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A letter to my client
March 28th, 2020 3:56 PM by Eric Fang
One client emailed me for the rates this morning, so I replied with the following:
Glad to hear from you.
Let me introduce something about the industry.
First the Fed lower the Fed rate, the mortgage rate lower, then lender got lots of business.
Then Conora Virus came, and the industry has limited bandwidth for the shelter-in-home,
and to add salt to the wound, the appraisers did not want to go out for the appraisal, and notary persons do not want to sign.
And the lenders decided to increase the rate, so no more applications to their pipeline. They want to clear their locked pipeline first.
So that's why the rate is much higher than the rates 3-4 weeks ago.
And to get matters worse, normally insurance companies and the retirement funds are other sources for the loan. Because of the selloff from the stock market, the industry saw the liquidity problems. There are not enough money for the loans now. So some programs closed, first non-qm loans(not a lot of people use them), then jumbo loans,
and recently conforming ARM loans.
And lenders will not allow us to lock the rate until the loan is approved.
So what should we proceed from here?
We will start the process, target a rate you would like to have, and if we think that rate is doable, then let's proceed the process. Once the market improves, then we will lock the rate.
Will the market rate improve? Yes, it will. But we will need Fed's help. Yes, Fed said that we would have unlimited QE to bring the rate down.
Let's back to your loan:
what's your loan amount, what's your property value? And what rate you prefer to get for the refinance.
I will reply to your questions after your reply.
Stay safe and healthy. Have a good weekend.
Posted by Eric Fang on March 28th, 2020 3:56 PM
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Finished New York Marathon 3:37:22
Purchases in FL and TX
One more marathon under the belt
2023 Loan Limit would be 715k-- we can accept the loan amount less than 715k as conforming loan now.
Planning Marathons for 2023.
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5 yr fixed 1.75% for loan amount 548k
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When 30 Yr fixed higher, we may need to consider ARM again
10 Yr fixed or 15 Yr fixed Conforming rate is lower
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Quoted 7/1 ARM 2.5% for Jumbo loan
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Let's play some politics
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Points paid for the Rental Property are tax deductible as well.
Refinance with Loan To Value Ratio over 80%.
The Mortgage Rate was up May 21st & May 22nd
2020 CIM & Interest Rate
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The Tug-of-War Continues & Home Builders Are Very Bullish
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Another Half Marathon today
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8 Miles Tempo today
Tempo Run 6 Miles Today
A little it half marathon Saturday
The interest rate went up slightly -- Please read.
Started training for Marathons this week.
The show will continue, and I will start the regular training.
The only thing I can not guarantee is the lowest rate
Mortgage rates tick up, but there is room to move lower
What's the next?
The rate started reverse the trend
RE & Stock Markets, and my Readings
The interest rate might be bottomed out
The Good, the Bad, and the Ugly
High Balance rates get better
Closed the most loans in June
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Step by step plans
Started reading the book:Wolf Hall
I am not only a loan originator
Think like a machine
A Productive week
Life back to "Normal" again -- working hard and training harder
Finally got a good run.
10 Miles today.
WHO ARE WE?
Stay safe and stay healthy
Finally 30 yr fixed rate back to 3%
How conoraVirus affected our lives?
Call it a nice day.
The rate is improving
Finished a virtual Boston Marathon Satursay.
Chase halts HELOC
It is the strategy, not the speed, right?
How the banks doing for the 1st Quater?
RE Market for 2020
Will have better rates after May 15th
Mortgage Forbearance -- Please do not take this "advantage"
If you can think like you would think 10 years later ...
Finished 8 miles today. And will have a reading list for the next a few months.
My Marathon Trainings for the next 4 months
Mortgage Rates available for the next 15 days. Then I will update to my web sites
CARES Act - Mortgage Forbearance Relief Breakdown
Good to be patient
Will post the rates starting April 20, 2020
A good start
Read this if you(the business owner or landload) need a business loan
ARM programs suspended for sometime
We will overcome all the difficulties
Another 10 miles today
A letter to my client
Treasuries and Mortgage Rate still Disconnect
The interest rates get a little bit better. But still high.
Got the news yesterday: The lenders would keep the rate higher
Which rate is a good rate?
Be Patient with the stock market and refinance
I am happy with 3.125%
You may not believe it. The rate actually went up.
Will we get lower rates after today's Fed rate cuts?
Refinance is only a small part of the financial planning
7/1 ARM rate 2.75% today for the loan amount over 400k
No Fear. It is ok to avergae down.
Interest rate may hit short term bottom
Do not panic. This is the opportunity
Cash-out loans -- the purpose is different.
Why the interest rate is not that low, especially 15 yr fixed, ARM rate etc?
I am not a good tarder
Registered for 2021 Houston Marathon.
So busy these days
Try not to trade any stocks or funds in the next two months
Readings and Readings
Why I purchased WFC yesterday
The trading cost
What Mentors Do
It has been great for 1/24 of 2020
GDP Increase and Economic Review of 4th Quarter 2019
Jumbo rate is getting better
Interest rate lower
Happy New Year of 2020
Finished 8 Marathons in 2019.
Finished Chapter 12 of "Zen and the Art of Motorcycle Maitenance"
Three Reasons Why Housing Will continue to Shine
Wealthy people are worried about turbulent 2020
Books, Marathons, etc
Home rates the same level as before the Fed 1st rate cut this year
Interest rate will still stay within trade range. Do not expect it will go down too much from here.
