Apparently we aren't all procrastinators. Black Knight Financial Services looked at Internal Revenue Service (IRS) filing statistics and how they relate to loan level mortgage performance data for its current edition of Mortgage Monitor and found that 40 percent of tax filers are in and done by the first week in March. In fact, half of that number or one in five have finished and filed their returns within the first two weeks of tax season. The company says incentive plays a role in this diligence as Americans who file early are more likely to be expecting a refund. On average, they also receive a larger refund than those who file later. The average refund for those filing on or before February 5 th was $3,400, more than 35 percent higher than the refund for those filing in early April and

February 6, 2017 Download our Mobile App: Download our Mobile App: Housing News Connection Between Tax Refunds and Mortgage Delinquencies Apparently we aren't all procrastinators. Black Knight Financial Services looked at Internal Revenue Service (IRS) filing statistics and how they relate to loan level mortgage performance data for its current edition of Mortgage Monitor and found tha... (read more) Rob Chrisman Good News for Thornburg; Upcoming Events and Training; Investor News Tomorrow we’ll take a deep look at potential future Dodd-Frank changes , but for something more concrete the Census Bureau told us that U.S. home ownership last quarter stood at nearly 64%. This is a slight rebound from its 52-year low in the s... (read more) MBS Commentary MBS Live Day Ahead: Bonds Try to Keep Big-Picture Hope Alive; Light Data Calendar There is almost no significant economic data on tap for this week.  Friday is really the only contender with Import/Export Prices and Consumer Sentiment.  Neither of those are typically big market movers, but both may get more attention t... (read more) Mortgage Rate Watch Mortgage Rates Drop to 2-Week Lows Mortgage rates moved lower today as investors sought safe haven from global political risk in the bond market. When investor demand for bonds increases, rates generally fall, all things being equal. Today's improvement was fairly healthy, too. You'd ... (read more) Mortgage Rate Watch Mixed Day Leaves Rates Slightly Higher Mortgage rates were noticeably lower this morning as bond markets responded favorably to the important jobs report. While the headline job growth was stronger than expected (typically bad for rates), wages came in much lower than expected and were re... (read more) MBS Commentary MBS Live Recap: Paradoxical NFP Rally Undone By Fed-Speak Nonfarm payrolls came in at 227k vs a median forecast of 175k.  This fact, in and of itself, would almost always be grounds for bond market weakness, but that wasn't the case today.  Mitigating factors abound: 1. The 175k forecast was o... (read more) Mortgage Rates 30 Yr. Fixed Rate 6.73% +0.06% Rate Change Points Mortgage News Daily 30 Yr. Fixed 6.73% +0.06 0.00 15 Yr. Fixed 5.97% +0.06 0.00 30 Yr. FHA 6.25% +0.06 0.00 30 Yr. Jumbo 6.84% +0.04 0.00 7/6 SOFR ARM 6.33% +0.04 0.00 30 Yr. VA 6.26% +0.06 0.00 Updates Daily - Last Update: 7/2 15 Yr. Fixed Rate 5.97% +0.06% Rate Change Points Freddie Mac 30 Yr. Fixed 6.77% -0.04 0.00 15 Yr. Fixed 5.89% -0.07 0.00 Updates Weekly - Last Update: 6/26 Rate Change Points Mortgage Bankers Assoc. 30 Yr. Fixed 6.88% +0.04 0.63 15 Yr. Fixed 6.11% -0.03 0.74 30 Yr. Jumbo 6.88% +0.07 0.60 Updates Weekly - Last Update: 6/25 MBS / Treasuries UMBS 30YR 5.5 99.90 +0.05 Price / Yield Change MBS UMBS 5.5 99.90 +0.05 UMBS 6.0 101.60 +0.04 GNMA 5.5 100.05 +0.08 GNMA 6.0 101.46 +0.05 Pricing as of: 7/3 1:47AM EST 10 Year US Treasury 4.2661 -0.0137 Price / Yield Change US Treasury 2 YR Treasury 3.770 -0.018 5 YR Treasury 3.851 -0.016 7 YR Treasury 4.039 -0.017 10 YR Treasury 4.265 -0.015 30 YR Treasury 4.790 -0.019 Pricing as of: 7/3 1:47AM EST Latest Video Pisani: Everyone realizing Trump's plans are a 2018 event Ultra-wealthy investors bullish on real estate Santelli Exchange: Fund flows & the economy Around the Web Bloomberg Treasuries Rise Following European Debt on French Election Risk Calculated Risk Blog U.S. Courts: Bankruptcy Filings Drop 6 Percent in 2016, Lowest since 2006 Reuters ECB sees seeds of next crisis in Trump deregulation plan CNBC Reform goal: Show that bankers aren't the bad guys anymore CNBC Cashin on Fed rate hikes: 'I don't think they're going to be able to do 3' NY Times The Economic Growth That Experts Can't Count Market Watch Draghi says it isn't time to stop QE in Europe CNBC US stocks open lower amid Trump policy worries builderonline.com February is Most Affordable Month for Home Buyers Gallup Post-Holiday US Consumer Spending Shows Typical Decline bkfs.com Black Knight's December Mortgage Monitor: Historical Data Suggests Up to 300,000 Delinquent Borrowers May Use Tax Refunds to Pay Mortgages Current Bloomberg Gross Says Investors Must Embrace 'Financial Methadone' of QE Bloomberg The Mortgage-Bond Whale That Everyone Is Suddenly Worried About

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