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Rancho Bernardo, CA Real Estate News

By Jason E. Gordon, Sr Loan Officer, CMA, CMPS, CDLP, CDRE, RCSD, CDPE
(CMG Mortgage, San Diego, CA)
After a down afternoon yesterday, combined with little news this morning, Mortgage Backed Securities have declined throughout the day.  The net result is approximately 0.250% - 0.375% WORSE to the points/credits associated with any given interest rate option. This daily mortgage interest rate report is designed to provide Borrowers & Real Estate Profesionals with factual data regarding where rates are at any given time and what trends are propelling current mortgage pricing on any given day. Feel free to browse the library and research historical rate updates dating back over 2 years at www.JasonGordon.info whenever desired.  To make things easier, I have also posted a quick report on How To Read The Charts Below. Also, make sure to learn THE TOP 10 THINGS TO KNOW ABOUT MORTGAGE RATES (...
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By Bill Ladewig, Experience Is Your Advantage
(LoanOfficerSchool.com)
MORTGAGE INTEREST RATE LOCK ADVISORY January 10, 2014  8:00 AM PST  Click for Updated Lock Advice     LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 4.00% rate based on Mortgage Backed Securities is Down 0.59 point 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     National Average for 30-Yr Fixed Mortgage Rate is down 0.02% to 4.51% on Jan. 9 MBS (4%) - Currently  103.47, High: 103.52, Low: 102.88 DJI Stocks currently $16,411.39,  Down $-33.37, Change -0.203% Asian & European Stock Market Indexes changed 0.406% Crude Oil (WTI) Currently $92.18 - Change 0.57% Gold 1 Once - $1,245.16 REAL ESTATE & MORTGAGE NEWS Slow Week Sees Mixed News for Mortgage Rates  By: Tory Barringer -This week saw conflicting reports of inter...
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By Jason E. Gordon, Sr Loan Officer, CMA, CMPS, CDLP, CDRE, RCSD, CDPE
(CMG Mortgage, San Diego, CA)
Weaker than expected Pending Home Sales data has helped Mortgage Backed Securities to slightly rally this morning. The result has been a "market opening" of roughly 0.125 - 0.250 better to the points/credits associated with any given interest rate. This daily mortgage interest rate report is designed to provide Borrowers & Real Estate Profesionals with factual data regarding where rates are at any given time and what trends are propelling current mortgage pricing on any given day. Feel free to browse the library and research historical rate updates dating back over 2 years at www.JasonGordon.info whenever desired.  To make things easier, I have also posted a quick report on How To Read The Charts Below. Also, make sure to learn THE TOP 10 THINGS TO KNOW ABOUT MORTGAGE RATES (to help und...
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By Bill Ladewig, Experience Is Your Advantage
(LoanOfficerSchool.com)
MORTGAGE INTEREST RATE LOCK ADVISORY December 23, 2013  9:12 AM PST  Click for Updated Lock Advice     LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 4.00% rate based on Mortgage Backed Securities is up 0.00 point 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     National Average for 30-Yr Fixed Mortgage Rate is up 0.05% to 4.47% on Dec. 19 MBS (4%) - Currently  103.25, High: 103.28, Low: 103.11 DJI Stocks currently $16,304.02,  Up $82.88, Change 0.508% Asian & European Stock Market Indexes changed 0.531% Crude Oil (WTI) Currently $98.89 - Change -0.43% Gold 1 Once - $1,200.70 REAL ESTATE & MORTGAGE NEWS NAR Chief Economist Recounts a Year of Surprises  By: Krista Franks Brock -According to Lawrence Yun, chief econo...
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By Bill Ladewig, Experience Is Your Advantage
(LoanOfficerSchool.com)
MORTGAGE INTEREST RATE LOCK ADVISORY December 17, 2013 8:15 AM PST  Click for Updated Lock Advice     LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 3.50% rate based on Mortgage Backed Securities is down 0.17 point Rate prices are down this morning and it would be a good time to lock. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     National Average for 30-Yr Fixed Mortgage Rate is up 0.04% to 4.42% on Dec. 12 MBS (3.5%) - Currently  99.88, High: 99.98, Low: 99.74 DJI Stocks currently $15,842.58,  Down $-41.99, Change 0% Asian & European Stock Market Indexes changed -0.434% Crude Oil (WTI) Currently $97.69 - Change 0.22% Gold 1 Once - $1,230.51 REAL ESTATE & MORTGAGE NEWS   West Home to Healthiest Housing Markets  ...
