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Interest rates droped at the end of the week as investors reacted negatively to the debt limit increase legislation. Most investors did not believe that Congress had done enough to address the long term problems of the deficits. Stocks fell dramatically as investors moved into bonds, thus driving their prices up and yields down. Interest rates will probably move right back up, however, as the rates quoted below, do not yet reflect the shocking news on Friday that Standard and Poors had lowered the United States Government's debt rating from AAA to AAa, also believing that Congress had not done enough to address the deficit. This could easily lead to at least a quarter of a point increase in interest rates since the interest rates on T bills will go up, and most mortgage rates are tied to T bill rates. One thing is certain. Interest rates will be volatile next week. The following are some excerpts from this week's newsletter on interest rates from HSH Associates :
" Last week we noted that we expected "a bit of volatility in the market" this week, but got far more than we bargained for. In what appeared to be a delayed response to the accumulated information of a couple of dismal GDP figures last Friday, compounded by a worrisome report on manufacturing and consumer spending early this week, a huge stock market rout on Thursday produced a like-size flight-to-safety rally in Treasuries, driving mortgage rates down. The demand for a safe investing haven even turned some short-term Treasury yields negative for a time, actually costing investors money for a place to park cash.
In an unusual twist and one reflective of the difficult investing environment, at least one major moneycenter bank -- Bank of New York Mellon -- announced that there would now be a 0.13 percent fee for institutional clients who have more than $50 million on deposit. The cost of managing this cash on deposit would normally be offset by some return on investments the bank would make, but profitable short-term investing opportunities are few and far between. So-called "hot money" has been rushing from money market funds to short-term treasuries to deposit accounts looking for a place to hide from uncertain markets; this will no doubt be a deterrent to continuing that practice. So far, no other banks have yet followed suit. That an investor might get a negative rate of return is a happenstance of investing, but a guaranteed loss of capital in return for safety makes stuffing cash in the mattress a real consideration."
The following are interest rate quotes from Al Hermann of American/California Financial Services ,
30 Yr Fixed FHA
Rate 4.250 APR 4.948
Conforming 30 Yr Fixed up to $417000
Rate 4.490 APR 4.642
Conforming Jumbo 30 Yr Fixed $417001 - $729750
Rate 4.625 APR 4.770
Jumbo 30 Yr. to $1.5 Mil
Rate 4.875 APR 5.012
Jumbo 7/1 ARM $1.5 Mil (higher loan amt available)
Information about the real estate and home markets of the beach communities of the South Bay of Los Angeles and the Palos Verdes Peninsula. Palos Verdes homes for sale and South Bay Los Angeles real estate. I strive to be the best real estate agent / realtor in the cities of Palos Verdes Estates, Rancho Palos Verdes, Rolling Hills Estates, Rolling Hills, Redondo Beach, Torrance, Manhattan Beach, Hermosa Beach, San Pedro and El Segundo.l
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.