Home Prices Stuck in Negative Feedback Loop. Would You Buy?

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Jan 25, 2011 3:38PM Home Prices Stuck in Negative Feedback Loop. Would You Buy? November figures released by Case Shiller show a pattern of decreasing growth in home prices. A spokesman for Standard &Poor's said that a double-dip in home prices might be confirmed by spring. Jan 24, 2011 12:58PM GSE REFORM: Kicking the Can Down the Road Not too many folks disagree with calls for much needed GSE Reform, but there is a disparity among the urgency of these outcries. Budget Battle Looms. Bond Vigilantes Lurk. AEI: Housing Market Can Function Without Government Support Fannie and Freddie Foreclosure Inventory Over 240,000 Properties; Fed Responds to Originator Comp Questions; NMLS Uniform Licensing Forms Mortgage Rates: Storm Brewing. Don't Get Complacent Potential Range Breakers: State of the Union Address & FOMC Meeting Adjustable Balance Mortgages: Shared Risk Reduces Strategic Defaults View: Front Page | Headline Viewer Micro News 5:01 PM: High-Risk Events Begin Tonight 4:48 PM: New MBS Commentary Post 4:18 PM: New MBS Commentary Post 3:40 PM: Little Changed In after Hours Trade. Best Close Since 1/18/11 2:44 PM: Rally Extends Beyond The Trend! Widespread Reprices For The Better 1:54 PM: New Highs For MBS, Treasuries Continue to Push Resistance 1:18 PM: Bonds Finally Make A Move Following Auction 1:01 PM: New MBS Commentary Post »View All Micro News Around the Web Some States Saw Significant Jobs Progress Rising costs threaten corporate profits Real Estate News: Churches Face Foreclosure A Look at Case-Shiller, by Metro Area (January Update) Mortgage Default Notices—Next Robo-Sigining Crisis? IRS app lets you check status of your tax refund »View More Around the Web Video News Miller Says Homebuyer Tax Credit `Wreaked Havoc' on Data Retsinas Sees More Home Price Risk in Market's `Low End' The Future of Munis »View More Video News Today's Comments "Interestingly the ones calling for the disolving of the GSE's today were just a few years back asking them to loosen their guides to make homeownership..." "A huge percentage of subprime loans were never sold through the GSE's. Most of the toxic loans we refer to so often were funded by private capital..." "From the IMF..."As emphasized in the conclusions of the recent Financial Sector Assessment Program, an overhaul is needed of the U.S. housing finance..." »View More Comments Today's Q&A "HOW CAN I CHECK IF A REAL ESTATE AGENT IS LICENSED IN THE STATE..." "Are home mortgages easy to obtain today in comparison to a year..." "How does the seller agent guarantee to purchase home work?" »View More Q&A Today's Forum Discussions "Loan Scenario View All Post A Scenario Loan State: Utah Loan County: --- Loan Type: Cash Out Refinance Loan Amount: $417,000 Property Value: $525,000 LTV..." "I am wondering what everyone's opinion is on getting a home inspection on a brand new home. We had the house built and watched most of the progress..." "Free Personalised Property Valuation Report Valued at $49.95 For a limited time we are giving away a free property valuation report for Queensland and..." »View  Forum Discussions jeffer90576 -view profile -edit profile Subscription Level: Non-Premium Manage Account Market Data Mortgage Rates 30YR 4.84 -0.01 15YR 4.15 0.01 FHA30YR 4.70 -0.02 Jumbo30YR 5.75 -0.03 5/1ARM 3.51 -0.03 MBS Quotes FNMA 3.5 95-08 0-11 FNMA 4.0 99-04 0-09 FNMA 4.5 102-11 0-09 FNMA 5.0 105-01 0-05 Treasuries 2 YR 0.5801 -0.0409 3 YR 1.0027 -0.0453 5 YR 1.9395 -0.0685 7 YR 2.6703 -0.0747 10 YR 3.3303 -0.0737 30 YR 4.4896 -0.0704 Recent Housing Data Visit our Market Data Center for all of the latest housing numbers, graphs, etc. New Home Sales 5.45% Pending Home 3.48% S&P/Case Shiller -1.32% Forward Know someone who might be interested in this email? Forward it. Newsletter Archive Front Page | Headline Viewer | Video | Forums | Q&A | Market Data | Rates | Marketplace : Consumer - Industry © 2011 Brown House Media, Inc. All rights reserved. Brown House Media Inc. - 19706 One Norman Blvd - Cornelius, NC 28031

