Daily Newsletter: CFPB Reconsidering TRID?; Rates End Week at Lows; Bank of Mom and Dad

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30 Year Fixed 3.67%   -0.01 15 Year Fixed 2.95%   -0.01 10YR Treasury 1.84%   +0.0090 FNMA 30YR 3.5 104.77   +0.02 FNMA 15YR 2.5 104.41   +0.03 View Today's Rates

Friday April 29, 2016 Mortgage Rate Watch - 4:16PM Mortgage Rates End Week at Lows Mortgage rates moved just slightly lower in most cases, to end the week at the best levels since April 19th. Mor importantly, the past 3 days of improvements go a long way toward defeating ... MND NewsWire - 11:29AM Does The Bank of Mom and Dad Help Homeownership? Does a financial boost from mom and dad make it more likely a young person will buy a home? It depends. And that might change. Those statements are more or less the bottom line from ... MND NewsWire - 11:26AM CFPB to Reopen Know Before You Owe Rulemaking The Consumer Financial Protection Agency (CFPB) just opened the door to possible changes and refinements in its Know Before You Owe rule. The agency, in a letter addressed trade groups ... Pipeline Press - 10:37AM CFPB Offers Plans for TRID; Upcoming Events; Who's Afraid of HMDA? “They” say plenty of things about time flying as you grow older. (“Life is like a toilet paper role – the closer you get to the end the faster it goes” ... MBS Day Ahead: Bonds Fighting For Technical Victory, With Fundamental Caveats Homeownership near its lowest in history Latest Video Santelli: It's been a wild week Consumer sentiment index at 89.0 for April Market's 'day of reckoning'? Yeah, it's called an economic cycle: Pro More News from 'Around the Web' Calculated Risk Blog - 4:32PM Fannie Mae: Mortgage Serious Delinquency rate declined in March, Lowest since June 2008 Market Watch - 4:32PM Freddie Mac may need another taxpayer bailout next week webfeeds.brookings.edu - 2:34PM Breaking up the big banks won't stop another financial crisis Calculated Risk Blog - 2:34PM Lawler:Updated Table of Distressed Sales and All Cash Sales for Selected Cities in March Bloomberg - 11:13AM Fed's Kaplan Speaks: Economic Growth, Rates and Oil - Bloomberg CNBC - 11:13AM Consumer sentiment edges lower in April Reuters - 10:23AM Equity funds see more outflows as investors trim risk: BAML CNBC - 9:15AM Does your homeowners insurance fully cover you for these seven common claims? Reuters - 9:15AM U.S. inflation retreats on soft consumer spending Reuters - 8:38AM Fed's Kaplan says he will advocate for raising interest rates gradually CNBC - 8:37AM US inflation retreats on soft consumer spending Bloomberg - 8:35AM Morgan Stanley Says Treasuries Set to Gain as Fed Holds Rates Today's Rates Best Execution Rate Change 30 Yr FRM 3.67% -0.01 15 Yr FRM 2.95% -0.01 FHA 30 Year Fixed 3.25% -0.05 Jumbo 30 Year Fixed 3.62% +0.00 5/1 Yr ARM 3.04% -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 3.82% 0.33 -0.04 15 Yr. Fixed 3.10% 0.37 +0.00 30 Yr. Jumbo 3.74% 0.31 -0.02 30 Yr. FHA 3.66% 0.29 -0.07 5/1 ARM 2.94% 0.20 +0.00 Freddie Mac ** 30 Yr. Fixed 3.66% 0.60 +0.07 15 Yr. Fixed 2.89% 0.60 +0.04 1 Yr. ARM 2.68% 0.20 +0.01 5/1 Yr. ARM 2.86% 0.50 +0.05 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 3.0 102.45 -0.03 30YR FNMA 3.5 104.77 +0.02 30YR GNMA 3.0 103.25 +0.05 30YR GNMA 3.5 105.47 -0.02 15YR FNMA 3.0 104.41 +0.03 15YR FNMA 2.5 102.72 +0.06 Treasuries Yield Change 2 YR 0.7816% -0.0079 5 YR 1.2956% +0.0032 10 YR 1.8350% +0.0090 30 YR 2.6765% -0.0070 Prices as of: 4/29/2016 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. © 2016 Brown House Media, Inc. All rights reserved. Brown House Media Inc. - 19706 One Norman Blvd - Cornelius, NC 28031

