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If you are looking for a Mortgage Professional who will give you the type of service that you deserve, contact Bob Amato (NMLS # 8632) and Empire Home Mortgage Inc. (NMLS # 44882). We answer our phones seven days a week until 9PM. Put us to the test! Our toll free number is (866) 742-5227.
Visit our website, www.empirehomemortgageinc.com . There you can get answers to all of your financing questions, view rates and search for foreclosed properties.
If you are considering locking in an interest rate for a New York mortgage or a Florida mortgage, read this post.
Friday’s bond market opened fairly strong due to early stock weakness. The stock markets heading into the weekend with a solid negative tone as the Dow is currently down 141 points while the Nasdaq has lost 31 points. This has caused funds to shift into the bond market, pushing it up 12/32. However, we will still see an increase in this morning’s mortgage rates of approximately .250 of a discount point due to weakness late yesterday.
The bond market soured further after the results of the 30-year Bond auction were posted. They revealed a lackluster interest at best in the longer-term securities, causing selling in the broader bond market. This led to some lenders to revise their pricing higher late yesterday, while others may have waited until this morning to reflect those losses.
There are no relevant economic data scheduled for release to the mercy of stocks. The stock selling has made bonds more attractive, especially as the Dow falls below 12,000. The benchmark 10-year Treasury Note yield has fallen back below 3.00% due to today’s gains, which is good news for mortgage shoppers since bond prices and yields move in opposite directions. Bond prices rising equates to lower yield and since mortgage rates follow yield trends, we would like to see the yield stay below 3.00%. Unfortunately, it has failed to stay below that level each time it has recently broke it. Therefore, I believe we can expect to see some gains given back in the near future, causing upward revisions to mortgage rates.
Next week is much more active in terms of relevant economic data being posted. We should see mortgage rates move noticeably multiple days as investors and analysts try to gauge just how temporary this economic slowdown is. There is nothing of importance scheduled for Monday, but Tuesday has two very important releases and there is data scheduled every other day. Look for more details on next week’s events in Sunday’s weekly preview.
If I were considering financing/refinancing a home, I would.... Lock if my closing was taking place within 7 days... Lock if my closing was taking place between 8 and 20 days... Lock if my closing was taking place between 21 and 60 days... Float if my closing was taking place over 60 days from now... This is only my opinion of what I would do if I were financing a home. It is only an opinion and cannot be guaranteed to be in the best interest of all/any other borrowers.
Empire Home Mortgage Inc. is a registered Mortgage Broker with the NYS and Florida Banking Departments and our loans are arranged through third party providers.
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.