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Just Listed! 4675 BETELNUT St Boca Raton, FL 33428
January 22nd, 2010 12:21 AM
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$151,000.00
4675 BETELNUT St

Boca Raton, FL 33428



Beds: 4 Rooms: 0
Full Baths: 2 Sq. Ft.: 1356
Garage: 0 Built: 1978
 

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Maria Marandici
Realty Assocaites FL
5612136154
www.isellbocahomes.com



 
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Posted by Maria Marandici on January 22nd, 2010 12:21 AMPost a Comment (0)

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Just Listed! 8601 BOCA GLADES BOULEVARD Boca Raton, FL 33434
June 16th, 2009 9:27 PM
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$99,500.00
8601 BOCA GLADES BOULEVARD

Boca Raton, FL 33434



Beds: 2.0 Rooms: 0
Baths: 2.00 Sq. Ft.: 1233.00
Garage: 0 Built: 1986
 

This is a new listing that
I thought you might be
interested in. Visit this
listing online to see more
photos of the property,
Google Earth satellite
images, and much more.
 

If you have any questions
about this property or
require more information,
please feel free to call.

Maria Marandici
United Realty Group
5612136154
www.isellbocahomes.com



 
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Posted by Maria Marandici on June 16th, 2009 9:27 PMPost a Comment (0)

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Obama unveils plan to prevent foreclosures
February 19th, 2009 8:38 AM

President Barack Obama unveiled plans Wednesday to help up to 9 million homeowners restructure or refinance their mortgages to avoid foreclosure.

The plan will enable as many as 5 million homeowners with loans owned or guaranteed by Fannie Mae or Freddie Mac to refinance their mortgages through those institutions. Under current rules, refinancing is not an option for most homeowners who owe more than 80 percent of the value of their homes.

Removing this restriction “will allow millions of families struck with loans at a higher rate to refinance,” Obama said. “And the estimated cost to taxpayers would be roughly zero; while Fannie and Freddie would receive less money in payments, this would be balanced out by a reduction in defaults and foreclosures.”

An additional 3 million to 4 million homeowners will be able to avoid foreclosure through a new $75 billion mortgage modification program. The Homeowner Stability Initiative will be available to homeowners who are at imminent risk of default, even if they are now current on their payments.

Lenders will be responsible for reducing interest rates on these loans so the monthly payment would be no more than 38 percent of the homeowner’s income. Government funds would match further reductions in interest rates to bring the payment down to 31 percent of income.

“If lenders and homebuyers work together, and the lender agrees to offer rates that the borrower can afford, we’ll make up part of the gap between what the old payments were and what the new payments will be,” Obama said in a speech to be delivered Wednesday in Phoenix.

Mortgage servicers would receive an upfront fee of $1,000 for each loan modification that meets the program’s guidelines and would continue to receive up to $1,000 a year in fees for three years as long as the borrower remains current on the loan.

Servicers also will receive a $500 bonus if they modify at-risk loans before they fall behind. Mortgage holders will receive a $1,500 bonus to do this.

The Treasury Department will create an insurance fund of up to $10 billion to compensate mortgage holders if home prices decline. This is designed to discourage lenders from foreclosing on mortgages out of fear that housing values will decline later.

Under this mortgage modification program, the federal government also will pay up to $1,000 a year for five years to reduce the principal on homeowners’ mortgages, as long as they remain current on the loans.

“By making these investments in foreclosure prevention today, we will save ourselves the costs of foreclosure tomorrow -- costs borne not just by families with troubled loans, but by their neighbors and communities and by our economy as a whole,” Obama said.

The Treasury Department also will develop uniform guidelines for mortgage modifications. Any lenders that receive financial assistance from the government will be required to follow these guidelines, as will Fannie Mae and Freddie Mac. The administration will work with federal and state agencies to implement the guidelines across the entire mortgage market.

The federal government will provide up to $200 billion in additional capital to Fannie Mae and Freddie Mac so that those institutions, which back most new home loans, “can continue to stabilize markets and hold mortgage rates down,” Obama said.

The president also endorsed legislation that would allow bankruptcy judges to reduce the principal on homeowners’ mortgages.


