MBS RECAP: Fed Comments Tank Bonds in 9th Inning

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Posted to: MBS Commentary
Tuesday, February 28, 2017 6:38 PM

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Treasuries and MBS made it almost all the way through the day with very little drama. There were some ups and downs, but by 4pm, trading levels were very close to ‘unchanged’ on the day. Then newswires hit from NY Fed President Dudley:

• RTRS – FED’S DUDLEY: RATE HIKE LIKELY IN ‘RELATIVELY NEAR FUTURE’
• RTRS – FED’S DUDLEY: EXPECTS TO CONTINUE TO REMOVE ACCOMMODATION
• RTRS – FED’S DUDLEY: CASE FOR TIGHTENING IS NOW A LOT MORE COMPELLING -CNN
• RTRS – FED’S DUDLEY: LIKELY TO GET FISCAL STIMULUS; RISKS TO OUTLOOK LIKELY TILTED TO UPSIDE

It’s one thing for regional…

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More from MND:

• Mortgage Rate Watch: Mortgage Rates Modestly Higher Ahead of Trump Speech
• MND NewsWire: Spring Housing Already Overheating—Think 60 Offers on One House
• MND NewsWire: Cash, Distressed Sales Closing in on "Normal"
• MND NewsWire: Black Knight’s HPI Holds on to Late Year Gains
• MND NewsWire: Home Price Appreciation Highest in 30 Months -Case-Shiller

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Daily Newsletter: Spring Housing Already Overheating; Highest Appreciation in 30 Months; Rates Move Up

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30 Year Fixed 4.16% +0.01 15 Year Fixed 3.36% +0.01 10YR Treasury 2.40% +0.0304 FNMA 30YR 3.5 102.25 -0.23 FNMA 15YR 2.5 102.50 -0.31 View Today’s Rates

Tuesday February 28, 2017 MND NewsWire – 12:07PM Spring Housing Already Overheating—Think 60 Offers on One House The spring housing market started early this year, not because of higher-than-average temperatures but because of hotter-than-average demand and overheating home prices. This year may … Mortgage Rate Watch – 2:32PM Mortgage Rates Modestly Higher Ahead of Trump Speech Mortgage rates moved higher today in most cases, but not by much. More interesting is the fact that rates held their ground as well as they did considering several strong economic reports … MND NewsWire – 10:07AM Home Price Appreciation Highest in 30 Months -Case-Shiller Home prices accelerated their growth again in December. The S&P CoreLogic Case-Shiller U.S. National Home Price NSA Index, which covers all nine U.S. census divisions, rose by 5 … MND NewsWire – 10:11AM Cash, Distressed Sales Closing in on "Normal" The end is near. CoreLogic said today that the market share of home sales accounted for by distressed properties may return to normal levels by the end of this year. This is about a … Black Knight’s HPI Holds on to Late Year Gains Training and Events Ranging From Cybersecurity to Taking an App; ECOA Legal Opinion MBS Day Ahead: More Econ Data and "Month-End," But Trump Speech Looms Latest Video Markets stall ahead of Trump speech