Daily Newsletter: Mortgage Rates Back Into High 3's; Loan Limit Updates for Some Counties; Home Price Gains Eroding; Europe Helping US Bond Markets

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30 Year Fixed 3.92%   -0.03 15 Year Fixed 3.12%   -0.03 10YR Treasury 2.26%   -0.0441 FNMA 30YR 3.5 103.94   +0.22 FNMA 15YR 2.5 104.02   +0.03 View Today's Rates

Tuesday November 25, 2014 Mortgage Rate Watch - 3:55PM Mortgage Rates Back Into High 3's Mortgage rates fell more today than in recent days. Positivity was fueled chiefly by European bond market strength as serious growth concerns persist and rates push ever-closer to their ... MND NewsWire - 11:25AM Loan Limits Unchanged in Most of U.S. The maximum conforming loan limit will remain at $417,000 for most of the U.S. in 2015. FHFA announced the limits, which define the size of loans eligible to be acquired by Fannie Mae ... MND NewsWire - 11:00AM Further Deterioration in Home Price Gains -Case-Shiller Is the party officially over? S&P Dow Jones Indices said today that the increase in home prices, which has shown diminishing energy for months, experienced a broad-based slowdown ... MBS Commentary - 12:32PM MBS MID-DAY: Positive European Backdrop Helps US Bond Markets Hold Ground With the increased amount of data on today's calendar, we've seen increased volatility, but it hasn't been too threatening so far. In fact, bond markets are currently in positive territory ... Servicing Continues to Hit the Market; Upcoming Events; Credit Union Lending Laws MBS Day Ahead: Econ Data Ramps up; How Well are MBS Doing? Latest Video Santelli Exchange: Fixing housing Strong demand at 5-year sale Bill Pulte expects housing starts to increase More News from 'Around the Web' www.npr.org - 4:46PM Bureaucratic Hoops Make D.C. Affordable Housing Units Hard To Sell WSJ - 4:44PM New Mortgage Lending Drops to 13-Year Low Calculated Risk Blog - 4:44PM Freddie Mac: Mortgage Serious Delinquency rate declined in October, Lowest since December 2008 Bloomberg - 4:44PM Fannie, Freddie to Allow Debt Cuts for Some Foreclosed Borrowers - Bloomberg Bloomberg - 3:15PM Moonlighting No Help to Americans Seeking to Buy a Home - Bloomberg WSJ - 3:15PM Why 4% Growth Doesn't Feel That Hot Market Watch - 1:42PM Treasurys trade higher after 5-year auction sees heavy demand WSJ - 1:42PM Why Didn't New Jersey See More Declines in Household Debt? Calculated Risk Blog - 1:42PM House Prices: Real Prices and Price-to-Rent Ratio in September CNBC - 12:52PM Saks real estate an 'added gift': CEO The Big Picture - 12:51PM Closer View of the Housing Boom Calculated Risk Blog - 11:46AM NY Fed: Household Debt increased in Q3 2014, "Deleveraging process has ended" CNBC - 10:31AM Confidence declines from October Reuters - 9:40AM U.S. third-quarter growth rate revised up to 3.9 percent freddiemac.mwnewsroom.com - 9:39AM Freddie Mac Issues Monthly Volume Summary for October 2014 CNBC - 9:39AM Home prices up less than expected: S&P/Case-Shiller Bloomberg - 8:28AM Commercial Refi Boom Exposing Risks in U.S. Property Bonds Reuters - 8:26AM Private consumption spike helps Germany avoid recession in third quarter Washington Post - 8:26AM The top 400 households got 16 percent of all capital gains in 2010 CNBC - 8:26AM US bonds rise ahead of GDP, 5-year auction Today's Rates Best Execution Rate Change 30 Yr FRM 3.92% -0.03 15 Yr FRM 3.12% -0.03 FHA 30 Year Fixed 3.40% -0.10 Jumbo 30 Year Fixed 3.76% -0.04 5/1 Yr ARM 3.25% +0.02 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 4.18% 0.24 -0.01 15 Yr. Fixed 3.38% 0.27 +0.00 30 Yr. Jumbo 4.10% 0.16 -0.03 30 Yr. FHA 3.85% 0.18 -0.05 5/1 ARM 3.09% 0.34 +0.04 Freddie Mac ** 30 Yr. Fixed 3.99% 0.50 -0.02 15 Yr. Fixed 3.17% 0.50 -0.03 1 Yr. ARM 2.44% 0.40 +0.01 5/1 Yr. ARM 3.01% 0.50 -0.01 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 3.0 100.70 +0.34 30YR FNMA 3.5 103.94 +0.22 30YR GNMA 3.0 102.17 +0.17 30YR GNMA 3.5 104.77 +0.17 15YR FNMA 3.0 104.02 +0.03 15YR FNMA 2.5 101.83 +0.13 Treasuries Yield Change 2 YR 0.5197% +0.0226 5 YR 1.5710% -0.0298 10 YR 2.2605% -0.0441 30 YR 2.9668% -0.0507 Prices as of: 11/25/2014 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. © 2014 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 Now at 1-Month Lows; Who will Pick up Fed's MBS Buying Slack?; HUD's New 4bp Fee

