eem: Bring Me Your Weary and Downtrodden With Low Credit Scores - 05/08/12 11:48 PM
DailyMORTGAGE LOCK ADVISORY 
May 9, 2012, 6:30AM PST
Click for Lock Advice Updated Several Times Daily  
      
7 day Mortgage Interest Rate lock or Float Advice:  LOCK on any Improvement. Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.07 point. 30 Day Mortgage Interest Rate Lock or Float Advice: LOCK on any improvement.Rates are presently excellent and the best advice is to lock whenever possible.
MORTGAGE MARKET INDICATORSNational Average Fixed Rate Mortgage 3.88% MBS (3.5%) - 104.21, High: 104.27, Low: 104.13   DJI Stocks currently $12,808.50,  Down $-123.59, Change -0.965%   Asian & European Stock Market Indexes Down -1.88%   Nymex Crude Oil Currently $95.79 … (3 comments)

eem: What a 9-Year-Old Can Teach You About Selling - 05/07/12 11:45 PM
DailyMORTGAGE LOCK ADVISORY 
May 8, 2012, 6:30AM PST
Click for Lock Advice Updated Several Times Daily  
      
7 day Mortgage Interest Rate lock or Float Advice:  LOCK on any Improvement. Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.09 point. 30 Day Mortgage Interest Rate Lock or Float Advice: LOCK on any improvement.Rates are presently excellent and the best advice is to lock whenever possible.
MORTGAGE MARKET INDICATORSNational Average Fixed Rate Mortgage 3.88% MBS (3.5%) - 104.18, High: 104.2, Low: 104.09   DJI Stocks currently $12,955.66,  Down $-52.87, Change -0.408%   Asian & European Stock Market Indexes Down -0.266%   Nymex Crude Oil Currently $96.96 … (2 comments)

eem: HAMP mortgage modifications down 33% from last year - 05/07/12 02:21 AM
DailyMORTGAGE LOCK ADVISORY 
May 7, 2012, 6:30AM PST
Click for Lock Advice Updated Several Times Daily  
      
Mortgage Interest Rate lock Advice for locks within 8 days: FLOAT
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.02 point 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK 
Rates are presently excellent and the best advice is to lock whenever possible
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.88% MBS (3.5%) - 104.05, High: 104.11, Low: 104.03   DJI Stocks currently $13,008.30,  Down $-29.97, Change -0.23%   Asian & European Stock Market Indexes Down -0.214%   Nymex Crude Oil Currently $97.41 Down $1.08   Gold 1 Once - … (2 comments)

eem: Recent Changes to Craiglist Posting Methods - 05/03/12 11:45 PM
 
DailyMORTGAGE LOCK ADVISORY 
May 4, 2012, 6:30AM PST
Click for Lock Advice Updated Several Times Daily  
      
Mortgage Interest Rate lock Advice for locks within 8 days: FLOAT
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.11 point 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK 
Rates are presently excellent and the best advice is to lock whenever possible
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.88% MBS (3.5%) - 104.02, High: 104.08, Low: 103.81   DJI Stocks currently $13,152.10,  Down $-54.49, Change -0.414%   Asian & European Stock Market Indexes Down -0.305%   Nymex Crude Oil Currently $99.94 Down $2.60   Gold 1 Once … (2 comments)

eem: Green Homes Could Account for Nearly 40% of Construction by 2016 - 05/02/12 11:51 PM
 
DailyMORTGAGE LOCK ADVISORY 
May 3, 2012, 6:30AM PST
Click for Lock Advice Updated Several Times Daily  
      
Mortgage Interest Rate lock Advice for locks within 8 days: FLOAT
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.01 point 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK 
Rates are presently excellent and the best advice is to lock whenever possible
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.88% MBS (3.5%) - 103.86, High: 103.98, Low: 103.78   DJI Stocks currently $13,256.09,  Down $-12.48, Change -0.094%   Asian & European Stock Market Indexes Up 0.382%   Nymex Crude Oil Currently $104.20 Down $1.02   Gold 1 Once … (0 comments)

eem: Mortgage Rates Rise Modestly After Strong Manufacturing Report - 05/02/12 12:03 AM
 
