mortgage calculator: Bill Ladewig's AM Market Brief - 12/22/08 02:39 AM
December 22, 2008, 8:35 AM PSTFannie Mae Mortgage Backed Securities (MBS) Up 20.03 basis points (bps) to 4.465%Average FHA Wholesale Rates are UP 3.5 basis points from 5.196 Friday to 5.231% *A Basis Point is 1/100 of 1.00%
LOCKMortgage Backed Securities remain in historically oversold territory leaving the odds of rates changing to an upward direction within the next two or three business days at 80%
DJI Stocks Down 87.06 -1.01%European and Asian Markets Down 1.42%.
10 Year Treasury is currently 2.17% up from 2.12% Friday
Crude Oil Currently $41.61 per barrel.




Click here for the ULTIMATE FHA-VA Loan … (0 comments)

mortgage calculator: LOCK... LOCK... LOCK - 12/19/08 03:22 AM
December 19, 2008, 9:15 AM PSTFannie Mae Mortgage Backed Securities (MBS) down 12.7 basis points (bps) to 4.262%Average FHA Wholesale Rates are UP 1.5 basis points from 5.144 yesterday to 5.129% *A Basis Point is 1/100 of 1.00%
LOCK IMMEDIATELYThe market has just suffered large increase (9:00 AM).  Mortgage Backed Securities remain in historically oversold territory leaving the odds of rates changing to an upward direction within the next two or three business days at 90%
DJI Stocks Up +5.66 +0.07%European and Asian Markets Down 0.72%.
10 Year Treasury is currently 2.10% up from 2.08% yesterday.
Crude Oil Currently $34.80 per … (5 comments)

mortgage calculator: Bill Ladewig's AM Market Brief - 12/18/08 02:15 AM
December 18, 2008, 8:15 AM PSTFannie Mae Mortgage Backed Securities (MBS) UP 29.0 basis points (bps) to 4.389%Average FHA Wholesale Rates are Down 0.4 basis points from this AM to 5.092% *A Basis Point is 1/100 of 1.00%
LOCKMortgage Backed Securities is the leading mortgage rate indicator and midday yesterday its rate increased as it remained in historically oversold territory.  The MBS Rate increased again this morning. 

DJI Stocks Down 3.98 -0.05%
European and Asian Markets Up 0.06%.
10 Year Treasury is currently 2.08% down from 2.19% yesterday.
Crude Oil Currently $38.43 per barrel.


Click here for the ULTIMATE … (3 comments)

mortgage calculator: Bill Ladewig's PM Market Brief - 12/17/08 07:11 AM
December 17, 2008, 1:00 PM PSTFannie Mae Mortgage Backed Securities (MBS) Down 41.7 basis points (bps) to 4.099%FHA Average Wholesale Mortgage Rates are up 7.6 basis points from this AM to 5.095% *A Basis Point is 1/100 of 1.00%
LOCKChanged to Lock from Float with Caution at 12:00 noon today based on the Mortgage Backed Securities market returning to previous oversold point and several wholesale lenders have sent notification of midday rate increases.

DJI Stocks Down 99.80 -1.12%
European and Asian Markets Up 0.32%.
10 Year Treasury is currently 2.19% down from 2.33% yesterday.
Crude Oil Currently $40.43 per barrel.

(0 comments)

mortgage calculator: Bill Ladewig's AM Market Brief - 12/15/08 02:48 AM
December 15, 2008, 8:35 AM PSTFannie Mae Mortgage Backed Securities Down 9.3 basis points (bps) to 4.598%
Average FHA Mortgage Rates up 1.4 basis points (bps) to 5.165%*A Basis Point is 1/100 of 1.00%
Advise to LockRates crawling off a historic "Oversold" condition and my best advice is still to LOCK .  A tough call in the face of the rumors from the Department of Treasury they will incentive banks to lower the rate to 4.50%.  But,  remember  "a bird in hand"
DJI Stocks Down 76.38 -0.89%
European and Asian Markets Up 0.13%
10 Year Treasury is currently 2.54%
Crude Oil … (0 comments)