Consumer confidence at 114.8 in February Santelli Exchange: ‘Feel-good indices’ feel better More News from ‘Around the Web’ http://www.forbes.com – 4:22PM Amazon S3 Outage Has Broken A Large Chunk Of The Internet Market Watch – 3:44PM Fed’s Williams says there will be âserious consideration’ of interest rate hike at March meeting Market Watch – 2:57PM Trump tax plan, not even on drawing board, is already roiling rental housing http://www.npr.org – 2:07PM Trump May Weigh In On H-1B Visas, But Major Reform Depends On Congress Calculated Risk Blog – 1:32PM Real House Prices and Price-to-Rent Ratio in November http://www.redfin.com – 12:55PM Everything to Know About Buying a Home Without a Real Estate Agent blog.stewart.com – 11:01AM State Corporate Income Tax Rates http://www.wellsfargo.com – 11:00AM Wells Fargo Commits to Increase African American Homeownership Bloomberg – 10:12AM Why It’s So Hard to Build the Next Silicon Valley CNBC – 10:12AM Consumer confidence hits best level since July 2001 freddiemac.mwnewsroom.com – 9:19AM Freddie Mac February 2017 Outlook http://www.redfin.com – 9:19AM The Redfin Housing Demand Index Continued Record Climb in January Reuters – 9:19AM House Financial Services chairman sees Dodd-Frank reform this year Reuters – 8:06AM JPMorgan expects 2017 expenses to rise about 3.4 percent Bloomberg – 8:03AM March Hike Suddenly Real for Traders Ahead of Trump Speech Today’s Rates Best Execution Rate Change Current Mortgage Rates » What are best-execution rates? 30 Yr FRM 4.16% +0.01 15 Yr FRM 3.36% +0.01 FHA 30 Year Fixed 3.75% +0.00 Jumbo 30 Year Fixed 4.29% +0.02 5/1 Yr ARM 3.03% +0.00 Average Mortgage Rates Rate Points Change FHFA * 15 Yr. Fixed 3.06% 1.30 +0.03 30 Yr. Fixed 3.76% 1.38 +0.03 MBA ** 30 Yr. Fixed 4.41% 0.38 +0.13 15 Yr. Fixed 3.64% 0.34 +0.12 30 Yr. Jumbo 4.36% 0.26 +0.07 30 Yr. FHA 4.15% 0.29 +0.13 5/1 ARM 3.45% 0.26 +0.17 Freddie Mac ** Current Mortgage Rates » * FHFA averages are updated monthly. ** Mortgage Bankers Association (each Wednesday) and Freddie Mac (each Thursday) averages are updated weekly. 30 Yr. Fixed 4.16% 0.50 +0.01 15 Yr. Fixed 3.37% 0.50 +0.02 1 Yr. ARM 2.68% 0.20 +0.01 5/1 Yr. ARM 3.16% 0.40 -0.02 Secondary Markets MBS Price Change 30YR FNMA 3.0 99.06 -0.23 30YR FNMA 3.5 102.25 -0.23 30YR GNMA 3.0 100.80 -0.20 30YR GNMA 3.5 103.67 -0.13 15YR FNMA 3.0 102.50 -0.31 15YR FNMA 2.5 100.02 -0.19 Treasuries Yield Change Current MBS / Treasury Prices » MBS and Treasury data provided by Thomson Reuters. Mortgage News Daily and MBS Live! are exclusive re-distributors of Real Time Thomson Reuters Mortgage Information. Secondary Marketing Managers: If you are interested in gaining access to the most accurate real-time back-month TBA indications from Thomson Reuters and Tradeweb. Request More Information 2 YR 1.2640% +0.0637 5 YR 1.9376% +0.0708 10 YR 2.3971% +0.0304 30 YR 2.9976% +0.0182 Prices as of: 2/28/2017 5:06PM EST