Adjustable Balance Mortgages: Shared Risk Reduces Strategic Defaults

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Jan 21, 2011 11:55AM Adjustable Balance Mortgages: Shared Risk Reduces Strategic Defaults Two academics have suggested an alternative mortgage designed to cut strategic defaults by allowing for the periodic readjustment of the mortgage balance to reflect any loss in home equity. Jan 21, 2011 11:22AM Originator Compensation FAQs; Loan Putbacks Bruise BoA; Foreclosures Pinch PNC Profits; Servicer Watchdogs; Lender Updates Originator Compensation FAQs; Loan Putbacks Bruise BoA; Foreclosures Pinch PNC Profits; Servicer Watchdogs; Lender Updates Mortgage Rates: Best Ex Barely Budges. Closing Costs Spike Existing Home Sales Up. Distressed Sales Pressure Prices Lower Why Can't Rates Break the Range? Major Commitment Needed. MBS Make Comeback. Reprices for Better Awarded HUD Awards 194967.4 Billion in Homeless Program Grants Managing Counterparty Risk: Multiple Warehouse Lines Needed View: Front Page | Headline Viewer Micro News 6:02 PM: Quick Look at the Week Ahead 5:25 PM: New MBS Commentary Post 4:23 PM: New MBS Commentary Post 4:02 PM: New Mortgage Rate Watch Post 3:35 PM: Continued Drift Downward in Benchmark Yields Spells Additional MBS Gains 2:49 PM: 10yr Notes Sit At 3.42. FNCL 4.5's Holding At 102-00 Or Above 2:09 PM: More Of The Same, But The Same Has Benefitted MBS 1:32 PM: Resistance Continues To Hold, But MBS Enjoy Decreased Volatility »View All Micro News Around the Web Top World Economic Concerns in 2011 You Think Houses Are a Slow Sell? Try a Yacht Obama Adds to Emphasis on Business With Adviser Choice A hint of good employment news? GDP Growth vs Market Appreciation Post-Recession How Much Has the Fed Distorted the Stock Market? »View More Around the Web Video News Checking Consumer Pulse Second Market Movers El-Erian Says Opportunities Still Exist in Bond Market »View More Video News Today's Comments "Interesting concept. If housing prices in an area drop dramatically, and say a home that was worth 600k is now worth 300k (so the mortgage adjusts down..." "Good to see home inventory falling. I think it has to come down even further, though, if we're going to be able to predict a recovery through 2011..." "and we are getting ever closer to US states in bk talks with the gov't. wow...retirees potentially lose their pensions due to states going bk. and..." »View More Comments Today's Q&A "HOW CAN I CHECK IF A REAL ESTATE AGENT IS LICENSED IN THE STATE..." "Are home mortgages easy to obtain today in comparison to a year..." "How does the seller agent guarantee to purchase home work?" »View More Q&A Today's Forum Discussions "Loan Scenario View All Post A Scenario Loan State: Louisiana Loan County: --- Loan Type: Refinance (Rate and Term) Loan Amount: $205,000 Property Value..." "Can a Home be sold for more than its assessed Value ? ?" "is there a difference between a home equity line of credit and a home equity loan?" »View  Forum Discussions jeffer90576 -view profile -edit profile Subscription Level: Non-Premium Manage Account Market Data Mortgage Rates 30YR 4.85 -0.01 15YR 4.14 -0.02 FHA30YR 4.72 -0.03 Jumbo30YR 5.78 -0.01 5/1ARM 3.54 -0.02 MBS Quotes FNMA 3.5 95-03 0-13 FNMA 4.0 98-31 0-10 FNMA 4.5 102-06 0-08 FNMA 5.0 104-29 0-06 Treasuries 2 YR 0.6168 -0.0162 3 YR 1.0454 -0.0236 5 YR 2.0146 -0.0384 7 YR 2.7523 -0.0527 10 YR 3.4081 -0.0469 30 YR 4.5670 -0.0440 Recent Housing Data Visit our Market Data Center for all of the latest housing numbers, graphs, etc. New Home Sales 5.45% Pending Home 3.48% S&P/Case Shiller -1.32% Forward Know someone who might be interested in this email? Forward it. Newsletter Archive Front Page | Headline Viewer | Video | Forums | Q&A | Market Data | Rates | Marketplace : Consumer - Industry © 2011 Brown House Media, Inc. All rights reserved. Brown House Media Inc. - 19706 One Norman Blvd - Cornelius, NC 28031