mortgage calculator: Bill Ladewig's AM Market Brief - 12/11/08 02:02 AM
December 11, 2008, 8:00 AM PSTFannie Mae Mortgage Backed Securities Down 49.3 basis points (bps) to 4.519%*A Basis Point is 1/100 of 1.00%
Advise to LockRates are coming out of  an historic "Oversold" condition and still my best advice is to LOCK.  This is a tough call in light of the rumors from the Department of Treasury that they will incentive banks to lower the rate to 4.50%.  But,  I learned a long time ago about the "bird in hand"
DJI Stocks Down 9.64 -0.11%European and Asian Markets Up 0.14%
10 Year Treasury is currently 2.63%
Crude Oil Currently $47.05 per … (0 comments)

mortgage calculator: Bill Ladewig's PM Market Brief - 12/09/08 07:20 AM
December 9, 2008, 1:00 PM PSTFannie Mae Mortgage Backed Securities Down 4.1 basis points (bps) to 5.119%*A Basis Point is 1/100 of 1.00%
Advise to LockRates remain in a historic "Oversold" condition.  My best advice is to LOCK immediately.  This is a tough call in light of the rumors from the Department of Treasury that they will incentive banks to lower the rate to 4.50%.  But,  I learned a long time ago about the "bird in hand"
DJI Stocks Closed Down  242.85 -2.72%European and Asian Markets Up 0.93%
10 Year Treasury is currently 2.64%
Crude Oil Currently $42.83 per barrel.

(2 comments)

mortgage calculator: Bill Ladewig's AM Market Brief - 12/09/08 02:51 AM
December 9, 2008, 8:45 AM PSTFannie Mae Mortgage Backed Securities Down 4.1 basis points (bps) to 5.119%*A Basis Point is 1/100 of 1.00%
Advise to LockRates remain in a historic "Oversold" condition.  My best advice is to LOCK immediately.
DJI Stocks Opened Down -120.35 -1.35%European and Asian Markets Up 1.08%
10 Year Treasury is currently 2.73%
Crude Oil Currently $43.26 per barrel.






Click here for the ULTIMATE FHA-VA Loan Officer Trainer and Pre-Qualifier   Calculates everything you need to know about FHA and VA Loans.  Qualifies Borrowers, Finds Rates,: Payments, Buyer and Seller Costs and FHA and VA … (1 comments)

mortgage calculator: Bill Ladewig's PM Market Brief - 12/05/08 07:50 AM
December 5, 2008, 1:45 PM PSTFannie Mae Mortgage Backed Securities UP 2.4 basis points (bps) to 4.972%*A Basis Point is 1/100 of 1.00%
Advise to LockRates remain in a historic "Oversold" condition.  My best advice is to LOCK in spite of rumors about the Treasury Department somehow creating a 4.50% rate next week.  It is a tough call and the options should be discussed with your borrowers but sometimes a "bird in hand" is the best plan.
DJI Stocks Closed UP 259.18 +3.09%European and Asian Markets Down 3.20%
10 Year Treasury is currently 2.71%
Crude Oil Currently $41.75 per barrel. 


Click … (0 comments)

mortgage calculator: Bill Ladewig's AM Market Brief - 12/05/08 02:41 AM


December 5, 2008, 8:30 AM PSTFannie Mae Mortgage Backed Securities UP 2.4 basis points (bps) to 4.972%*A Basis Point is 1/100 of 1.00%
Advise to LockRates remain in a historic "Oversold" condition.  My best advice is to LOCK immediately.
DJI Stocks Down 214.73 -2.56%European and Asian Markets Down 3.49%
10 Year Treasury is currently 2.57%
Crude Oil Currently $42.18 per barrel. 


Click here for the ULTIMATE FHA-VA Loan Officer Trainer and Pre-Qualifier   Calculates everything you need to know about FHA and VA Loans.  Qualifies Borrowers, Finds Rates,: Payments, Buyer and Seller Costs and FHA and VA Maximum Loan Amounts … (1 comments)

mortgage calculator: Bill Ladewig's AM Market Brief - 12/04/08 02:09 AM
December 4, 2008, 8:00 AM PSTFannie Mae Mortgage Backed Securities Down 16.6 basis points (bps) to 4.948%*A Basis Point is 1/100 of 1.00%
Advise to LockRates remain in a historic "Oversold" condition.  My best advice is to LOCK immediately.
DJI Stocks Closed UP +22.30 +0.26%European and Asian Markets Down 0.27%
10 Year Treasury is currently 2.63%
Crude Oil Currently $46.56 per barrel.