Posted by Maria Marandici on February 19th, 2009 8:38 AMPost a Comment (0)

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Just Listed! 921 LYONS RD # 3103 Coconut Creek, FL 33063
February 4th, 2009 1:24 AM
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$1,250.00
921 LYONS RD # 3103

Coconut Creek, FL 33063



Beds: 2.0 Rooms: 0
Baths: 2.00 Sq. Ft.: 0
Garage: 0 Built: 0
 

This is a new listing that
I thought you might be
interested in. Visit this
listing online to see more
photos of the property,
Google Earth satellite
images, and much more.
 

If you have any questions
about this property or
require more information,
please feel free to call.

Maria Marandici
United Realty Group
5612136154
www.isellbocahomes.com



 
  Visit this listing at Here

Posted by Maria Marandici on February 4th, 2009 1:24 AMPost a Comment (0)

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Existing-Home Sales Show Strong Gain In December
January 26th, 2009 11:11 PM
RISMEDIA, January 27, 2009-Existing-home sales rose unexpectedly while inventory declined, led by a surge of sales in the West, according to the National Association of Realtors®.

Existing-home sales-including single-family, townhomes, condominiums and co-ops-jumped 6.5% to a seasonally adjusted annual rate of 4.74 million units in December from a downwardly revised pace of 4.45 million units in November, but are 3.5% below the 4.91 million-unit pace in December 2007.

For all of 2008 there were 4,912,000 existing-home sales, which was 13.1% below the 5,652,000 transactions recorded in 2007. This is the lowest volume since 1997 when there were 4,371,000 sales.

Lawrence Yun, NAR chief economist, said home prices continue to fall significantly. “It appears some buyers are taking advantage of much lower home prices,” he said. “The higher monthly sales gain and falling inventory are steps in the right direction, but the market is still far from normal balanced conditions. Buyers will continue to have an edge over sellers for the foreseeable future.”

Total housing inventory at the end of December fell 11.7% to 3.68 million existing homes available for sale, which represents a 9.3-month supply at the current sales pace, down from a 11.2-month supply in November.

Yun said the market is underperforming and hurting the broader economy. “We’ve added 25 million people to our population over the past decade and housing affordability conditions are the best we’ve seen since 1973, but household formation is much lower than expected,” he said. “Consequently, there is a pent-up demand which could be unleashed with the right stimulus, including a non-repayable home buyer tax credit. The Obama administration and Congress need to move fast to stimulate a spring sales upturn which will help to stabilize home prices and set the foundation for a sustainable economic recovery.”

The national median existing-home price for all housing types was $175,400 in December, which is 15.3% below December 2007 when the median was $207,000. There remains a significant downward distortion in the current median from a large number of distress sales at discounted prices, currently 45% of transactions; the median is where half of the homes sold for more and half sold for less. For all of 2008, the median price was $198,600, down 9.3% from $219,000 in 2007.

NAR President Charles McMillan, a broker with Coldwell Banker Residential Brokerage in Dallas-Fort Worth, said it’s an excellent time for first-time home buyers with good jobs. “The typical buyer plans to stay in their home for 10 years, which is the correct approach in today’s market,” he said. “With historically low mortgage interest rates, flexible sellers, a large inventory, and homes that are selling for less than replacement construction costs in much of the country, buyers who’ve been on the fence should take a closer look at today’s market.”

McMillan added that first-time buyers may want to consider an FHA loan, which offers downpayments of 3.5% on a safe 30-year fixed-rate mortgage.

According to Freddie Mac, the national average commitment rate for a 30-year, conventional, fixed-rate mortgage fell to 5.29% in December from 6.09% in November; the rate was 6.10% in December 2007. Last week, Freddie Mac reported the 30-year rate was 5.12%.

Single-family home sales rose 7.0% to a seasonally adjusted annual rate of 4.26 million in December from a level of 3.98 million in November, but are 1.4% below a 4.32 million-unit pace in December 2007. For all of 2008, single-family sales fell 11.9% to 4,349,000.

The median existing single-family home price was $174,700 in December, down 14.8% from a year ago. For all of 2008, the single-family median was $197,100, which is 9.5% below 2007.

Existing condominium and co-op sales increased 2.1% to a seasonally adjusted annual rate of 480,000 units in December from 470,000 in November, but are 18.4% below the 588,000-unit level a year ago. For all of 2008, condo sales dropped 21.0% to 563,000 units.

