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Refinance is only a small part of the financial planning
February 29th, 2020 1:16 PM by Eric Fang
Let's starting with a few stories. Hi, friends, since I did not mention your names, hopefully that would be ok.
Case 1, I closed on cash out refinance Nov of 2019. And we got the rate of 3.625% for 30 yr fixed. And it was a little bit high because of the cash-out loan, I indeed talked to the borrower about the reason. And he told me that we should have plenty opportunities in the stock market. And he needed more funds.
---> The rate is not that important, the opportunity is. I told him last week that he was smart
and he could refi a few months later with lower rates. And he could invest the money now.
Case 2, borrower did a purchase loan last year with 3.5% rate. We talked about options , whether he should go with 15 yr fixed 2.75%, etc. She told me she liked to have 15 yr fixed, but her son is still in college. Then I asked him to think about 10/1 ARM rate of 2.875%(APR 3.43%). But a bad rate for the 500k loan amount.
Case 3. Borrower has 3.25% 30 yr fixed, very good rate. Asked whether he need to do 15 yr fixed 2.75%. I told him that he did not have much of the benefits of tax deduction because of the new tax law. He should think about the big picture, like put more funds in the Roth IRA, 401k, 529 accounts. Or maybe think about the cash-out to use the funds wisely.
Case 4. I have lots of clients over 5-6 houses. Basically we grow together, they purchased lots of properties, and I got the good rates for them. And one client has 10 properties now.
And he cashed out two loans to get more funds, "for more opportunities". The rental refinance cash-out rate of 4% is cheap.
For non cash-out 15/1 ARM rental rate lowest rate is 3.5%(APR 3.76). Strongly recommend it for rentals(loan amount around 400k, LTV <=60%).
In one word, refinance can only save us a little money. But if we can handle it wisely, then your life would be different.
Posted by Eric Fang on February 29th, 2020 1:16 PM
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How we started the year.
7/1 ARM(Loan <=417k) rate up for the last a few days
Biggest Banks on Different Paths When It Comes to Mortgages -- ZT(Long)
15 Yr fixed Rental Refi is on the Rise
Customers are Easily satisfied
Life is good.
The Rate went up. And Happy Birthday, Eric
My Investment for the Year 2013 -- Part 1 -- Running
Save the last paystub
G-fee increase next Year.
My Understanding of QE Tapering.
How to get a good realtor?
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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