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MBS RECAP: Record-Breaking Job Gains, But Bonds Ultimately Improve

MBS Day Ahead: Early Close and Another (Potentially) Record-Breaking...

MBS RECAP: Limited Reaction to Headlines and Fed Minutes

Fed Meeting Minute Bullet Points: What's Yield Curve Control...

MBS Day Ahead: Economic Data Ramps Up Ahead of Week's Early...

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Huge Housing Rebound, All-Time Low Rates, But At What Cost?

Anti-fraud, DPA, HMDA Products; Non-QM News in Primary and Secondary...

Rates at All-Time Lows Ahead of Important Jobs Data

Purchase Apps Retreat Again as Inventory Dries Up

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Record-Breaking Job Gains Would Normally Hurt Rates, But...

Published: 7/2/2020

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THE FED RATE CUT HAS NOTHING TO DO WITH MORTGAGE RATES

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by Matthew Graham on March 03 2020, 12:42 PM

The Fed announced an emergency rate cut of 50bps today (0.50%). Great! So your mortgage rate could be 0.5% lower, right? WRONG! And to be clear, that's not one of those all-caps, bold lettered internet claims made by some guy with an agenda who may or...
DU REFI PLUS - No Media Coverage

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by AQ on March 06 2009, 1:38 PM

You can download the full 'DU Refi Plus' document in pdf format here . If you would like to link to this document, please link to http://www.mortgagenewsdaily.com/du-refi-plus.pdf DU Refi Plus TM BORROWERS YOU DO NOT HAVE TO GO TO YOUR SERVICER...
Who Broke The Mortgage Market And When Will It Be Fixed?

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by Matthew Graham on March 26 2020, 5:17 PM

I will do my best to speak to both consumer and mortgage industry people on this topic. It affects everyone. With that in mind, the following is a list of questions that loan originators have been asking. Consumers might not be familiar with all the terms...
MND Special Report on MBS "Black Wednesday:" Among The Worst Day Of Losses.... Ever....

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by Matthew Graham on May 27 2009, 6:31 PM

Damage Report 5/27/09 The dust is finally settling and ashes finally floating away, at least for today. We are left with one of the most grotesque images to come out of the MBS marketplace in years: the visual representation of the deservedly named "Black...
Brief Discussion on Treasury Auction Jargon and Significance

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by Matthew Graham on January 11 2012, 2:50 PM

Earlier today on MBS Live, after briefly discussing the results of today's 10yr Auction, a question came up basically asking if I could explain what I was talking about in English. Although I'm not sure if it's much of an improvement from the original...
How Crazy Is This Move in Rates and Refis?

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by Matthew Graham on March 04 2020, 3:37 PM

I was surprised to open up shop this morning and find yields and MBS right about where we left them yesterday afternoon. I was also surprised yesterday afternoon when yields were able to hold under 1% by the end of the day. In other words, this bond rally...
HR 3044: To Impose 18-month Moratorium on HVCC (!!!!!!!!)

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by AQ on June 26 2009, 11:05 PM

H.R. 3044 : To impose an 18-month moratorium on the Home Valuation Code of Conduct ...from NAMB McLean, VA - June 26, 2009 - Last night, Representatives Childers (D-MS) and Miller (R-CA) introduced legislation calling for an 18 month moratorium on the...
Master List of Mortgage Market's COVID-19 Changes And Appraisal Tables

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by Matthew Graham on March 24 2020, 9:30 AM

Hit the comment section if we're missing anything and we'll get it updated to keep this as an up-to-date list of COVID-related changes to underwriting guidelines, forbearances, etc. The changes come at the direction of FHFA and are thus substantially...
Explaining The MBS Settlement Process

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by Matthew Graham on March 09 2010, 4:51 PM

If you haven't read the following description of the agency MBS settlement process...please don't skip over it as it may save you from having to change your pants when next month's settlement rolls around. If you have read it...go over it...
MBS BREAKING NEWS: Full Text Of Press Release and Q and A from the Fed

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by Matthew Graham on December 30 2008, 4:35 PM

Press Release Release Date: December 30, 2008 For immediate release The Federal Reserve on Tuesday announced that it expects to begin operations in early January under the previously announced program to purchase mortgage-backed securities (MBS) and that...
MBS MORNING: Explaining Yield Spreads and the Curve

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by AQ on November 05 2009, 12:26 PM

When the yield curve steepens, it implies interest rates will be higher in the future. If interest rates are expected to increase in the next 10 years, then the borrowers who are refinancing at current market interest rates will be less likely to refinance...
BRRRREXIT!! Rates Plummet Toward All-Time Lows

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by Matthew Graham on June 24 2016, 12:01 AM

FOLLOW THE LATEST BREXIT UPDATES on MBS LIVE with FREE TRIAL CODE: BREXIT So what are we seeing? At this point, most major media outlets are "calling it" in favor of Brexit , "leave," whatever you want to call it. Folk in the U.K. are voting to exit the...
MBS Day Ahead: End of a Decades-Long Trend for Treasuries

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by Matthew Graham on December 31 2013, 7:00 AM

2013 draws to a close today and it will officially break a 20 year trend in bond markets. Since 1993, 10yr yields have returned to the same boundary of the same linear trend channel precisely every 5 years, but 2013 didn't come close (see the chart...
MBS OP-ED: MAKING SENSE OF THIS MESS

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by AQ on February 05 2009, 12:55 PM

All expected positives we've promoted aside, which includes the most recent conviction regarding the "it that shall not be named". It is time to put everything in perspective. Before moving forward we recommend reading the precursors to this post. First...
MBS Day Ahead: Is The Party Over Already? (Why Did Yields Spike and Will They Come Back?)