The median existing condo price4 was $181,400 in December, down 18.3% from December 2007. For all of 2008, the median condo price was $210,000, which is 7.2% below 2007.

Regionally, existing-home sales in the Northeast slipped 1.4% to an annual pace of 720,000 in December, and are 14.3% below December 2007. The median price in the Northeast was $235,000, which is 7.8% lower than a year ago.

Existing-home sales in the Midwest increased 4.0% in December to a level of 1.04 million but are 10.3% below a year ago. The median price in the Midwest was $140,800, down 11.4% from December 2007.

In the South, existing-home sales rose 7.4% to an annual pace of 1.74 million in December, but are 11.2% lower than December 2007. The median price in the South was $158,600, which is down 8.0% from a year ago.

Existing-home sales in the West jumped 13.6% to an annual rate of 1.25 million in December and are 31.6% higher than a year ago. The median price in the West was $213,100, down 31.5% from December 2007.


Posted by Maria Marandici on January 26th, 2009 11:11 PMPost a Comment (0)

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Florida home sales up in December, down for 2008
January 26th, 2009 4:17 PM
Florida’s existing home sales rose in December for the fourth consecutive month, according to the latest housing data released by the Florida Association of Realtors. However, for all of 2008, home sales fell 4 percent, with 124,215 homes sold statewide, down from 129,855 in 2007.

Existing home sales rose 27 percent in December, with 11,053 homes sold, up from 8,712 homes December 2007. Between November and December, statewide existing home sales rose 28.9 percent.

Sales of existing condos statewide rose 12 percent in December, to 3,138 from 2,814 sold in December 2007. Statewide existing condo sales last month increased 37.7 percent over the total units sold in November.

The median sales price last month was $130,600, down 32 percent from December 2007, when the median price was $192,600.

For all of 2008, the median sales price for existing homes dipped 20 percent, to $187,800 from $234,300 in 2007.

Condo sales reached 37,797 units statewide in 2008, a 10 percent decrease from the 41,865 that sold in 2007.

The statewide condo median sales price was $164,400 in 2008, down 20 percent from $205,200 in 2007.

In Fort Lauderdale, 632 existing homes sold in December, up 52 percent from December 2007, when 415 homes sold. The median sales price was $217,700, down 34 percent from December 2007, when the median price was $329,800.

Condo sales in Fort Lauderdale for December were up 31 percent, to 595 from 455 in December 2007. The median sales price was down 43 percent, to $97,300 from $171,800.

Existing home sales in Miami for December reached 431, up 28 percent from 336 in December 2007. The median sales price was down 41 percent, to $215,500 from $362,500 in December 2007.

Condo sales in Miami were up 48 percent in December, to 456 from 308 in December 2007. The Median sales price was down 33 percent, to $176,600 from $263,500.

In West Palm Beach, existing home sales in December were up 37 percent, to 638 from 467 in December 2007. The median sales price dropped 27 percent, to $246,000 from $337,900.

Condo sales in West Palm Beach were up 26 percent for the month – to 527 from 419 the previous December. The median sales price dropped 30 percent to $112,900 from $161,400.

Fort Lauderdale saw a 4 percent growth in single-family home sales between 2007 and 2008, with 6,377 homes sold last year, up from 6,127 in 2007. However, the median sales price fell 23 percent, to $278,000 in 2008 from $363,100 in 2007.

Condo sales in Fort Lauderdale remained relatively flat, with 6,551 sales in 2008, compared with 6,533 in 2007. However, the median sales price fell 29 percent, to $132,900 in 2008 from $187,600 the previous year.

In Miami, sales of existing single-family homes were down 17 percent, to 4,379 from 5,289 in 2007. Median prices dropped to $276,600 from $380,100, a 27 percent decline.

Condo sales in Miami dropped to 4,580 from 5,772, a 21 percent decline. Median sales prices for condos were down 12 percent, to $239,400 from $272,000.

In West Palm Beach, single-family home sales also remained relatively flat at 6,953, down from 6,971 in 2007. The median sales price for a single-family home in 2008 was $302,800, down from $369,400 in 2007, an 18 percent drop.

Condo sales in West Palm Beach for the year saw a 7 percent rise, to 6,075 from 5,674 in 2007. Median prices fell 27 percent to $143,800 from $198,000.