Fed Cut the rates agin -- the last time for this year
3 Reasons why the interest rate ticked higher
New Home Sales Increased in August
Finished Chicago Marathon over the weekend.
Back from Berlin
Divided Fed cuts rates.
Registered LA Marathon for 2020.
Three Things Affecting Home Loan Rates Today
What's our goal?
Should I run next year's Boston Marathon?
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The interest rates will not go much lower for the next a few months, until next Fed Rate cuts
Global Pain, Bonds Gain
Interest rate did not get lower
My SF Marathon Experience
New loan program for rentals?
As expected, our interest rate is 0.1% higher for the refinance
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What will we expect for the home rates -- Volatility. Long, boring and complacent sideways trading patterns
Updated the Books List
Started training for Berlin Marathon
Financial markets are fully expecting a rate cut at the July 31 meeting.
Fed will lower the rate in July
85% chance of Rate Cut in July
The Fed Opens the door -- The question is : would you wait?
Why did the 10-year Note yield drop so much but home loan rates didn't?
Fixed to ARM rates?
Markets not seeing US/China trade fix soon
Refinance rate will be higher starting next month
Trade and Fed Minutes highlight the week
Close a lot of loans
Back to work as normal
Vancouver Marathon this weekend
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The unemployment line is shortest in 50 years
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Vacation for the first half of year over
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The rate is lower again.
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Refinance a 30 yr fixed to ARMs?
How do calm financial markets help housing?
Real Estate Markets in Tech Hubs?
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QE Again in 2020?
Interest rates don't buy houses, jobs do!
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Call it a productive week.
Reading and running updates
All we need is just a little patience -- There is now a low probability for another hike in 2019.
The adult daughter is struggling financially. Should they give her money?
Up to 10 financed properties, for out of state loans etc
Las Vegas loan was approved
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An Expert's Guide to the 2019 Housing Market
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Please check with me for the market rates -- Much much lower now
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The most important thing -- 3
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Refinance rate is not that bad
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Fed Rates after 2000.
Resist the temptation
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The Fed Decision and the mortgage rate risks
Will plan to write a few articles
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Give up one habbit and adopt another one
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Mortgage Training and the industry updates
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Just Registered one more Marathon
Life back to Normal
Shortage of housing inventory
Actually rate updates after almost one month
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How to be successful?
ARM rate still popular
Did I get it right?
Will Disney's Iger retire soon?
Do we pick our clients?
3x(5/1ARM w extra payments) the same as 15 yr fixed 2.875%?
147 minutes vs 139 minutes -- is your red face worth it?
Diversification For Stress Management
Warren Buffett's "The Bet"
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If you had a do-over, what would you do differently to prepare for retirement?
Difference between dream and goal.
Rate updates for April 24, 2017
Rate went up a little bit today(April 21st)
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The rate is even better today
Why millennials may finally be ready for homeownership -- ZT
It might be easier with a story
Some builders' rates are high
Rate is lower again.
Wow. That's not good.
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Special ARM program
The rate went up again
Rate is higher again(March 8)
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Should Apple buy Fannie Mae and Freddie Mac? An Snapchat's market CAP
Registered another Marathon(New York City)
ARM Interest Rate went up today.
Extremely Busy the last a few days
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We do not match the rate
BOFA stock will go up?
8 Weeks away from Boston Marathon
Why wait till the last minute?
The best Rate locking strategy and The best investment
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Today's hot products is 5/1 ARM 2.875%
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Some Niche Markets -- Please read
Some thoughts after Marathon Trainings
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The interest rate will be stuck in the current trading range
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Why we need more loan documents now?
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Happy Holidays -- 2016
Let's try 10/1 ARM
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Finish another Marathon this weekend.
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If the history repeats
Money can buy happiness
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The interest Rate should see a reversal of trends
What an election day.
Election is finally over
More Niche Market, Interest Rate and The Election
RSU Income can be used to qualify loans
ARM Rate reset and refinance
Should I take this business?
The interest rate went up a little bit today. BUt it should go down a little bit in the next a few days.
Decline in mobility
Will the interest go up?
Rate trend in the next a few days/weeks
Portfolio Retention of ARMs Increased in 2Q16 -- ZT
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Conforming loan limits increase, Fed Meetings and interest rates
Small BIG changes?
Interest rate went up a little bit(Sep 13th, 2016)
Future Rates Prediction?
Summer is over(Sep 2016)
Good thing when you get all the business?
The rate is "still" within the trading range.
The (working) harder the better?
A little bit rate changes
The rate at the same level of Friday
It's a beautiful day.
Life back to Normal, Will update the rate Monday
One more Marathon finished
3 Marathons within 80 days, and the interest rates
Too many things need to catch up
The Jumbo Interest rate went up
Sorry. Took a long vacation out.
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4 Reasons to Refinance
Life is good, Yeah.
Not sure about any lower rates, but everything is possible
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Can not believe it.
One good rate today is 15 yr fixed for 2.75%
The rate is getting better(March 29Th, 2016)
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Why we need to listen to others first?
Should I try this niche market?
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right and wrong way of thinking
Never too late for the learning
Enjoy little moment of happiness
Why would I do that?
Is it the payment the same?Maybe not.
Very tricky for some rates
Rate was supposed to be lower.
Interest Rates lower again -- Feb 2nd 2016
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What is my goal?
Another good year or bad year?
Hot loan programs
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Lower Interest Rates for the new Year?