DAILY MORTGAGE LOCK ADVISORY 
May 2, 2012, 7:00 AM PST
Click for Lock Advice Updated Several Times Daily  
      
Mortgage Interest Rate lock Advice for locks within 8 days: FLOAT
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.14 point 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK 
Rates are presently excellent and the best advice is to lock whenever possible
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.88% MBS (3.5%) - 103.86, High: 103.89, Low: 103.82   DJI Stocks currently $13,233.15,  Down $-46.17, Change -0.349%   Asian & European Stock Market Indexes Down -1.172%   Nymex Crude Oil Currently $105.68 Down $0.48   Gold … (4 comments)

eem: Fed Survey Finds Low Participation in HARP Program - 05/01/12 12:18 AM
 
MORTGAGE LOCK ADVISORY 
May 1, 2012, 7:00 AM PST
Click for Lock Advice Updated Several Times Daily  
      
Mortgage Interest Rate lock Advice for locks within 8 days: FLOAT
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.12 point 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK 
Rates are presently excellent and the best advice is to lock whenever possible
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.88% MBS (3.5%) - 103.94, High: 104.05, Low: 103.81   DJI Stocks currently $13,201.78,  Down $-11.85, Change -0.09%   Asian & European Stock Market Indexes Down -1.145%   Nymex Crude Oil Currently $104.76 Down $0.11   Gold 1 … (0 comments)

eem: Housing Bottom Sighted by Some Economists - 04/29/12 11:47 PM
 
MORTGAGE LOCK ADVISORY 
April 30, 2012, 6:30 AM PST
Click for Lock Advice Updated Several Times Daily  
      
Mortgage Interest Rate lock Advice for locks within 8 days: FLOAT
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.08 point 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK 
Rates are presently excellent and the best advice is to lock whenever possible
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.88% MBS (3.5%) - 103.74, High: 103.78, Low: 103.59   DJI Stocks closed at $13,228.31,  Up $23.69, Change 0.179%   Asian & European Stock Market Indexes Up 0.892%   Nymex Crude Oil Currently $104.73 Up $0.18   Gold … (0 comments)

eem: The Pending Home Sales Index rose sharply in March - 04/27/12 01:09 AM
 
Pending-Home Sales Leap Ahead in March: NAR MORTGAGE LOCK ADVISORY 
April 26,27, 2012, 8:00 AM PST
Click for Lock Advice Updated Several Times Daily  
      
Mortgage Interest Rate lock Advice for locks within 8 days: FLOAT
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.02 point 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK 
Rates are presently excellent and the best advice is to lock whenever possible
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.88% MBS (3.5%) - 103.67, High: 103.72, Low: 103.59   DJI Stocks currently $13,227.63,  Up $23.01, Change 0.174%   Asian & European Stock Market Indexes Up 0.717%   Nymex Crude … (0 comments)

eem: Jobless claims decline slightly - 04/25/12 11:41 PM
 
MORTGAGE LOCK ADVISORY 
April 26, 2012, 6:30 AM PST
Click for Lock Advice Updated Several Times Daily  
      
Mortgage Interest Rate lock Advice for locks within 8 days: FLOAT
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.29 point 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK 
Rates are presently excellent and the best advice is to lock whenever possible
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.88% MBS (3.5%) - 103.73, High: 103.73, Low: 103.44   DJI Stocks currently $13,097.76,  Up $7.04, Change 0.054%   Asian & European Stock Market Indexes Down -1.118%   Nymex Crude Oil Currently $104.16 Up $0.04   Gold … (1 comments)

eem: S&P, FHFA Home Price Indices Show Mixed Results - 04/24/12 11:44 PM
 
MORTGAGE LOCK ADVISORY 
April 25, 2012, 6:30 AM PST
Click for Lock Advice Updated Several Times Daily  
      
