Daily Newsletter: Mortgage Rates Nearly Unchanged in 2015; Seasonal Uptick in Distressed Sales

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30 Year Fixed 4.09%   -0.02 15 Year Fixed 3.28%   -0.02 10YR Treasury 2.27%   -0.0249 FNMA 30YR 3.5 103.19   +0.23 FNMA 15YR 2.5 103.06   +0.19 View Today's Rates

Thursday December 31, 2015 Mortgage Rate Watch - 2:33PM Mortgage Rates Nearly Unchanged in 2015 Mortgage rates had an interesting year to say the least. After almost universal consensus on a move toward higher rates the first few months of the year instead saw a precipitous drop ... Pipeline Press - 12:41PM Bank M&A; Pending Home Sales Primer; Lender Form Changes - Who Can Keep Track? Given my Resolutions from a year ago, and looking back at 2015, I've got today to get skinny, save money, learn French, and undrink 987 bottles of wine. On a more serious note, plenty ... MBS Commentary - 8:51AM MBS Day Ahead: Early Close and Relative Lack of Data. Excited Yet? Today is a very exciting day for bond market participants. Most of them are on vacation, or at the very least, in a vacation-like state of mind. The latter refers to the magical phenomenon ... MND NewsWire - 1:46AM October sees Seasonal Uptick in Distressed Home Sales Share Sales of distressed properties made up 10.2 percent of total home sales in October CoreLogic said on Tuesday. The October number represented a slight seasonal increase of 0.2 percent ... Improving Mortgage Performance equals Best MiMi in 15 Months Pending Home Sales Continue to Slow; Prices, Inventory Faulted Latest Video Chicago PMI 42.9 Santelli: 5-year making new highs Ed Keon: What's driving rates lower... More News from 'Around the Web' CNBC - 12:48PM The Fed in 2016: Here's what you need to know Calculated Risk Blog - 10:28AM Chicago PMI declines to 42.9 Calculated Risk Blog - 10:28AM Weekly Initial Unemployment Claims increase to 287,000 freddiemac.mwnewsroom.com - 10:23AM Mortgage Rates Top Four Percent CNBC - 8:27AM Highest earners' tax rates up sharply CNBC - 8:26AM 2015 was the hardest year to make money in 78 years Calculated Risk Blog - 1:40AM Expect November Year-over-year Change for Case-Shiller Index slightly higher than in October Bloomberg - 1:32AM Biggest Investors Say Beware the Bond Market as Fed Tightens Today's Rates Best Execution Rate Change 30 Yr FRM 4.09% -0.02 15 Yr FRM 3.28% -0.02 FHA 30 Year Fixed 3.75% +0.00 Jumbo 30 Year Fixed 3.92% -0.01 5/1 Yr ARM 3.03% -0.01 Current Mortgage Rates » What are best-execution rates? Average Mortgage Rates Rate Points Change FHFA * 15 Yr. Fixed 3.45% 1.20 -0.01 30 Yr. Fixed 4.12% 1.43 -0.05 MBA ** 30 Yr. Fixed 4.14% 0.45 +0.00 15 Yr. Fixed 3.39% 0.35 +0.00 30 Yr. Jumbo 4.01% 0.30 -0.01 30 Yr. FHA 3.90% 0.31 -0.01 5/1 ARM 3.25% 0.36 +0.02 Freddie Mac ** 30 Yr. Fixed 3.96% 0.60 -0.01 15 Yr. Fixed 3.22% 0.60 +0.00 1 Yr. ARM 2.68% 0.20 +0.01 5/1 Yr. ARM 3.06% 0.40 +0.03 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 3.0 100.00 +0.23 30YR FNMA 3.5 103.19 +0.23 30YR GNMA 3.0 101.31 +0.23 30YR GNMA 3.5 104.09 +0.22 15YR FNMA 3.0 103.06 +0.19 15YR FNMA 2.5 100.81 +0.17 Treasuries Yield Change 2 YR 1.0517% -0.0275 5 YR 1.7582% -0.0361 10 YR 2.2694% -0.0249 30 YR 3.0150% -0.0184 Prices as of: 12/31/2015 2:06PM 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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Daily Newsletter: Mortgage Rates Sideways at Long-Term Highs; Freddie Cites Market Improvements; Pending Sales Decline

