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"so funny, I just heard a ridiculous rate being offered by TD..."
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"One of the most important things I try to impact to my clients and referral partners is that service is first and foremost, a "great rate" doesn't matter so much if loan doesn't close or is a cluster you know what to get done due to lender inefficiency, capacity, or business model...."
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"RTRS- ECB'S DRAGHI SAYS "I GUARANTEE" THAT WILL NOT USE HIGHER INFLATION RATE TO SOLVE DEBT CRISIS..."
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"Uh oh. Throwing around guarantees. Sure sign that will blow up in his face. Here comes higher inflation for the ECB...."
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"For the layman here, why did we switch coupons?..."
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"because 3.0 is no mo..."
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"no one seems to be trading the 3.0..."
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"originations had been in the process of switching to primarily fall into the 3.5 coupon bucket last week. It could have been any time last week and still been appropriate, but I was waiting for NFP to have its say...."
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"At this point Moshe, 4.0s would be more heavily originated than 3.0s (but as always, you will know this before MBS Prices or I can tell you because you will see the evidence on rate sheets. If we moved from a rate range centered on 3.625 to a rate range centered on 4.125, then we've moved from 3.0 to..."
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"note: that math may become incrementally less applicable as future G-Fee increases hit...."
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"Hi - I am a consumer that is getting a new purchase loan. I have just received commitment (30yr Conventional) but am fretting on when to lock. When I started the application process (mid May), rates were almost .5% lower. I am looking on advice on when I should lock, does the industry feel that rates..."
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"As most of the mortgage consultant commentators like to say, in these volatile times, it is wise to lock. Particularly in regards to a purchase, why take chances? Perhaps your lender, as we do, has a policy that if there is a significant drop like back down .375% or .500% in rate...a lower rate may be..."
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