Mortgage Interest Rate lock Advice for locks within 8 days: LOCK
Mortgage Points based on 3.5% Mortgage Backed Securities are up 0.12 point 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK 
Rates are presently excellent and the best advice is to lock whenever possible
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.88% MBS (3.5%) - 103.31, High: 103.47, Low: 103.31   DJI Stocks currently $13,068.62,  Up $67.06, Change 0.513%   Asian & European Stock Market Indexes Up 1.664%   Nymex Crude Oil Currently $103.84 Up $0.29   Gold … (0 comments)

eem: Short Sales Gaining on REO Sales as "Change is Afoot" - 04/20/12 12:49 AM
 
MORTGAGE LOCK ADVISORY 
April 20, 2012, 7:45AM PST
Click for Lock Advice Updated Several Times Daily  
      
Mortgage Interest Rate lock Advice for locks within 8 days: LOCK
Mortgage Points based on 3.5% Mortgage Backed Securities are up 0.10 point 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK 
Rates are presently excellent and the best advice is to lock whenever possible
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.88% MBS (3.5%) - 103.46, High: 103.56, Low: 103.44   DJI Stocks currently $13,073.61,  Up $109.51, Change 0.838%   Asian & European Stock Market Indexes Up 0.423%   Nymex Crude Oil Currently $103.99 Up $1.72   Gold 1 … (0 comments)

eem: Debt Crises Inspire 6.9% Pick-Up in Loan Volume - 04/18/12 11:46 PM
 
MORTGAGE LOCK ADVISORY 
April 19, 2012, 6:30 AM PST
Click for Lock Advice Updated Several Times Daily  
      
Mortgage Interest Rate lock Advice for locks within 8 days: LOCK
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.10 point 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK 
Rates are presently excellent and the best advice is to lock whenever possible
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.88% MBS (3.5%) - 103.58, High: 103.58, Low: 103.44   DJI Stocks closed at $13,017.61,  Down $-15.14, Change -0.116%   Asian & European Stock Market Indexes Down -0.231%   Nymex Crude Oil Currently $102.53 Down … (1 comments)

eem: Zillow Adds Real Estate Agent Hub to Online Offerings - 04/17/12 11:40 PM
 
MORTGAGE LOCK ADVISORY 
April 18, 2012, 6:30 AM PST
Click for Lock Advice Updated Several Times Daily  
      
Mortgage Interest Rate lock Advice for locks within 8 days: LOCK
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.08 point 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK 
Rates are presently excellent and the best advice is to lock whenever possible
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.88% MBS (3.5%) - 103.4, High: 103.41, Low: 103.31   DJI Stocks closed at $13,040.69,  Down $-74.85, Change -0.574%   Asian & European Stock Market Indexes Down -0.431%   Nymex Crude Oil Currently $103.73 Down … (0 comments)

eem: TRULIA/ZILLOW HAVE REALLY DONE IT NOW!!!. - 04/15/12 11:50 PM
 
MORTGAGE LOCK ADVISORY 
April 16, 2012, 6:30 AM PST
Click for Lock Advice Updated Several Times Daily  
      
Mortgage Interest Rate lock Advice for locks within 8 days: FLOAT
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.065 point 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK 
Rates are presently excellent and the best advice is to lock whenever possible
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.88% MBS (3.5%) - 103.5, High: 103.63, Low: 103.44   DJI Stocks closed at $12,964.55,  Up $114.96, Change 0.887%   Asian & European Stock Market Indexes Up 0.532%   Nymex Crude Oil Currently $102.94 Up … (5 comments)

eem: How you do write an offer so it will NOT be immediately Rejected - 04/12/12 11:37 PM
 
MORTGAGE LOCK ADVISORY 
April 13, 2012, 6:30 AM PST
Click for Lock Advice Updated Several Times Daily  
      
