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

MBS RECAP: Big Victory This Week (In Response To Last Week's...

MBS Day Ahead: Bonds Not Threatened By Stimulus; Consolidation...

MBS RECAP: Bonds Playing it Extra Safe Ahead of Biden's Stimulus...

MBS Day Ahead: Waiting On Stimulus Details, Shrugging Off Early...

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The Real Story Behind The Past 2 Weeks of Mortgage Rate Volatility

Improvements in Forbearance Continue to Slow

Freddie Sees Mortgage Originations Contracting Nearly 20% in...

Post-2008 Standardized Practices Have Helped Manage Forbearances

Retail, Ops Jobs; Appraisal, Non-QM, Jumbo, DPA Products; Industry...

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Real Story Behind Rate Volatility; Slower Forbearance Improvement; Origination Forecast

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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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More From MND

MND NewsWire

Improvements in Forbearance Continue to Slow

A decline in the number of forborne loans in those portfolios serviced for banks and private label securities (PLS) accounted for most of the modest downturn...
MND NewsWire

Freddie Sees Mortgage Originations Contracting Nearly...

Freddie Mac's first quarter 2021 economic forecast is unusually short, and, unlike recent forecasts from either of the GSEs, has relatively few revisions...
MND NewsWire

Post-2008 Standardized Practices Have Helped Manage...

Fannie Mae said that the standardization of servicing standards that followed the 2008 housing crisis appears to have helped the industry manage the recent...
Pipeline Press

Retail, Ops Jobs; Appraisal, Non-QM, Jumbo, DPA Products;...

As Flagstar’s Marcus L. points out, “1999 doesn't sound like that long ago until you realize that people with a birth year starting with ‘2’...
MBS Commentary

MBS Day Ahead: Bonds Not Threatened By Stimulus; Consolidation...

After the GA senate elections, the bond market immediately knew it needed to prepare for additional stimulus, even if moderate democratic voices might...
MBS Commentary

MBS RECAP: Bonds Playing it Extra Safe Ahead of Biden's...

Bonds Playing it Extra Safe Ahead of Biden's Stimulus Details As we discussed yesterday, the strong mid-week rally suggested a good amount of short...
MBS Commentary

MBS Day Ahead: Waiting On Stimulus Details, Shrugging...

A few hours after markets closed yesterday, news began coming out regarding a Biden aide mentioning tonight's stimulus proposal would be in the $2...
Pipeline Press

Warehouse, Sales Jobs; Digital, AMC, Pricing Tools;...

With the money I’m saving on “Dry January,” I was able to buy some great edibles at the dispensary yesterday. “Come on, come on...
Mortgage Rate Watch

Mortgage Rates Continue Healing, But Remain Well Above...

Mortgage rates had another solid day today--this time without any of the early drama seen yesterday. If you're just getting caught up, the bond market...
MBS Commentary

MBS RECAP: Important Victory For Bonds, and Another...

Important Victory For Bonds, and Another Battle Ahead Rates rallied today. Despite a positive reaction to a strong 30yr bond auction, it looks like traders...
Pipeline Press

Retail, Recruiting Jobs; Servicing, Appraisal, Income...

There are plenty of MLOs (mortgage loan originators) out there very pleased with their earnings for 2020. In a non-random sample, several CEOs with whom...
MBS Commentary

MBS Day Ahead: An Important Day For Bonds' Attempt...

With yesterday offering the first legitimate push back against the recent sell-off, today becomes one of three critically important days in establishing...
MND NewsWire

Refi Applications Highest Since March

It was a typical first-work-week-after-the holiday bounce for the mortgage indexes, although the surge was significantly more restrained than last year...
MND NewsWire

Tentative Recovery in Mortgage Availability With Help...

While it did dip a bit last month, the availability of mortgage credit appears to be stabilizing , having moved only slightly over the last three months...
Mortgage Rate Watch

Mortgage Rates Find Some Support After an Ugly Start

Mortgage rates were off to a very bad start this morning, but recovered a portion of what they lost by the end of the day. The specifics depend greatly...
MBS Commentary

MBS RECAP: Much-Anticipated Correction Finally Arrives...

Much-Anticipated Correction Finally Arrives. Now What? This morning's alert noted a scary scenario playing out in bonds due to a confluence of big...
MND NewsWire

Although Gradually Improving, Delinquencies Remain...

The rate of mortgage delinquencies remains significantly elevated from last year, but there is gradual improvement . The national rate moved higher in...
MBS Commentary

MBS Day Ahead: Scary Scenario Playing Out in Bonds...

This morning's alert notes that the bond market is in the midst of one of its scarier scenarios. The ingredients are as follows: a long run in a record...
Pipeline Press

Sales, MLO Jobs; Home Ownership, Non-QM, PPE, Sales...

Nearly two weeks into 2021 already? I was just getting used to saying “2020.” Now I have to add a syllable every time. “One.” There’s...
Mortgage Rate Watch

Rates Rising at Fastest Pace in Months

Mortgage rates are coming off a rough week-- the roughest , in fact, since June 2020 by some measures. That's the last time rates rose this quickly for...

Mortgage Rates:

30 Yr FRM 2.87%
|
15 Yr FRM 2.38%
|
Jumbo 30 Year Fixed 3.33%

MBS Prices:

30YR FNMA 4.5 108-18 (0-01)
|
30YR FNMA 5.0 110-16 (-0-01)
|
30YR FNMA 5.5 111-17 (0-07)

Recent Housing Data:

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

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