Economic issues continue to take their toll on the housing market, according to Lawrence Yun, chief economist for the National Association of Realtors. But, in NAR’s latest housing outlook, he noted that the right economic stimulus package could help.

“With a proper real estate-focused stimulus measure, home sales could rise more than expected, by more than 10 percent to 5.5 million in 2009, and easily begin to stabilize home prices in many parts of the country,” Yun said in a press release. “Stable home prices will, in turn, lessen foreclosure pressures and lay the foundations for a solid economic recovery as the nation’s 75 million homeowners regain confidence.”


Posted by Maria Marandici on January 26th, 2009 4:17 PMPost a Comment (0)

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Mortgage Rates Down Again
January 18th, 2009 8:49 PM

Another week, another new low for the long term mortgage markets.

For the 11th consecutive week Freddie Mac's Primary Mortgage Market Survey showed that the average interest rate for the 30-year fixed-rate mortgage (FRM) broke another record in the 37-year history of the survey. During the week ended January 15 the rate averaged 4.96 percent with 0.7 point, down from last week's average of 5.01 percent with 0.6 point.

The 15-year FRM was up three basis points from the week ended January 8, averaging 4.65 percent. Fees and points averaged 0.7 point both weeks.

Five-year Treasury-indexed hybrid adjustable-rate mortgages (ARMs) dropped nearly a quarter of a point, from 5.49 percent with 0.7 point to 5.25 percent and 0.6 point. This is the lowest rate for the 5-year hybrid since September 8, 2005 although Freddie Mac has only tracked this mortgage since January 1 of that year.

One-year Treasury-indexed ARMs averaged 4.89 percent with 0.5 point. Last week the average was 4.95 also with 0.5 point.

"Interest rates for 30-year fixed rate mortgages fell for the 11th straight week to another record low, due in part to the slowing economy and government actions," said Frank Nothaft, Freddie Mac vice president and chief economist. "So far, both the U.S. Treasury Department and the Federal Reserve have added over $100 billion in liquidity to the mortgage market since September 2008, which put downward pressure on interest rates for fixed-rate mortgages. The Federal Reserve may add up to an additional $570 billion more this year, based on its November 25, 2008 announcement, to further shore up mortgage lending and keep rates low.

"In December, the unemployment rate rose to 7.2 percent, the highest since January 1993, and the economy lost 2.6 million jobs over 2008, the largest annual drop since 1945. That brought down yields on Treasury securities and mortgage rates followed."

Earlier in the week Fannie Mae reported on its posted yields for the week ended January 9. Servicing fees are not included in these quotes.

The 30-year FRM averaged 4.19 percent compared to 4.49 a week earlier. The 15-year FRM had an average yield of 4.01 compared to 4.14 the week before and the 30 year government guaranteed FHA/VA loans were are 4.96, down from 5.520. The one-year ARM was up from 4.42 to 4.52.

 


Posted by Maria Marandici on January 18th, 2009 8:49 PMPost a Comment (0)

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Obama on Track to Win $350 Billion from Congress for Bailout
January 15th, 2009 10:32 PM

RISMEDIA, January 15, 2009-(MCT/RISMedia)-A week before taking office, President-elect Barack Obama worked Tuesday to ensure that he’ll have more than a trillion dollars at his disposal within weeks to shore up the still-sinking economy. He appeared on track to win a quick $350 billion down payment from Congress, with more to come later. Also Tuesday in other economic efforts, National Association of Realtors President Charles McMillan addressed the House Financial Services Committee, saying that in order to move the country out of this economic crisis, Congress and the next administration must place significant emphasis on restoring confidence in the housing market.

“The housing sector is at the core of the current economic crisis,” McMillan said. “A renewed, revitalized and robust housing market is essential to generating commerce and helping families build wealth.”

Obama, with top aides in tow, worked at what one aide called a continuing high-stakes effort to assure rapid congressional support for an unprecedented outpouring of money to reverse the country’s downward economic spiral.

First, he’s trying to convince Congress to let him have the second half of the $700 billion Wall Street bailout package created last fall. Senate Democrats signaled afterward that, while they still have questions about how he’ll spend the money, they will give their OK this week so he can start tapping into the money within days of becoming president.

Second, he’s still working to convince lawmakers to approve a stimulus package that would allow him to spend upward of $800 billion over two years to create more than 3 million jobs, many of them in construction and manufacturing.

