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Applying Economic Data To Interest Rate Volatility** December 7, 2007

By
Mortgage and Lending with The Prime Financial Group Inc.

Applying Economic Data to Interest Rate Volatility

  Bull    

Neutral - Gov't Proposed Freeze on "Type's" of Mortgages

Good

  • Gives staying power to current homeowners - its a short term band-aide
  • Brings stability to municipalities tax revenue for bond holders & rating agencies.
  • Stabilizes "sector" risk in the residential real estate, i.e.: CA, FL, AZ, NV. 
Bad
  • Wall Street passes the buck - doesn't take its true responsibility for creating these investment vehicles & their demise.
  • Chilling effect on the securitization of mortgages
    • Cut off capital
    • Rates will have to rise to compensate "new" risk - US gov't interventions / mandates
  • Extends a recovery to real estate
  • Populations might begin moving from higher risk states.
  Bear
  • US employers added 94,000 jobs in November& the unemployment rate held at 4.7%
    • Rates climb
    • Is the Market saying the "worst is behind us & bond yields supposed to be higher?"
    • This main barometer of economic data completely challenges the Fed for further rate cut rates.
  • Bush's sub-prime proposed mortgage freeze
  • Goldman Sachs Group estimates that the worldwide loss in the credit markets may reach $726 Billion.

 

William J Sorrentino Jr

Homeowner Advisor

The Prime Financial Group Inc.

110 West Indiana Avenue, Suite 204

Deland, Florida 32720

(386) 852-7201 OFFICE

(407) 386-7504 EFAX

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