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Qualified for the 2017 Boston Marathon
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Too good to be true?
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Do we have the same rates from the same lender?
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Another loan scenario. You may benefit from this case
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Another good sign for us economy (or at least for the builder)?
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Fed says economy improving; September rate hike in view
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Human makes Human Mistakes
Yes, the rate sheet is correct
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Rate went up again?
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Rate kept going up.
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Ready for a morning Run?
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10/1 ARM rate is good.
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Had a good Half Marathon this Weekend.
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The stock market is ugly?
The mortgage rate not changed much
Be careful with those crooks.
The interest rate higher
The rate was surprisingly higher today
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Why I promote 10 Yr fixed Rental
ARM rate does not change. And will not go lower
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Very good High Balance/Jumbo Rates programs(Even Cash-out)
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More Blogs During Tapering time?
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The rate went up a little bit, what should we do?
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Sometimes numbers are useless
Less is more?
How can we tell the the rate trends?
Please help support Amy's first Charity Marathon
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Changes on my website
Low 3/1 ARM rate
I am working on my website now
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Do you like to be a "Good Friend"?
Disputes on Credit Reports
World Cup was finally over
7/1 ARM 3.125%
Half of 1 Year passed for 2014
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Stay on the course.
1/2 + 1/2 = 1? or 30 + 30 = 60?
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Interest Rates went up
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Rate Trends and My Half/Full Marathon training
Social Network makes the loan closing easier
Follow the plans
RE News updates
Some good rates today
Please don't forget to register to Vote. Deadline is May 19th, 2014
10 Yr fixed 2.875%
Why we need god planning?
Rate is slightly better.
Sany Sends his love to Jamie?
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There is no short cut.
This is my loan, and also yours
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Planning early is a good habit
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Challenge myself again, but...
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Try your best to stop SCA-5
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How to execution your plan?
We Could not PR every race.
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Too early for the planning?
Have a peaceful mind
Can not believe it's Feburary
Some ARM rates are not bad
The rate went up slightly
How do we read the news?
Is this the beginning of a trend?
2013 Investment Part 2 -- Readings
Not always having a good hands
Been there, done that.
How we started the year.
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My Understanding of QE Tapering.
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Jumbo Rental, Interest Rate and garage conversion without permit
Finished my 1st Marathon Sunday Dec 8th.
The interest rate went up again on the news of tapering(again)
The rate went up a little bit today after the holiday
Qualified Mortgage(QM) Rule
Better with even a little bit progress
Interest Rate went up slightly yesterday
20% down Rental Loan
Recorded Radio Shows?
Naked Run today
We don't want to be just "nice"
Learn from The mentors
New York Marathon Today
The rate is a little bit higher
Finished 18 mile run today.
Rate still stay at the same level
No major news today
The rate continued the lower trend
Rate is lower
We are not on the wrong direction
5 Things Super Successful People Do Before 8 AM
Are the rate 4.5% and rate 4.5% the same?
Sorry, I forgot your name.
Am I serious runner?
Rogers told investors to be cautious in the next 2-3 years
I made John a day
Old dog learnt new tricks
The Rate Trend Explanation because of the shutdown
Never Give up.
Listen to your body and yourself
Better plan earlier
The rate was a little bit lower
The rate is on the down trend of getting better
The Rate Trend after Wednesday's FOMC Meetings
Mortgage Rate should go lower as a new trend
What will we expect the rate?
Is gossip good?
Random thoughts about the mortgage rates and the industry
What we should do when business is slow
Life with higher interest rates
We all have unlimited potentials
Lender Loosened Underwriting Standards too quickly?
Rate, Stock Market, etc.
Industry News Updates -- August 22,2013
Back from the Vacation(A wonderful one).
The interest rate is up again
The Interest Rate went up again Tuesday Aug 13th
What's teh interest rate level for the past a few years?
August 3rd Weekend Review
Harp LTV is up to 150% now
RE Market updates
Gold Price will go up if
Fixed rate better. ARM rate stay the same
Rate a little bit lower.
What you should do for a smooth mortgage transaction
Getting Down to the Basics
What kind of service we expect and deserve
Interest rate was higher again
Free Insurance Reviews
Have a spectacular & fun 4th of July!
Monthly Review of June 2013
30 Minutes longer enough, 3000 hours too short
The rate continue improving
Finally there is a sign the rate could be better
The interest rate goes higher again
What Dogs Saw
Interest Rate went up too much and too fast
The Cheaper The better?
Fed Meeting This week
An email from a friend.
Basic Info about Insurance
Why I would start my insurance business(Part I)?
Is Free Service the Trend?
Bunch of good news and some bad news
CNET founder Halsey Minor files for bankruptcy
Will the rate goes lower from here
Why I don't invest on Commercial RE now
Why the interest rate went up so high?
The more the better?
QE tapering or not?
Sharpen The Saw(s)
Bonds selloff holds
Ordered 4 more books
May is a friend visting month.
Condo 15 Yr Rates a little bit lower
The Grass is always greener on the other side
How can we do better ?
"Dumbest" Mistake #5: Doing $10.00 an Hour
Why lenders are all "bad"?
Money is not everything
Good Agents are always wanted.
Let's do the Math.