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Daily Newsletter: Homeownership Near All-Time Low; Prices Near 2006 Peak; Rates Near Last Week's

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30 Year Fixed 3.68%   -0.05 15 Year Fixed 2.96%   -0.06 10YR Treasury 1.83%   -0.0301 FNMA 30YR 3.5 104.75   +0.16 FNMA 15YR 2.5 104.38   +0.08 View Today's Rates

Thursday April 28, 2016 MND NewsWire - 12:24PM Homeownership near its lowest in history Home sales may be rising, but homeownership in the United States is heading down once again. After gains in the second half of 2015, the homeownership rate fell to just 63.6 percent ... MND NewsWire - 10:39AM Home Prices Closing on 2006 Peak Home prices rose 0.7 percent from January to February according to Black Knight Financial Services. The company's Home Price Index (HPI) was at $245,000 a 5.3 percent increase from ... Mortgage Rate Watch - 4:50PM Mortgage Rates Back Down to Last Week's Range Mortgage rates continued lower for a second straight day, ultimately making it back to levels not seen since last Tuesday. Today's improvements are partly an extension of yesterday ... MND NewsWire - 10:32AM Completely Different Definition of 'Underwater' And Its Impact on Housing What has just moved from fifth place in the World Economic Forum's list of global risks to the top of the heap? The "failure of climate change mediation and adaptation" now ranks ahead ... New Vendor Management Product; Primer on Case-Shiller Calculation and Trends MBS Day Ahead: Chance to Confirm Post-Fed Bounce Latest Video Santelli Exchange: First quarter weakness GDP... gross domestic problem? Don't trust GDP numbers: Economist More News from 'Around the Web' CNBC - 3:54PM Wall St fumes at Fed's global mandate www.realtor.com - 3:53PM The O.C. Reigns Supreme in This Week's Most Expensive New Listings eyeonhousing.org - 3:53PM Gen-X Homeownership Continues Rising in the First Quarter of 2016 CNBC - 1:50PM GDP stumble will keep Fed guessing Bloomberg - 1:49PM CBRE CEO: Solid Real-Estate Fundamentals Driving Growth Bloomberg - 1:49PM Bond Traders Focus on Inflation Uptick as Treasuries Erase Gains CNBC - 12:22PM Homeownership near its lowest in history Washington Post - 10:48AM America's great housing divide: Are you a winner or loser? freddiemac.mwnewsroom.com - 10:08AM Mortgage Rates Inch Up CNBC - 8:49AM US economy stalls in first quarter as activity weakens broadly www.cfpbmonitor.com - 8:46AM CFPB April 2016 complaint report highlights mortgage complaints, complaints from California consumers www.realtor.com - 7:56AM America's 20 Hottest Markets for Real Estate in April 2016 Today's Rates Best Execution Rate Change 30 Yr FRM 3.68% -0.05 15 Yr FRM 2.96% -0.06 FHA 30 Year Fixed 3.30% -0.05 Jumbo 30 Year Fixed 3.62% -0.03 5/1 Yr ARM 3.05% +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 3.82% 0.33 -0.04 15 Yr. Fixed 3.10% 0.37 +0.00 30 Yr. Jumbo 3.74% 0.31 -0.02 30 Yr. FHA 3.66% 0.29 -0.07 5/1 ARM 2.94% 0.20 +0.00 Freddie Mac ** 30 Yr. Fixed 3.66% 0.60 +0.07 15 Yr. Fixed 2.89% 0.60 +0.04 1 Yr. ARM 2.68% 0.20 +0.01 5/1 Yr. ARM 2.86% 0.50 +0.05 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 3.0 102.48 +0.23 30YR FNMA 3.5 104.75 +0.16 30YR GNMA 3.0 103.20 +0.23 30YR GNMA 3.5 105.48 +0.22 15YR FNMA 3.0 104.38 +0.08 15YR FNMA 2.5 102.66 +0.11 Treasuries Yield Change 2 YR 0.7895% -0.0357 5 YR 1.2924% -0.0323 10 YR 1.8260% -0.0301 30 YR 2.6835% -0.0212 Prices as of: 4/28/2016 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. © 2016 Brown House Media, Inc. All rights reserved. Brown House Media Inc. - 19706 One Norman Blvd - Cornelius, NC 28031

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