Tuesday, November 25, 2008

HUGE RATE CHANGE!

I have previously written about the impact of the Mortgage Backed Securities Market (MBS) on rates. This morning, Henry Paulson announced that the Fed will be providing upwards of $800M to free up credit markets; a portion of this money will be used for the purchase of mortgage backed securities. This purchasing will drive bond prices up and rates down. In fact, today's rate for a 30- year fixed is 5.5% with 0 points and FHA 5.99% with 0 points.

Throughout my career these past few months rank among the highest in mortgage rate volatility. However, these rate changes are a big catalyst to getting more people in homes and helping you generate more personal income.

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