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FOMC Maintains Expansionary Policy. No Surprises in Statement

No major surprises in the Federal Reserve’s policy announcement today. The FOMC said the pace of economic contraction is slowing and should gradually resume to sustainable levels. 

They gave no sign of tightening policy in the near future, vowing to “employ all available tools” and keeping the Fed Funds rate rate at “exceptionally low levels . . . for an extended period.” The FOMC also said it would purchase $1.25 trillion of mortgage-backed securities this year.

Key Statements on Outlook

  • Household spending has shown further signs of stabilizing but remains constrained by ongoing job losses, lower housing wealth, and tight credit. 
  • Businesses are cutting back on fixed investment and staffing but appear to be making progress in bringing inventory stocks into better alignment with sales.
  • The Committee “expects that inflation will remain subdued for some time.”

Key Statements on Policy:

  •  The Fed “will employ all available tools to promote economic recovery and to preserve price stability.” 
  •  The Committee “continues to anticipate that economic conditions are likely to warrant exceptionally low levels of the federal funds rate for an extended period.” 
  •  The Fed “will purchase a total of up to $1.25 trillion of agency mortgage-backed securities and up to $200 billion of agency debt by the end of the year.”
  •  The Fed “will buy up to $300 billion of Treasury securities by autumn.”
  •  The Fed “will make adjustments to its credit and liquidity programs as warranted.”

The only thing that may disappoint some is that the Fed didn't outline any sort of exit strategy. Many investors have been concerned that the Fed will either tighten policy too early and cause a replay of the policy mistakes in the 1930s, while others are concerned the Fed will keep rates too low for too long, which critics say could cause another bubble or lead to hyper inflation.


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More From MND

Mortgage Rates:
  • 30 Yr FRM 3.82%
  • |
  • 15 Yr FRM 3.09%
  • |
  • Jumbo 30 Year Fixed 4.12%
MBS Prices:
  • 30YR FNMA 4.5 107-03 (0-02)
  • |
  • 30YR FNMA 5.0 108-10 (0-02)
  • |
  • 30YR FNMA 5.5 109-01 (0-02)
Recent Housing Data:
  • Mortgage Apps 9.18%
  • |
  • Refinance Index 12.97%
  • |
  • Purchase Index -2.38%

