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<?xml-stylesheet type="text/xsl" href="http://www.mortgagenewsdaily.com/utility/FeedStylesheets/rss.xsl" media="screen"?><rss version="2.0" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" xmlns:wfw="http://wellformedweb.org/CommentAPI/"><channel><title>How are Mortgage Rates Determined????</title><link>http://www.mortgagenewsdaily.com/mortgage_rates/blog/35491.aspx</link><description>To summarize when reading our commentaries you should understand that when we say prices of mortgage backed securities (MBS) are going up, that the rate you are offered as a borrower will go down. The MBS is subjected to the same premiums that determine</description><dc:language>en</dc:language><generator>CommunityServer 2008 SP2 (Build: 31106.96)</generator><item><title>re: How are Mortgage Rates Determined????</title><link>http://www.mortgagenewsdaily.com/mortgage_rates/blog/35491.aspx#86044</link><pubDate>Tue, 23 Jun 2009 18:02:22 GMT</pubDate><guid isPermaLink="false">2bb7a989-b681-446d-a7f2-bd5f0562f228:86044</guid><dc:creator>Joseph McKeever</dc:creator><description>great post &lt;div style="clear:both;"&gt;&lt;/div&gt;&lt;img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=86044" width="1" height="1"&gt;</description></item><item><title>re: How are Mortgage Rates Determined????</title><link>http://www.mortgagenewsdaily.com/mortgage_rates/blog/35491.aspx#83997</link><pubDate>Wed, 17 Jun 2009 10:39:48 GMT</pubDate><guid isPermaLink="false">2bb7a989-b681-446d-a7f2-bd5f0562f228:83997</guid><dc:creator>Jose "J" Oliveira</dc:creator><description>Excellent post!  Thank you.&lt;div style="clear:both;"&gt;&lt;/div&gt;&lt;img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=83997" width="1" height="1"&gt;</description></item><item><title>re: How are Mortgage Rates Determined????</title><link>http://www.mortgagenewsdaily.com/mortgage_rates/blog/35491.aspx#35694</link><pubDate>Thu, 04 Dec 2008 17:04:41 GMT</pubDate><guid isPermaLink="false">2bb7a989-b681-446d-a7f2-bd5f0562f228:35694</guid><dc:creator>Brian Spotswood</dc:creator><description>Thanks for the info. -- I understand MBS trading, and the effect on rates pretty well (mostly thanks to this blog) but this article really shed some light on the loss of spread we&amp;#39;re seeing from yesterday.&lt;div style="clear:both;"&gt;&lt;/div&gt;&lt;img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=35694" width="1" height="1"&gt;</description></item><item><title>re: How are Mortgage Rates Determined????</title><link>http://www.mortgagenewsdaily.com/mortgage_rates/blog/35491.aspx#35680</link><pubDate>Thu, 04 Dec 2008 16:32:41 GMT</pubDate><guid isPermaLink="false">2bb7a989-b681-446d-a7f2-bd5f0562f228:35680</guid><dc:creator>Adam Quinones</dc:creator><description>Thanks everyone! We will continue to expand on this topics as we re-write our MBS guide&lt;div style="clear:both;"&gt;&lt;/div&gt;&lt;img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=35680" width="1" height="1"&gt;</description></item><item><title>re: How are Mortgage Rates Determined????</title><link>http://www.mortgagenewsdaily.com/mortgage_rates/blog/35491.aspx#35642</link><pubDate>Thu, 04 Dec 2008 14:55:00 GMT</pubDate><guid isPermaLink="false">2bb7a989-b681-446d-a7f2-bd5f0562f228:35642</guid><dc:creator>Debbie Barksdale</dc:creator><description>Thank you for the great article Adam!&lt;div style="clear:both;"&gt;&lt;/div&gt;&lt;img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=35642" width="1" height="1"&gt;</description></item><item><title>re: How are Mortgage Rates Determined????</title><link>http://www.mortgagenewsdaily.com/mortgage_rates/blog/35491.aspx#35621</link><pubDate>Thu, 04 Dec 2008 13:58:44 GMT</pubDate><guid isPermaLink="false">2bb7a989-b681-446d-a7f2-bd5f0562f228:35621</guid><dc:creator>Jason Zimmer</dc:creator><description>Great post Adam!