding this subject matter and hopefully this post and chart beoow will bring some clarity
Dropping Conventional Mortgage Insurance Rules
Automatic Termination Fixed Rate & Adjustable – Removed when reduced to 78% LTV LTV (2 comments)
Mortgage Rates In Seattle, Bellevue, Lynnwood : A Look Ahead the Week Of March 28,2011 Mortgage markets in King County, Snohomish County and surrounding markets worsened last week as nuclear meltdown concerns eased across Japan, and the war within Libya moved closer to a potential finish. Wall Street voted with its dollars, and a return to risk-taking emerged. “Safe haven” buying softened last week and, as a result, conforming mortgage rates in Washington State made their biggest 1-week spike since late-January. Mortgage rates remain historically low, but well above their November 2010 lows. This week, rates could run higher again. So far (0 comments)
Mortgage Rates In Seattle, Bellevue, Lynnwood : A Look Ahead the Week Of March 21,2011 BREAKING NEWS: The US Treasury just announced that they are going to begin off loading $142 Billion in Mortgage Backed Securities. They will begin selling about $10 Billion per month as they sight an improving market conditions. This added supply is BIG news. Mortgage markets have reacted adversely and are selling off. Look for mortgage rates to rise today from Friday's close. This Week's Mortgage Rates; existing and new home sales are the main focus but unlikely to show any change in the trend of weak (0 comments)
Mortgage markets opened a significantly better this morning. Look for Mortgage Rates To Decline.
In brief, the DOW is selling off due to the turmoil in Japan. With huge repair and infrastructure costs, plus the threat of Nuclear reactors, there is a flight to quality such as US Treasuries and Mortgage Backed Securities. See the chart below show the upward trend in Mortgage Markets, spelling lower mortgage rates in the Seattle, Bellevue, Lynnwood and surrounding markets. How long will this last? fundamentally, markets do (2 comments)
mortgage: FHA Mortgage, Loans From Family Are Allowed for Seattle, Bellevue & Lynnwood,WA Areas - 03/07/11 04:15 PM
FHA Mortgages, Loans From Family With Down Payment Assistance for FHA Mortgages becoming a bit more difficult to find. Another source of funds for down payment to buy a home is a LOAN from an immediate family member. That is right. This a little known FHA underwriting guideline that is allowed. However, not all Mortgage Lenders offer it. Even though it can not be a requirement of the loan, qualified first time homebuyers can obtain the money from their parents and pay it back upon receipt of their income tax rebate. FHA Mortgage Guideline FHA will allow family members to loan 100% of the overall (0 comments)
mortgage: Seattle, Bellevue, Lynnwood Mortgage Rates : What's Ahead This Week Of February 14, 2011 - 02/14/11 09:55 AM
Seattle, Bellevue, Lynnwood Mortgage Rates : What's Ahead This Week Of February 14, 2011 Mortgage markets worsened terribly last week. Amid more reports of an improving economy and fears of pending inflation, mortgage rates in Seattle, Bellevue, Lynnwood areas skyrocketed to their highest levels since April 2010. According to Freddie Mac, mortgage rates made their largest 1-week jump in more than a year last week, tacking on 0.24 percent and bringing the average national 30-year fixed mortgage rate up to 5.05%. In some markets, rates are even higher. Since bottoming out in Freddie Mac’s November 11 survey, conforming, 30-year fixed mortgage rates (0 comments)
Adjustable Rate Mortgage Seattle, Bellevue, Lynnwood Adjusting To 3% Right Now If your ARM is due to adjust this spring, your best move may be to allow it. Don’t rush to refinance — your rate may be adjusting lower. It’s because of how adjustable mortgage rates are calculated. First, let’s look at the lifecycle of a conventional, adjustable rate mortgage: There’s a “starter period” of several years in which the interest rate remains fixed. There’s an initial adjustment to rate after the starter period. This is called the “first adjustment”. There’s a subsequent adjustment until the loan’s term expires. The (1 comments)
Seattle Bellevue Lynnwood Mortgage Rates : What's Ahead This Week Of February 7, 2011 Mortgage markets worsened last week as Wall Street came to terms with the expanding economy; and realized the Federal Reserve may be trying to induce inflation. Better-than-expected retail sales and positive job growth buoyed stock markets and sank bonds. Mortgage rates in Washington State rose for the 4th time in 5 weeks last week, extending a losing streak which dates back 4 months. Today, fixed, conforming rates are three-quarters of a percent higher as compared to the market’s low point, November 3, 2010. For a $200,000 home loan, that size rate (0 comments)
Mortgage markets improved this week as positive economic data was overshadowed by geopolitical strife. A flight-to-quality drove buy-side activity in mortgage bond markets, which, in turn, helped conforming rates fall across the state of Washington State. Last week marks the first time this year that mortgage rates fell on a week-over-week basis, and considering why rates fell, it points to the fragile nature of the global economy. By all accounts, last week showed that the U.S. economy is in recovery. 1.Housing data rises to its best levels in 8 months (LA Times) 2.Consumer sentiment hit a 7-month high (NPR) 3.Business investment (0 comments)
Sales of new homes rose sharply in December, posting a 17.5 percent gain from the month prior. According to the Department of Housing and Urban Development, New Home Sales climbed to 329,000 in December, besting November by close to 50,000 units on a seasonally-adjusted annual basis. Last month’s reading is an 8-month high for New Home Sales, and the latest in a series of signals that housing is improving in the Seattle-Bellevue-Lynnwood and around the country. Note that December’s Existing Homes Sales and Building Permits reports also showed marked gains last month, climbing 12 percentand 6 percent, respectively. Furthermore, an interesting pattern is emerging in the price (0 comments)
Yesterday, the Federal Open Market Committee voted 10-to-0 to leave the Fed Funds Rate unchanged within its target range of 0.000-0.250 percent. In its press release, the FOMC noted that since December’s meeting, economic growth is ongoing, but at a pace deemed “insufficient” to make a material impact on the jobs market. In addition, the Fed said household spending “picked up” late last year, although it continues to be held back by joblessness, tight credit and lower housing wealth. This is similar to the language used in the FOMC’s November and December 2010 statements. Also like its last two statements, (0 comments)
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