Mortgage Interest Rate lock Advice for locks within 8 days: FLOAT
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.15 point 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK 
Rates are presently excellent and the best advice is to lock whenever possible
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.98% MBS (3.5%) - 103.29, High: 103.34, Low: 103.16   DJI Stocks currently $12,827.26,  Up $21.87, Change 0.17%   Asian & European Stock Market Indexes Down -2.291%   Nymex Crude Oil Currently $102.81 Up $0.11   Gold … (0 comments)

eem: Social-Media Strategy: What You Need Now To Build Business Online - 04/11/12 11:28 PM
 MORTGAGE LOCK ADVISORY 
April 12, 2012, 6:30 AM PST
Click for Lock Advice Updated Several Times Daily  
      
Mortgage Interest Rate lock Advice for locks within 8 days: FLOAT
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.07 point 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK 
Rates are presently excellent and the best advice is to lock whenever possible
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.98% MBS (3.5%) - 103.29, High: 103.34, Low: 103.16   DJI Stocks currently $12,827.26,  Up $21.87, Change 0.17%   Asian & European Stock Market Indexes Down -2.291%   Nymex Crude Oil Currently $102.81 Up $0.11   Gold 1 … (0 comments)

eem: FHA delays controversial $1,000 collections rule - 04/11/12 12:08 AM
 
MORTGAGE LOCK ADVISORY 
April 11, 2012, 7:00 AM PST
Click for Lock Advice Updated Several Times Daily  
      
Mortgage Interest Rate lock Advice for locks within 8 days: LOCK
Mortgage Points based on 3.5% Mortgage Backed Securities are up 0.24 point 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK 
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.98% MBS (3.5%) - 103.19, High: 103.47, Low: 103.19   DJI Stocks currently $12,808.72,  Up $92.79, Change 0.724%   Asian & European Stock Market Indexes Up 0.428%   Nymex Crude Oil Currently $101.71 Up $0.69   Gold 1 Once - 1657.2 
    MORTGAGE NEWS BRIEFS 
FHA delays controversial $1,000 collections rule … (0 comments)

eem: Four Ways to Give A Great Elevator Speech - 04/09/12 11:55 PM
MORTGAGE LOCK ADVISORY 
April 10, 2012, 6:30 AM PST
Click for Lock Advice Updated Several Times Daily  
      
Mortgage Interest Rate lock Advice for locks within 8 days: FLOAT With Caution
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.20 point 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK 
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.98% MBS (3.5%) - 103.77, High: 103.77, Low: 103.56   DJI Stocks currently $12,918.73,  Down $-10.86, Change -0.084%   Asian & European Stock Market Indexes Down -1.454%   Nymex Crude Oil Currently $102.13 Down $0.33   Gold 1 Once - 1644.3    
    MORTGAGE NEWS BRIEFS 
Four Ways to Give … (0 comments)

eem: AM Brief - 3 Reasons Why You Need an Elevator Speech - 04/08/12 11:40 PM
MORTGAGE LOCK ADVISORY 
April 9, 2012, 6:30 AM PST
Click for Lock Advice Updated Several Times Daily  
      
Mortgage Interest Rate lock Advice for locks within 8 days: FLOAT With Caution
Mortgage Points based on 3.5% Mortgage Backed Securities are down 0.14 point 
 
30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK 
 
MORTGAGE MARKET INDICATORS 
National Average Fixed Rate Mortgage 3.98% MBS (3.5%) - 103.64, High: 103.66, Low: 103.5   DJI Stocks currently $12,919.75,  Down $-140.39, Change -1.087%   Asian & European Stock Market Indexes Down -0.458%   Nymex Crude Oil Currently $101.37 Down $1.94   Gold 1 Once - 1643.6   
    MORTGAGE NEWS BRIEFS 
3 Reasons Why You … (3 comments)

 
Bill Ladewig, Experience Is Your Advantage (LoanOfficerSchool.com)

Bill Ladewig

Experience Is Your Advantage

Escondido, CA

More about me…

LoanOfficerSchool.com

Address: San Diego, Escondido, Vista, San Marcos, Oceanside, Rancho Bernardo, Poway, Scripps Ranch, Penasquitos, Shadowridge, Rancho Del Oro, Escondido, CA, 92025

Office: (866) 204-9733

Mobile: (760) 685-0480

Daily rate lock advice, mortgage market updates and information about new and existing mortgage loans.

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