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

MORTGAGE INTEREST RATE LOCK ADVISORY April 30, 2014 2:45 PM 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 closed down 0.32 point. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, up 0.04% to 4.33% on April 24. MBS (4%) - Closed at:  104.77, High: 104.89, Low: 104.31 DJI Stocks closed at $16,580.84,  Up $45.47, Change 0.274% Asian & European Stock Market Indexes changed -0.21% Crude Oil (WTI) Currently $99.69 - Change -1.57% Gold 1 Ounce - $1,290.60 MORTGAGE AND REAL ESTATE NEWS    FHA 99.50% Financing 99.50% financing is available in California using a FHA 99.5% LTV  first and 3% LTV sec... 04/30/2014

MORTGAGE INTEREST RATE LOCK ADVISORY April 30, 2014 7:55 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 0.25 point. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, up 0.04% to 4.33% on April 24. MBS (4%) - Currently 104.69, High: 104.69, Low: 104.31 DJI Stocks currently $16,547.26, Up $11.89, Change 0.072% Asian & European Stock Market Indexes changed -0.342% Crude Oil (WTI) Currently $99.56 - Change -1.7% Gold 1 Ounce - $1,291.93   MORTGAGE AND REAL ESTATE NEWS    FHA 99.50% Financing 99.50% financing is available in California using a FHA 99.5% LTV  first and 3% LTV secondar... 04/30/2014

MORTGAGE INTEREST RATE LOCK ADVISORY April 29, 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 up 0.06 point. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, up 0.04% to 4.33% on April 24. MBS (4%) - Currently 104.4, High: 104.45, Low: 104.25 DJI Stocks currently $16,524.81, Up $76.07, Change 0.46% Asian & European Stock Market Indexes changed 0.686% Crude Oil (WTI) Currently $102.01 - Change 1.16% Gold 1 Ounce - $1,298.02   MORTGAGE AND REAL ESTATE NEWS     Pending Home Sales Wake Up After Long Sleep  By: Tory Barringer - Following months of stagnancy, the National Associa... 04/29/2014

MORTGAGE INTEREST RATE LOCK ADVISORY April 28, 2014 7:45 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 0.10 point. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, up 0.04% to 4.33% on April 24. MBS (4%) - Currently 104.44, High: 104.61, Low: 104.41 DJI Stocks currently $16,489.13, Up $127.67, Change 0.774% Asian & European Stock Market Indexes changed 0.211% Crude Oil (WTI) Currently $100.73 - Change 0.13% Gold 1 Ounce - $1,293.97   MORTGAGE AND REAL ESTATE NEWS     Six New Markets Rebound Fully in February  By: Tory Barringer -  Markets around the nation that have seen home val... 04/28/2014

Escondido Homes for Sale - What Happened in the Escondido Real Estate Market in March 2014? Escondido is an inland community, about 17 miles from the coast and just east of San Marcos.   Like its neighbors, San Marcos, Vista and Oceanside, Escondido has seen fairly significant shifts in the real estate market with a large number of short sales and foreclosures, although that has shifted in the last year 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.   READ MORE:  A... 04/27/2014

MORTGAGE INTEREST RATE LOCK ADVISORY April 25, 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 0.13 point. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, up 0.04% to 4.33% on April 24. MBS (4%) - Currently 104.59, High: 104.61, Low: 104.43 DJI Stocks currently $16,375.59, Down $126.06, Change -0.77% Asian & European Stock Market Indexes changed -0.727% Crude Oil (WTI) Currently $100.88 - Change -1.04% Gold 1 Ounce - $1,302.05  MORTGAGE AND REAL ESTATE NEWS     Massive New Fraud Cover-up:  How Banks Are Pillaging Homes-While the Government Watches When financial crime... 04/25/2014

MORTGAGE INTEREST RATE LOCK ADVISORY April 24, 2014 9:30 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 0.06 point. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, up 0.04% to 4.33% on April 24. MBS (4%) - Currently  104.31, High: 104.41, Low: 104.12 DJI Stocks currently $16,514.69,  Up $13.04, Change 0.079% Asian & European Stock Market Indexes changed 0.11% Crude Oil (WTI) Currently $102.06 - Change 0.61% Gold 1 Ounce - $1,288.30 MORTGAGE AND REAL ESTATE NEWS      March durable goods orders blew the doors off at 8:30 this morning and sent MBS prices lower. Durables were wide... 04/24/2014

MORTGAGE INTEREST RATE LOCK ADVISORY April 24, 2014 9:00 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 0.03 point. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK    MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, up 0.04% to 4.33% on April 24. MBS (4%) - Currently 104.32, High: 104.41, Low: 104.12 DJI Stocks currently $16,529.43, Up $27.78, Change 0.168% Asian & European Stock Market  Indexes changed 0.064% Crude Oil (WTI) Currently $102.25 - Change 0.8% Gold 1 Ounce - $1,290.11   MORTGAGE AND REAL ESTATE NEWS    RealtyTrac: Home sales tick up slightly in March  Up 0.3% over February and 8% year-over-yearTrey Garrison - Sing... 04/24/2014