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

The Glass Ranch Mother’s Day Celebration at their 20th Semi-Annual Open House in Escondido CA It’s time again for The Glass Ranch’s annual Open House Weekend, Mother’s Day Weekend, Saturday and Sunday May 10 and 11. This is a wonderful opportunity to visit The Glass Ranch in Escondido, tour spectacular gardens filled with plants, flowers and abundant art glass, watch the glass blowing demonstrations, and of course spend some time shopping.       Watch the glass blowing demo video on my YouTube Channel that I created a couple of years ago Enjoy the slide show below from one of several visits!   The Glass Ranch Open House is a very popular event and a wonderful celebration of artistry merging with nature, and a chance to see talented glass artist Gary Cohen and his glass creations, especi... 05/08/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 8, 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. I think the party may be over.  The MBS market has been up (Rates down) 14 of the past 15 trading days. While that means we 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 105.51, High: 105.57, Low: 105.34 DJI Stocks currently $16,566.00, Up $47.46, Cha... 05/08/2014

Are Factory-built Homes the Next Wave of New Construction?    BY SHARON ALTERS Real Estate Agent with Coldwell Banker Vanguard Realty EMAIL  SHORT URL              Share: June 28, 2010 11:51 PM Are factory-built homes the next wave of new construction? Re postAn article from the online Realtor® news today announced that factory-built homes are becoming more acceptable. Their cost factor of 10-35% less, plus the short length of time to build is helping them gain in popularity throughout the country, says the Manufactured Housing Institute. In the past it has been a challenge to secure financing for factory-built homes, but that may about to change with the increasing demand for this product. Manufactured housing needs to come up to speed on how to market. Many people don't realize that ... 05/07/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 7, 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 0.09 point.The MBS market has been up 14 of the past 15 trading days. While that means we 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 0.04% to 4.29% on May 1. MBS (4%) - Currently 105.37, High: 105.37, Low: 105.16 DJI Stocks currently $16,422.54, Up $21.52, Change 0.131% Asian & European Stock Market Ind... 05/07/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 6, 2014 8:00 AM PST  Click for Updated Lock Advice     LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 4.00% rate based on Mortgage Backed Securities is down 0.08 point. The MBS Market has traded up 13 of the last 14 sessions.  A correction is overdue. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.04% to 4.29% on May 1. MBS (4%) - Currently 105.12, High: 105.17, Low: 104.97 DJI Stocks currently $16,458.92, Down $71.63, Change -0.435% Asian & European Stock Market Indexes changed -0.265% Crude Oil (WTI) Currently $99.58 - Change 0.1% Gold 1 Ounce - $1,307.21   MORTGAGE AND REAL ESTATE NEWS    Best Housing Deals Now in the Mid... 05/06/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 5, 2014 7:50 AM PST  Click for Updated Lock Advice     LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 4.00% rate based on Mortgage Backed Securities is up 0.03 point. Rates are at three month lows and the odds the market will reverse are 80%. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.04% to 4.29% on May 1.MBS (4%) - Currently 104.97, High: 105.19, Low: 104.97 DJI Stocks currently $16,502.87, Down $10.02, Change -0.061% Asian & European Stock Market Indexes changed -0.447% Crude Oil (WTI) Currently $99.43 - Change -0.33% Gold 1 Ounce - $1,311.67   MORTGAGE AND REAL ESTATE NEWS  Senators urge crackdown on reverse mortgage... 05/05/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 2, 2014 3:30 PM PST  Click for Updated Lock Advice     LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 4.00% rate based on Mortgage Backed Securities closed down 0.03 point today and down 0.47 point for the week.  I am staying with this morning's recommendation to lock ASAP.  Rates are at three month lows and the odds the market will reverse are good. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.04% to 4.29% on May 1. MBS (4%) - Closed at:  105.01, High: 105.18, Low: 104.61 DJI Stocks closed at $16,512.89,  Down $45.98, Change -0.278% Asian & European Stock Market Indexes changed -0.101% Crude Oil (WTI) Closed at $99.76 - C... 05/02/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 2, 2014 8:00 AM PST  Click for Updated Lock Advice     LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The cost for a 4.00% rate based on Mortgage Backed Securities is down 0.03 point. Rates are at three month lows and the odds the market will reverse are good. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.04% to 4.29% on May 1. MBS (4%) - Currently 105, High: 105.01, Low: 104.61 DJI Stocks currently $16,530.73, Down $28.14, Change -0.17% Asian & European Stock Market Indexes changed 0.283% Crude Oil (WTI) Currently $99.52 - Change 0.1% Gold 1 Ounce - $1,294.32   MORTGAGE AND REAL ESTATE NEWS    Americans ready to spend money...especially ... 05/02/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 1, 2014 8:00 AM PST  Click for Updated Lock Advice     LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: FLOAT The cost for a 4.00% rate based on Mortgage Backed Securities is down 0.11 point. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.04% to 4.29% on May 1. MBS (4%) - Currently 104.89, High: 104.94, Low: 104.67 DJI Stocks currently $16,574.83, Down $6.01, Change -0.036% Asian & European Stock Market Indexes changed -0.192% Crude Oil (WTI) Currently $99.01 - Change -0.73% Gold 1 Ounce - $1,279.74 MORTGAGE AND REAL ESTATE NEWS    Mortgage Rates Improve on Weak GDP  by: Matthew Graham - Mortgage rates fell at a solid pace yesterday following a r... 05/01/2014