mortgage calculator: Bill Ladewig's AM Market Brief - 02/27/09 10:13 AM
February 27, 2009, 8:00 AM PST Fannie Mae Mortgage Backed Securities (MBS) Down 8.2 basis points (bps) to 4.759%*A Basis Point (bps) is 1/100 of 1.00%
National Average Fixed Rate Mortgage  Up 2 basis points at 5.14% on 02-26-09
Lock Advice: Float with CautionThe Mortgage Mentor rate indicator has been hovering in the nuetral zone for the past week where rates could begin a trend either up or down.
DJI Stocks: 7,116.61 Down 65.47 -0.91%
European and Asian Markets Down 1.61%
10 Year Treasury currently 3.01%
Crude Oil $43.69 per barrel, Down 3.38%
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mortgage calculator: Bill Ladewig's AM Market Brief - 01/16/09 10:53 AM
January 16, 2009, 8:45 AM PSTFannie Mae Mortgage Backed Securities (MBS) Up 2.3 basis points (bps) to 4.205%*A Basis Point (bps) is 1/100 of 1.00%
National Average Fixed Rate Mortgage  Unchanged at 5.08% on 01-14-09
Float with CautionMortgage Backed Securities are declining into an oversold territory from a nuetral zone where they have rested for the past week.
DJI Stocks Up 21.34 +0.26%European and Asian Markets Up 0.95%
10 Year Treasury is currently 2.29%
Crude Oil Currently $34.50 per barrel.
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mortgage calculator: Bill Ladewig's AM Market Brief - 01/14/09 10:02 AM
January 14, 2009, 8:00 AM PSTFannie Mae Mortgage Backed Securities (MBS) Down 2.4 basis points (bps) to 4.158%*A Basis Point (bps) is 1/100 of 1.00%
National Average Fixed Rate Mortgage  Unchanged 0.0 basis points at 5.08% 01-13-09
Float with CautionMortgage Backed Securities are declining into an oversold territory from a nuetral zone where they have rested for the past week.
DJI Stocks Down 277.73 -3.29%European and Asian Markets Down 3.41%
10 Year Treasury is currently 2.19%
Crude Oil Currently $37.13 per barrel.
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mortgage calculator: Bill Ladewig's PM Market Brief - 01/13/09 06:56 PM
January 13, 2009, 4:45 PM PSTFannie Mae Mortgage Backed Securities (MBS) Up 3.9 basis points (bps) to 4.182%*A Basis Point (bps) is 1/100 of 1.00%
National Average Fixed Rate Mortgage  Unchanged 0.0 basis points at 5.08% 01-12-09
Float with CautionMortgage Backed Securities are declining into an oversold territory from a nuetral zone where they have rested for the past week.
DJI Stocks Closed Down 25.31 -0.30%European and Asian Markets Down 1.76%
10 Year Treasury is currently 2.30% Down from 2.31
Crude Oil Currently $38.97 per barrel.
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mortgage calculator: Bill Ladewig's AM Market Brief - 01/13/09 08:44 AM
January 13, 2009, 6:35 AM PSTFannie Mae Mortgage Backed Securities (MBS) Up 3.9 basis points (bps) to 4.182%*A Basis Point (bps) is 1/100 of 1.00%
National Average Fixed Rate Mortgage  Unchanged 0.0 basis points at 5.08% 01-12-09
Float with CautionMortgage Backed Securities are declining into an oversold territory from a nuetral zone where they have rested for the past week.
DJI Stocks Opened Down 9.40 -0.11%European and Asian Markets Down 1.98%
10 Year Treasury is currently 2.32% up from 2.31
Crude Oil Currently $37.28 per barrel. 
Click here for the ULTIMATE FHA-VA Loan Officer Trainer and Pre-Qualifier   Calculates everything you need to know … (0 comments)

