MORTGAGE INTEREST RATE LOCK ADVISORY June 4, 2014 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: LOCK The price for 3.50% Mortgage Loans based on MBS is currently down 0.01 point. Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.02% to 4.12% on May 29. MBS (3.5%) - Currently 102.15, High: 102.38, Low: 102.12 DJI Stocks currently $16,706.96, Down $15.38, Change -0.092% Asian & European Stock Market Indexes changed -0.204% Crude Oil (WTI) Currently $103.52 - Change 0.84% Gold 1 Ounce - $1,244.01   MORTGAGE AND REAL ESTATE NEWS     Majority of Americans Believe Housing Crisis Isn't Over  By: Tory Barringer - Recession-RecoveryWhile the ho... 06/04/2014

MORTGAGE INTEREST RATE LOCK ADVISORY June 3, 2014 7:55 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: LOCK The price for 3.50% Mortgage Loans based on MBS is currently up 0.24 point. Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.02% to 4.12% on May 29. MBS (3.5%) - Currently 102.38, High: 102.62, Low: 102.29 DJI Stocks currently $16,700.67, Down $42.96, Change -0.257% Asian & European Stock Market Indexes changed -0.185% Crude Oil (WTI) Currently $102.42 - Change -0.05% Gold 1 Ounce - $1,243.79   MORTGAGE AND REAL ESTATE NEWS     Prices Fully Recovered in One-Third of Top U.S. Markets  By: Tory Barringer - A new report indicates more tha... 06/03/2014

MORTGAGE INTEREST RATE LOCK ADVISORY June 2, 2014 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: LOCK The price for 3.50% Mortgage Loans based on MBS is currently up 0.19 point. Amid mix market signals is seems that we are pushing the rate envelope and locking is the safe bet.  Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.02% to 4.12% on May 29. MBS (3.5%) - Currently 102.75, High: 102.97, Low: 102.73 DJI Stocks currently $16,710.63, Down $6.54, Change -0.039% Asian & European Stock Market Indexes changed 0.55% Crude Oil (WTI) Currently $102.48 - Change -0.22% Gold 1 Ounce - $1,245.90   MORTGAGE AND REAL ESTATE NEWS     Rate Resets... 06/02/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 30, 2014 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: LOCK The price for 3.50% Mortgage Loans based on MBS is currently up 0.04 point. Gold is down $50 this week which usually indicates a flight way from the safety of bonds. Stocks are up for the week, another indicator that rates should rise.. MBS prices continue to move sideways at the top of a long term trading channel. It seems that we are pushing the rate envelope and locking is the safe bet when signals are mixed. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.02% to 4.12% on May 29. MBS (3.5%) - Currently 102.87, High: 103.02, ... 05/30/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 29, 2014 7:30 AM PST  Click for Updated Lock Advice    LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The price for 4.00% Mortgage Loans based on MBS is currently down 0.06 point. Gold is down, stocks are up and rates should be rising.  Yet, they decline.  It seems that we are pushing the rate envelope and locking is the safe bet with mixed signals.  30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK   MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.02% to 4.12% on May 29.MBS (4%) - Currently 106.14, High: 106.14, Low: 105.95 DJI Stocks currently $16,631.54, Down $1.64, Change -0.01% Asian & European Stock Market Indexes changed -0.235% Crude Oil (WTI) Currently $103.03 - Change 0.3% Gold 1 Ou... 05/29/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 28, 2014 8:00 AM PST  Click for Updated Lock Advice    LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The price for 4.00% Mortgage Loans based on MBS is currently down 0.21 point. The MBS market moved sideways for a week at the top of a long established trading channel. In my opinion the best move is to lock. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK   MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.06% to 4.14% on May 22. MBS (4%) - Currently 105.95, High: 106.01, Low: 105.72 DJI Stocks currently $16,628.81, Down $46.69, Change -0.281% Asian & European Stock Market Indexes changed 0.22% Crude Oil (WTI) Currently $103.50 - Change -0.59% Gold 1 Ounce - $1,261.56   MORTGAGE AND REAL EST... 05/28/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 27, 2014 8:00 AM PST  Click for Updated Lock Advice    LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The price for 4.00% Mortgage Loans based on MBS is currently up 0.06 point. The MBS market has moved sideways for about a week at the top of a long established trading channel. In my opinion the best move is to lock. