Real Estate Blog

I am a regular participant in the Bankrate.com Mortgage Rate Trend survey and this week’s survey is now available. The Bankrate.com survey is for conforming mortgages only. It does not apply to FHA mortgages, VA mortgages, or jumbo mortgages. However, I do lend on all of these loan types in…

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Bankrate.com Mortgage Trend Index (December 4, 2008)

Americans refinancing into today’s low mortgage rates would do well to watch this I Love Lucy video. It’s an (imperfect) metaphor for what’s about to happen in mortgage underwriting offices all around the country. While you’re watching the video, think of: Lucy and Ethel as mortgage underwriters…

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Locked A New, Low Mortgage Rate? Learn From Lucille Ball.

Please take less than 60 seconds to complete my annual reader survey. It’s less than 6 questions It’s completely anonymous It would be a huge help for me If The Mortgage Reports helps you, please help me back. The survey is super-short. Thanks!

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2008 Reader Survey : Who Reads The Mortgage Reports?

November 2008 was another record-breaking month for Mortgage Rate Volatility. While market players drove themselves crazy, rapidly alternating between economic optimism, pessimism and cynicism, Americans looking for new home loans were forced to ride shotgun. Related to Wall Street’s uncertainty,…

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Set Your Mortgage Rate Alarm Clock For 3 Hours and 35 Minutes

I am a regular participant in the Bankrate.com Mortgage Rate Trend survey and this week’s survey is now available. The Bankrate.com survey is for conforming mortgages only. It does not apply to FHA mortgages, VA mortgages, or jumbo mortgages. However, I do lend on all of these loan types in all 50…

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Bankrate.com Mortgage Trend Index (November 27, 2008)

People ask me where mortgage rates are headed. I don’t know the answer to that question. And, for a lot of reasons, really. None, however, more apparent than what happened yesterday. Shortly before the market open, the government pledged $500 billion to buy mortgage-backed debt. The move came as a…

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How Newton’s First Law Relates To Mortgage Rates

I’ve said it once before, but it bears repeating: To follow mortgage rates on a day-to-day basis, keep your eye on the mortgage-backed securities market. The popular 10-year U.S. treasury note is not a proxy. Yes, both are government-backed bonds, but they are as different as Barry and Bobby Jr….

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Mortgage Rates And 10-Year Treasury Note Rates Are Fully De-Coupled

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What Deflation Does To Mortgage Rates

I am a regular participant in the Bankrate.com Mortgage Rate Trend survey and this week’s survey is now available. The Bankrate.com survey is for conforming mortgages only and does not apply to FHA mortgages, VA mortgages, or jumbo mortgages. However, because I lend on all of these loan types in…

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Bankrate.com Mortgage Trend Index (November 20, 2008)

The government published the 2009 FHA Loan Limits for all 3,141 counties in the United States. As expected, loan limits will recede from their temporary levels of 2008. As in 2008, the 2009 FHA loan limits are based on the number of units in the property — from 1-unit to 4-unit: 1-unit : $271,050…

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2009 FHA Loan Limits Published To PDF For All 3,141 U.S. Counties

Four times annually, the Federal Reserve surveys 84 banks around the country regarding their general lending standards. One of the survey questions asks about current mortgage lending standards and whether it’s getting harder, or easier, to get approved for a home loan. In the most recent survey,…

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How High-Income Individuals Can Prepare For Mortgage Lending’s Next Hurdles

People often assume that because adjustable-rate mortgages “share risk” with mortgage lenders, they will be rewarded with lower mortgage rates than if they chose a comparable fixed-rate mortgage. The chart at right proves that thinking false. Three separate times since mid-September, 5-year ARMs…

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Which Is Better — Fixed Rate Mortgage Or Adjustable Rate Mortgage? The Answer Changes Day-By-Day.

People often assume that because adjustable-rate mortgages “share risk” between mortgage lender and mortgage lendee, they will be rewarded with a lower mortgage rate than if they chose a comparable fixed-rate mortgage. The chart at right proves that thinking false. Three separate times since…

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Which Is Better : Fixed Rate Mortgage Or Adjustable Rate Mortgage? The Answer Changes Day-By-Day.

I am a regular participant in the Bankrate.com Mortgage Rate Trend survey and this week’s survey is now available. The Bankrate.com survey is for conforming mortgages only and does not apply to FHA mortgages, VA mortgages, or jumbo mortgages. For any of these loan types, I should mention, however,…

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Bankrate.com Mortgage Trend Index (November 13, 2008)

If home prices are all about Supply and Demand curves, it looks like the national recovery is well-underway — the housing inventory is falling in most major markets. As reported by ZipRealty, the number of single-family homes for sale nationwide declined by 1.6 percent in October. What’s most…

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For Home Buyers, The Window To Negotiate With Sellers May Be Closing