This information is not an advertisement to extend consumer credit as defined by Section 226.2 of Regulation Z. This is not an offer to enter into an agreement regarding interest rates. The rates quoted do not include discount points, origination points, or loan level risk based price adjustments. Rates and terms are subject to change without notice. © 2017 Brown House Media, Inc. All rights reserved. Brown House Media Inc. – 19706 One Norman Blvd – Cornelius, NC 28031

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Daily Rate Update: Mortgage Rates Modestly Higher Ahead of Trump Speech

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30 Year Fixed 4.16% +0.01 15 Year Fixed 3.36% +0.01 10YR Treasury 2.40% +0.0304 FNMA 30YR 3.5 102.25 -0.23 FNMA 15YR 2.5 102.50 -0.31 View Today’s Rates

Mortgage Rates Modestly Higher Ahead of Trump Speech February 28, 2017 Mortgage rates moved higher today in most cases, but not by much. More interesting is the fact that rates held their ground as well as they did considering several strong economic reports this morning. Strong economic data typically leads investors to sell bonds, which in turn results in lower bond prices and higher rates. This morning’s dynamic was quite different. While the stronger economic data was briefly acknowledged with some temporary weakness in bonds, the broader trend remained favorable. Bonds actually improved a bit heading into the afternoon. If today’s rate sheets were based solely on this morning’s market movement, rates would be slightly lower compared to yesterday. But lenders still had to account for some of yesterday’s late day bond market weakness. Today’s modestly higher average rate is the net effect of this morning’s resilience and yesterday’s weakness. Investors are curious to hear what President Trump has to say at his “address of the joint session” tonight. This has the potential to kick off the next wave of momentum in rates–either back toward the higher end of 2017’s range or down into new lows for the year. Given that we’re already fairly close to recent lows, it’s a good time to lock for folks who don’t want to risk losing any money. Risk-takers would be justified in waiting to lock as long as they’re OK with locking at a loss tomorrow if things don’t go their way. Loan Originator Perspective With bond yields near recent lows, I think it is wise to look at locking today. Tonight’s Presidential Address to Congress has the potential to move rates one way or the other. Since this happens tonight, you wont have a chance to lock before any bad news for rates. Even if we get good news for rates, I am not sure we have much more room to improve so the risk outweighs the potential reward. –Victor Burek, Churchill Mortgage Today’s Best-Execution Rates 30YR FIXED – 4.125% FHA/VA – 3.75-4.25% 15 YEAR FIXED – 3.375-3.5% 5 YEAR ARMS – 2.75 – 3.25% depending on the lender Ongoing Lock/Float Considerations Rates had been trending higher since hitting all-time lows in early July, and exploded higher following the presidential election Some investors are increasingly worried/convinced that the decades-long trend toward lower rates has been permanently reversed, but such a conclusion would require YEARS to truly confirm With the incoming administration’s policies driving a large portion of upward rate momentum, mortgage rates will be hard-pressed to return to pre-election levels until well after Trump takes office. Rates can move for other reasons, but it would take something big and unexpected for rates to get back to pre-election levels. We’d need to see a sustained push back toward lower rates (something that lasts more than 3 days) before anything less than a cautious, lock-biased approach makes sense for all but the most risk-tolerant borrowers. As always, please keep in mind that the rates discussed generally refer to what we’ve termed ‘best-execution‘ (that is, the most frequently quoted, conforming, conventional 30yr fixed rate for top tier borrowers, based not only on the outright price, but also ‘bang-for-the-buck.’ Generally speaking, our best-execution rate tends to connote no origination or discount points–though this can vary–and tends to predict Freddie Mac’s weekly survey with high accuracy. It’s safe to assume that our best-ex rate is the more timely and accurate of the two due to Freddie’s once-a-week polling method). 30 Year Fixed Rate Mortgage 15 Year Fixed Rate Mortgage Co-branding this Report Enable co-branding to personalize this report with your business information here. Learn more about co-branding with NO competitor ads. Today’s Rates Best Execution Rate Change Current Mortgage Rates » What are best-execution rates? 30 Yr FRM 4.16% +0.01 15 Yr FRM 3.36% +0.01 FHA 30 Year Fixed 3.75% +0.00 Jumbo 30 Year Fixed 4.29% +0.02 5/1 Yr ARM 3.03% +0.00 Average Mortgage Rates Rate Points Change FHFA * 15 Yr. Fixed 3.06% 1.30 +0.03 30 Yr. Fixed 3.76% 1.38 +0.03 MBA ** 30 Yr. Fixed 4.41% 0.38 +0.13 15 Yr. Fixed 3.64% 0.34 +0.12 30 Yr. Jumbo 4.36% 0.26 +0.07 30 Yr. FHA 4.15% 0.29 +0.13 5/1 ARM 3.45% 0.26 +0.17 Freddie Mac ** Current Mortgage Rates » * FHFA averages are updated monthly. ** Mortgage Bankers Association (each Wednesday) and Freddie Mac (each Thursday) averages are updated weekly. 30 Yr. Fixed 4.16% 0.50 +0.01 15 Yr. Fixed 3.37% 0.50 +0.02 1 Yr. ARM 2.68% 0.20 +0.01 5/1 Yr. ARM 3.16% 0.40 -0.02 Secondary Markets MBS Price Change 30YR FNMA 3.0 99.06 -0.23 30YR FNMA 3.5 102.25 -0.23 30YR GNMA 3.0 100.80 -0.20 30YR GNMA 3.5 103.67 -0.13 15YR FNMA 3.0 102.50 -0.31 15YR FNMA 2.5 100.02 -0.19 Treasuries Yield Change Current MBS / Treasury Prices » MBS and Treasury data provided by Thomson Reuters. Mortgage News Daily and MBS Live! are exclusive re-distributors of Real Time Thomson Reuters Mortgage Information. Secondary Marketing Managers: If you are interested in gaining access to the most accurate real-time back-month TBA indications from Thomson Reuters and Tradeweb. Request More Information 2 YR 1.2640% +0.0637 5 YR 1.9376% +0.0708 10 YR 2.3971% +0.0304 30 YR 2.9976% +0.0182 Prices as of: 2/28/2017 5:06PM EST

About This Report Mortgage News Daily is a trusted source of mortgage rate market data and analysis, with over 1 million readers each month. Unlike many rate surveys, our survey is conducted on a daily basis and is designed to bring you the most current and accurate rate data available. We use a proprietary formula to calculate averages based on best-execution rates from top lender’s rate sheets, also taking into account feedback from hundreds of mortgage market professionals around the country.