mortgage calculator: Bill Ladewig's PM Market Brief - 01/12/09 03:13 PM
January 12, 2009, 1:15 PM PSTFannie Mae Mortgage Backed Securities (MBS) Down 4.4 basis points (bps) to 4.144%*A Basis Point (bps) is 1/100 of 1.00%
National Average Fixed Rate Mortgage  Down 1.0 basis points to 5.08% on 01-09-09
LOCKMortgage Backed Securities are in a nuetral zone where the odds are about equal they could continue either up or down.  If you feel lucky float but, my advice in this uncertain market is to lock..
DJI Stocks Down 125.13 -1.46%European and Asian Markets Down 1.67%
10 Year Treasury is currently 2.31% Down from 2.39 on Thursday
Crude Oil Currently $37.71 per barrel.
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mortgage calculator: Bill Ladewig's PM Market Brief - 01/09/09 03:12 PM
January 9, 2009, 1:15 PM PSTFannie Mae Mortgage Backed Securities (MBS) Up 1.9 basis points (bps) to 4.188%*A Basis Point (bps) is 1/100 of 1.00%
National Average Fixed Rate Mortgage  Down 2.0 basis points to 5.09% 01-08-09
LOCKMortgage Backed Securities are in a nuetral zone where the odds are about equal they could continue either up or down.  If you feel lucky float but, my advice in this uncertain market is to lock..
DJI Stocks Down 143.28 -1.64%European and Asian Markets Down 0.81%
10 Year Treasury is currently 2.39% Down from 2.45 on Thursday
Crude Oil Currently $40.89 per barrel. 
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mortgage calculator: Bill Ladewig's AM Market Brief - 01/09/09 12:12 PM
January 9, 2009, 10:00 AM PSTFannie Mae Mortgage Backed Securities (MBS) Up 1.9 basis points (bps) to 4.188%*A Basis Point (bps) is 1/100 of 1.00%
National Average Fixed Rate Mortgage  Down 2.0 basis points to 5.09% 01-08-09
LOCKMortgage Backed Securities are in a nuetral zone where the odds are about equal they could continue either up or down.  If you feel lucky float but, my advice in this uncertain market is to lock..
DJI Stocks Down 98.84 -1.13%European and Asian Markets Up 0.81%
10 Year Treasury is currently 2.38% Down from 2.45 on Thursday
Crude Oil Currently $41.88 per barrel. 
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mortgage calculator: Bill Ladewig's PM Market Brief - 01/08/09 03:35 PM
January 8, 2009, 1:30 PM PSTFannie Mae Mortgage Backed Securities (MBS) Down 1.4 basis points (bps) to 4.169%*A Basis Point (bps) is 1/100 of 1.00%
National Average Fixed Rate Mortgage  Down 2.0 basis points to 5.09%
LOCKMortgage Backed Securities are in a nuetral zone where the odds are about equal they could continue either up or down.  If you feel lucky float but, my advice in this uncertain market is to lock..
DJI Stocks Down 51.29, 0.58%%European and Asian Markets Down 1.47
10 Year Treasury is currently 2.44% Down from 2.50 on Wednesday
Crude Oil Currently $41.83 per barrel.
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mortgage calculator: Bill Ladewig's AM Market Brief - 01/08/09 10:25 AM
January 8, 2009, 8:00 AM PSTFannie Mae Mortgage Backed Securities (MBS) Down 1.4 basis points (bps) to 4.169%*A Basis Point (bps) is 1/100 of 1.00%
LOCKMortgage Backed Securities are in a nuetral zone where the odds are about equal they could continue either up or down.  If you feel lucky float but, my advice in this uncertain market is to lock..
DJI Stocks Down 42.53 -0.48%European and Asian Markets Down 1.65
10 Year Treasury is currently 2.48% Down from 2.50 on Tuesday
Crude Oil Currently $41.17 per barrel.
Click here for the ULTIMATE FHA-VA Loan Officer Trainer and Pre-Qualifier   Calculates everything you need … (0 comments)