Click here for the ULTIMATE FHA-VA Loan Officer Trainer and Pre-Qualifier   Calculates everything you need to know about FHA and VA Loans.  Qualifies Borrowers, Finds Rates,: Payments, Buyer and Seller Costs and FHA and VA Maximum Loan Amounts … (0 comments)

mortgage calculator: Bill Ladewig's PM Market Brief - 12/03/08 07:13 AM
December 3, 2008, 1:00 PM PSTFannie Mae Mortgage Backed Securities Up 8.7 basis points (bps) to 5.102%*A Basis Point is 1/100 of 1.00%
Advise to LockRates remain in a historic "Oversold" condition.  My best advice is to LOCK immediately.
DJI Stocks Closed UP 172.60 +2.05%European and Asian Markets Up 0.79%
10 Year Treasury is currently 2.67%
Crude Oil Currently $46.71 per barrel.



Click here for the ULTIMATE FHA-VA Loan Officer Trainer and Pre-Qualifier   Calculates everything you need to know about FHA and VA Loans.  Qualifies Borrowers, Finds Rates,: Payments, Buyer and Seller Costs and FHA and VA Maximum Loan Amounts … (2 comments)

mortgage calculator: Bill Ladewig's AM Market Brief - 12/03/08 03:34 AM
December 3, 2008, 9:30 PM PSTFannie Mae Mortgage Backed Securities Up 8.7 basis points (bps) to 5.102%*A Basis Point is 1/100 of 1.00%
Advise to LockRates remain in a historic "Oversold" condition.  My best advice is to LOCK immediately.
DJI Stocks UP 77.50 +0.92%European and Asian Markets Up 0.79%
10 Year Treasury is currently 2.71%
Crude Oil Currently $47.59 per barrel.



Click here for the ULTIMATE FHA-VA Loan Officer Trainer and Pre-Qualifier   Calculates everything you need to know about FHA and VA Loans.  Qualifies Borrowers, Finds Rates,: Payments, Buyer and Seller Costs and FHA and VA Maximum Loan Amounts anywhere … (0 comments)

mortgage calculator: Bill Ladewig's PM Market Brief - 12/02/08 09:18 AM
December 2, 2008, 3:15 PM PSTFannie Mae Mortgage Backed Securities Down 7.1 basis points (bps) to 5.016%*A Basis Point is 1/100 of 1.00%
Advise to LockRates remain in a historic "Oversold" condition.  My best advice is to LOCK immediately.
DJI Stocks UP 270.00 +3.31%European and Asian Markets Up 0.50%
10 Year Treasury is currently 2.67%
Crude Oil Currently $47.25 per barrel.



Click here for the ULTIMATE FHA-VA Loan Officer Trainer and Pre-Qualifier   Calculates everything you need to know about FHA and VA Loans.  Qualifies Borrowers, Finds Rates,: Payments, Buyer and Seller Costs and FHA and VA Maximum Loan Amounts anywhere … (1 comments)

mortgage calculator: Bill Ladewig's AM Market Brief - 12/02/08 02:43 AM
December 2, 2008, 8:30 AM PSTFannie Mae Mortgage Backed Securities Down 7.1 basis points (bps) to 5.016%*A Basis Point is 1/100 of 1.00%
Advise to LockRates remain in a historic "Oversold" condition.  My best advice is to LOCK immediately.
DJI Stocks UP 169.89 +2.08%European and Asian Markets Up 0.29%
10 Year Treasury is currently 2.70%
Crude Oil Currently $48.75 per barrel.