Democrats were hopeful that they could pass a bipartisan bill by mid-February, but they said that questions remained and the bill was still being negotiated. They said that Obama was willing to bargain, apparently ready to drop a proposed $3,000-per-job tax credit to businesses for jobs created or saved, for example, and to expand an energy tax credit.

“Did he close the deal? Well, he did a lot of closing today,” said Sen. Debbie Stabenow, D-Mich. “There’s no better closer.”

The more pressing issue was Obama’s urgent request, formally made by President George W. Bush on his behalf, for the remaining $350 billion in the Troubled Asset Relief Program.

Obama told Democrats that he will use the money differently from how Bush and Treasury Secretary Henry Paulson used the first half, a critically important offer to win over members of Congress who don’t think the first $350 billion was well spent or monitored.

Most notably, Obama said he’d focus more on helping homeowners avoid foreclosures, work more to help people get student loans and car loans, and make sure that the taxpayers’ money didn’t go to high salaries or bonuses for Wall Street executives.

Meanwhile, during McMillan’s testimony, he congratulated Chairman Barney Frank, D-Mass., on H.R. 384, the TARP Reform and Accountability Act, which was introduced last week. Many points in this bill reinforce NAR’s proposed recovery plan to stimulate housing investment, mitigate foreclosures, help current homeowners, and provide needed liquidity to commercial mortgage markets to ensure that financing is available.

The principle focus of NAR’s plan is to ensure that the Troubled Asset Relief Program does what it was originally intended to do - end the credit crisis and jumpstart mortgage lending. “It is imperative to get TARP back on track by targeting funds for mortgage relief, which will help lower mortgage rates and reduce foreclosures,” said McMillan. “In addition, eliminating the repayment feature of the first-time home buyer tax credit and expanding it to all home buyers; reinstating the higher mortgage loan limits for FHA, Fannie Mae and Freddie Mac; and lowering mortgage interest rates through a buy-down program will meaningfully impact the housing industry.”

“We are pleased that Congress is moving forward on these important issues. Together these actions will build a solid foundation for a housing recovery,” said McMillan.

NAR’s plan also includes keeping mortgage interest rates low, boosting home buyer confidence, and reducing the current foreclosure rate. NAR has also asked that regulators be encouraged to help financial institutions resolve problems in the short-sale process, make it easier for servicers to modify existing loans, remove unreasonable underwriting guidelines and insist that credit reporting agencies correct errors promptly.

“Low interest rates are only effective if people can get a loan. We hear every day from our members that even home buyers with good credit are having trouble getting mortgage loans. We must all work together to unclog the housing and financial system,” said McMillan.

NAR called on Congress to use current TARP dollars to not only reduce interest rates, but also fix operational issues that are preventing consumers from getting or modifying home loans. “These are critical steps that must be undertaken quickly if we are to right our nation’s housing and financial markets,” McMillan said.

NAR hailed the House of Representatives’ actions and called on the Senate to move quickly in adopting its proposal. NAR also expressed hope that the new administration will focus on a housing recovery as it moves forward with a larger stimulus package.

On Tuesday, the No. 2 official at the Federal Reserve also told Congress that it’s essential that Congress allow the second $350 billion to be spent. Federal Reserve Vice Chairman Donald Kohn also endorsed Obama’s idea of using some of the money to ward off more home foreclosures.

“Preventable foreclosures harm not only the affected borrowers and their communities but also, through their effects on the housing market, the broader economy and the financial system as well,” Kohn told the House Financial Services Committee.

While most Democrats at the lunch meeting welcomed the push against foreclosures and other changes, they told Obama that they want to see more details.

Obama, said Sen. Ben Nelson, D-Neb., “wants us to trust and verify, but I’m not sure yet what we’re supposed to verify.”

Republicans had similar thoughts: “Too general,” said Sen. John Cornyn, R-Texas.

“The American people have a lot of questions about how additional funds would be used,” said Sen. Mitch McConnell, R-Ky., his party’s leader in the Senate.

“The current administration used these funds for the auto industry, a move that I opposed,” he said. “Now congressional Democrats are urging more of the same. The American people still don’t have assurances that this money will not be wasted or misused to play favorites. So far, the incoming administration has not said whether it plans to limit funds to their original purpose or to expand their use to help specific industries.”