mortgage calculator: Bill Ladewig's AM Market Brief - 01/07/09 12:07 PM
January 7, 2009, 10:00 AM PSTFannie Mae Mortgage Backed Securities (MBS) Down 32.4 basis points (bps) to 4.183%*A Basis Point (bps) is 1/100 of 1.00%
LOCKMortgage Backed Securities are in a nuetral zone where the odds are about equal they could continue either up or down.  If you feel lucky float but, my advice in this uncertain market is to lock..
DJI Stocks Down 188.45 -2.09%European and Asian Markets Down 1.19
10 Year Treasury is currently 2.50% Down from 2.54 on Tuesday
Crude Oil Currently $45.13 per barrel.
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mortgage calculator: Bill Ladewig's AM Market Brief - 01/06/09 10:41 AM
January 6, 2009, 8:30 AM PSTFannie Mae Mortgage Backed Securities (MBS) Down 14.5 basis points (bps) to 4.507%Monday, FHA Wholesale Rates were down 7.7 bps to 5.049%*A Basis Point (bps) is 1/100 of 1.00%
LOCKMortgage Backed Securities are in a nuetral zone where the odds are about equal they could continue either up or down.  If you feel lucky float but, my advice in this uncertain market is to lock..
DJI Stocks Up 32.34 +0.36%European and Asian Markets Up 1.34%
10 Year Treasury is currently 2.54% Up from 2.44 on Monday
Crude Oil Currently $50.23 per barrel.
Click here for the ULTIMATE … (0 comments)

mortgage calculator: Bill Ladewig's PM Market Brief - 01/02/09 04:46 PM
January 2, 2009, 2:30 PM PSTFannie Mae Mortgage Backed Securities (MBS) Up 2 basis points (bps) to 4.488%FHA Wholesale Rates are Up bps to 5.129%*A Basis Point (bps) is 1/100 of 1.00%
LOCKMortgage Backed Securities are approaching a nuetral zone where the odds are about equal they could continue either up or down.  My advice is to lock for the short term.
DJI Stocks Up 258.30 +2.94%European and Asian Markets Up 3.01%
10 Year Treasury is currently 2.37% Up from 2.21 on Wednesday
Crude Oil Currently $46.33 per barrel.
Click here for the ULTIMATE FHA-VA Loan Officer Trainer and Pre-Qualifier   Calculates everything you need … (0 comments)

mortgage calculator: Bill Ladewig's PM Market Brief - 12/31/08 04:53 PM
December 31, 2008, 2:15 PM PSTFannie Mae Mortgage Backed Securities (MBS) Down 20.0 basis points (bps) to 4.280%FHA Wholesale Rates are Down 24.2 bps to 5.088%*A Basis Point (bps) is 1/100 of 1.00%
LOCKMortgage Backed Securities are approaching a nuetral zone where the odds are about equal they could continue either up or down.  My advice is to lock for the short term.
DJI Stocks Closed Up 108.00 +1.25%European and Asian Markets Up 1.24%
10 Year Treasury is currently 2.21% up from 2.10 on Tuesday
Crude Oil Currently $42.70 per barrel. 




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mortgage calculator: Bill Ladewig's AM Market Brief - 12/31/08 10:57 AM
December 31, 2008, 8:45 AM PSTFannie Mae Mortgage Backed Securities (MBS) Down 20.0 basis points (bps) to 4.280%FHA Wholesale Rates are Down 24.2 bps to 5.088%*A Basis Point (bps) is 1/100 of 1.00%
LOCKMortgage Backed Securities are approaching a nuetral zone where the odds are about equal they could continue either up or down.  My advice is to lock for the short term.
DJI Stocks Closed Up 85.78 +0.99%European and Asian Markets Up 1.24%
10 Year Treasury is currently 2.12% up from 2.10 on Tuesday
Crude Oil Currently $38.94 per barrel. 