© 2017 Brown House Media, Inc. All rights reserved. Brown House Media Inc. – 19706 One Norman Blvd – Cornelius, NC 28031

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This information is not an advertisement to extend consumer credit as defined by Section 226.2 of Regulation Z. This is not an offer to enter into an agreement regarding interest rates. The rates quoted do not include discount points, origination points, or loan level risk based price adjustments. Rates presented in this report are averages and are subject to change without notice. You were sent this email because you opted to receive our weekly or daily email reports. Go here to manage your email preferences or here to unsubscribe from all email communications.

Spring Housing Already Overheating—Think 60 Offers on One House

Posted to: MND NewsWire
Tuesday, February 28, 2017 11:13 AM

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The spring housing market started early this year, not because of higher-than-average temperatures but because of hotter-than-average demand and overheating home prices.

This year may be the starkest example of a post-recession reality that is redefining housing as we know it.

“This spring housing market is shaping up to be another doozy for homebuyers,” said Ralph McLaughlin, chief economist for home-listing website Trulia. “Housing affordability is the key to helping break yet another year of gridlocked inventory, but all signs are showing that homes this spring will be much less affordable…

(READ THE FULL POST)

More from MND:

• MND NewsWire: Cash, Distressed Sales Closing in on "Normal"
• MND NewsWire: Black Knight’s HPI Holds on to Late Year Gains
• MND NewsWire: Home Price Appreciation Highest in 30 Months -Case-Shiller
• Pipeline Press: Training and Events Ranging From Cybersecurity to Taking an App; ECOA Legal Opinion
• MBS Commentary: MBS Day Ahead: More Econ Data and "Month-End," But Trump Speech Looms

If you have trouble viewing this email, you can read the full post at http://www.mortgagenewsdaily.com/02282017_spring_housing_already_overheating_think_60_offers_on_one_house.asp

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Cash, Distressed Sales Closing in on “Normal”

Posted to: MND NewsWire
Monday, February 27, 2017 12:17 PM

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The end is near. CoreLogic said today that the market share of home sales accounted for by distressed properties may return to normal levels by the end of this year. This is about a half year earlier than the company had been predicting as recently as last month.

Distressed homes sales accounted for 7.5 percent of home sales in November with sales of bank-owned property (REO) accounting for 4.9 percent and short sales 2.6 percent. The total distressed property share was down 4.3 percent compared to November 2015 and was the lowest for any month since September 2007.

(READ THE FULL POST)

More from MND:

• MND NewsWire: Black Knight’s HPI Holds on to Late Year Gains
• MND NewsWire: Home Price Appreciation Highest in 30 Months -Case-Shiller
• Pipeline Press: Training and Events Ranging From Cybersecurity to Taking an App; ECOA Legal Opinion
• MBS Commentary: MBS Day Ahead: More Econ Data and "Month-End," But Trump Speech Looms
• MBS Commentary: MBS RECAP: Range Holds as Risk Appetite Returns

If you have trouble viewing this email, you can read the full post at http://www.mortgagenewsdaily.com/02272017_corelogic_distress_cash_sales.asp

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Black Knight’s HPI Holds on to Late Year Gains

Posted to: MND NewsWire
Monday, February 27, 2017 11:07 AM

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Black Knight Financial Services reported on Monday that its Home Price Index posted another 5.7 percent annual increase in the national rate of appreciation. Over the course of 2016 prices rose on a year-over-year basis by an average of 5.4 percent each month, however appreciation accelerated into the later months and the December increase tied with November for the highest rates of the year. The November to December gain was 0.1 percent, down from the 0.2 percent rate in each of the previous two months.

Home prices in four of the nation’s 20 largest states, Massachusetts, New York, North Carolina, and Washington, hit new peaks as did seven of the 40 largest metropolitan areas.

(READ THE FULL POST)

More from MND:

• MND NewsWire: Home Price Appreciation Highest in 30 Months -Case-Shiller
• Pipeline Press: Training and Events Ranging From Cybersecurity to Taking an App; ECOA Legal Opinion
• MBS Commentary: MBS Day Ahead: More Econ Data and "Month-End," But Trump Speech Looms
• MBS Commentary: MBS RECAP: Range Holds as Risk Appetite Returns
• Mortgage Rate Watch: Mortgage Rates Slightly Higher

If you have trouble viewing this email, you can read the full post at http://www.mortgagenewsdaily.com/02272017_black_knight_hpi.asp

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Home Price Appreciation Highest in 30 Months -Case-Shiller

Posted to: MND NewsWire
Tuesday, February 28, 2017 9:54 AM

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Home prices accelerated their growth again in December. The S&P CoreLogic Case-Shiller U.S. National Home Price NSA Index, which covers all nine U.S. census divisions, rose by 5.8 percent compared to one year earlier. In November the gain over the previous 12 months was 5.6 percent. The year-over-year increase has been larger each month since July and Case-Shiller called the annual December number the largest increase in 30 months. On a monthly basis, the National Index rose 0.2 percent before seasonal adjustment and was up 0.7 percent after.

