Further Exploration into an Ever-Evolving Origination Model

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Home Today's Headlines ATW Forums Q&A Mortgage Rates   Top Stories       Further Exploration into an Ever-Evolving Origination Model If the loan officer is performing much of the front end underwriting and processing using technology – lap tops, websites, PDAs and cell phones, is it... - Community Commentary GSEs Gain Federal Support; MGIC Sued by BoA; Buffet to Buy ResCap? News from Chase, Wells, BofA, UBOC GSEs Gain Federal Support; MGIC Sued by BoA; Buffet to Buy ResCap? News from Chase, Wells, BofA, UBOC - Pipeline Press MBS LUNCH: Rates Barely Budge After Apathetic 2 yr Note Auction Treasury has just auctioned $44 billion 2 yr notes. The high yield was slightly above the 1pm current market bid ("when issued"), stopping out... - MBS Commentary MBS MORNING: Wait and See Attitude... - MBS Commentary Mortgage Rates Still on the Rise... - Mortgage Rate Watch RESPA Changes Are Coming! - Pipeline Press The Evolution of Origination Processes... - Community Commentary The Week Ahead: Treasury Auctions... - MND NewsWire »View more top stories jeffer90576 Profile View Edit Member Toolbox -MBS/Treasury Quotes -Mortgage Rates -Write an Article -Mobile MND -News / Rate Widgets -Manage Email Alerts -Update Profile -Not a Premium Member Yet? Upgrade Here. MBS Quotes FNMA 4.0 96-10 -0-11 FNMA 4.5 99-16 -0-09 FNMA 5.0 102-13 -0-09 FNMA 5.5 104-20 -0-05 FNMA 6.0 105-30 -0-06 Updated: 12/28/09 4:26 PM Treasuries 3 MO 0.0558 0.0162 2 YR 1.0387 0.0748 5 YR 2.5981 0.0622 10 YR 3.8402 0.0373 30 YR 4.6894 0.0061 Updated: 12/28/09 5:15 PM Mortgage Rates 30 Yr FRM 5.05 0.06 15 Yr FRM 4.32 0.04 FHA 30 Year 5.28 0.04 Jumbo 30 Year 6.25 0.06 5/1 Yr ARM 4.23 0.08 Updated: 12/28/09 1:54 PM Latest Video       View:All Videos Mortgage Rates Ready to Pop? 12/28/2009 Assessing whether mortgage rates are ready to pop and what impact that would have on the market, with Lawrence Yun, National Association of Realtors and... Inside China's Stimulus Success 12/28/2009 A look at how business in China is benefiting from the stimulus, with Alan Zeman, Lan Kwai Fong chairman and founder. Lebas Says U.S. Rates, Treasury Yields to `Creep Higher': Video 12/28/2009 Dec. 28 (Bloomberg) -- Guy Lebas, chief fixed-income strategist at Janney Montgomery Scott LLC, talks with Bloomberg's Lori Rothman about the outlook... Around The Web       Secondary Sources: Stimulus, the Post-Boom City, Inflation Be mindful of Santa Claus Rally and other year-end/new-year indicators MORTGAGES; No More 'He Said, She Said'? Census: Americans Stayed Put in 2009 5 Home Remodeling Trends for the New Year Credit Suisse: Uncapping Fannie, Freddie Losses Allow for 'Large-Scale' Buyouts CRE: Office Space Update Freddie sees mortgage rates hitting 6% in 2010 Statement of FHFA Acting Director Edward J. DeMarco Fannie Mae, Freddie Mac remain in limbo »View All Recent Articles JOIN THE CONVERSATION Recent Comments Adam Quinones on 12/28/2009 - read this comment When did this happen Seth? i believe you are referring to lenders boosting margin in their high balance rate sheets to manage the size of their pipeline? It is doubtful that the MBS pool size restriction... Seth Ari Steinberg on 12/28/2009 - read this comment Hi Mark, What State are you in? I can direct you once I know this. California rates to consumers were about 4.875% with 1/2 point cost plus regular title, and escrow charges up until Christmas. Then things... Mark G on 12/28/2009 - read this comment Hey Seth - what rate are you seeing for high bal loans? Where would a consumer go to see the current rates - normally only conforming and jumbos are shown. I've heard that there is a 0.25-0.5 rate... Seth Ari Steinberg on 12/28/2009 - read this comment Hey AQ or Anyone Else, Does anyone know why the High Balance Conforming Rates have deteriorated so much more than regular conforming during this recent fall in MBS prices? Thanks, Seth ~ Questions What is required to form a comunity boat dock association? What are the qualifications for the first time buyers loan? What are the risks involved in a owner financed loan? How do I transfer a deceased siblings mortgage? Answers Is it a good idea to apply for a mortgage thru a service such... Why is the APR so much higher than the rate? Can you get a loan without a down payment? I have a offer from a mortgage broker to refinance my home, but... Forum Discussions TBW Escrow Account Refund Question Interesting Scenario with questions Mobile Home Title Change thur DMV Loan Scenario: NY, $200,000, 620, 87% LTV, Purchase Loan Scenario: NM, $451,000, 720, 82% LTV, Refinance (Rate and Term) Loan Scenarios Post | View All   State Date Amount Loan Type MN 12/16/2009 125,000.00 Refinance (Rate and Term) CA 12/15/2009 135,000.00 Refinance (Rate and Term) FL 12/15/2009 124,320.00 Purchase NM 12/12/2009 451,000.00 Refinance (Rate and Term) CA 12/11/2009 487,500.00 Purchase NY 12/7/2009 200,000.00 Purchase Mortgage News Daily

