Daily Newsletter: 30yr Fixed Mortgage Rates at 3.75%; CFPB Appropriations Report; Bond Markets Resume 2014 Trend

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30 Year Fixed 3.76%   -0.10 15 Year Fixed 3.06%   -0.07 10YR Treasury 2.04%   -0.0786 FNMA 30YR 3.5 104.91   +0.36 FNMA 15YR 2.5 104.27   +0.16 View Today's Rates

Monday January 5, 2015 Mortgage Rate Watch - 5:10PM 30yr Fixed Mortgage Rates at 3.75% Mortgage rates have fallen substantially in the first week of 2015. While a few of the most aggressive lenders have been able to offer top tier borrowers 30yr fixed rates at 3.75% for ... MBS Commentary - 5:03PM MBS RECAP: As Life Returns to Markets; 2014's Themes Continue 2014 was a decisively flatter year for the Treasury yield curve. That means that longer-term (7, 10, 30yr) rates were constantly moving lower relative to shorter term rates. This wasn ... Pipeline Press - 10:44AM AMC Expansion; False Claims Act Fine; Upcoming Events; Goodbye to Elly May "The first five days after the weekend are the toughest." And after two holiday weeks, this week is going to seem pretty long. And how the heck are we in 2015 already? I was just growing ... MBS Commentary - 7:33AM MBS Day Ahead: New Year Wastes no Time; Highly-Charged Calendar of Events This week promises to be nothing like the last 2. Market participation already began ramping back up on Friday and that should be exponentially true in the coming days. Not only is ... Employment Growth Hitting Housing Sweet Spot Current Credit Standards Tougher Than They Need to Be Latest Video Santelli: Rates head lower, yields on the move Santelli: The gift that keeps on giving Euro hits 9-year low More News from 'Around the Web' Bloomberg - 4:13PM ECB Will Find It Near Impossible to Lift Demand, Summers Says - Bloomberg www.cfpbmonitor.com - 2:25PM CFPB issues second appropriations report Market Watch - 2:24PM Capitol Report: Obama's speech on housing could move shares of Fannie, Freddie Reuters - 2:24PM Fed might not raise rates in 2015: Gross www.npr.org - 12:00PM Housing In 2015: Four Reasons For Optimism (And One For Worry) Market Watch - 12:00PM Fed's Williams sees gradual pace of tightening Calculated Risk Blog - 10:16AM Reis: Office Vacancy Rate declined in Q4 to 16.7% Bloomberg - 9:04AM SunTrust to Have $145 Million Mortgage-Related Legal Expense - Bloomberg www.gallup.com - 9:04AM U.S. Consumer Spending Strong, Mostly Unchanged in December blog.redfin.com - 9:03AM From Stalwarts, to Comeback Kids and Sleepers, Redfin Names Six Housing Market Personas for 2015 WSJ - 9:03AM Five Things To Watch In Housing In 2015 Bloomberg - 8:54AM RBS Said Settling Mortgage Probe as Early as This Quarter - Bloomberg Bloomberg - 8:54AM Young Home Buyers Return to U.S. as Economy Accelerates - Bloomberg Today's Rates Best Execution Rate Change 30 Yr FRM 3.76% -0.10 15 Yr FRM 3.06% -0.07 FHA 30 Year Fixed 3.25% +0.00 Jumbo 30 Year Fixed 3.68% -0.06 5/1 Yr ARM 3.25% +0.01 Current Mortgage Rates » What are best-execution rates? Average Mortgage Rates Rate Points Change FHFA * 15 Yr. Fixed 3.47% 1.11 +0.02 30 Yr. Fixed 4.33% 1.33 -0.01 MBA ** 30 Yr. Fixed 4.18% 0.24 -0.01 15 Yr. Fixed 3.38% 0.27 +0.00 30 Yr. Jumbo 4.10% 0.16 -0.03 30 Yr. FHA 3.85% 0.18 -0.05 5/1 ARM 3.09% 0.34 +0.04 Freddie Mac ** 30 Yr. Fixed 3.87% 0.60 +0.04 15 Yr. Fixed 3.15% 0.60 +0.05 1 Yr. ARM 2.40% 0.40 +0.01 5/1 Yr. ARM 3.01% 0.50 +0.00 Current Mortgage Rates » * FHFA averages are updated monthly. ** Mortgage Bankers Association (each Wednesday) and Freddie Mac (each Thursday) averages are updated weekly. Secondary Markets MBS Price Change 30YR FNMA 3.0 102.09 +0.55 30YR FNMA 3.5 104.91 +0.36 30YR GNMA 3.0 103.13 +0.47 30YR GNMA 3.5 105.56 +0.30 15YR FNMA 3.0 104.27 +0.16 15YR FNMA 2.5 102.31 +0.25 Treasuries Yield Change 2 YR 0.6647% -0.0039 5 YR 1.5694% -0.0392 10 YR 2.0354% -0.0786 30 YR 2.6052% -0.0836 Prices as of: 1/5/2015 4:31PM EST Current MBS / Treasury Prices » MBS and Treasury data provided by Thomson Reuters. Mortgage News Daily and MBS Live! are exclusive re-distributors of Real Time Thomson Reuters Mortgage Information. Secondary Marketing Managers: If you are interested in gaining access to the most accurate real-time back-month TBA indications from Thomson Reuters and Tradeweb. Request More Information

This information is not an advertisement to extend consumer credit as defined by Section 226.2 of Regulation Z. This is not an offer to enter into an agreement regarding interest rates. The rates quoted do not include discount points, origination points, or loan level risk based price adjustments. Rates and terms are subject to change without notice. © 2015 Brown House Media, Inc. All rights reserved. Brown House Media Inc. - 19706 One Norman Blvd - Cornelius, NC 28031

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