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK   MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.06% to 4.14% on May 22. MBS (4%) - Currently 105.58, High: 105.68, Low: 105.46 DJI Stocks currently $16,682.98, Up $76.71, Change 0.46% Asian & European Stock Market Indexes changed 0.079% Crude Oil (WTI) Currently $104.06 - Change -0.28% Gold 1 Ounce - $1,267.12   MORTGAGE AND REA... 05/27/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 23, 2014 8:00 AM PST  Click for Updated Lock Advice    LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: NEUTRAL The price for 4.00% Mortgage Loans based on MBS is currently down 0.02 point MBS price broke through the top of a long term price barrier in place for almost a year. This could signal even lower rates but history tells us to be careful at this point. 30 Day Mortgage Interest Rate Lock or Float Advice:  FLOAT   MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.06% to 4.14% on May 22. MBS (4%) - Currently 105.53, High: 105.55, Low: 105.53 DJI Stocks currently $16,596.57, Up $53.49, Change 0.322% Asian & European Stock Market Indexes changed 0.577% Crude Oil (WTI) Currently $104.04 - Change 0.29% Gold ... 05/23/2014

Escondido Homes for Sale What Happened in the Escondido Real Estate Market in April 2014?   Escondido is an inland community, about 17 miles from the coast and just east of San Marcos. Like neighbors San Marcos, Vista and Oceanside, Escondido home values have seen fairly significant shifts in the real estate market with a large number of short sales and foreclosures, although that has changed in the last year or so in a positive direction.   As a buyer or seller in the housing market in Escondido, understanding recent trends and current market conditions is essential so you can make informed decisions about buying and selling Escondido homes; media reports focus on general market conditions and therefore will not provide an accurate picture of the local Escondido real estate market.   R... 05/22/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 22, 2014 7:55 AM PST  Click for Updated Lock Advice    LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: NEUTRAL The price for 4.00% Mortgage Loans based on MBS is currently down 0.06 point MBS price broke through the top of a long term price barrier in place for almost a year. This could signal even lower rates but history tells us to be careful at this point. 30 Day Mortgage Interest Rate Lock or Float Advice:  FLOAT   MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.06% to 4.14% on May 22. MBS (4%) - Currently 105.56, High: 105.61, Low: 105.36 DJI Stocks currently $16,547.28, Up $14.22, Change 0.086% Asian & European Stock Market Indexes changed -0.01% Crude Oil (WTI) Currently $104.12 - Change 0.05% Gold ... 05/22/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 21, 2014 9:00 AM PST  Click for Updated Lock Advice    LOCK ADVISORY      7 Day Close Mortgage Interest Rate lock or Float Advice: LOCK The price for 4.00% Mortgage Loans based on MBS is currently up 0.03 point. MBS is trading at the top of a long term price barrier that has limited the price for almost a year.  If the price breaks out it could signal even lower rates but history tells us to be careful at this point and lock.      30 Day Close Mortgage Interest Rate Lock or Float Advice:  LOCK   MORTGAGE MARKET INDICATORS FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.01% to 4.20% on May 15. MBS (4%) - Currently  105.47, High: 105.5, Low: 105.39 DJI Stocks currently $16,491.38,  Up $117.07, Change 0.71% Asian & European Stock Market Indexes ch... 05/21/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 21, 2014 8:00 AM PST  Click for Updated Lock Advice    LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: FLOAT The price for 4.00% Mortgage Loans based on MBS is currently up 0.04 point. 30 Day Mortgage Interest Rate Lock or Float Advice:  FLOAT   MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.01% to 4.20% on May 15. MBS (4%) - Currently 105.46, High: 105.5, Low: 105.39 DJI Stocks currently $16,512.06, Up $137.75, Change 0.834% Asian & European Stock Market Indexes changed 0.443% Crude Oil (WTI) Currently $103.34 - Change 0.99% Gold 1 Ounce - $1,289.71   MORTGAGE AND REAL ESTATE NEWS     Realtor Incomes Increase for Third Year  by: Jann Swanson - It has been a tough few years for real estate agents but acco... 05/21/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 20, 2014 8:00 AM PST  Click for Updated Lock Advice    LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: FLOAT The price for 4.00% Mortgage Loans based on MBS is currently up 0.10 point. 30 Day Mortgage Interest Rate Lock or Float Advice:  FLOAT   MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.01% to 4.20% on May 15. MBS (4%) - Currently 105.3, High: 105.31, Low: 105.09 DJI Stocks currently $16,458.43, Down $53.43, Change -0.325% Asian & European Stock Market Indexes changed 0.006% Crude Oil (WTI) Currently $102.23 - Change -0.37% Gold 1 Ounce - $1,293.13 MORTGAGE AND REAL ESTATE NEWS     Housing Shows Life After Meek March  Author: Tory Barringer - Following an all-around weak performance the prior month, ... 05/20/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 19, 2014 8:00 AM PST  Click for Updated Lock Advice    LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: FLOAT The price for 4.00% Mortgage Loans based on MBS is currently down 0.26 point. 