CoreLogic says mortgage delinquencies in January were the lowest for that month in 20 years . Meanwhile, in a separate report, they note that non-mortgage consumer debt has been edging up, due in part to a deterioration in lending standards. The company's Loan Performance Insights Report for January puts the national delinquency rate (the percentage of outstanding mortgage loans that were 30 or more days past due including loans in foreclosure) at 4.0 percent, down from 4.9 percent in January 2018. In 2010, at the height of the financial crisis, the January delinquency rate hit a peak of 12.0 percent. This continues a trend that started last March. CoreLogic says that since then the monthly delinquency rate has been lower than the corresponding months during 2000 to 2006, before the start of

April 9, 2019 Download our Mobile App: Download our Mobile App: Housing News Mortgage Delinquencies Down, Other Consumer Debts Creep Up CoreLogic says mortgage delinquencies in January were the lowest for that month in 20 years . Meanwhile, in a separate report, they note that non-mortgage consumer debt has been edging up, due in part to a deterioration in lending standards. The comp... (read more) MBS Commentary MBS Live Day Ahead: Light News Day as Markets Level-Off There are no significant economic reports or scheduled events on the calendar today, unless you count the 3yr Treasury auction at 1pm (and you probably shouldn't).  That leaves bonds in the same positions as stocks and European markets.  Al... (read more) Rob Chrisman Capital Markets; Single Security Playbook; Vendor-Mania! Free ice cream at Ben & Jerry’s Scoop Shops today? Count me in! Going back a few days, in Saturday’s commentary I mentioned a company offering blockchain HELOCs to brokers and correspondents. In other tech news, Bitcoin was used as co... (read more) Housing News Home Buyers (And Sellers) Much More Upbeat in March A few couple of warm days, the appearance of a few tulips, and wham, homebuyer sentiment goes through the roof. At least the results from the March National Housing Survey (NHS) seem to support that theory. Net positive responses to whether it is cur... (read more) MBS Commentary MBS Live Recap: Still Waiting For Something to Finish What Jobs Report Should Have Started Back on Thursday afternoon, bonds/rates looked like they were just wrapping up the process of rising into position between the old range and the new range (2.52-2.55%).  With NFP being the big market mover that it is, the expectation was that ra... (read more) Mortgage Rate Watch Mortgage Rates Edge Slightly Higher Mortgage rates were flat-to-slightly-higher yet again today. Whereas that depended on the lender yesterday, today's weakness was more universal. That's not to say it was extreme, however. The average lender would still be quoting the same note rate a... (read more) Mortgage Rates 30 Yr. Fixed Rate 6.78% +0.01% Rate Change Points Mortgage News Daily 30 Yr. Fixed 6.78% +0.01 0.00 15 Yr. Fixed 6.04% +0.01 0.00 30 Yr. FHA 6.36% +0.01 0.00 30 Yr. Jumbo 6.90% 0.00 0.00 7/6 SOFR ARM 6.25% 0.00 0.00 30 Yr. VA 6.38% +0.02 0.00 Updates Daily - Last Update: 7/23 15 Yr. Fixed Rate 6.04% +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 6.84% +0.02 0.62 15 Yr. Fixed 6.14% +0.03 0.69 30 Yr. Jumbo 6.75% -0.06 0.70 Updates Weekly - Last Update: 7/23 MBS / Treasuries UMBS 30YR 5.5 99.37 -0.14 Price / Yield Change MBS UMBS 5.5 99.38 -0.13 UMBS 6.0 101.31 -0.09 GNMA 5.5 99.64 -0.13 GNMA 6.0 101.28 -0.05 Pricing as of: 7/23 8:49PM EST 10 Year US Treasury 4.3837 +0.0377 Price / Yield Change US Treasury 2 YR Treasury 3.878 +0.049 5 YR Treasury 3.932 +0.047 7 YR Treasury 4.144 +0.046 10 YR Treasury 4.386 +0.040 30 YR Treasury 4.942 +0.025 Pricing as of: 7/23 8:49PM EST Latest Video January new home sales drop nearly 7% Bank of America CEO: Loan demand showing consistent growth UK parliament votes on options to delay Brexit January new home sales fall short of expectations, down 6.9 percent Around the Web Reuters EU to agree Brexit delay but France pushes for conditions Calculated Risk Blog Seattle Real Estate in March: Sales down 7.8% YoY, Inventory up 136% YoY from Low Levels Redfin In Atlanta, Nearly Half of Homes For Sale Are Affordable on the Nation's Median Income. In San Francisco? Less Than 1%. NAR - Realtor.com Forget Everything You've Heard About First-Time Homebuyers. They're Doing All Right. CNBC Mortgage rates are low. Here's how to figure out the best plan for your budget Calculated Risk Blog BLS: Job Openings Decreased to 7.1 Million in February Bloomberg Banks' Last Hurrah From Fed Likely Means 2019 Has Already Peaked CNBC IMF cuts 2019 growth outlook again, says risks are 'skewed to the downside' Calculated Risk Blog Small Business Optimism Index increased slightly in March Reuters How Wells Fargo's regulators and employees drove out its CEO Bloomberg Brexit Bulletin: Pleading for Time Bloomberg EU Draws Closer to Deal on Brexit Delay as Core Leaders Plan to Meet CNBC Climate change will crush real estate values for investors who don't prepare, new report says

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