Well The beginning of May for loan signing was pretty good. The end sure has come to a screeching halt. The lowest rate that I was the Signing Agent was for 4.75 fixed 30 years. I was sure happy for this woman. She did pay a 350 lock fee but would be worth it for her, dropping   6.5 int. rate. I live in Southern California where everybody's property value has dropped significantly and I have signed only one refi this month. The others have been for purchases. We are having so many foreclosures in my immediate area :(

   I am determined to keep my head up and know that things will turn around. I am also suprised at the amount of Notaries that have let their commissions go and not renewing but... that is alright with me just suprising. Much Luck to all of my fellow Signing Agents.