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By Bill Ladewig, Experience Is Your Advantage
(LoanOfficerSchool.com)
MORTGAGE INTEREST RATE LOCK ADVISORY December 12, 2013  7:30 AM PST  Click for Updated Lock Advice     LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 3.50% rate based on Mortgage Backed Securities is up 0.09 point 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     National Average for 30-Yr Fixed Mortgage Rate is up 0.17% to 4.46% on Dec. 5.. MBS (3.5%) - Currently 99.59, High: 99.71, Low: 99.54 DJI Stocks currently $15,771.25, Down $-72.28, Change 0% Asian & European Stock Market Indexes changed -1.001% Crude Oil (WTI) Currently $97.81 - Change 0.38% Gold 1 Once - $1,227.18   REAL ESTATE & MORTGAGE NEWS RealtyTrac: Foreclosure activity sees biggest drop in 3 years By Brena Swanson - The foreclosure inventory continu...
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By Bill Ladewig, Experience Is Your Advantage
(LoanOfficerSchool.com)
MORTGAGE INTEREST RATE LOCK ADVISORY December 11, 2013  11:45 AM PST  Click for Updated Lock Advice     LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 3.50% rate based on Mortgage Backed Securities is up 0.36 point. The trend for mortgage backed securities have been down (means rates are up) since November 1.  Take advantage of any market improvement to lock your rates. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     National Average for 30-Yr Fixed Mortgage Rate is up 0.17% to 4.46% on Dec. 5.. MBS (3.5%) - Currently  99.86, High: 100.23, Low: 99.82 DJI Stocks currently $15,895.81,  Down $-77.32, Change 0% Asian & European Stock Market Indexes changed -0.759% Crude Oil (WTI) Currently $97.26 - Change -1.27% Gold ...
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By Bill Ladewig, Experience Is Your Advantage
(LoanOfficerSchool.com)
MORTGAGE INTEREST RATE LOCK ADVISORY December 10, 2013 8:25 AM PST  Click for Updated Lock Advice     LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 3.50% rate based on Mortgage Backed Securities is down 0.07 point 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     National Average for 30-Yr Fixed Mortgage Rate is up 0.17% to 4.46% on Dec. 5.. MBS (3.5%) - Currently  100.06, High: 100.37, Low: 99.99 DJI Stocks currently $16,002.60,  Down $-22.93, Change 0% Asian & European Stock Market Indexes changed -0.349% Crude Oil (WTI) Currently $97.92 - Change 0.6% Gold 1 Once - $1,262.17 REAL ESTATE & MORTGAGE NEWS FHA to Bring Down Loan Limits for 2014   By: Tory Barringer - The Federal Housing Administration (FHA) is bringi...
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By Bill Ladewig, Experience Is Your Advantage
(LoanOfficerSchool.com)
MORTGAGE INTEREST RATE LOCK ADVISORY December 09, 2013  7:00 AM PST  Click for Updated Lock Advice     LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 3.50% rate based on Mortgage Backed Securities is down 0.18 point 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     National Average for 30-Yr Fixed Mortgage Rate is up 0.17% to 4.46% on Dec. 5.. \ MBS (3.5%) - Currently  100.29, High: 100.36, Low: 100.08    DJI Stocks currently $16,045.25,  Up $25.05, Change 0.156%    Asian & European Stock Market Indexes changed 0.855%    Crude Oil (WTI) Currently $97.57 - Change -0.08%    Gold 1 Once - $1,236.32  REAL ESTATE & MORTGAGE NEWS 6 Words to Start Saying to Close More in 2014 By Tara-Nicholle Nelson - When it comes to busi...
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By Bill Ladewig, Experience Is Your Advantage
(LoanOfficerSchool.com)
MORTGAGE INTEREST RATE LOCK ADVISORY December 06, 2013  8:00 AM PST  Click for Updated Lock Advice     LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 3.50% rate based on Mortgage Backed Securities is down 0.11 point 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     National Average for 30-Yr Fixed Mortgage Rate is up 0.07% to 4.29% on Nov 28,. MBS (3.5%) - Currently  100.02, High: 100.04, Low: 99.37 DJI Stocks currently $15,946.42,  Up $124.91, Change 0.783% Asian & European Stock Market Indexes changed 0.408% Crude Oil (WTI) Currently $97.59 - Change 0.22% Gold 1 Once - $1,233.90 REAL ESTATE & MORTGAGE NEWS  2014 Forecast Predicts Easier Credit Access, Lower Homeownership By Tory Barringer - Zillow expects conditio...