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by Matthew Graham on March 18 2020, 10:47 AM

Everyone has a lot to digest right now. The average human on planet earth is no different from the entire financial market in that regard. We're undoubtedly already several weeks into the sharpest and broadest economic contraction any of us have seen...

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MBS Commentary

MBS RECAP: Limited Reaction to Headlines and Fed Minutes

Limited Reaction to Headlines and Fed Minutes After a quiet trading day yesterday, today proved to be even quieter. That said, bonds were still willing...
MBS Commentary

Fed Meeting Minute Bullet Points: What's Yield...

The minutes from the most recent Fed meeting were released today. While there's not much left to be said when they've already been so clear about...
MBS Commentary

MBS Day Ahead: Economic Data Ramps Up Ahead of Week's...

After a very slow start on Monday, yesterday's month-end trading session proved to be more consequential for Treasuries with yields ultimately rising...
MND NewsWire

Purchase Apps Retreat Again as Inventory Dries Up

Applications for both refinancing and purchase mortgages retreated last week , pulling the Mortgage Bankers Associations (MBA's) Market Composite Index...
MBS Commentary

MBS RECAP: Surprisingly Quiet Quarter-End Trading....

Surprisingly Quiet Quarter-End Trading. No Objections Here The last trading day of any given month (especially if it's also the end of a quarter) can...
Mortgage Rate Watch

Best Month Ever For Mortgage Rates

Mortgage rates managed another slight improvement today, which means the average lender is offering new all-time low rates for the 4th time this month...
MND NewsWire

Home Prices "Remarkably Stable" in April

Home prices continued to hold up on a national basis in April. The S&P CoreLogic Case-Shiller U.S. National Home Price Index, covering all nine U.S...
Pipeline Press

Servicing, Inspection, Loss-mit Products; CFPB's...

Some days you don’t learn much, other days you learn a lot (skip the ad). We’ve learned that COVID is driving our economy, not fundamental...
Mortgage Rate Watch

Mortgage Rates Continue at All-Time Lows, But Caveats...

Mortgage rates were unchanged to slightly lower today, bringing the average lender right in line with all-time lows . Averages aside, several lenders are...
MBS Commentary

MBS RECAP: Lock vs Float Considerations With Rates...

Lock vs Float Considerations With Rates at All-Time Lows Stocks and bond yields are still in holding patterns relative to early June volatility. Meanwhile...
MND NewsWire

Supreme Court Rules Single CFPB Director Unconstitutional

The Supreme Court, in a 5-4 decision along partisan lines, took a chunk out of the intentions the Dodd-Frank Act had for the Consumer Financial Protection...
MND NewsWire

Record Surge in Pending Home Sales

Lawrence Yun, chief economist for the National Association of Realtors® (NAR), predicted last month that April's home sales contract activity "will...
Pipeline Press

MSR, Marketing, Leads Products; Training and Webinars...

Does this mean we can no longer say, “Hindsight is always 2020”?! It’s too bad that the Tiger King is the most normal thing about 2020...
MBS Commentary

MBS Week Ahead: Holiday-Shortened Week; Jobs Report...

This will be a deceptively informative week for financial markets. The biggest consideration continues to be the exponential growth of covid cases in several...
MBS Commentary

MBS RECAP: The Trend is Officially Broken. Welcome...

The Trend is Officially Broken. Welcome Back To The Range Bond yields moved lower today, thus breaking out of the prevailing trend. In so doing, they find...
Mortgage Rate Watch

Mortgage Rates Are Headed Higher (Eventually)

The fates of the economy, the housing market, and interest rates remain closely intertwined with coronavirus. The pandemic is clearly responsible for the...
Pipeline Press

DPA, Forbearance, Broker Products; FHA, USDA Tweaks;...

There are plenty of tricks in any trade. Just-opened cellulose sponges are already damp because many are premoistened with sterile water. (Without H20...
MND NewsWire

Surge in Forbearances This Week

After three weeks of declining totals, Black Knight says the number of active COVID-19 forbearance plans shot up over the past week. As of June 23, there...
MBS Commentary

MBS Day Ahead: Another Chance to Break The Range

Although markets are still sideways relative to the bigger volatility of the previous 3 weeks, bond yields have trickled lower this week. This brought...
Mortgage Rate Watch

Mortgage Rates Reflecting Market Concerns

Mortgage rates moved modestly lower today, bringing the average lender very close to all-time lows . The caveat continues to be that day-to-day rate changes...

Mortgage Rates:

30 Yr FRM 2.94%
|
15 Yr FRM 2.64%
|
Jumbo 30 Year Fixed 3.95%

MBS Prices:

Recent Housing Data:

Mortgage Apps -1.84%
|
Refinance Index -2.20%
|
Purchase Index -1.28%

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