ARM Rental Rate getting better
Another record high day
The rate hit the short term buttom
You got questions, I have Answers (Rental Refi)
Rate did not break the support level yet
The Top Priorities
Real Estate Market in The Bayarea and Sacramento
Weekly Review(March 24)
The rate is slightly better
ARM Lower, fixed higher
It is a dull market
Rate trend and updates
A productive weekend
Long term investment
The rate was higher on job data
Rate Trend after Sequester
Stock Market and Mortgage Rates
The rate is getting a little bit better today
How to design your own investment?
Weekly Review(Feb 18th).
Following Mr. Buffett
Mortgage Rates this week
What is a good agent?
The rate is finally back a little bit.
Bonds, Stock needs a direction
The stock is lower as expected
Super Bowl Day
Take two steps forward and one step back
The interest rate went higher again
Weekend review(Jan 27th)
Shortsale Owners can get loans now
Wake up Call, will the rate go up?
Closing Cost Rental Refis and Rate Trend
Weekend Review(Jan 12)
Follow the trend and listen to your heart(body)
Happy Birthday, Elvis.
First Week of 2013
Why Warren Buffett Does Not investment in Facebook
The rate is higher these two days
My Investment for the Year 2012 -- Part 4 -- Stocks
My Investment for the Year 2012 -- Part 3 -- Reading
My Investment for the Year 2012 -- Part 2 -- Business
My Investment for the Year 2012 -- Part 1 -- Running
Push for Cheaper Credit Hits Wall -- from wsj.com
What do we learn from Experts
Are you ready for Christmas Rally?
30 Yr fixed higher, 15 yr fixed rate stay low
Fed to Keep Rates Low as Long as Unemployment Rate above 6.5%
The interest rate still in the trading range
The investment mistakes we made
How we are doing
Property Flipping Waiver Extension
I have 3.375% 30 yr fixed for high balance loans for anyone today
Rates Will Rise Someday, So How Do You Get Ready?
Rain or Shine, Run.
How to apply a loan when identy theft happens
Heading to the Month of December
My Rates & Market Rates
Black Friday Sale.
Rate might be getting better after Thanksgiving
Nothing can stop us., we raced in the rain today
You Got Questions, I have Answers(Nov 15, 2012)
Other's Opinion about the rates
Happy Veteran's Day
Proposition 30 and More
Don't be panic
NYC Marathon Cancelled
Read this Blog if you are Yangzhou High School Alumni or From Yangzhou
Bond market will be closed because of "Sandy"
The Energy Bus
When bad news is not bad
Some Lenders are asking Waiting Period of 240 days
QE3, Stock Market, Rate
One thing at a time
When Bad News is not Bad News
Find your focus, Master Distraction and Get the Right Things Done.
Some Interesting Road Signs
Are we lost?
The rate trend & updates
Going back to something is harder than you think
Build Up your own Confidence Level.
The Terrific Race Today
Please read if you have Schwab HELOC before
Don't attach to "It"
G-fees kicked in for some lenders
Lower Trading Coupon is available
G-fees will kick-in soon
Two Goddess in your heart
The Day is comming(ARM to fixed)
Follow the trend
The rate continues Lower
The possibility of 2.5% for 15 yr fixed(no closing cost)
I will accept loan applications for lower rates.
Fed QE3 will affect the interest rate --> Lower
Pareto's 80-20 Law
This is another kind of respect
What do we learn from the mentors?
Industry updates(Sep 4, 2012)
The Power of Small(improvement)
Industry updates, Failed Loans, Rates, etc
what you see might not be real
Show us the numbers
Wealth of Knowledge
Price it right -- August 23, 2012
Simplicity of Life
Mortgage Rate Trends, industry updates
You don't have to prove to anyone
Crisis of Confidence
Recent Mortgage Rates
Why Wells Fargo Exit the wholesale Market
Rate Trend and current 30 Yr fixed Rates
Where Are the Move-Up Home Buyers?
Can I get my friend's rate? -- Question from a client.
Weekend Reviews(July 29th, 2012)
0.04 secs difference and 1 minute faster
It's a beautiful day, is not it?
The crying wolf is coming.
My Promotion rates will be over soon.
It's not just a tax return.
The Little details can make a big difference
The days are coming
Quarterly Review(Q2 2012)
Another Strategy for Purchase Contract
No Refi is another Option.
Happy Father's Day
Positive attitude or negative attitude
This is just an option
How to communicate with me
2% of 30 Yr fixed Rate?
You got questions, I have Answers-- Multiple Loans
The rate is lower again
Rock, Pebbles and Sand (Part II)
Rock, Pebbles and Sand (Part I)
What's my goal?
Process makes the difference
It's a good Strategy, Indeed
HARP III updates
Jamie, You let me down!!!
The Power of Habit
You Got Questions, I have Anserws(Refi at Lower Rates)
You Got Questions, I Have Answers(Cash-offer)
Titles for the Mortgage Professionals
HARP Updates -- More Appraisal Waivers after April 29th
Two Stories about investment
Interest Mortgage/REO Data Analysis
Be Patient. No worry about the Value.
HARP 3.0: Non GSE Loans? -- ZTEd
I helped my client make up his mind
Try something new with HARP
A little bit better credit score can help the rates
HELOC will affect your Refi too
What's your best Interest?
No Need to Maximize the Return
More News about the Mortgage
Refinance for those who has recent foreclosure
Own it or rent it.
Just completed March 2012 Newsletter
It is crazy. Is not it?
Crying Wolf again?
HARP II Fannie Mae Updates(March 19th)
HARP II Updates
Interest Rates broke out the resistence level.
