A securities expert told an audience at the National Association of Realtors' (NAR's) annual conference that cybercrimes against real estate agents and companies are increasing at a record-setting pace. Robert Siciliano, CEO of Safr.Me, said those crimes, which include transfer fraud and compromised records in real estate transactions, have increased over the past two years. This year, due to poor security systems and neglectful behaviors, the crimes appear to be growing faster than ever. Agent and companies have to defend information from spyware, malware, ransomware and keyloggers. "Equifax's data breach affected 143 million people," Siciliano, who was once a victim of a cybercrime himself, said "So, the bad guys already have your identity. Maybe you have been affected, maybe not, but it

November 12, 2019 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.37% +0.15%   6.13% 7.26% 15 Yr. Fixed 5.88% +0.13%   5.54% 6.59% 30 Yr. Jumbo 6.25% +0.11%   6.14% 7.45% Compare Mortgage Rates from Local Lenders for Nov 12, 2019 Mortgage Rates Holding Near 3-Month Highs Fri, Nov 8, 2019 4:17PM Mortgage rates launched to their highest levels in more than 3 months yesterday for a variety of reasons. Chief among them was a series of comments from both China and the US about the intent to cancel previously announced tariffs as a part of the phase 1 trade deal. Tariffs and trade have been weighing on the economic outlook in a big way, and that's benefited interest rates. Anything that lessens the weight has the opposite effect. Notably, the bond market failed to improve very much today even after Trump said that there was no agreement to roll back tariffs yet, even though there was a cle... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.37% +0.15 0.00 15 Yr. Fixed 5.88% +0.13 0.00 30 Yr. FHA 6.05% +0.10 0.00 30 Yr. Jumbo 6.25% +0.11 0.00 7/6 SOFR ARM 5.77% +0.12 0.00 30 Yr. VA 6.07% +0.09 0.00 Updates Daily - Last Update: 9/18 Freddie Mac Rate Change Points 30 Yr. Fixed 6.26% -0.09 0.00 15 Yr. Fixed 5.41% -0.09 0.00 Updates Weekly - Last Update: 9/18 Mortgage Bankers Assoc. 30 Yr. Fixed 6.49% -0.15 0.56 15 Yr. Fixed 5.70% -0.14 0.55 30 Yr. Jumbo 6.44% -0.14 0.48 Updates Weekly - Last Update: 9/10 UMBS 30YR 5.0 99.50 -0.05   95.05 100.47 UMBS 30YR 5.5 101.07 +0.00   97.47 101.61 10 YR Treasury 4.108 +0.004   3.706 4.780 MBS Live Week Ahead: Bonds Staging at 2019's Most Important Crossroads Tue, Nov 12, 2019 9:44AM 1.90% has been the most important, most dangerous ceiling for 10yr Treasury yields ever since a nasty selling spree stalled out there exactly 2 months ago.  We'd been able to avoid an outright confrontation until last week's trade deal optimism and bond supply concerns prompted a surge all the way up to 1.973%.   When yields a... (read more) MBS Price Change UMBS 4.5 97.41 -0.05 UMBS 5.0 99.50 -0.04 UMBS 5.5 101.07 +0.01 GNMA 4.5 97.51 +0.01 GNMA 5.0 99.74 -0.01 GNMA 5.5 100.90 +0.01 Pricing as of: 9/19 12:07AM EST US Treasury Yield Change 2 YR Treasury 3.562 -0.002 5 YR Treasury 3.662 -0.005 7 YR Treasury 3.854 +0.004 10 YR Treasury 4.108 +0.004 30 YR Treasury 4.728 +0.004 Pricing as of: 9/19 12:07AM EST Other News NAR Addresses Cybersecurity, Says Take Precautions Tue, Nov 12, 2019 11:10AM A securities expert told an audience at the National Association of Realtors' (NAR's) annual conference that cybercrimes against real estate agents and companies are increasing at a record-setting pace. Robert Siciliano, CEO of Safr.Me, said those crimes, which include transfer fraud and compromised records in real estate transactions, have increased over th... (read more) Affordability Improves Even as Appreciation Accelerates Thu, Nov 7, 2019 11:29AM Are home price increases cranking up again? The quarterly report from the National Association of Realtors® (NAR) on existing home sales and metropolitan home prices seem to indicate that is the case. NAR says that the overwhelming majority of the metro areas they track experienced both price gains and very limited inventory growth in the third quarter o... (read more) Disaster Aftermath Can Make Losses Worse Fri, Nov 8, 2019 8:04AM The storm is over, the fires are out, but anyone who has survived a natural disaster, and that is more of us every year, knows that the problems are just beginning. A new report by CoreLogic looks at how a demand surge sparked by rebuilding efforts may or may not affect the recovery in a disaster's aftermath. By demand surge they are referring to a sudden in... (read more) Compensation, Sales, Underwriting Tools; Tariffs, Trade, and Rate Primer Tue, Nov 12, 2019 8:38AM Everyone has a different opinion about the economy. “Nobody’s right, if everybody’s wrong” or “Everybody’s right (eventually), if nobody’s wrong.” How many times do we hear, “Even if interest rates are low, tight lending and high home prices stand as barriers to potential buyers.” Global central ban... (read more) Latest Video Here's what Wall Street is expecting from Trump's New York Economic Club sp... Leuthold's Paulsen: Economic data is driving bond yields, stock prices high... Boockvar: "The economy's slowing, and we have to deal with that reality" The markets think we're in a trade truce, strategist says Around the Web Reuters Fed's election year challenge: Is slowing U.S. job growth a 'material' change? Reuters No tariff adjustments until deal made, Kudlow says: CNBC Reuters Fed's Harker says he opposed last rate cut, thinks rates should stay put Bloomberg JPMorgan AM Says Days of Simply Hedging Risk With Bonds Are Over - Bloomberg NAR - Realtor.com Portland Suburb's Proposed Law Could Discourage Home Development Bloomberg AbbVie Kicks Off Mega Bond Sale to Finance Allergan Acquisition - Bloomberg Reuters Trump barks at Fed but offers no fresh details on trade in NY speech NAHB Eye on Housing A Minority of Home Buyers Expect House Search to Get Easier Soon Bloomberg Fed Likely to Defy History With Rates Steady Through Elections Calculated Risk Blog Small Business Optimism Index Increased Slightly in October Reuters Homebuilder Horton sees 2020 home sales above estimates, shares rise Federal Reserve Clarida, Monetary Policy, Price Stability, and Equilibrium Bond Yields: Success and Consequences NAR - Realtor.com Here's the No. 1 Reason Why Military Veterans Are Denied a VA Mortgage

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