Obama spoke with McConnell on Monday, seeking broad bipartisan support even though he doesn’t need it. He planned to meet with other Senate Republicans later.

“We’ll be happy to listen,” McConnell said. “They’ll have a receptive albeit cautious audience.”

Ultimately, Obama doesn’t need much to get the money. Congress gave itself the power to block the second installment, but that would take majority votes in the House of Representatives and the Senate, both of which Democrats control.

© 2009, McClatchy-Tribune Information Services.


Posted by Maria Marandici on January 15th, 2009 10:32 PMPost a Comment (0)

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Last Week in the News 6-11 Jan 2009
January 12th, 2009 8:32 AM

On Monday, January 5, the Commerce Department reported total construction spending fell 0.6% in the month of November. Economists had anticipated a much steeper drop of 1.3%. The primary cause for the drop was residential construction spending, which fell in November by 4.2% to a seasonally adjusted annual rate of $328.3 billion. Residential construction spending is down 23.4% from a year ago.

On Tuesday, the National Association of Realtors said pending sales for existing homes in November fell to the lowest level in the eight-year history of its index. The trade group said its seasonally adjusted index fell 4% to 82.3 in November from a revised 85.7 in October. Economists expected a reading of 88.

The Commerce Department reported factory orders declined by 4.6% in November, nearly double the 2.5% drop economists expected. Orders have been falling since August, with a 6% drop in October, the biggest decline in eight years. The report showed that demand for durable goods, items expected to last three or more years, fell a modest 1.5% in November. Durable goods dropped 8.5% in October. Demand for nondurable goods, items such as food, paper and petroleum products, dropped by 7.4% in November following a 3.8% decline in October.

The Labor Department said on Thursday the number of people continuing to claim jobless benefits rose by 101,000 to 4.61 million, above the 4.5 million economists expected.

On Friday, the Labor Department reported that the nation’s unemployment rate increased to 7.2% in December from 6.8% in November as businesses cut 524,000 jobs. Employers are also cutting workers’ hours. The average work week in December fell to 33.3 hours, the lowest level on record dating back to 1964.

In other news, the New York-based real estate data company Radar Logic Inc. reported that motivated sales, which include foreclosure auctions and banks selling homes taken over for non-payment, in the 25 largest U.S. metropolitan areas increased 193% between January 2008 to October 2008.

Upcoming on the economic calendar are reports on retail sales on January 14 and consumer inflation on January 16.


Posted by Maria Marandici on January 12th, 2009 8:32 AMPost a Comment (0)

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Daily Rate Lock Advisory 1/12/2009
January 12th, 2009 8:31 AM
Monday's bond market opened in negative territory but has since rebounded into positive ground. The stock markets are showing losses with the Dow down 85 points and the Nasdaq down 26 points. The bond market is currently up 10/32, but we will likely still see a small increase in this morning's mortgage pricing due to weakness in mortgage bonds late Friday and early this morning.

There is no relevant economic news scheduled for release today or tomorrow. Look for the stock markets to influence bond trading and therefore mortgage rates until we get to the relevant data later in the week. If we continue to see stock weakness, bonds may thrive, pushing mortgage rates slightly lower.

The rest of the week brings us the release of five pieces of economic data to digest. The first is December's Retail Sales data early Wednesday morning. This Commerce Department report measures consumer spending by tracking sales at retail establishments in the U.S. Since consumer spending makes up two-thirds of the U.S. economy, any related data is watched closely. Current forecasts are calling for a decline in sales of approximately 1.1%. A larger drop would be good news for bonds and mortgage rates.

Overall, Wednesday, Thursday or Friday may end up being the most important day of the week. The single most important report is the CPI, but the Retail Sales and PPI reports on Wednesday and Thursday respectively, are also considered to be of high importance and can heavily influence the markets. Therefore, I strongly recommend maintaining contact with your mortgage professional, especially the latter part of the week.

If I were considering financing/refinancing a home, I would.... Lock if my closing was taking place within 7 days... Lock if my closing was taking place between 8 and 20 days... Float if my closing was taking place between 21 and 60 days... Float if my closing was taking place over 60 days from now... Th is is only my opinion of what I would do if I were financing a home. It is only an opinion and cannot be guaranteed to be in the best interest of all/any other borrowers.

Posted by Maria Marandici on January 12th, 2009 8:31 AMPost a Comment (0)

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