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30 Year Fixed 3.95%   -0.01 15 Year Fixed 3.15%   -0.01 10YR Treasury 2.30%   -0.0053 FNMA 30YR 3.5 103.72   +0.05 FNMA 15YR 2.5 103.98   +0.05 View Today's Rates

Monday November 24, 2014 Mortgage Rate Watch - 4:40PM Mortgage Rates Now at 1-Month Lows Mortgage rates continue making improvements so small and so steady that they're barely noticeable, but they're improvements just the same. That's recently meant that we've technically ... MND NewsWire - 2:23PM Who Will Pick up Fed's MBS Buying Slack? The Federal Reserve has completed its latest round of Quantitative Easing, the government sponsored enterprises (GSEs) Freddie Mac and Fannie Mae are under orders to continue shrinking ... MBS Commentary - 12:57PM MBS MID-DAY: Quietly Holding Near Friday's Best Levels Meaningful inputs have been few and far between for bond markets today. With Japanese markets closed, overnight Treasury trading got off to a late start. Stronger data out of Germany ... Pipeline Press - 10:34AM HUD's 4bp Fee; FHA/Ginnie updates; Status of Mortgage Forgiveness Tax Act If you're looking for next investment property, the nearest "college town" may serve you well. According to research from Clear Capital , out of the top 35 cities where home prices ... MBS Week Ahead: Action-Packed and Holiday-Shortened: Sometimes That's Enough GSEs Cut Lenders a Big, Retroactive Break on Reps and Warrants Latest Video Lennar CEO: Mortgage finance holding back housing Santelli: 30-year breaks pattern Commercial real estate improvement continues More News from 'Around the Web' www.cfpbmonitor.com - 4:31PM CFPB's first criminal referral ends in 9-year sentence WSJ - 3:44PM 5 Things to Watch in the U.S. GDP Report WSJ - 3:44PM Conservative ECB Officials Play Down Need for More Stimulus www.cfpbmonitor.com - 3:44PM CFPB Fall 2014 rulemaking agenda indicates further delay in proposed debt collection and other rules WSJ - 3:43PM Jobs: Visualizing Recovery, State By State Calculated Risk Blog - 2:16PM Black Knight: House Price Index down slightly in September, Up 4.6% year-over-year Bloomberg - 2:15PM Treasuries Erase Losses After $28 Billion Sale of Two-Year Notes - Bloomberg CNBC - 12:06PM Fed may raise rates 'to see what happens': Gundlach CNBC - 12:06PM Big investors pull back on housing WSJ - 11:25AM ECB's Weidmann: Monetary Policy Alone Can't Create Growth Market Watch - 11:00AM A 'landlord's market' expected for 2015, 2016: NAR Bloomberg - 10:58AM Liquidity Drains Out of Bond Market as Top Funds Swell, BIS Says - Bloomberg freddiemac.mwnewsroom.com - 10:58AM Freddie Mac Improves Transparency of Single-Family Loan-Level Publicly Available Data CNBC - 9:53AM Euro zone yields hit lows: Is ECB trumping reality? transunion.mwnewsroom.com - 9:01AM TransUnion: Auto Loan Delinquency Rate and Debt Rise Again CNBC - 8:59AM Gas prices slide to 4-year low: Lundberg Market Watch - 8:52AM Economic growth moderates in October, Chicago Fed national activity index shows Bloomberg - 8:52AM LendingClub's IPO Looms Over Alternative Lenders Seeking Funds - Bloomberg Today's Rates Best Execution Rate Change 30 Yr FRM 3.95% -0.01 15 Yr FRM 3.15% -0.01 FHA 30 Year Fixed 3.50% +0.00 Jumbo 30 Year Fixed 3.80% -0.01 5/1 Yr ARM 3.23% -0.01 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 4.18% 0.24 -0.01 15 Yr. Fixed 3.38% 0.27 +0.00 30 Yr. Jumbo 4.10% 0.16 -0.03 30 Yr. FHA 3.85% 0.18 -0.05 5/1 ARM 3.09% 0.34 +0.04 Freddie Mac ** 30 Yr. Fixed 3.99% 0.50 -0.02 15 Yr. Fixed 3.17% 0.50 -0.03 1 Yr. ARM 2.44% 0.40 +0.01 5/1 Yr. ARM 3.01% 0.50 -0.01 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 3.0 100.36 +0.06 30YR FNMA 3.5 103.72 +0.05 30YR GNMA 3.0 102.00 0.00 30YR GNMA 3.5 104.59 +0.06 15YR FNMA 3.0 103.98 +0.05 15YR FNMA 2.5 101.70 +0.06 Treasuries Yield Change 2 YR 0.4971% -0.0080 5 YR 1.6008% -0.0066 10 YR 2.3046% -0.0053 30 YR 3.0175% +0.0024 Prices as of: 11/24/2014 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. © 2014 Brown House Media, Inc. All rights reserved. Brown House Media Inc. - 19706 One Norman Blvd - Cornelius, NC 28031

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