Fredie Mac HARPII Updates & ARM Rates lower
Wow. 20 Yr fixed Rate below 3.5% now
Some interesting Guideline Changes from the lender
15 Yr fixed Rate & 10 Yr fixed Rates still good.
HARP Updates -- Unlimited LTV
Dots got connected.
Ebrace the changes, change for the better
Another HARP II Loan. You will be amazed by the rate
My Recent Failed Loans
What a Day(of Closing)
Is not it Good or Bad?
The interest rate went up.
Smarter on Mortgages: B of A or Wells? --ZTed
Dilemma as a Loan Agent
Interesting for the rate trend
Long Term Goal
Different Clients for Different Agents
10 Yr fixed 3% for loan amount 265k.
A Good Start. Just Keep Doing It.
The end of ARM Era
CITI Exit the wholesale market
HARP II Loans are closing
Lower 15 yr fixed rate possible.
Disppointed stock market changes the loan needs
Why ARM trend is differnt from Fixed Rates?
Special promotion: 15 Yr fixed rate 3.0% with no closing cost
In the name of the clients
Learn from the expert
Q &A about G-fees and How this affect your interest rates.
More News for the Industry
WFC or BAC
Help those really needed
10/1 ARM 3.375% & HARP II updates
Got a call from the lender Friday
some lenders will start increase the interest rate by 0.125%
Interest Rate after the New Year
Some thoughts about the rates for the new year
Happy New Year and My New Year Resolution
Rumors with the higher interests rates in 2012
Loans expected delayed
3.625% for 30 yr fixed is officially here
Mr. Bernanke Refinanced twice recently -- ZTed
No significant changes for the rates
Nothing new for the rates
1st lender reported 3.625% rate.
We need make the right decision.
3.0% target reached today(10 Yr fixed)
I have very good rental 5/1ARM loan
Some other kinds of RE investors
A Different Kind of Business Model
It's Official. One milestone Reached.
First HELOC loan after 4 Years
New Opinion about the interest Rates
The fixed interest rate back to the best levels
Happy Black Friday
One shoe is dropping
Explanation of the loan limit
Think as the Professionals Do
Why do we have so many problems in the industry?
Detail of HARP 2.0
High Balance Loan Limit Unchanged. $625,500 for Bayarea
I don't have crystal balls
What other borrowers do for the refinance?
Other Industries needs agents too.
MBS Underperforming Treasuries This AM
A bill is moving through Congress to restore the GSE loan limit to $729,750
Some lenders have higher rate after high volume locks
It's a traders' market
RE Investment Strategy
Summary of HARP 2.0
Senate Passes Measure to Restore Higher GSE Loan Limits
Fed's policy about the rates
What is the best rate?
The rate is "better"
the Mortgage Bankers Association (MBA) released its outlook for the housing and mortgage markets in 2012
Interest Rate is on the down trend again
why the interest rate goes up?
How to manage the rentals?
What will we do if we had "minor inflation"?
How Steve Jobs Influcenced Mortgage Technology
It is ok to wait the rate. But.
Loan program Rotation
What's the difference between 4506 and 4506t form -- Knowledge Base.
That's the trading Market
The rate goes higher
Not Just a Rate
My September newsletter is available.
15 Yr fixed have lower Trading Coupons
Some basic strategy for the refinance
Yes. We made it.
You got questions, I have Answers(09/19/2011)
Don't know that we did not know
The "Notable" lender for Q2 of 2011
Loan Limits change after Oct 1st
A New Trend
Wait or Refi now
Loan Transactions for My clients.
History low rates?
Why we can not do some loans?
Why Not Lower Interest Rates Yet. -- Repost
It's a busy week. And Happy Labor Day.
Rates a little bit higher. Ony 15 yr fixed worth Refi
Different opinions about the rates
Weekend Review(August 27,2011)
Higher Rate did not tell the truth
Another Refinance Stimulus?
The Rate heading higher
The rate went up a little bit today Monday August 22nd
If History Repeats Itself
Me 2 Strategy
Remind: Higher Balance Loan needs to be registered next week
Why some rates are not lower?
The History low rates
I did not blog that much recently
Digital signature for purchase contract
15 Yr fixed will hit the bottom soon?
Now or the future
Mortgage Rates -- Letter to My Clients
Two Reasons for the rate going up
20 Yr fixed best rates 3.75%.
Market is volatile
Interest Rate trend
Rates & Rates
It's bloody on the Wallstreet
Be careful with the rate locks
Rate trend and loan application practice
The rate was lower as expected
It's none Debt Ceiling's Business
The stock market is down
Two Asset Accounts may be the right way
Which one is better, cash-offer or with loans
Value Problems and the Rates
Tuesday with Morrie
The rate is very volatile today
How I picked my Tenants
When do we referral?
Any Hope for Extending the GSE Loan Limits?
Introducing 10/1 ARM Conforming
Be Different In the Market
Time for Silver?
July 13th Rate
No Waiting Periods for cash-out loans now
Strong Resistance at current level.
Fixed Rate better. No PMI with LTV over 80%.
What do we learn from Ric Delman?
Why the rate is not getting better today?
Follow the market trend
What should we do when the rate is up
Why Loans Failed Sometimes
Low Appraisal value, good or bad?
I would recommend to lock the rate at the current level
Why ARM rates not going lower?
