Daily Newsletter: Fewer Borrowers Relying on High LTV Loans; Rates Varied by Lender; Q4 Affordability; Freddie's Optimistic Housing Outlook

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30 Year Fixed 3.84%   +0.01 15 Year Fixed 3.11%   +0.01 10YR Treasury 2.12%   +0.0386 FNMA 30YR 3.5 104.27   -0.22 FNMA 15YR 2.5 104.34   -0.13 View Today's Rates

Thursday February 19, 2015 MND NewsWire - 10:56AM Fewer Borrowers Relying on High LTV Loans Just as the government sponsored enterprises Fannie Mae and Freddie Mac are launching new 97 percent conventional loans, RealtyTrac is announcing that demand for such low downpayment ... Mortgage Rate Watch - 5:10PM Mortgage Rates Vary by Lender; Small Moves on Average Mortgage rates didn't move much today on average, but some lenders were noticeably better or worse compared to yesterday. It's not that they were confused about which way markets were ... MND NewsWire - 4:05PM Rates, Declining Home Prices Improved Affordability in Q4 Housing affordability grew slightly in the fourth quarter of 2014 according to the National Association of Home Builders (NAHB)/Wells Fargo Housing Opportunity Index (HOI) released ... MND NewsWire - 4:02PM Freddie's Economic Revisions Optimistic for Housing Freddie Mac's economists have revised many of their earlier estimates for the 2015 U.S. economy. In terms of overall economic growth the revisions are not positive as they see a slowing ... MBS MID-DAY: Bonds Trading another "Inside Day," This Time with Nagging Weakness OB and Google "Compete" With CFPB's Rate Checker? Elizabeth Warren & Community Banks MBS Day Ahead: Was FOMC Enough to Change Our Fate? Latest Video How to trade Treasurys now Santelli: Arrivederci fundamentals, welcome QE European markets close: Big Greek offer More News from 'Around the Web' WSJ - 4:32PM In Fed Survey Ahead of January FOMC, Big Banks Expected Summer Rate Rise Calculated Risk Blog - 4:32PM Lawler: Early Read on Existing Home Sales in January Bloomberg - 2:33PM ECB Said to Push Greek Banks to Shed State Debt If Talks Fail Bloomberg - 2:27PM Greeks Backing Tsipras With Votes But Not Cash CNBC - 2:26PM Worried depositors pull cash out of Greek banks WSJ - 2:24PM Bundesbank President Adds to Criticism of Greeks' Request Bloomberg - 12:17PM Has Luxury Real Estate Reached Its Limit in NYC? CNBC - 12:15PM Dallas home prices surge Bloomberg - 10:32AM Is Janet Yellen Leading the Fed Into Currency Wars? www.realtor.com - 10:32AM What are Homebuyers Looking For in the Winter? NAHB - 10:31AM Housing Affordability Edges Up in the Fourth Quarter Google News - 10:26AM A tax code for a different time CNBC - 10:24AM Nobel-winner Shiller wrong on housing: Sternlicht freddiemac.mwnewsroom.com - 10:24AM Mortgage Rates Rise for Second Consecutive Week Reuters - 8:52AM U.S. jobless claims fall more than expected Market Watch - 8:50AM 3% down payments being used at lowest level in 10 years WSJ - 8:49AM The U.S. Economy According to the White House in 10 Charts CNBC - 8:47AM Wal-Mart will give half million employees pay raises freddiemac.mwnewsroom.com - 8:46AM Freddie Mac Reports Fourth Quarter and Full-Year 2014 Financial Results Today's Rates Best Execution Rate Change 30 Yr FRM 3.84% +0.01 15 Yr FRM 3.11% +0.01 FHA 30 Year Fixed 3.50% +0.00 Jumbo 30 Year Fixed 3.83% +0.01 5/1 Yr ARM 3.15% +0.00 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 3.80% 0.29 -0.09 15 Yr. Fixed 3.10% 0.29 -0.06 30 Yr. Jumbo 3.86% 0.23 -0.02 30 Yr. FHA 3.66% 0.15 -0.05 5/1 ARM 2.87% 0.41 -0.07 Freddie Mac ** 30 Yr. Fixed 3.76% 0.60 +0.07 15 Yr. Fixed 3.05% 0.60 +0.06 1 Yr. ARM 2.45% 0.40 +0.03 5/1 Yr. ARM 2.97% 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 3.0 101.19 -0.22 30YR FNMA 3.5 104.27 -0.22 30YR GNMA 3.0 101.95 -0.20 30YR GNMA 3.5 104.44 -0.19 15YR FNMA 3.0 104.34 -0.13 15YR FNMA 2.5 102.11 -0.05 Treasuries Yield Change 2 YR 0.6174% +0.0124 5 YR 1.5747% +0.0516 10 YR 2.1186% +0.0386 30 YR 2.7394% +0.0315 Prices as of: 2/19/2015 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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