Life, Lessons, Encouragement and a little market insight to boot

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Mortgage and Lending - US Mortgages - David Shamansky - NMLS#392126
Positive reinforcer, Productive encourager, Entreprenuer, Life Coach, Success Coach, Wealth Builder, Business Leader and Professional Lender.

ARCHIVED BLOG POSTS

2011 

Strange doesn't mean bad, does it? How many times have we run across something that is just strange looking "not normal", even though almost nothing in our industry is normal nowadays? I see new agents and new loan officers run from these scenario's and also I see others that take a different app...
06/07/2011
Good morning AR readers and members... Here are the factors driving, or stalling as is the case right now, the mortgage rates today 6/7/11. Today we have two critical items the 3y Treasury auction and the Fed Beige Book report. Depending on the reports we could see a fairly large swing in either ...
06/07/2011
1 Comments
Chasing Rainbows... (even the rare double one's) We have all heard this expression in business, or many have anyway, and its commonly used to describe your wasting your time. (chasing rainbows, looking for the Pot o Gold, going after the hard or near impossible deal or client) So living here in s...
06/06/2011
Mortgage rates are cautious ahead of the Fed Beige Books report wed afternoon. The 10Y is off slightly with Yield now back over 3%, currently sitting at 3.02%The FNMA 4.0 coupon opened with a gap down loss of -15bps and has since peeled off an additional -9bps as the market waits to see what the ...
06/06/2011
5 Comments
The only thing better than the weekend is having a beautiful day hope you enjoy the pic from Garden of the Gods in Colorado  
06/04/2011
We all know this but sometimes it gets lost in the shuffle... The saying "here today but gone tomorrow" loses its reality punch, if not used and used properly. Lets face it, we get bad news (especially lately) from the media and have to deal with it and the problems it causes. We also have to ove...
06/03/2011
Good afternoon AR members and readers, here is what will be driving the markets for next week... Tues 6/7 3-yr Auction Wed 6/8 Beige Book 10-yr Auction Thur 6/9 Trade Balance 30-yr Auction Fri 6/10 Import Prices Should be interesting and we closed today just a fraction over as I called it at 101....
06/03/2011
4 Comments
Do you ever wake up or go through the day and it hits you, the infamous "why me" question? It can be from... remembering the good old days something that happened (good or bad) in the past and it becomes your focus today news from peers, clients or media or the good ol never ending fed legislatio...
06/03/2011
Rates are in a testing pattern today 6/3/11 With the employment numbers including non farm payroll coming in below expectations today it sparked a massive +47bps gap up opening. However our last 3 weeks of almost non stop increase to bonds and treasuries may be at a check point before we see furt...
06/03/2011
Mortgage Rates and Markets 6/2/11 Good morning AR readers and members. The market opened up today with a slew of bad news. (should bolster lower rates) here is what is driving the markets today... Initial Claims: Actual 422K, prior 424K (consensus 413K) Continuing Claims: Actual 3711K, prior 3690...
06/02/2011
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David Shamansky

Creative, Aggressive & 560 FICO - OK, Colorado Mtg
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