One small victory for the complaints against the appraiser
Rate not down as expected
Rate is still range trading
Rental Rates will be available starting Monday
The Rate, and boring Rate
Good sign for the rates today
You Got Questions, I have Answers(June 14th)
The rate went up today on the retail news
Changes, Not just the Mortgage Industry
Life is a seesaw, balance it.
ARM higher, Fixed lower
What do we learn from Kun-Fu Panda?
ARM Rate is up
Good Agents are always needed -- Realtor
Lender is busy too
Jumbo Rate Updates(Loan up to 2 million)
My Jumbo Rate Explanation
The power of small
You Got Questions, I have answers(May 18,2011)
Stock will go lower.
Weekend Review(May 15, 2011)
What do we learn from Cisco News?
Impounds with Provident Funding
Investors will be more interested in Fixed Rate Programs
Thanks for the referals
The rate might go down too much for the next a few ...
A little bit clarification about the rate
ARM will hit bottom. Fixed lower
Glad to see the rates stable. ARM lower
Can I have better rate? -- Email from a Prospect
What the Dog Saw
30 Yr fixed may go as lower as 4.375%
Where will ARM rates go?
cash-out loan refi
Mortgage Weekend Reviews(April 24,2011)
Assets Statement to the Lender.
Lower ARM rates or lower fixed rates?
The rate drop may puase a little bit
ARM Rate lower. 2.625% for Impound or LTV <=60%
Weekend Review(April 17th, 2011).
Never Eat Alone
Stop Loss in Invsetment
Mortgage Rate a little bit following stock sell-off
Weekly Mortgage Summary
How do we check the rate(roughly) from yahoo?
Government Shutdown Could Lead to Lower Mortgage Rates -- ZT
The Rate Prediction for the past 3 months and future rates
Refi or Not Refi, that's a question.
The mortgage rate & house price
Interest Floating Down Ploicy -- Explanation again
Which Investment is more Important
The mortgage rate is waiting for direction
The rate trend(week of March 20th)
The most akward thing for a loan Originator
The rate may rebound a little bit
Not that hurry for a refi
The rate may hit the resistence level
Bill Gross's position on long term Treasury Bonds
How the other Investors Do?
Investment is Simple
Provident Funding(Lender) changes for better.
Weekend Mortgage Report
How much rate lower can 1 points buyer?-- Knowledge Base
Your Got Questions. I have Answers. -- 5/1ARM
You Got Questions, I have Answers -- 4506t, Tax Returns & K1 Schedule
The rate stuck in the lower range
Teamwork(Assembley line) or not?
An Email from Prospects -- Rate difference for condo
The rate is going short term lowest
Happy Presidents Day!!
Mortgage Activity for the past Week
Too Big To Fail?
The rate back up again
The rate overall better while the stock market is up
Once a cash-out, always a cash-out?
Why I don't sell houses. -- Will be completed later today
Purchase Loan closed this week
Expert's Opinion about the rates
You got questions, I have answers -- 30 yr fixed switch to 15 yr fixed
Why I don't worry about too much about the rates
Tax Return, More Than 5 properties, & The rates
Why we should work with experts
Are professionals supposed to be smarter?
The Rate is going up today
You got your questions, I have Answers -- How soon can I get a loan after foreclosure
Good Time to Purchase?
Hard got paidoff
Price it Right
mortgage industry welcome the corrections like today
One person's loss, another's gain
Let's hope for Feburary
15 Yr fixed is the "enemy" of your RE Investment Goal
You got questions, I have Answers -- 5 to 10 Financed Properties
More Industry Changes Starting This Week
HOA with (minor) litigation is OK now
I just published the Jan Newsletter
A day I can not forget -- Anniversary as a fulltime mortgage broker
We will work as a team.
The rate went up later today
The rate is getting a little bit better
Letter to One Client -- Cash-out on Rentals
Sharpen The Saw
Focus on the big picture
The Rate is at the "comfortable" zone.
ARM Calculation Expalanation.
The retail number & The Job Report
How much Insurance Do you Need?
Thank you guys for all the trust
I have very good 10/1ARM
Observation after the New Year
Message to Home Buyers
The Mortgage Rate Updates
Why Rates are Different for REOs
You Got Questions, I have Answers -- Loan Docs To Keep
The rate Trend for the coming year
The rate is getting better today
Recent reports on T-Bonds
Some encouraging sign of the bond market
The professionals can make it Difference.
Revews My Posts after Black Wednesday of 2009
Your Got Questions, I have answers -- Rate Trend
Stratigies when the rate is higher -- Answers to the blog comments
Be the Expert in the industry.
Fed QEII efforts. Does it work?
Fed Started the QEII purchasing
The higher the rates, the bigger the rate drops(in the future)
Changing jobs or Travel while refinancing
What the current market tells us
The rate is at the short term top now.
The rate broke the support level
The begnning of a trend of lower rates
Mr Ben on CBS 60 minutes
How to work with me for the loans
A little bit thoughts about the market
Don't panic. Be patient.
Right Products for Right Persons
The rate is moving to the writing direction
The trend is our friend
Some Strategies for Purchase & Purchase Loans
You got questions, I have answers(Nov 19th) -- Credit Scores
Refinance of small loans
You can make the difference
The interest rate is at short term peak now.
The damange of today's bond selloff
It's crazy. Is not it?The rate is up again
My Loan Origination Style
The rate inched higher again. Will go lower next week.