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mortgage calculator: Bill Ladewig's PM Market Brief - 12/30/08 03:19 PM
December 30, 2008, 1:15 PM PSTFannie Mae Mortgage Backed Securities (MBS) Up 2.0 basis points (bps) to 4.490%Monday FHA Wholesale Rates were Down 20.2 bps from 5.252 on Friday to 5.050% *A Basis Point (bps) is 1/100 of 1.00%
LOCKMortgage Backed Securities are approaching a nuetral zone where the odds are about equal they could continue either up or down.  My advice is to lock for the short term.
DJI Stocks Closed Up 184.46 +2.17%European and Asian Markets Up 1.37%
10 Year Treasury is currently 2.08% down from 2.10 on Monday
Crude Oil Currently $39.22 per barrel.




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mortgage calculator: Bill Ladewig's PM Market Brief - 12/29/08 05:08 PM
Becember 29, 2008, 3:00 PM PSTFannie Mae Mortgage Backed Securities (MBS) Down 6.10 basis points (bps) to 4.4701%FHA Wholesale Rates were Down 20.2 bps from 5.252 on Friday to 5.050% *A Basis Point (bps) is 1/100 of 1.00%
LOCKMortgage Backed Securities remain in historically oversold territory placing the odds of rates continuing in an upward direction for the week at 80%
DJI Stocks Down 31.62 -0.37%European and Asian Markets Up 0.61%
10 Year Treasury is currently 2.10% Down from 2.17% Friday
Crude Oil Currently $40.02 per barrel.





Click here for the ULTIMATE FHA-VA Loan Officer Trainer and Pre-Qualifier   … (0 comments)

mortgage calculator: Bill Ladewig's AM Market Brief - 12/29/08 10:09 AM
December 29, 2008, 8.00 AM PSTFannie Mae Mortgage Backed Securities (MBS) Down 6.10 basis points (bps) to 4.4701%Friday FHA Wholesale Rates were Down 9.9 bps from 5.365 on Wednesday to 5.252% *A Basis Point (bps) is 1/100 of 1.00%
LOCKMortgage Backed Securities remain in historically oversold territory placing the odds of rates continuing in an upward direction for the week at 80%

DJI Stocks Down 93.35 -1.10%European and Asian Markets Up 0.82%
10 Year Treasury is currently 2.07% Down from 2.17% Friday
Crude Oil Currently $38.83 per barrel.



Click here for the ULTIMATE FHA-VA Loan Officer Trainer and Pre-Qualifier   … (0 comments)

mortgage calculator: Bill Ladewig's AM Market Brief - 12/26/08 10:06 AM
December 26, 2008, 8:00 AM PSTFannie Mae Mortgage Backed Securities (MBS) Down 6.30 basis points (bps) to 4.531%Wednesday Average FHA Wholesale Rates were Down 9.9 bps from 5.465 on to 5.365% *A Basis Point (bps) is 1/100 of 1.00%
LOCKMortgage Backed Securities about half way back from a historically oversold condition.  When rates are good in an uncertain market it is usually a good idea to lock before entering a weekend.
DJI Stocks Up 39.50 +0.47%European and Asian Markets Down 0.10%
10 Year Treasury is currently 2.17% up from 2.16% Wednesday
Crude Oil Currently $36.22 per barrel.



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mortgage calculator: Bill Ladewig's AM Market Brief - 12/24/08 11:12 AM
December 24, 2008, 9:00 AM PSTFannie Mae Mortgage Backed Securities (MBS) Up 2.4 basis points (bps) to 4.594%Average FHA Wholesale Rates were Down 9.9 bps from 5.465 on Tuesday to 5.365% *A Basis Point (bps) is 1/100 of 1.00%
LOCKMortgage Backed Securities remain in historically oversold territory placing the odds of rates continuing in an upward direction for the next week at 80%
DJI Stocks Up 28.36 +0.34%European and Asian Markets Down 0.41%
10 Year Treasury is currently 2.16% from 2.16% yesterday
Crude Oil Currently $37.51 per barrel.





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