&lt;div style="clear:both;"&gt;&lt;/div&gt;&lt;img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=35621" width="1" height="1"&gt;</description></item><item><title>re: How are Mortgage Rates Determined????</title><link>http://www.mortgagenewsdaily.com/mortgage_rates/blog/35491.aspx#35613</link><pubDate>Thu, 04 Dec 2008 13:37:07 GMT</pubDate><guid isPermaLink="false">2bb7a989-b681-446d-a7f2-bd5f0562f228:35613</guid><dc:creator>Steven Fishman</dc:creator><description>Worse than LO&amp;#39;s with that thought process is an AE thinking the same.&lt;div style="clear:both;"&gt;&lt;/div&gt;&lt;img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=35613" width="1" height="1"&gt;</description></item><item><title>re: How are Mortgage Rates Determined????</title><link>http://www.mortgagenewsdaily.com/mortgage_rates/blog/35491.aspx#35612</link><pubDate>Thu, 04 Dec 2008 13:34:13 GMT</pubDate><guid isPermaLink="false">2bb7a989-b681-446d-a7f2-bd5f0562f228:35612</guid><dc:creator>Wally Ferris</dc:creator><description>Thank you so much on the enlightening article on an often clouded and confused issue. I&amp;#39;ve been trying to explain this to my manager for months now.&lt;div style="clear:both;"&gt;&lt;/div&gt;&lt;img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=35612" width="1" height="1"&gt;</description></item><item><title>re: How are Mortgage Rates Determined????</title><link>http://www.mortgagenewsdaily.com/mortgage_rates/blog/35491.aspx#35546</link><pubDate>Thu, 04 Dec 2008 01:42:58 GMT</pubDate><guid isPermaLink="false">2bb7a989-b681-446d-a7f2-bd5f0562f228:35546</guid><dc:creator>Victor Burek</dc:creator><description>Adam,  great post and explanation, thanks for taking the time to write it.  

I, too, am amazed that some loan officers think rates are tied to the 10 yr treasury, they just dont know what they dont know.&lt;div style="clear:both;"&gt;&lt;/div&gt;&lt;img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=35546" width="1" height="1"&gt;</description></item><item><title>re: How are Mortgage Rates Determined????</title><link>http://www.mortgagenewsdaily.com/mortgage_rates/blog/35491.aspx#35531</link><pubDate>Thu, 04 Dec 2008 00:21:33 GMT</pubDate><guid isPermaLink="false">2bb7a989-b681-446d-a7f2-bd5f0562f228:35531</guid><dc:creator>Nick Tietjen</dc:creator><description>If we rates were following the 10 year we woudl all be selling 4% and making ysp!
&lt;div style="clear:both;"&gt;&lt;/div&gt;&lt;img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=35531" width="1" height="1"&gt;</description></item><item><title>re: How are Mortgage Rates Determined????</title><link>http://www.mortgagenewsdaily.com/mortgage_rates/blog/35491.aspx#35527</link><pubDate>Wed, 03 Dec 2008 23:52:41 GMT</pubDate><guid isPermaLink="false">2bb7a989-b681-446d-a7f2-bd5f0562f228:35527</guid><dc:creator>bwp4u</dc:creator><description>It still amazes me that people in this industry still watch the 10yr to try and figure out rate moves.  I guess some people are content just selling.&lt;div style="clear:both;"&gt;&lt;/div&gt;&lt;img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=35527" width="1" height="1"&gt;</description></item><item><title>re: How are Mortgage Rates Determined????</title><link>http://www.mortgagenewsdaily.com/mortgage_rates/blog/35491.aspx#35520</link><pubDate>Wed, 03 Dec 2008 23:29:22 GMT</pubDate><guid isPermaLink="false">2bb7a989-b681-446d-a7f2-bd5f0562f228:35520</guid><dc:creator>jdeyber</dc:creator><description>Please expand on this topic&lt;div style="clear:both;"&gt;&lt;/div&gt;&lt;img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=35520" width="1" height="1"&gt;</description></item></channel></rss>