Click here for the ULTIMATE FHA-VA Loan Officer Trainer and Pre-Qualifier   Calculates everything you need to know about FHA and VA Loans.  Qualifies Borrowers, Finds Rates,: Payments, Buyer and Seller Costs and FHA and VA Maximum Loan … (2 comments)

mortgage calculator: Bill Ladewig's AM Market Brief - 12/01/08 02:00 AM
December 1, 2008, 8:00 AM PSTFannie Mae Mortgage Backed Securities Down 0.5 basis points (bps) to 5.086%*A Basis Point is 1/100 of 1.00%
Advise to LockRates remain in a historic "Oversold" condition.  My best advice is to LOCK immediately.
DJI Stocks Down 378.57 -4.29%European and Asian Markets Down 3.91%
10 Year Treasury is currently 2.83%
Crude Oil Currently $50.92 per barrel.
Click here for the ULTIMATE FHA-VA Loan Officer Trainer and Pre-Qualifier   Calculates everything you need to know about FHA and VA Loans.  Qualifies Borrowers, Finds Rates,: Payments, Buyer and Seller Costs and FHA and VA Maximum Loan Amounts anywhere in the country.
(1 comments)

mortgage calculator: Bill Ladewig's PM Market Brief - 11/28/08 07:24 AM
November 28, 2008, 1:15 PM PSTFannie Mae Mortgage Backed Securities Down 5.5 basis points (bps) to 5.091%*A Basis Point is 1/100 of 1.00%
Advise to LockRates are in an historic "Oversold" condition.  My best advice is to LOCK immediately.
DJI Stocks UP 102.43 +1.17%European and Asian Markets UP 1.02%
10 Year Treasury is currently 2.92%
Crude Oil Currently $55.20 per barrel. 


Click here for the ULTIMATE FHA-VA Loan Officer Trainer and Pre-Qualifier   Calculates everything you need to know about FHA and VA Loans.  Qualifies Borrowers, Finds Rates,: Payments, Buyer and Seller Costs and FHA and VA Maximum Loan Amounts anywhere in … (2 comments)

mortgage calculator: Bill Ladewig's AM Market Brief - 11/28/08 03:02 AM


November 28, 2008, 9:00 AM PSTFannie Mae Mortgage Backed Securities Down 5.5 basis points (bps) to 5.091%*A Basis Point is 1/100 of 1.00%
Advise to LockRates are in an historic "Oversold" condition.  My best advice is to LOCK immediately.
DJI Stocks UP +48.83 +0.56%%European and Asian Markets UP 0.12%
10 Year Treasury is currently 2.98%
Crude Oil Currently $53.82 per barrel.
Click here for the ULTIMATE FHA-VA Loan Officer Trainer and Pre-Qualifier   Calculates everything you need to know about FHA and VA Loans.  Qualifies Borrowers, Finds Rates,: Payments, Buyer and Seller Costs and FHA and VA Maximum Loan Amounts anywhere in … (0 comments)

mortgage calculator: Bill Ladewig's AM Market Brief - 11/26/08 02:34 AM
November 26, 2008, 8:00 AM PSTFannie Mae Mortgage Backed Securities UP 10.2 basis points (bps) to 5.146%*A Basis Point is 1/100 of 1.00%
Advise to LockRates are up slightly after yesterday's huge downward move.  Government intervention seems to indicate lower rates but right now that is just a good guess, lock to be sure.
DJI Stocks Opened UP 58.86 +0.69%European and Asian Markets down 0.43%
10 Year Treasury is currently 3.03%
Crude Oil Currently $51.13 per barrel.


Click here for the ULTIMATE FHA-VA Loan Officer Trainer and Pre-Qualifier   Calculates everything you need to know about FHA and VA Loans.  Qualifies Borrowers, … (0 comments)

mortgage calculator: Bill Ladewig's AM Market Brief - 11/25/08 03:23 AM
November 25, 2008, 9:10 AM PSTFannie Mae Mortgage Backed Securities Down 60.7 basis points (bps) to 5.044%*A Basis Point is 1/100 of 1.00%

Advise to LockTheis morning rates made their largest drop in months. 
DJI Stocks Down  20.00 -0.24%European and Asian Markets UP 1.44%
10 Year Treasury is currently 3.18%
Crude Oil Currently $51.19 per barrel.



Click here for the ULTIMATE FHA-VA Loan Officer Trainer and Pre-Qualifier   Calculates everything you need to know about FHA and VA Loans.  Qualifies Borrowers, Finds Rates,: Payments, Buyer and Seller Costs and FHA and VA Maximum Loan Amounts anywhere in the country.
FHA … (0 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

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