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By Bill Ladewig, Experience Is Your Advantage
(LoanOfficerSchool.com)
MORTGAGE INTEREST RATE LOCK ADVISORY December 05, 2013  9:30 AM PST  Click for Updated Lock Advice     LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 3.50% rate based on Mortgage Backed Securities is up 0.11 point 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     National Average for 30-Yr Fixed Mortgage Rate is up 0.07% to 4.29% on Nov 28,. MBS (3.5%) - Currently  99.81, High: 99.99, Low: 99.72 DJI Stocks currently $15,855.67,  Down $-34.1, Change -0.215% Asian & European Stock Market Indexes changed -1.262% Crude Oil (WTI) Currently $97.66 - Change 0.47% Gold 1 Once - $1,233.11 REAL ESTATE & MORTGAGE NEWS   Mortgage Rates Push up to New 2-mo Highs By Matthew Graham - Mortgage rates moved higher again yesterday, re...
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By Bill Ladewig, Experience Is Your Advantage
(LoanOfficerSchool.com)
MORTGAGE INTEREST RATE LOCK ADVISORY November 25, 2013  8:45 AM PST  Click for Updated Lock Advice     LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 3.50% rate based on Mortgage Backed Securities is down 0.09 point    30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     National Average for 30-Yr Fixed Mortgage Rate is down 0.13% to 4.22% on Nov 21,. MBS (3.5%) - Currently  101.29, High: 101.38, Low: 101.06   DJI Stocks currently $16,102.63,  Up $37.86, Change 0.235%   Asian & European Stock Market Indexes changed 0.442%   Crude Oil (WTI) Currently $94.17 - Change -0.71%   Gold 1 Once - $1,241.17  REAL ESTATE & MORTGAGE NEWS Ongoing Uncertainty to Unsettle Markets Going into 2014 In the aftermath of the federal govern...
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By Bill Ladewig, Experience Is Your Advantage
(LoanOfficerSchool.com)
MORTGAGE INTEREST RATE LOCK ADVISORY November 22, 2013  :8:55 AM PST  Click for Updated Lock Advice     LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 3.50% rate based on Mortgage Backed Securities is down 0.08 point    30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     National Average for 30-Yr Fixed Mortgage Rate is down 0.13% to 4.22% on Nov 21,. MBS (3.5%) - Currently  101.08, High: 101.11, Low: 100.98   DJI Stocks currently $16,025.89,  Up $15.9, Change 0.099%   Asian & European Stock Market Indexes changed 0.129%   Crude Oil (WTI) Currently $94.68 - Change -0.8%   Gold 1 Once - $1,245.20   REAL ESTATE & MORTGAGE NEWS Is Negative Equity Part of the New Normal? Fast-paced price increases have helped bring many u...
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By Bill Ladewig, Experience Is Your Advantage
(LoanOfficerSchool.com)
MORTGAGE INTEREST RATE LOCK ADVISORY November 21, 2013  :11:00 AM PST  Click for Updated Lock Advice     LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 3.50% rate based on Mortgage Backed Securities is up 0.13 point   30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     National Average for 30-Yr Fixed Mortgage Rate is up 0.19% to 4.35% on Nov 14,.  MBS (3.5%) - Currently  100.98, High: 101.05, Low: 100.63    DJI Stocks currently $15,981.93,  Up $81.11, Change 0.508%    Asian & European Stock Market Indexes changed 0.635%    Crude Oil (WTI) Currently $95.34 - Change 1.59%    Gold 1 Once - $1,243.05 MORTGAGE & REAL ESTATE NEWS Freddie Mac: Housing will remain generally affordableBy Jacob Gaffney - next year brings a bev...
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By Bill Ladewig, Experience Is Your Advantage
(LoanOfficerSchool.com)
MORTGAGE INTEREST RATE LOCK ADVISORY November 20, 2013  :11:30 AM PST  Click for Updated Lock Advice     LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 3.50% rate based on Mortgage Backed Securities is up 0.42 point 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK  MARKET INDICATORS    National Average for 30-Yr Fixed Mortgage Rate is up 0.19% to 4.35% on Nov 14,.  MBS (3.5%) - Currently  101.10, High: 101.8, Low: 101.10    DJI Stocks currently $15,946.99,  Down $-20.04, Change -0.126%    Asian & European Stock Market Indexes changed -0.315%    Crude Oil (WTI) Currently $93.53 - Change 0.2%    Gold 1 Once - $1,251.39  MORTGAGE & REAL ESTATE NEWS Report: Recovery Suffering from 'Broken' Housing Policies  By: Ashley R. Harris - According to ...