The rate inched up a little bit after QEII
Loans for More Than 4 financed properties
Amtrust Loan Issues
rate a little bit higher today
You got questions, I have answers(Nov 4th) -- rate trend
You got questions, I have answers(Nov 4th) -- cash-out loan problem
It's the same story again.
Explanation of Fed 600B QEII
Another example of selling on news
Market is awaiting Fed QEII. 30 Yr high-balance with better rates
You Got Questions, I Have Answers(Nov 2, 2010)
Trick or Treat
Right Strategy is more important
A smart way of doing business.
Bills Gross talks, the Market listens -- Why the rate goes up today?
Bills Gross talks, the Market listens
You should be happy when you did not get the lowest rate
Similar trend recently
Be Carefule with the Appraisal Values
I updated my rate trend analysis & Oct Newsletter
Survey -- For those who has 30 yr fixed loan
My rate Explanation
Think beyond the current market
You requested, We listened.
More about QE2
An easy way to check whether the rate is up or down
Don't fight with the Fed
Shoud we change service provider or not?
Rate still test the trade range. Normal bounce after hits low last week
The bond market closed today. So there is no rate sheet today.
Lender Turn Around times
Rate Rotation, Rate Correction & Rate Prediction
Sometimes ARM is better for Rentals
Market is betting on QE2
What's QE2? How does it affect Mortgage Rates
The mortgage rate expectation.
New Appraisal Issues
Loan Limits of 729k extended for one more year
Sometimes we need courage to predict the rates
Have some special promotion for loans<=417k.
A Letter from UK -- How foreigned income will be used for loan qualification
729,750 Limit expected to extend for one more year.
Some Explanation about My Rates
Typical day for the rates at top/bottom pattern.
Refinance with the property in Trust
Your Got Questions, I have answes(Sep 20, 2010)--Rate Re-lock
My September newsletter was just published
How reported rental income affects the loan qualification?
DTI increased to 50% for most loans
Rate inched a little bit higher Wednesday and Today
I am on the floating boat now
The future Blog Articles
The Rate Trend
Two opinions about the mortgage rates
Remodelling House Refi is ok
You got questions, I have answers(Sep 7, 2010)
GSE loans' interest rate will be reduced to 4% automatically?
All Signs Point to Higher Rates in Week Ahead
You can not get a loan until the remodelling done
I like technologies.
How the withdraw troops from Iraq affect the mortgage rates?
Communication with your broker or me
Back to the old days/ways
You got questions, I have answers(August 31,2010)
The rate went up a little bit today
You got questions, I have answers(August 26, 2010)
Complete Package Required By Lenders
My August Newletter and Rate Trend Analysis was just out.
Explanation about the ARM rate change on GFE.
Bonds rally, but not MBS
2nd Loan vs rental
The interest rate is a little bit higher today
why we recommend to lock the rates?
A few true stories about refi
Bond market & stock diverge
HELOC with your rental property
Deflation or inflation?
WSJ: Fed Considering Resumption of MBS Purchase Program
It's all about Rates and Jobs -- ZT
Finannly I can focus on the loans again.
What we should do if the rate is lower
Rate Re-lock & Floating Down
Today's bond auction
Congress Set to Extend GSE Loan Limits at $729K
My July Newsletter was out
You got questions, I have answers(July 24, 2010)
Passed the National Mortgage Test
Rate a little bit higher today. Still at the lowest level
Sorry for not being able to updates the rates recently
How do we "love" those appraisers?
How to "Create" Refinance Opportunities
The rate trends
Please close the loan first
Why we can not get better rates even Bond rallying?
Loan Process Updates -- For My clients
How to lock a purchase loan?
some lenders increase the rate this afternoon
The rate is lower. Please lock longer term.
Special Promotions for Rental
You got questions, I have Answers(June 20th, 2010)
Most of CA First-Time Credit Claimed
You got questions, I have answers(June 16th)
Short Term Rate Trend(June 15th)
You Got Questions, I have Answers(June 12th, 2010)
What are the "hot" loan programs?
It's the closing time
You Got questions, I have the answers(May 29, 2010)
Good people is always wanted
Why the ARM rate not going lower recently.
My Opinion of the ARM Rates
Very interesting for the interest rate
The current Loan Process
The value of A Loan Agent
Why I did not price aggressive on some of my rates?
Rate lock and basic commitment
The rate is at the lowest level of this year
Weekend Review(May 2 - May 8)
Recommended to lock the rate now
6 month ownership for new purchases for loans over 417k
The current interest Rate
The rate today
Fannie Tightens ARM Standards
Advantage of cash Offer for Rental Properties
Rate Trend and the Trading Range
Homebuyers Tax Credit(Fed $8000) Expires This Week!
My April Newsletter is out
We know it is coming
How is my service?
You may consider to postpone your loan closing to May
Weekly Review(April 9th, 2009)
How $0 balance HELOC affect your purchase or Refinance?
The same old story again
MBS market without Fed
what's the current rate trend?
You Got Questions, I have Answers -- Which Loan Program should I use
Float into next week
What should we do aftert yesterday's Rate Jump?
Rate First Big Jump day in the last three months
Back from Vacation, Will work on the news letter and Rate Trend Analysis
You Got Questions, I have Answers(V)
I will be away for a week. Please contact with me by email
What's the rate trend for the short term, long term?
You Got Questions, I have answers(IV)
Market is waiting for better 30 yr fixed rates
A HELOC story
Obama HRAP Refi extended for one more year
Economic News This Week
Weekly Review(Feb 26)
Rate Lock Recommendation & why the rates are different for same program?
