Mortgage rates moved higher today, bringing them up to yet another 9-month high. Underlying bond markets ended the week in roughly the same shape as last week, but the mortgage bond market has been volatile over the past 3 days. That volatility makes it more expensive for lenders to guarantee any given rate, thus accounting for the new highs this week. It's very important to note that there were two examples of reasonably positive movement in rates this week (Tue/Thu) and that both of them were quickly eclipsed and replaced with new long-term highs on the following day. It's for this reason that I've continued to advocate a defensive stance despite periodic victories. Such victories are bound to occur in any interest rate environment. We need to see bigger victories and more of them if it's

January 26, 2018 Download our Mobile App: Download our Mobile App: Mortgage Rate Watch Another 9 Month High and Same Cautionary Tale For Mortgage Rates Mortgage rates moved higher today, bringing them up to yet another 9-month high. Underlying bond markets ended the week in roughly the same shape as last week, but the mortgage bond market has been volatile over the past 3 days. That volatility makes... (read more) Rob Chrisman LO Products and Jobs; FHA and VA Updates When I grow up I want to… live in a shipping container live in a shipping container ? Hey, don’t laugh… they’re here, and some suggest are a piece of solving the affordable housing problem. Hey, if the appraiser can find the... (read more) Housing News Freddie Mac Takes on More Loans, More Delinquencies in December Freddie Mac reported today that its total mortgage portfolio increased at an annualized rate of 9.0 percent in December. The portfolio balance at the end of the period was $2.098 trillion compared to $2.092 trillion at the end of November and $2.011 ... (read more) MBS Commentary MBS Live Day Ahead: What's it Going to Take? Today's chart is complicated at first glance, but I'll walk you through it step by step.  I'll also cover it in today's Huddle video for MBS Live members.  If you're not getting notifications when a new Huddle is available, you can enable... (read more) Mortgage Rate Watch Decent Day For Rates, But We Need More Than One Mortgage rates improved modestly today, bringing them back in line with Wednesday afternoon's best levels. After underlying bond markets overcame volatility associated with a monetary policy announcement from the European Central Bank, they were furt... (read more) MBS Commentary MBS Live Recap: Tons of Intraday Volatility Ends in Moderate Gains There were several exciting lead changes in today's game for bond markets.  The early inning were devoted to parsing the European Central Bank's (ECB) announcement and subsequent press conference from ECB President Draghi.  In a nutshell,... (read more) Mortgage Rates 30 Yr. Fixed Rate 6.77% -0.01% Rate Change Points Mortgage News Daily 30 Yr. Fixed 6.77% -0.01 0.00 15 Yr. Fixed 6.03% -0.01 0.00 30 Yr. FHA 6.35% 0.00 0.00 30 Yr. Jumbo 6.90% 0.00 0.00 7/6 SOFR ARM 6.25% +0.01 0.00 30 Yr. VA 6.36% 0.00 0.00 Updates Daily - Last Update: 7/22 15 Yr. Fixed Rate 6.03% -0.01% Rate Change Points Freddie Mac 30 Yr. Fixed 6.75% +0.03 0.00 15 Yr. Fixed 5.92% +0.06 0.00 Updates Weekly - Last Update: 7/17 Rate Change Points Mortgage Bankers Assoc. 30 Yr. Fixed 6.82% +0.05 0.62 15 Yr. Fixed 6.11% +0.07 0.66 30 Yr. Jumbo 6.81% +0.12 0.39 Updates Weekly - Last Update: 7/16 MBS / Treasuries UMBS 30YR 5.5 99.49 -0.02 Price / Yield Change MBS UMBS 5.5 99.50 -0.01 UMBS 6.0 101.36 -0.04 GNMA 5.5 99.72 -0.06 GNMA 6.0 101.28 -0.04 Pricing as of: 7/23 8:21AM EST 10 Year US Treasury 4.3649 +0.0189 Price / Yield Change US Treasury 2 YR Treasury 3.843 +0.014 5 YR Treasury 3.897 +0.012 7 YR Treasury 4.109 +0.011 10 YR Treasury 4.357 +0.011 30 YR Treasury 4.924 +0.007 Pricing as of: 7/23 8:21AM EST Latest Video Veteran trader Art Cashin weighs in on Friday's record highs Fourth-quarter GDP up 2.6% Federated: Dollar weakness is a little overdone Around the Web communitycapital.unc.edu Housing Leaders Come Together to Identify Opportunities to Build Financial Capability CNBC Trump's performance at Davos was calming, critics say NPR At The World Economic Forum, Trump Tries To Sell 'America First' Message CNBC Dow pops more than 200 points, stocks notch record close on strong earnings CNBC Economist Larry Summers bashes GOP tax reform: 'We've mortgaged our future' CNBC Tweet showing how hard it is to afford rent on minimum wage goes viralthere's just one problem CNBC New York, New Jersey and Connecticut say they will sue federal government over SALT caps Bloomberg Orders for US Durable Goods Increase by Most in Six Months Bloomberg Blame the Shutdown for Extent of Miss on Fourth-Quarter US GDP NAHB Eye on Housing Cash Sales Tie Post-Recession High Calculated Risk Blog Q4 GDP: Investment consumerfinancemonitor.com CFPB finalizes changes to the Prepaid Account Rule and further delays effective date Calculated Risk Blog BEA: Real GDP increased at 2.6% Annualized Rate in Q4

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