Lock Watch for the Week of 1/7/2019

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Mortgage and Lending with Guaranteed Rate, Marin County, CA NMLS: 22343

Lock Watch for the Week of 1/7/2019

 

Volatility-O-Meter:

Shutdown persists and my guess is that equity market volatility will too.  Bond auctions mid-week and Jerome Powell speaks on Thursday.

 

Economicalendar (all times are Pacific):

Mon, 1/7:      Factory Orders and ISM Non-Mfg Index (7am).

Tues, 1/8:     International Trade (5:30am) and JOLTS (7am).  3-Yr Note Auction (10am).

Weds, 1/9:     10-Yr Note Auction (10am).

Thurs, 1/10:    30-Yr Bond Auction (10am).

Fri, 1/11:        CPI (5:30am).

 

10-Year Treasury History

2.66%     Market Open

2.72%     One Week Ago

2.85%     One Month Ago

2.55%     One Year Ago

 

The Noble Eightfold Path of Buddhism

 

Right View/Understanding

See things as they truly are without delusions or distortions, for all things change. Develop wisdom by knowing how things work, knowing oneself and others.

Right Thinking

Decide to set a life on the correct path. Wholehearted resolution and dedication to overcoming the dislocation of self-centered craving through the development of loving kindness, empathy and compassion.

Right Speech
Abstinence from lies and deceptions, backbiting, idle babble and abusive speech. Cultivate honesty and truthfulness; practice speech that is kind and benevolent. Let your words reflect your desire to help, not harm others.

Right Conduct
Practice self-less conduct that reflects the highest statement of the life you want to live. Express conduct that is peaceful, honest and pure showing compassion for all beings.

Right Livelihood
Earn a living that does not harm living things. Avoidance of work that causes suffering to others or that makes a decent, virtuous life impossible. Do not engage in any occupation that opposes or distracts one from the path. Love and serve our world through your work.

Right Effort
Seek to make the balance between the exertion of following the spiritual path and a moderate life that is not over-zealous. Work to develop more wholesome mind states, while gently striving to go deeper and live more fully.

Right Mindfulness
Become intensely aware of all the states in body, feeling, and mind. Through constant vigilance in thought, speech and action seek to rid the mind of self-centered thoughts that separate and replace them with those that bind all beings together. Be aware of your thoughts, emotions, body and world as they exist in the present moment. Your thoughts create your reality.

Right Concentration
Deep meditation to lead to a higher state of consciousness (enlightenment). Through the application of meditation and mental discipline seek to extinguish the last flame of grasping consciousness and develop an emptiness that has room to embrace and love all things.

 

Om mani padme hum,

 

 

Robert J. Spinosa
Vice President of Mortgage Lending

Guaranteed Rate
NMLS: 22343 
Cell/Text: 415-367-5959 Fax: 415-366-1590
rob.spinosa@rate.com

Marin Office:  324 Sir Francis Drake Blvd., San Anselmo, CA  94960

Berkeley Office:  1400 Shattuck Ave., Suite 1, Berkeley, CA  94709
 

*The views and opinions expressed on this site about work-related matters are my own, have not been reviewed or approved by Guaranteed Rate and do not necessarily represent the views and opinions of Guaranteed Rate.  In no way do I commit Guaranteed Rate to any position on any matter or issue without the express prior written consent of Guaranteed Rate's Human Resources Department.

 

Guaranteed Rate. Illinois Residential Mortgage Licensee NMLS License #2611 3940 N. Ravenswood Chicago, IL 60613 - (866) 934-7283

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Tags:
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Rainmaker
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Jeremy K. Frost
Keller Williams Realty - Dripping Springs, TX
Associate Broker, CNE, CRS, ePro, PSA

Thank you for keeping us posted and up to date. Best of luck!

Jan 07, 2019 11:19 AM #1
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Rainmaker
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Rob Spinosa

Vice President of Mortgage Lending, Marin County
Can I Get a Jumbo Loan with 10% Down?
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