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30 Year Fixed 4.11%   +0.00 15 Year Fixed 3.30%   +0.00 10YR Treasury 2.29%   -0.0178 FNMA 30YR 3.5 102.95   +0.17 FNMA 15YR 2.5 102.88   +0.11 View Today's Rates

Wednesday December 30, 2015 Mortgage Rate Watch - 4:53PM Mortgage Rates Sideways at Long-Term Highs Mortgage rates managed to hold steady today after moving up to the highest levels in more than 5 months yesterday. Rates had moved close to current levels even before the Fed rate hike ... MND NewsWire - 3:26PM Improving Mortgage Performance equals Best MiMi in 15 Months The Multi-Indicator Market Index (MiMi) produced by Freddie Mac's Office of the Chief Economist shows that the U.S. housing market is within the outer range of being considered stable ... MND NewsWire - 10:45AM Pending Home Sales Continue to Slow; Prices, Inventory Faulted Pending home sales dipped slightly in November, the third time in four months they have done so. The National Association of Realtors® (NAR's) Pending Home Sales Index (PHSI) was ... Pipeline Press - 10:39AM TRID Kickback Reasons; December's Wave of CFPB News Including TRID Fear Reassurance Death is rarely funny, and the aftermath can be even worse. But here's an interesting twist on things. Even in our digital world where e-mortgages should be in the not-too-distant future ... MBS Day Ahead: Bigger Picture Risks With a Major Caveat Runaway Mortgage Rates Shouldn't Concern Homebuyers Latest Video Getting a mortgage next year What the 10-year is slgnaling... The impact of Puerto Rico's debt crisis More News from 'Around the Web' www.realtor.com - 2:27PM Housing Rebound: Time for Millennials to Leave the Nest Calculated Risk Blog - 2:27PM Question #8 for 2016: How much will Residential Investment increase? www.cfpbmonitor.com - 2:26PM CFPB responds to industry concerns about TRID rule liability freddiemac.mwnewsroom.com - 10:31AM U.S. Housing Market Posts Strong Improvement Reuters - 10:30AM U.S. pending home sales fall in November CNBC - 8:36AM Global real estate movers and shakers Bloomberg - 8:35AM The Best and Worst of the U.S. Economy in 2015 CNBC - 8:26AM The bond market is sending off a troubling signal Bloomberg - 8:26AM Treasury Yield Rises to Nine-Year High Versus Sovereign Peers Calculated Risk Blog - 8:24AM From CNBC: "Luxury home prices finally getting too high?" Today's Rates Best Execution Rate Change 30 Yr FRM 4.11% +0.00 15 Yr FRM 3.30% +0.00 FHA 30 Year Fixed 3.75% +0.00 Jumbo 30 Year Fixed 3.93% +0.00 5/1 Yr ARM 3.04% +0.02 Current Mortgage Rates » What are best-execution rates? Average Mortgage Rates Rate Points Change FHFA * 15 Yr. Fixed 3.45% 1.20 -0.01 30 Yr. Fixed 4.12% 1.43 -0.05 MBA ** 30 Yr. Fixed 4.14% 0.45 +0.00 15 Yr. Fixed 3.39% 0.35 +0.00 30 Yr. Jumbo 4.01% 0.30 -0.01 30 Yr. FHA 3.90% 0.31 -0.01 5/1 ARM 3.25% 0.36 +0.02 Freddie Mac ** 30 Yr. Fixed 3.96% 0.60 -0.01 15 Yr. Fixed 3.22% 0.60 +0.00 1 Yr. ARM 2.68% 0.20 +0.01 5/1 Yr. ARM 3.06% 0.40 +0.03 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 99.77 +0.17 30YR FNMA 3.5 102.95 +0.17 30YR GNMA 3.0 101.08 +0.16 30YR GNMA 3.5 103.88 +0.22 15YR FNMA 3.0 102.88 +0.11 15YR FNMA 2.5 100.64 +0.11 Treasuries Yield Change 2 YR 1.0792% -0.0158 5 YR 1.7943% +0.0011 10 YR 2.2943% -0.0178 30 YR 3.0334% -0.0065 Prices as of: 12/30/2015 4:32PM 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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Daily Newsletter: Mortgage Rates Edge Up to 5-Month Highs; Home Prices Continue Defying Odds

