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MBS Day Ahead: Clear Reaction to Presidential Debate, But There's...

MBS RECAP: Treasury Consolidation Runs Out of Room, But MBS Keep...

MBS Day Ahead: Presidential Debate Could Offer Hints at Bonds'...

MBS RECAP: Jobs Week. Now Can We Break The Range?

MBS Week Ahead: Jobs Week. Now Can We Break The Range?

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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 (42)

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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...
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...
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

Mortgage Rate Watch

Mortgage Rates Still Sideways to Slightly Lower

The average mortgage lender continues to offer top tier conventional 30yr fixed rates in the "high 2% to low 3%" neighborhood. Exactly where any given...
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Perfect Storm For Home Prices?

The growth of home prices nationally continued to accelerate in July according to the S&P CoreLogic Case-Shiller U.S. National Home Price NSA Index...
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MBS Day Ahead: Presidential Debate Could Offer Hints...

The absence of volatility in the bond market cannot be overemphasized at the moment, or during most any moment since mid August. Rather than drift toward...
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Here's a brief video refresher of our tax code if anyone needs it. If eight months ago someone had told you to pick a country where there is a mudslinging...
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MBS RECAP: Jobs Week. Now Can We Break The Range?

Jobs Week. Now Can We Break The Range? The end of the week brings the first Friday of the month (of October!) and thus the big jobs report--the economic...
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More New Homes Bought With Non-Conventional Financing...

Non-conventional lending enjoyed a substantial increase in its share of the market for financing new home purchases in 2019. The National Association of...
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MBS Week Ahead: Jobs Week. Now Can We Break The Range...

The end of the week brings the first Friday of the month (of October!) and thus the big jobs report--the economic data that has ruled all others throughout...
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Hiring Process Analysis; Sales, Marketing, Fee Collection...

Thank you to those who wrote commenting about the Yelp study showing that 164,000 businesses across our nation have closed since March . “Bouncing...
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MBS RECAP: Treasuries, MBS Back on Same Page After...

Treasuries, MBS Back on Same Page After 2 Weeks On Different Paths MBS prices were generally losing ground, albeit at a modest pace, over the past two...
Mortgage Rate Watch

Stellar Housing Data; Rates Inching Lower

Mortgage Rate Update Considering this week's generally positive drift in rates, we shouldn't expect lenders to get less busy any time soon. In recent weeks...
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Forbearances Ending at a Faster Pace

Black Knight said its weekly forbearance survey found the number of mortgages in active forbearance decreasing at an accelerated rate. Those mortgages...
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MBS Day Ahead: Treasuries, MBS Back on Same Page After...

Bear with me while I'm forced to crank up the power on my analytical microscope in order to find anything interesting to say about one of the least...
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70% of Freddie's Portfolio Suggests Refis Aren't...

Freddie Mac reported this week that its total mortgage portfolio increased at an annualized rate of 27.7 percent in August compared to a 20.0 percent gain...
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FHFA's Official Report on Q2 Mortgage Relief Numbers

In its 2 nd quarter Foreclosure Prevention and Refinance Report the Federal Housing Finance Agency (FHFA) says it has helped almost 4.7 million distressed...
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TGIF! Do Fridays mean as much as they did up until mid-March? Yes! Well, maybe. How about some non-mortgage stuff? There is, after all, life outside of...
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MBS RECAP: MBS Outperform; Bonds Stay Defiantly Sideways...

MBS Outperform; Bonds Stay Defiantly Sideways Overall The stock market tried a few different moves on the bond market today and while correlation is still...
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New Home Sales Crush Forecasts, Soaring to 14-Year...

Once again new home sales exceeded expectations, this time by a lot. Sales of newly built homes rose 4.8 percent in August, to a seasonally adjusted annual...
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MBS Day Ahead: Where Would We Be Without Stocks?

It's no secret that the bond market has been sideways for a month and a half by even the strictest definitions, and broadly sideways since first settling...
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Serious Delinquencies Grow, but Fewer Overall Missed...

As the COVID-19 crisis dragged into its sixth month in August the total number of mortgage delinquencies continued to ebb, but the rate of decline appears...
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Ops, LO, AE Jobs; Broker, Construction, MSR Management...

I need to make a dart board for the wall behind me for Zoom calls that has “rates up” and “rates down” and “rates the same”...

Mortgage Rates:

30 Yr FRM 2.98%
|
15 Yr FRM 2.61%
|
Jumbo 30 Year Fixed 3.35%

MBS Prices:

30YR FNMA 4.5 108-04 (-0-00)
|
30YR FNMA 5.0 109-17 (-0-01)
|
30YR FNMA 5.5 110-14 (0-00)

Recent Housing Data:

Mortgage Apps -4.81%
|
Refinance Index -6.51%
|
Purchase Index -1.87%

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