30 Day Mortgage Interest Rate Lock or Float Advice:  FLOAT   MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.01% to 4.20% on May 15. MBS (4%) - Currently 105.36, High: 105.5, Low: 105.27 DJI Stocks currently $16,491.92, Up $0.61, Change 0.004% Asian & European Stock Market Indexes changed -0.828% Crude Oil (WTI) Currently $102.89 - Change 0.85% Gold 1 Ounce - $1,298.71   MORTGAGE AND REAL ESTATE NEWS  Experts Split on Housing Affordability Concerns By: Tory Barringer - A new survey from Zillow finds real estate and investm... 05/19/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 16, 2014 7:45 AM PST  Click for Updated Lock Advice    LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The price for 4.00% Mortgage Loans based on MBS is currently up 0.13 point. MBS is trading at the top of a long time price channel.  The safe bet is to lock. 30 Day Mortgage Interest Rate Lock or Float Advice:  FLOAT   MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.01% to 4.20% on May 15. MBS (4%) - Currently 105.36, High: 105.5, Low: 105.27 DJI Stocks currently $16,435.60, Down $11.21, Change -0.068% Asian & European Stock Market Indexes changed 0.059% Crude Oil (WTI) Currently $101.77 - Change 0.27% Gold 1 Ounce - $1,294.25   MORTGAGE AND REAL ESTATE NEWS    Mortgage Rates Hit 6-Month Low  By: Tor... 05/16/2014

HOME LOAN INTEREST RATE ADVISORY  This page was updated  May 15, 2014  8:00 AM PST   Click for Lock Advice Updated Several Times Daily LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: FLOAT  The price for 4.00% Mortgage Loans based on MBS is currently down 0.26 point. 30 Day Close Mortgage Interest Rate Lock or Float Advice:  FLOAT MORTGAGE MARKET INDICATORS FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.01% to 4.20% on May 15. MBS (4%) - Currently  105.69, High: 105.83, Low: 105.32 DJI Stocks currently $16,469.96,  Down $144.01, Change -0.874% Asian & European Stock Market Indexes changed -1.582% Crude Oil (WTI) Currently $101.77 - Change -0.59% Gold 1 Ounce - $1,300.56 MORTGAGE & REAL ESTATE NEWS FHA Home Buyers Will Save Thousands With New Counseling. The Fede... 05/15/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 14, 2014 8:30 AM PST  Click for Updated Lock Advice    LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: FLOAT With Caution The price for 4.00% Mortgage Loans based on MBS is currently down 0.18 point. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.08% to 4.21% on May 8.  MBS (4%) - Currently 105.28, High: 105.34, Low: 105.05 DJI Stocks currently $16,661.50, Down $53.94, Change -0.324% Asian & European Stock Market Indexes changed -0.055% Crude Oil (WTI) Currently $101.15 - Change 0.56% Gold 1 Ounce - $1,304.62   MORTGAGE AND REAL ESTATE NEWS  Survey Finds Consumer Credit Knowledge Lacking                                                           ... 05/14/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 13, 2014 8:00 AM PST  Click for Updated Lock Advice    LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: FLOAT With Caution The price for 4.00% Mortgage Loans based on MBS is currently down 0.20 point. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.08% to 4.21% on May 8.  MBS (4%) - Currently  104.98, High: 105.05, Low: 104.73  DJI Stocks currently $16,728.64,  Up $33.17, Change 0.198%  Asian & European Stock Market Indexes changed 0.131%  Crude Oil (WTI) Currently $101.15 - Change 0.56%  Gold 1 Ounce - $1,296.09   MORTGAGE AND REAL ESTATE NEWS   Loan Risk Index Rises to New High in Early April Data  By: Tory Barringer - An early look at April pur... 05/13/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 12, 2014 8:30 AM PST  Click for Updated Lock Advice    LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The price for 4.00% Mortgage Loans based on MBS is currently up 0.19 point. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.08% to 4.21% on May 8. MBS (4%) - Currently 104.7, High: 104.92, Low: 104.66 DJI Stocks currently $16,679.25, Up $95.91, Change 0.575% Asian & European Stock Market Indexes changed 0.319% Crude Oil (WTI) Currently $100.74 - Change 0.75% Gold 1 Ounce - $1,298.34   MORTGAGE AND REAL ESTATE NEWS   Fannie, Freddie replacement stalled in Senate  by Ryan Smith - A plan to wind down Fannie Mae and Freddie Mac appears to be st... 05/12/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 9, 2014 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The price for 4.00% Mortgage Loans based on MBS is currently down 0.04 point. Bonds are at the top edge of a long term price trend.  While we may stand a chance to break  the range in the coming days, until that actually happens, history suggests more risk associated with floating  when we make it down to these levels. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.08% to 4.21% on May 8. MBS (4%) - Currently 105.08, High: 105.22, Low: 105 DJI Stocks currently $16,525.93, Down $25.04, Change -0.152% Asian & European Stock Market Indexes chang... 05/09/2014