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30 Year Fixed 4.11%   +0.02 15 Year Fixed 3.30%   +0.01 10YR Treasury 2.31%   +0.0782 FNMA 30YR 3.5 102.78   -0.28 FNMA 15YR 2.5 102.77   -0.19 View Today's Rates

Tuesday December 29, 2015 Mortgage Rate Watch - 4:27PM Mortgage Rates Edge Up to 5-Month Highs Mortgage rates moved slightly highe r today. While it wasn't a big move in the grand scheme of things, rates were already fairly close to their highest levels since early July . For ... MND NewsWire - 12:25PM Runaway Mortgage Rates Shouldn't Concern Homebuyers Home prices continue to confound predictions of decelerating gains. The S&P/Case-Shiller National Home Price Index gained 5.2 percent over the 12 months period ended in October ... Pipeline Press - 11:45AM Another MBS Lawsuit; Bank M&A Continues; Trends in Multi-Family Market Are you reading this while figuring out what you're going to do New Year's Eve? The latest research studies find it is nearly impossible for our brains, given the way they are designed ... MBS Commentary - 9:14AM MBS Day Ahead: Light Data Calendar and Limited Inspiration There continues to be little to observe or conclude in this 'holiday-light' trading environment. While today's data will provide at least something to observe, conclusions will remain ... TRID Causing Noticeable Delays -Ellie Mae Conforming Conventional Lending Trends and Expectations for 2016 Latest Video Home prices show gains but supply shrinks Low oil hurt housing? Santelli: Yields higher across the curve More News from 'Around the Web' Bloomberg - 4:58PM Treasuries Fall as 5-Year Note Auction Demand Lowest Since 2009 Market Watch - 2:52PM Economic Report: American median incomes are finally back to prerecession levels Calculated Risk Blog - 2:10PM Question #9 for 2016: What will happen with house prices in 2016? Calculated Risk Blog - 1:20PM Real Prices and Price-to-Rent Ratio in October Bloomberg - 10:46AM Consumer Confidence in U.S. Rose More Than Forecast in December Reuters - 10:10AM U.S. home prices rise slightly in October, top forecast CNBC - 10:07AM Consumers ARE spending gas savings Bloomberg - 8:45AM Marc Faber Takes on Yellen With Recession Call, Likes Treasuries www.realtor.com - 8:42AM Hot Homes in December's 10 Hottest Housing Markets Bloomberg - 8:42AM The Return of the Affordable Starter Home Today's Rates Best Execution Rate Change 30 Yr FRM 4.11% +0.02 15 Yr FRM 3.30% +0.01 FHA 30 Year Fixed 3.75% +0.00 Jumbo 30 Year Fixed 3.93% +0.01 5/1 Yr ARM 3.02% +0.03 Current Mortgage Rates » What are best-execution rates? Average Mortgage Rates Rate Points Change FHFA * 15 Yr. Fixed 3.45% 1.20 -0.01 30 Yr. Fixed 4.12% 1.43 -0.05 MBA ** 30 Yr. Fixed 4.14% 0.45 +0.00 15 Yr. Fixed 3.39% 0.35 +0.00 30 Yr. Jumbo 4.01% 0.30 -0.01 30 Yr. FHA 3.90% 0.31 -0.01 5/1 ARM 3.25% 0.36 +0.02 Freddie Mac ** 30 Yr. Fixed 3.96% 0.60 -0.01 15 Yr. Fixed 3.22% 0.60 +0.00 1 Yr. ARM 2.68% 0.20 +0.01 5/1 Yr. ARM 3.06% 0.40 +0.03 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 99.59 -0.38 30YR FNMA 3.5 102.78 -0.28 30YR GNMA 3.0 100.92 -0.39 30YR GNMA 3.5 103.66 -0.33 15YR FNMA 3.0 102.77 -0.19 15YR FNMA 2.5 100.53 -0.23 Treasuries Yield Change 2 YR 1.0950% +0.0842 5 YR 1.7932% +0.0752 10 YR 2.3121% +0.0782 30 YR 3.0399% +0.0945 Prices as of: 12/29/2015 4:30PM 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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