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The Truth About Mortgage Loan Points

The Latest from My Blog

Mortgage Rate Update August 21, 2014

Mortgage rates are more or less unchanged this week. If my updates are beginning to sound redundant that’s because they are.  The domestic economic data has been relatively strong this week which is normally a bad sign for interest rates. Earlier in the week the Core Price Index showed that prices are stable but inflation […]

Mortgage Rate Update August 18, 2014

Mortgage rates are very attractive.  In fact, dating back 14 months mortgage rates have only been this low on two other occasions (October 30, 2013 & May 30, 2014).  The question is: will they get better? Over the weekend officials from Germany, France, Ukraine, and Russia met in what is being seen as a precursor […]

Mortgage Rate Update August 14, 2014

Mortgage rates are very close to the best levels of the year. For weeks now I have been writing that domestically the US economy appears to be fairly healthy and if it weren’t for international story lines US mortgage rates would likely be higher.  Today is a perfect microcosm of this theme. Earlier today weekly […]

Mortgage Rate Update August 11, 2014

Mortgage rates are unchanged this morning and very near 2014 lows. We went into the weekend ‘floating’ waiting to see if the US stock market might break below an important technical level as I wrote about HERE.  However, stocks recovered on Friday which is making hard for interest rates to improve. The US economic calendar […]

Mortgage Rate Update August 7, 2014

Mortgage rates remain very close to the best levels of the year. As I wrote about on Monday the economic calendar is very light this week so interest rates are responding to technical trading patterns and the stock market.  The one item of interest this week is this morning’s weekly jobless claims.  The report showed […]

Mortgage Rate Update August 4, 2014

After mortgage rates rose sharply last Wednesday they recovered most of the losses on Friday following a lower than expected jobs report. In cased you missed it, the Bureau of Labor Statistics reported on Friday that the US economy added just 209,000 new jobs during the month of July.  This was below expectations of ~235,000 […]

Mortgage Rate Update July 31, 2014

Mortgage rates moved sharply higher yesterday (by mortgage market terms, in fact fixed rates only increased by ~.125%).  In Monday’s ‘rate update’ I warned about a possible “break-out” due to a prolonged convergence of pricing in the mortgage-backed bond (MBS) market.  We did get a “break-out” yesterday and unfortunately it was in the wrong direction. […]

Mortgage Rate Update July 28, 2014

Mortgage rates are effectively unchanged to start the week.  Rates have oscillated within a tight range since the 4th of July holiday.  As I’ve repeatedly written, domestic economic news has been fairly strong as of late and is place upward pressure on rates.  Counterbalancing this pressure is economic weakness in Europe and ongoing geopolitical tension. […]

Mortgage Rate Update July 24, 2014

Mortgage note rates are mostly unchanged from and the accompanying closing costs are slightly worse the start of the week. Interest rates continue to move within a fairly tight range.  Domestic economic news continues to want to pressure rates higher.  Earlier today weekly jobless claims were reported at the lowest level since 2006.  Earlier in […]

Mortgage Rate Update July 21, 2014

Mortgage note rates are mostly unchanged to start the week but the accompanying closing costs are modestly lower. Geopolitical tension is helping to keep mortgage rates low here in the US.  Fighting in Gaza City escalated over the weekend between Israel and Hamas. Moreover the political unrest between Ukraine and Russia also escalated over the […]