The 10-City Composite Index rose 4.9 percent on an annual basis compared to 4.4 percent in November while the 20-City Composite reported a year-over-year gain of 5.6 percent, up from 5.2 percent in November. Among the 20 cities the largest annual gains were again registered in Seattle, Portland, and Denver. Seattle led the way with a 10.8 percent year-over-year price increase in December, followed by Portland with 10.0 percent, and Denver at 8.9 percent. Twelve cities reported greater price increases in the year ending December 2016 versus the year ending November 2016. Both the city composites rose 0.3 percent on a non-adjusted basis and 0.9 percent after adjustment.

(READ THE FULL POST)

More from MND:

• Pipeline Press: Training and Events Ranging From Cybersecurity to Taking an App; ECOA Legal Opinion
• MBS Commentary: MBS Day Ahead: More Econ Data and "Month-End," But Trump Speech Looms
• MBS Commentary: MBS RECAP: Range Holds as Risk Appetite Returns
• Mortgage Rate Watch: Mortgage Rates Slightly Higher
• MND NewsWire: CoreLogic’s Case For Improving Property Tax Estimates

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Training and Events Ranging From Cybersecurity to Taking an App; ECOA Legal Opinion

Posted to: Pipeline Press
Tuesday, February 28, 2017 8:40 AM

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The last day of February, already? Wasn’t it just New Years? Time flies by, things progress. Yesterday the Chamber of Digital Commerce, the world’s largest trade association representing the blockchain industry, and the Structured Finance Industry Group (SFIG) announced the formation of a strategic partnership focused on advancing the use of blockchain technology in securitization markets. Heck, I barely know how a simple battery works…

Upcoming events, training, conferences, webinars, and the like, in no particular order:

A free webinar titled, “The NY Cybersecurity Regulation – How It Impacts You and Your Company” is being held this Friday, 3/3, at 1PM ET. On March 1, the New York State Cybersecurity regulation goes into effect. “This first-in-the-nation cybersecurity regulation requires banks, insurance companies and other financial services institutions regulated by the NY Department of Financial Services to establish a cybersecurity program that protects consumer data. Join industry experts Joe Kelley, Privacy Attorney, Offit Kurman, Bob Olsen, CEO, Compass Cyber Security and Monique Jean, General Counsel, Strategic Compliance Partners for a FREE webinar as they discuss what New York Lenders and Brokers must do going forward to meet NY State regulation standards. Webinar topics will include who is covered by the regulation, new standards, and the impact to your company. If you are licensed in New York state, you MUST understand this new regulation.”

(READ THE FULL POST)

More from MND:

• MBS Commentary: MBS Day Ahead: More Econ Data and "Month-End," But Trump Speech Looms
• MBS Commentary: MBS RECAP: Range Holds as Risk Appetite Returns
• Mortgage Rate Watch: Mortgage Rates Slightly Higher
• MND NewsWire: CoreLogic’s Case For Improving Property Tax Estimates
• MND NewsWire: Highest Home-Buying Demand in Years Stifled by Tight Inventory

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MBS Day Ahead: More Econ Data and “Month-End,” But Trump Speech Looms

Before you read it here, it was on MBS Live.

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Posted to: MBS Commentary
Tuesday, February 28, 2017 8:30 AM

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Today is the last day of February. ‘Month-end’ is different than other days for bond markets because it serves as a deadline for money managers to match their holdings with various indices. Long story short, when a particular fund says it holds x% of US Treasuries, the fine print typically stipulates that those Treasuries have an average duration based on an index. The index’s main purpose is to track the overall Treasury market, thus allowing money managers a no-brainer decision when it comes to adjusting their mix of long/short duration bonds. MBS Live members…

(READ THE FULL POST)

More from MND:

• MBS Commentary: MBS RECAP: Range Holds as Risk Appetite Returns
• Mortgage Rate Watch: Mortgage Rates Slightly Higher
• MND NewsWire: CoreLogic’s Case For Improving Property Tax Estimates
• MND NewsWire: Highest Home-Buying Demand in Years Stifled by Tight Inventory
• Pipeline Press: Rent Trends Continue to Help Lenders; FHA and Ginnie Changes in the Marketplace

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I need followers for Instagram

Hello

Here is the link
http://www.instadotgram.com/buy-instagram-followers/

and IG Likes
http://www.instadotgram.com/buy-instagram-likes/

regards
KEVIN

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