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Current Mortgage Rates for Friday, September 2, 2016
Happy Friday, and welcome to the TMS current mortgage rates blog. There’s some economic data out today, but first, your daily mortgage rate forecast/advice. Click here to get today’s latest mortgage rates. Where are mortgage rates going? August jobs report disappoints After two months of solid gains, the labor market slowed in August, adding only 151,000 jobs. That’s 21,000 short of economists’ expectations for 175,000. The unemployment rate held steady at 4. 9%, as did the participation rate at 62. 8%. There’s always a lot of hype in the weeks and days leading up to the jobs report, and with all of the cheer-leading from Federal Reserve officials about a September rate hike, investors had an even closer eye than usual on today’s headline number.
Many people dream about building a new home to their exact specifications. If you've been thinking about building a new home, it could be one of the most exciting and rewarding projects you'll ever undertake. If you're currently a homeowner, an alternative to a construction loan is to use the equity in your home to finance building a house. We offer a number of construction loans designed to help you finance the building of your new home. For information on construction loans, including the benefits of closing before construction begins, talk with a mortgage loan originator.
A good thing to know is that you can refinance a second mortgage, even if your credit is not very good. washington state mortgage rateswestar mortgagecashout mortgageClearly, the choice of buying a home is one of the most important things you will ever make. thrive financemortgage lenders reviewwestar mortgage meriwest mortgage companyIn an interest only mortgage, the loan is not repaid at the end of the term. mortgage companies in houston westar mortgage of mortgage interest ratesKnow the standards established by these organizations is critically important that you consider a home purchase.
Posts from May 2013 on Mortgage News and Rates
BERNANKE’S COMMENTS CAUSE INTEREST RATES TO HEAD EVEN HIGHER May 27th, 2013 On Wednesday, Bernanke publicly testified to the Joint Economic Committee that the Fed could ease it’s monetary assistance with the bond market in the next 3 to 4 FOMC meetings. These simple comments caused one of the largest one day rate hikes I have ever seen. The Mortgage Backed security market closed Wednesday trading down – 98 bps and closed the week trading down -86 bps. I have warned about this in past updates. When the FED leaves the mortgage backed security market, rates will rise quickly.
Cynthia Webb Loan Officer NMLS ID #: 204648 Mobile:505-604-3907cwebb@castlecookemortgage. comI have been originating mortgages since 2004. Before working in mortgage lending, I worked in banking as an Operations Manager. I joined Castle & Cooke Mortgage because of their family-motivated atmosphere. This is a great fit for me because I care about the community, families and serving the heroes in our community. Whether you’re in need of a new loan or a refinance, I’m looking forward to putting my expertise to work for you! No question or concern is too big or too small.
How Mortgage Rates are Affected by the Fed's "Operation Twist"
Due to the sluggish economic recovery, the Federal Reserve launched Operation Twist. This is the latest effort by America’s central bank to turn things around using monetary policy. Many hope the project will lower long-term interest rates, including mortgage rates. If history is any indication, however, shuffling around government bonds won’t have much affect. What Is Operation Twist? For the last couple years, the Federal Reserve has engaged in qualitative easing by buying up treasury bonds about to expire. Operation Twist has the Fed trading in short-term government bonds for medium-term bonds and long-term bonds.
House Prices and Subprime Mortgage Delinquencies
The recent sharp increase in subprime mortgage delinquencies has captured the public spotlight and led analysts to search for the factors that are likely to have contributed to the problem. These factors commonly include the lack of income documentation, high loan-to-income ratios, the lowering of credit standards, and the resets on adjustable-rate loans, to name but a few. Although these factors are important to consider, it also is important to remember that the delinquencies have occurred during a time of seismic shifts in the patterns of house-price appreciation, shifts that were unprecedented in terms of their size and suddenness and that varied widely across metropolitan areas.
FHA Fixed Florida - FHA 30 Year Fixed Mortgage Rates Florida...
FHA World Florida - FHA Fixed Florida One of the most popular types of mortgages is the 30-year fixed-rate mortgage. This loan is usually the easiest to qualify for and provides the maximum interest deduction at tax time. The interest rate stays the same over the life of the loan which provides unchanging low monthly payments. Over time, borrowers gain equity in the home as they pay down the principal or actual loan amount. For borrowers who intend on staying in the house for a long time this mortgage is particularly helpful and practical. A disadvantage of the 30-year fixed-rate mortgage is paying more interest over time than shorter period.
Using the yield spread to forecast recessions and recoveries
The yield spread indicates the likelihood of a recession or recovery one year forward. The spread equals the difference between the short-term borrowing rate set by the Federal Reserve and interest rates on longer term treasury notes, determined by bond market activity. The spread increased to 1. 35 points in September 2016, arecent uptick which has continued upward post-election after what has been a long falling trend. Still, this relatively low yield spread is the result of bond market investors seeing less future growth, the Federal Reserve’s inability to lower short-term rates to stimulate growth and reductions in government spending.