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MBS RECAP: Respectable Recovery After Morning Drama

MBS Day Ahead: Overnight Losses Provide Reminder About Complacency...

MBS RECAP: Stronger Case For Stability, But Not Complacency

MBS Day Ahead: Trying to Set a New Thursday Trend

MBS RECAP: No Reaction to Fed Minutes (Or Anything Else For That...

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2020 Property Tax Increases Outpaced Inflation

Forbearance Decline Largest in Six Months

Sales Mgt., MLO Jobs; Non-QM, Processing, ECOA, Subservicing...

Mortgage Rates Lowest in Nearly a Month

Jumbo Loans Easier to Obtain as Economy Recovers

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Property Taxes Outpacing Inflation; Forbearances Decline; Victory For Rates

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MBS Basics: Part 1 | Part 2 | Part 3 | Part 4 | The Gut Flop

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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

Comments (43)

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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 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...
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...
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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Another Tentatively Decent Day For Rates

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No Reaction to Fed Minutes (Or Anything Else For That Matter) It's been a light week in terms of scheduled data and events with the power to motivate...
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People Are Finally Starting to Think About Selling...

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Pandemic Threatens Women's Growing Homeownership...

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Mortgage application volume declined for the fifth straight week during the period ending April 2, and by the largest amount over that period. The Mortgage...
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Mortgage Rate Outlook May Be Improving

Things have been bad for mortgage rates in 2021. That assertion has nothing to do with the outright level of mortgage rates--indeed, that's still very...
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MBS RECAP: Evidence For a Ceiling Continues to Accumulate

Evidence For a Ceiling Continues to Accumulate All the normal disclaimers are in order: - This is a rising rate environment until proven otherwise. - Floating...
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Realtors Say Staging a Home Increased Offered Prices...

Does staging really work? That was among the home buying and selling topics covered in a new survey from the National Association of Realtors® (NAR...
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Despite Pandemic, Homeowners View Housing as a Good...

Fannie Mae says results from its fourth quarter 2020 National Housing Survey show that consumers continue to view homeownership as a good investment. Respondents...
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Home Price Surge Seen Slowing After Record Run

CoreLogic's February Home Price Index (HPI) essentially echoed that the price report last week from Black Knight. The company said that its index recorded...
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Global financial markets are entirely open today for the first time since last Thursday, thus giving us a chance to see if this month's momentum will...
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Mortgage Rates:

30 Yr FRM 3.29%
|
15 Yr FRM 2.75%
|
Jumbo 30 Year Fixed 3.33%

MBS Prices:

30YR FNMA 4.5 108-21 (0-01)
|
30YR FNMA 5.0 110-19 (0-05)
|
30YR FNMA 5.5 111-13 (-0-03)

Recent Housing Data:

Mortgage Apps -2.51%
|
Refinance Index -5.12%
|
Purchase Index -100.00%

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