Interest Rate after Fed Rate "Hike" last Thursday
My Websites Updates
The new GFE process is getting better
You Got Questions, I have answers(IV)-- Closing Costs.
Valentine's day, Commitment & Rate Locks
RESPA 2010 Updated
You got questions, I have answers(3) -- Why I think 10/1ARM Better
some recent changes for Rental Properties
RESPA 2010 -- To be Continuted
How the lender price their rates?
Non-recurring closing cost
ARM rotation starts again
We can do Freddie Mac LTV 95% loans
what shall we do when the rate is high?
Lock the rate if you can
How "Landlord experience" affects your loan qualification?
15 yr fixed rate back to 4.25%; 30 yr fixed back to 4.875%.
Mortgage Rate a little bit better
Will we get the confirmation tomorrow?
Some other issue may affect your loan closing
The rate is only slightly better.
We will get 4.875% soon
How can we do better?
Good Agents are always needed
FOMC minutes Hints at MBS Purchase Program Extension.
Organization Changes and Industry Changes in 2010
The bottle is still half empty
First Rate Report in 2010
RESPA 2010 -- Starting Jan 1, 2010
There is a will, there is a way
Reasonable Rates, Reasonal Expectation
We may see the rate reversal as early as tomorrow
What does 1 yr LIBOR index tell us?
To My Clients with TBW(Cenlar) loans.
Fannie Guideline Changes for Condos
Rate for this week and the Rumor
Why the lender's mortgage rates change even though the bond does not change?
Why the Rate Difference & How we should lock the rates.
Mortgage Industry Updates(12/12/2009)
The Collapse of Amtrust
Life is back to normal
You got questions, We have answers (2)
We don't have to be an "outlier"
We are in anotherc around of rotation again.
It's so good to be home.
Fraud Alert Check for Rental Properties
Short Term Mortgage Rate Trend
Condo Rate explanations
In Fed, We Trust
Explanation for the "Prediction" of low ARM rates
ARM rate will go lower in Novernment
Freddie Mac Relief Refinance Open Access program(LTV<=125%)
Read this if you do refi for two or more properties at the same time
You got questions, we have answers
How to work with your agent effectively?
We are not just working on the loans
I should not say the rate will go up yesterday
We may see the trend reversal here
Strong resistance at the current rate level
Rate may go lower, so is the appraisal value
When mortgage is not just a mortgage
ARM Rate is much better
The current mortgage rate
The spreads between 15 yr fixed and 30 yr fixed larger than expected
Where should the rate go?
Mortgage Mortket Weekly Updates
No refi is also an option
My Septemeber Newsletter was out
Assets Explanation For Purchase or Refi loans
No Waiting Period for Purchase after the close?
Escrow Account required for LTV >80% loans
Economic Calendar for the Week of September 07 - September 11
Summer is over
Have a Safe and Happy Labor Day Holiday--Read Story Inside
Rotation and Re-balance of Lenders' loan programs
The Rate Lock is not Free.
The housing industry is about to fall off the cliff again -- For Your Entertainment
Why we change the rates a few times everyday?
There is a Berlin wall between 4.875% and 5%(30 Yr fixed)
Portability of Appraisals
Economy Events for the week of August 24th
Open Interest in Bonds push the rates lower
How to get the cash-out from the REO property you just purchased with cash?
My Monthly August News Letter Was Out
Cash-out Refi for the property just purchased
You can rate my service now
Post FOMC Meeting Statement
A good and saver investment?
Economic Events for the week of August 10th.
The review of HVCC -- 3 months after the implementation!
U.S. Citizen Working Abroad are Eligible for loans Now
HVCC, HERA, and New TIL Regulation -- ZT
We need to adjust our target
Is the lowest rate locked the best Rate?
GFE for purchase
One major lender TBW failed today.
Things to Know Before Buying a House
The bottle is half empty
Regulation Z will start July 30th, It will affect your closing.
The Auction brings pressure on the mortgage rates
What should you do before purchasing a house?
YSPs Under Fire in New Fed Rule -- ZT
How Reg Z Disclosure will affect your closing Date?
Economic Events for the week of July 20th
July monthly newsletter was just out.
Stock Rally hurts rates, but we will see reversal
Economic Events for the Weeks of July 13th.
Special -- 5/1ARM 4.625- 4.875%(Loan amount around 500k to 600k)
It's a confirmed !
Detached Condo Pricing is better(LTV>75%)
The rate will be a little bit better starting Wednesday July 8th
Week of July 6th.
Rate Prediction for 2nd half of 2009.
Explanation of 3/1ARM Jumbo Program.
Some stories for the failed purchase loans
HAPR Refi LTV expended to 125%.
729k Loans 5.375%
Changes urged to rules on condo loans--ZT
The (mortgage) market is trying to find new direction!
HVCC(Home Valuation Code of Conduct) Updates
Mortgage Industry Anxiously Awaiting Fed Statement
Mortgage Rates Waiting for FOMC
Obama wants to help more home owners to refi -- ZT
The rate is up again.
Why it's hard to get the "lowest" rate?
The next level is 5%
Common Mistakes for the First Time Home Buyers
We see the rate reversal sign from here
10 yr Bond resistent at 4%
The light at the end of the tunnel May brighten.
We Continue To Get Hammered
Friday is teh pivot day for the mortgage rates
Bond Market still volatile
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