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By Lisa Hayashi, Retired Realtor
(Award Referral Network Inc.)
Rancho Bernardo is a master planned community and its 92127 and 92128 zip codes are located in the North inland area of San Diego, California. The area has a lot to offer the residents being located in an award winning school district and home to two public libraries, and at least four golf couses. Some older neighborhoods have a recreation club they are required to have memberships with, but most of the clubs are well equipped with many amenities. It is home to some newer construction in the 4s Ranch areas and extends Westward towards Rancho Santa Fe as well as to the borders of Rancho Penasquitos (92129). The zip codes share a shopping area in Carmel Mountain Ranch which is home to Costco, Ross, Tj Maxx, Best Buy, Petco, Nordstrom’s Rack and Marshall’s. Even the 4s Ranch area is home ...
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By Bill Ladewig, Experience Is Your Advantage
(LoanOfficerSchool.com)
MORTGAGE INTEREST RATE LOCK ADVISORY November 5, 2013  :6:30 AM PST  Click for Updated Lock Advice    LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 3.50% rate based on Mortgage Backed Securities is up 0.51 point It appears the MBS market has the possibility of a pullback after a good run 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     National Average for 30-Yr Fixed Mortgage Rate is down 0.03% to 4.10% on Oct 31,. MBS (3.5%) - Currently  101.8, High: 102.31, Low: 101.8 DJI Stocks currently $15,606.64,  Down $-32.48, Change -0.208% Asian & European Stock Market Indexes changed -0.482% Crude Oil (WTI) Currently $93.75 - Change -0.92% Gold 1 Once - $1,311.48  MORTGAGE & REAL ESTATE NEWS Analysts: Fannie Mae LTV Thr...
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By Bill Ladewig, Experience Is Your Advantage
(LoanOfficerSchool.com)
MORTGAGE INTEREST RATE LOCK ADVISORY October 30 2013  11:30 AM PST  Click for Updated Lock Advice    LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 3.50% rate based on Mortgage Backed Securities is up 0.07 point It appears the MBS market has the possibility of a pullback after a good run 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     National Average for 30-Yr Fixed Mortgage Rate is down 0.15% to 4.13% on Oct 24,. MBS (3.5%) - Currently  102.61, High: 103.02, Low: 102.69 DJI Stocks currently $15,609.84,  Down $-70.51, Change -0.452% Asian & European Stock Market Indexes changed -0.012% Crude Oil (WTI) Currently $96.82 - Change -1.41% Gold 1 Once - $1,341.31 REAL ESTATE & MORTGAGE NEWS MBA Puts Out 2014 Projection...
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By Bill Ladewig, Experience Is Your Advantage
(LoanOfficerSchool.com)
MORTGAGE INTEREST RATE LOCK ADVISORY October 30 2013  :9:00 AM PST  Click for Updated Lock Advice    LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 3.50% rate based on Mortgage Backed Securities is up 0.30 point It appears the MBS market has the possibility of a pullback after a good run 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     National Average for 30-Yr Fixed Mortgage Rate is down 0.15% to 4.13% on Oct 24,. MBS (3.5%) - Currently  102.98, High: 102.98, Low: 102.69 DJI Stocks currently $15,652.19,  Down $-28.16, Change -0.18% Asian & European Stock Market Indexes changed -0.129% Crude Oil (WTI) Currently $97.33 - Change -0.89% Gold 1 Once - $1,354.30 REAL ESTATE & MORTGAGE NEWS MBA Puts Out 2014 Projections...
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By Jason E. Gordon, Sr Loan Officer, CMA, CMPS, CDLP, CDRE, RCSD, CDPE
(CMG Mortgage, San Diego, CA)
Last Friday was a fairly tough day for mortgage rates, as the market saw a "worsening" of 31 basis points.  In observance of Columbus Day, the market is closed today.  This daily mortgage interest rate report is designed to provide Borrowers & Real Estate Profesionals with factual data regarding where rates are at any given time and what trends are propelling current mortgage pricing on any given day. Feel free to browse the library and research historical rate updates dating back over 2 years at www.JasonGordon.info whenever desired.  To make things easier, I have also posted a quick report on How To Read The Charts Below. Also, make sure to learn THE TOP 10 THINGS TO KNOW ABOUT MORTGAGE RATES (to help understand the relationship between rates & fees/credits) along with THE TRUTH BEHIN...
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