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The Evolution of Origination Processes and Lender Operations Models

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Home Today's Headlines ATW Forums Q&A Mortgage Rates   Top Stories       The Evolution of Origination Processes and Lender Operations Models As we visit mortgage operations around the country, we see many types of business models. Within the broad areas of the mortgage loan life cycle are individual... - Community Commentary Attention Floaters and Fence Sitters: MND Mortgage Rate Outlook So most readers are locked right? At least those of you who are closing in December?We have been shouting LOCK from the rooftops since early December... - Mortgage Rate Watch New Home Sales Fall in November. Activity Still Stagnate Near Record Low Levels Sales of new single family homes fell 11.3% to an annual pace of 355,000 units. This was much lower than consensus estimates of 440,000 annual sales and... - MND NewsWire MBS CLOSE: Illustrating Deceptive... - MBS Commentary Delay in FHA Appraisal Requirements;... - Pipeline Press MBS AFTERNOON: Slow Decline Back... - MBS Commentary Refinance and Purchase Loan Applications... - MND NewsWire MBS MORNING: Reprices for the Worse... - MBS Commentary FHA Delays Implementation of HVCC... - MND NewsWire »View more top stories jeffer90576 Profile View Edit Member Toolbox -MBS/Treasury Quotes -Mortgage Rates -Write an Article -Mobile MND -News / Rate Widgets -Manage Email Alerts -Update Profile -Not a Premium Member Yet? Upgrade Here. MBS Quotes FNMA 4.0 96-29 0-01 FNMA 4.5 99-31 -0-01 FNMA 5.0 102-29 0-01 FNMA 5.5 105-00 -0-01 FNMA 6.0 106-08 -0-01 Updated: 12/23/09 4:29 PM Treasuries 3 MO 0.0700 0.0000 2 YR 0.9600 0.0551 5 YR 2.5100 0.0471 10 YR 3.7700 0.0162 30 YR 4.6100 0.0000 Updated: 12/23/09 5:40 PM Mortgage Rates 30 Yr FRM 4.99 0.01 15 Yr FRM 4.28 0.07 FHA 30 Year 5.24 0.02 Jumbo 30 Year 6.19 0.03 5/1 Yr ARM 4.15 0.07 Updated: 12/23/09 6:37 PM Latest Video       View:All Videos Inflation Back in 2010? 12/23/2009 Jay Bryson, global economist at Wells Fargo Securities, tells CNBC whether he's worried about inflation in 2010. Investing in Home Builder Stocks in 2010 12/23/2009 David Urani, of Wall Street Strategies, and Steve Kim, of Alpine Mutual Funds, share their favorite home builder stock picks for 2010. Meyer Sees Return in Housing Demand, Consumer Spending: Video 12/23/2009 Dec. 23 (Bloomberg) -- Michelle Meyer, an economist at Barclays Capital, talks with Bloomberg's Betty Liu, Adam Johnson and Sheila Dharmarajan about... Around The Web       Residential Investment: Moving Sideways Fed's Bullard: 'Too Early' to Change 'Extended Period' Language S&P Downgrades Five Mortgage Insurers Wells Finishes TARP Payback Geithner: No 'Second Wave' To Crisis Higher Rates Will Require Lender Explanation Home Buyer Tax Credit Hangover Ratio of Existing to New Home Sales at Record High FIL-75-2009: RESPA (Regulation X) - Revisions to Good Faith Estimate and HUD-1 Settlement Statement FIL-74-2009: Regulation Z - Open-End Consumer Credit Changes - Notice of Statutory Amendment; Additional Guidance »View All Recent Articles JOIN THE CONVERSATION Recent Comments Adam Quinones on 12/23/2009 - read this comment Jerry, also see the "Mortgage Rate Watch" blog. That channel speaks to consumers so we write the commentary on that level, should help you communicate. Go through the past few days, we give explanation... ANDREW GOLD on 12/23/2009 - read this comment Edgar, unfortunately I have to play devil's advocate here. The fact is, it's a GLOBAL economy. Bucyrus buys mining division from Terex for 1.3 BILLION. Do you think that this would happen if there... JERRY NISIVOCCIA on 12/23/2009 - read this comment Hey AQ....how...with light trading....can the impact be so horrible on Rate Sheet pricing? The pricing we 're getting lately is horrible. If it's light trading.....it sure doesn't feel like... Edgar on 12/23/2009 - read this comment Good Morning. Data is becoming MBS friendly lately. GDP big revision down, consumer confidence down, new home sales with a BIG miss, weekly unemployment trending up towards 500k. Some reports like existing... Questions How do I transfer a deceased siblings mortgage? I signed the loan documents and locked the rate. I also wire... Do I need to work for or be sponsored by a real estate company... What is the "Prepaid Finance Charge"? Answers Why is the APR so much higher than the rate? Can you get a loan without a down payment? Is it a good idea to apply for a mortgage thru a service such... I have a offer from a mortgage broker to refinance my home, but... Forum Discussions Loan Scenario: CA, $487,500, 770, 75% LTV, Purchase Need a Mortgage but Have Serious Debt or a Terrible Credit History? Stress Free Mortgages!!! Looking for a Mortgage Specialist? co-signing nightmare Loan Scenarios Post | View All   State Date Amount Loan Type MN 12/16/2009 125,000.00 Refinance (Rate and Term) CA 12/15/2009 135,000.00 Refinance (Rate and Term) FL 12/15/2009 124,320.00 Purchase NM 12/12/2009 451,000.00 Refinance (Rate and Term) CA 12/11/2009 487,500.00 Purchase NY 12/7/2009 200,000.00 Purchase Mortgage News Daily

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