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MBS RECAP: Calm Week Ends on an Even Calmer Note

MBS Day Ahead: Bonds Should Give Their Next Technical Signal...

MBS RECAP: Bonds Push Back Against AM Weakness, But Risks Remain

MBS Day Ahead: Defensive Shift is a Cause For Concern; Yields...

MBS Day Ahead: Does Inauguration Day Matter For The Bond Market...

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Existing Home Sales Reach Highest Levels Since 2006

Upbeat 2021 Econ Forecast From Fannie Mae

End-of-Year Delinquencies a Challenge for 2021

MLO Jobs; Broker, Recruiting, HELOC Products; Freddie and Fannie...

Mortgage Rates Almost Back to Early January Levels

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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...
Surprise Announcement From FHFA Just Made Your Refi Much More Expensive

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by Matthew Graham on August 12 2020, 8:47 PM

In what can only be described as a cash grab, Fannie and Freddie's regulator just announced a new tax on refinances. Granted, it's not technically a tax, and it wasn't probably even intended to hit the pocketbooks of the American homeowner...
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...
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...
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...
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...
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...
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...
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...

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MND NewsWire

End-of-Year Delinquencies a Challenge for 2021

Mortgage performance understandably deteriorated over the course of 2020. Black Knight, in its "first look" at December data, noted that the year ended...
Pipeline Press

MLO Jobs; Broker, Recruiting, HELOC Products; Freddie...

This week Joe Exotic did not receive a presidential pardon, nor did mortgage rates move much versus last week, but there are still over 16 million refinance...
MBS Commentary

MBS Day Ahead: Bonds Should Give Their Next Technical...

The nature of the pandemic has made for some very mechanical and orderly market movement. The best example of this in the bond market is the "trend...
MBS Commentary

MBS RECAP: Bonds Push Back Against AM Weakness, But...

Bonds Push Back Against AM Weakness, But Risks Remain Yields were breaking higher as the domestic session began with traders citing the European Central...
Mortgage Rate Watch

Mortgage Rates Almost Back to Early January Levels

Mortgage rates made more progress today, but only after some drama in the morning. The bond market started the day in weaker territory and many mortgage...
MND NewsWire

Construction Surges to Highest Levels in 15 Years

Residential construction finished out 2020 much more strongly than analysts had expected. The U.S. Census Bureau and Department of Housing and Urban Development...
MBS Commentary

MBS Day Ahead: Defensive Shift is a Cause For Concern;...

The GA senate election shift is old news. It did the damage it was always likely to do, but bonds had a good show of support by the end of the following...
Pipeline Press

Retail, Correspondent Jobs; Performance, Non-QM, Sales...

“Do y’all remember, before the internet, that people thought the cause of stupidity was the lack of access to information? Yeah, it wasn’t...
Mortgage Rate Watch

Mortgage Rates Making Steady Progress Over The Past...

Mortgage rates are off to a decent start this week with the average lender offering slightly better terms compared to last Friday. The progress actually...
MND NewsWire

DACA "Dreamers" Given FHA Loan Eligibility

The Department of Housing and Urban Development (HUD) announced on Tuesday that it has extended eligibility for FHA mortgages to individuals who are classified...
MND NewsWire

Rising Material Prices and Lot Shortages Hurt January...

After setting three successive record highs, most recently a 90 level in November , the pandemic and rising construction costs are taking a toll on the...
MBS Commentary

MBS Day Ahead: Does Inauguration Day Matter For The...

Does inauguration day matter for the bond market? Not as such, no. To be sure, the changing of the guard in D.C. is indeed a big deal for the bond market...
Pipeline Press

Ops, AE Jobs; Sales, Leadership, Tech, Pricing Tools;...

In his Saturday Morning Cup of Joe , Jeremy Potter quipped, “The word ‘homeowners’ has the word ‘meow’ in it. Good luck unseeing...
MND NewsWire

New Home Purchase Applications Remained Strong to Year's...

The Mortgage Bankers Association (MBA) estimates that applications for the purchase of newly built homes rose only 0.2 percent from November to December...
MND NewsWire

Fannie/Freddie Allowed to Keep More Capital (Again...

Late last week the Federal Housing Finance Agency (FHFA) and the U.S. Department of the Treasury (Treasury) agreed to amend the Preferred Stock Purchase...
MND NewsWire

Refinancing Volume Pulls Back as Rates Rise

The volume of mortgage applications fell back slightly last week. The Mortgage Bankers Association (MBA) said its Market Composite Index was down 1.9 percent...
MBS Commentary

MBS RECAP: Uneventful Start This Week; Next Move Remains...

Uneventful Start This Week; Next Move Remains Debatable Bonds began the day in weaker territory but rallied back to nearly unchanged levels after several...
MND NewsWire

Biden Nominates Two Picks for Important Financial Positions

President-elect Joe Biden has announced his picks for two important financial regulatory positions. The chairmanship of the Consumer Financial Protection...
Pipeline Press

IT, AE Jobs; Jumbo, Origination, Productivity Tools;...

Sometimes running a mortgage compliance department can seem like this short clip Indiana’s Carol K. sent along. Yet there is value in compliance...
MBS Commentary

MBS Week Ahead: After Last Week's Defensive Stand...

Last week's bond trading served the role of establishing a ceiling for yields after their biggest spike in nearly a year (and the case could be made...

Mortgage Rates:

30 Yr FRM 2.80%
|
15 Yr FRM 2.30%
|
Jumbo 30 Year Fixed 3.30%

MBS Prices:

30YR FNMA 4.5 108-16 (-0-02)
|
30YR FNMA 5.0 110-15 (-0-01)
|
30YR FNMA 5.5 111-08 (-0-01)

Recent Housing Data:

Mortgage Apps 1.06%
|
Refinance Index 1.40%
|
Purchase Index 1.81%

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