Comments

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on
Can someone please translate? From what I understand is the Fed wants to keep rates low and some purchasing of treasury securities may happen by the Autumn. Should I assume that Mortgage rates will drop by Autumn? It seems that rates are unchanged today correct?
on
So far no change to my observation. I'm still waiting to lock
on
In my opinion, the Feds are not buying MBS to keep rates low. Rather, they are buying to minimize the effect of increasing rates from everyone selling. The idea is to maintain orderly control of the market to prevent panic. I believe mortgage rates will be rangebound between 5-6% for some time.
on
If they stay between 5 and 6 we can say goodbye to any speedy recovery... And possibly to any recovery at all... The buyers are out there but are not motivated by rates in the 5% range. We need purchases in order to stimulate the economy but with the unemployment numbers rising we are running out of buyers... With 4.5% we had a lot of activity. When they went up, the phones stopped ringing. Housing is a major part of our economy but if we let it sit idle, so will our economy...
on
Scott - why is 5-6% bad? Aren't you worried about inflation, housing bubbles, etc.? We are either running out of buyers or not. If unemployment is rising, that's not going to affect house buying. Whether rates are 4.5% or 5.5% - if you are unemployed, you are unemployed. The housing market is starting to show a rebound. The Fed needs to look to get all parts of the economy running again - manufacturing,etc. Yes, housing is important to those industries. But it only goes so far. The 4.5% rate is lower (if I recall) than at any other time we've tried to push out of a recession. I think everyone is skewed from the last six months (as I keep saying). Rates were lower when there were no 'green shoots' now that they are, they are still about where they were during the last recovery. Most here are heavily invested for their career in the housing market. But it would do good to step away and see the full picture. Erik's comments are very much dead-on to what the Fed's real plan is and not the hopes of everyone here.
on
I welcome the flat movement after the FOMC comments. I wanted an incredible face melting explosion in MBS, but will take today over the alternative.
on
I am 37 days from closing and my broker is looking at 2 lenders for us. Opinions would greatly appreciated. We missed getting the 4.75 rate at a 60 day lock by 1 week, so now I am biting my nails trying to "know when to hold em', know when to fold em' ". Should we go ahead and lock, or should we be optimistic that rates will inch down a smidge? Here are the options from my lender today: Flagstar 40 day lock is 5.375 1 origination fee and .75 for the rate. 5.625 is only 1 origination fee, and 5.125 is 1 origination with 2 points. The 30 day is just a little better and we are almost at that window…5.50 1 +0, 5.375 1 +.50, 5.25 1 +1 and 5.125 is 1.75 +1. Amtrust 45 day lock is 5.50 1 + 0, 5.375 1 + .25, 5.25 1+1, 5.125 is 1+ 1.75. again the 30 day is a little better….5.375 1+0, 5.25 1+.75, and 5.125 is 1+1.50… Soooooo........?
on
P Zee, when sales pick up, someone needs to sell the new homeowners the paint to repaint the interior before the buers go to lowes to "buy" new appliences. Maybe Lowes will need to hire additional cahiers to cover the pick up in business and the furniture business will need to hire in order to cover the increased saels fulled by the expanding home sales numbers. It's called growth! At that point, once real growth has started, that rates will make less and less of a difference. But it has to start somewhere and right now I do not feel like spending do you?
on
Rates need to be low (determined by what people feel to be low at the time) in order to spur economic activity. Once the activity is in full swing, rates can then rise to slow down the "growth" and avoid the i word. There can be no "i" word to worry about without first having growth. If you start from not moving and then put the breaks on it does not do a lot of good. Lets wait until we are moving at least a little bit before we try slowing down...
on
I do think there has ever been so much emphasis placed on an announcement after an FOMC meeting in my career (30+ years). And, while I’m not elated (and I really don’t know what they could have done to elate me), I am very comfortable with their comments. Did you note the 4.5 & 5.0 finished the day Green. The problem in the market place causing most of the volatility is simply uncertainty. I believe the Fed today, has taken a lot of the slack out of the uncertainty line making their case for continued recovery support efforts (using all of their tools), and that inflation remains low. Yes, I’ve heard all this about how inflation is going to raise its ugly head (I was around in the 70s, and lived through Paul Volker – who also says he sees no inflation on the horizon), but if we all could predict the future (and interest rates) we would not be working for a living. Matt, Vic, AQ and the rest of the gang, thanks for all of your input and commentary since Black Wednesday. Rates will remain low for some time to come. If they go lower (I hope) and there is a chance we might see 4.5% again (when I know we’ll lock in all those loans we missed) life will be great. Starting tomorrow I’m going back out to pound the pavement and get new business, rather than sitting glued to my CRT watching the MBS charts and Pelosi’s horns. May you all live long and proper.
on
I agree, rates are what they are and I remember doing loans in the upper teens and didn't think they would ever drop below 7 again... We have to adapt to what we have, but I still can not see how inflation could possibly become a problem until the economy is growing and people start that uncontrollable spending... then costs will start going up because of high "demand" and we can then fight that monster. Lets fight the monster in front of us first!
on
People are anticipating inflation because of the large stimulus plans, large deficts, increased money supply, and large amounts of T-bills which historically have always been a catalyst for inflation. However, what is being overlooked by the inflation bulls is the fact that real money supply is not increasing, all of the money is sitting in bank reserves to cover the losses they have suffered from residential mortgages and will soon suffer from commercial mtgs. In addition, the drastic drop in household wealth (securities and home value) will negate any of the traditional inflationary pressures. I also feel we are in for an L shaped curve and do not except rapid growth anytime soon. However, I also feel anyone expected 30yr fixed rates to be 4.5% again are suffering from Irrational Exuberance. 5.5% is a great rate, people need to look at the big picture and stop using anomalies as the norm
on
Inflation can be a very real problem right now. They very often go hand-in-hand. That, and I keep talking about the 'green shoots'. If they are real indicators of direction, lowering rates now will put inflationary pressures on an economy that is in recovery. That can be very dangerous. The Fed's approach is appropriate. It's a wait and see attitude. The Gov't and Fed have done a lot to stimulate the economy. They need to ride things out to see if those tools worked. Doing too much can flip us backward. Again, the focus here I appreciate. But complaining that the Fed's actions aren't the right one's need to be addressed in the context of the larger picture. I concur the housing industry creates lots of jobs. So do auto and other durable good producers. The 'love' needs to get around. The rates we saw in the Spring helped the economy and the housing market a lot.
on
I agree that a wait and see approach is best... I just don't understand why everyone is saying that we have to figt inflation at this point..? When people start spending too much then yes, we will need to curb their enthusiasm but if we start raising rates now, we will kill what ever "green shoots" that may be out there.
on
I do not see 4.5% coming back until December "MAYBE" for a short period of time. Never mind would-a ,should-a, or could-a, anything between 5.00% and 5.50%, you should Lock and Load and Fire at will. If rates drop again they can always refinance. That is alot better then having unanswered prayers. A closed loan in the Hand is better than 2 waiting in the open file.
 

More From MND

Mortgage Rates:
  • 30 Yr FRM 3.82%
  • |
  • 15 Yr FRM 3.09%
  • |
  • Jumbo 30 Year Fixed 4.12%
MBS Prices:
  • 30YR FNMA 4.5 107-03 (0-02)
  • |
  • 30YR FNMA 5.0 108-10 (0-02)
  • |
  • 30YR FNMA 5.5 109-01 (0-02)
Recent Housing Data:
  • Mortgage Apps -4.45%
  • |
  • Refinance Index -4.76%
  • |
  • Purchase Index -2.88%
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