Existing Home Sales Up. Distressed Sales Pressure Prices Lower

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Jan 20, 2011 2:17PM Existing Home Sales Up. Distressed Sales Pressure Prices Lower Existing-home sales rose sharply in December, when sales increased for the fifth time in the past six months, according to the National Association of REALTORS®. Jan 20, 2011 12:48PM Managing Counterparty Risk: Multiple Warehouse Lines Needed A counterparty is a company that agrees to perform a transaction or service with or for another company. Counterparty risk is the fallout that would occur in the event one party fails to hold up their end of the deal. Mortgage bankers do business with various counterparties and have a large amount of counterparty risk. Let's look at some of those relationships... HUD Awards 194967.4 Billion in Homeless Program Grants Realtor Influenced Settlement Costs; The Future of Fannie and Freddie; New Mortagee Letters; Wells Fargo Q4 Loan Production Mortgage Rates: Closing Costs Rise. Best Execution Steady Jobless Claims Fall in BLS Survey Week. Paints Positive Payrolls Picture Weak TIPS Auction Blindsides Bond Market. Reprices Reported FDIC Chair Calls for Commission to Settle Foreclosure Errors View: Front Page | Headline Viewer Micro News 5:13 PM: Data-Less Day Tomorrow 4:55 PM: New Mortgage Rate Watch Post 4:19 PM: New MBS Commentary Post 3:55 PM: Quiet After Hours Trading. Volume Came And Went In 1pm Hour 3:10 PM: CLOSING MARKS (3pm) 2:33 PM: Note on Spike In MBS Charts 2:31 PM: Settling Into Supportive Levels As Volume Wanes Again 1:34 PM: New MBS Commentary Post »View All Micro News Around the Web Legal Wrangle: How Serious Are Banks' Foreclosure Problems? Shadow inventory threatens housing recovery Canada takes further steps to avoid U.S. housing crisis SEC sets asset-backed securities disclosure rules ECB: Crisis Had Lasting Effect on Growth Potential State, Local Government Revenue Growth Poised to Accelerate »View More Around the Web Video News Corporate Tax Overhaul 3 Market Spooks Kelly Says U.S. Housing Affordability Is Best Ever Seen »View More Video News Today's Comments "Seems like the bond market found little motivation in the $45 billion export agreement that was setup between the U.S and China today...one that is expected..." "@nate: patient..repositioning is near. the markets ignoring the negative news phase is coming to an end cycle and traders know they've pushed the limits..." "Though I don't agree with everything she says, there is no way Sheila Blair works for the gov't. She makes too much cents!" »View More Comments Today's Q&A "HOW CAN I CHECK IF A REAL ESTATE AGENT IS LICENSED IN THE STATE..." "Are home mortgages easy to obtain today in comparison to a year..." "How does the seller agent guarantee to purchase home work?" »View More Q&A Today's Forum Discussions "Loan Scenario View All Post A Scenario Loan State: Louisiana Loan County: --- Loan Type: Refinance (Rate and Term) Loan Amount: $205,000 Property Value..." "Phone # for REO Division of B of A in Phoenix Area" "Is there any pending legislation in Oklahoma to make it a non-recourse state?" »View  Forum Discussions jeffer90576 -view profile -edit profile Subscription Level: Non-Premium Manage Account Market Data Mortgage Rates 30YR 4.86 0.04 15YR 4.16 0.00 FHA30YR 4.75 0.04 Jumbo30YR 5.79 0.03 5/1ARM 3.56 0.03 MBS Quotes FNMA 3.5 94-22 -0-21 FNMA 4.0 98-21 -0-19 FNMA 4.5 101-30 -0-15 FNMA 5.0 104-23 -0-11 Treasuries 2 YR 0.6169 -0.0161 3 YR 1.0533 -0.0157 5 YR 2.0381 -0.0149 7 YR 2.7872 -0.0178 10 YR 3.4350 -0.0200 30 YR 4.5951 -0.0159 Recent Housing Data Visit our Market Data Center for all of the latest housing numbers, graphs, etc. New Home Sales 5.45% Pending Home 3.48% S&P/Case Shiller -1.32% Forward Know someone who might be interested in this email? Forward it. Newsletter Archive Front Page | Headline Viewer | Video | Forums | Q&A | Market Data | Rates | Marketplace : Consumer - Industry © 2011 Brown House Media, Inc. All rights reserved. Brown House Media Inc. - 19706 One Norman Blvd - Cornelius, NC 28031