C21AGVoices

For certain members of the military, and for certain federal employees, there’s just 2 months remaining to get use the federal home buyer tax credit.

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Effective for all FHA case numbers assigned on, or after, April 18, 2011, annual mortgage insurance premiums (MIP) will increase 25 basis points.

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Mortgage rates remain low but qualification standards do not. Last quarter’s banking survey shows that guidelines may be loosening, though. It’s another good sign for housing.

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As of this morning, mortgage rates are higher over 9 consecutive days, marking the longest mortgage rate losing streak in the last 6 years, at least.

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Currently, relative to fixed rate mortgages, ARM pricing is excellent. Freddie Mac’s weekly Primary Mortgage Market Survey puts the 5-year ARM mortgage rate lower than the 30-year fixed rate mortgage rate by 1.02 percent.

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Loan-level pricing adjustments are mandatory loan fees based on a borrower’s specific default risk.

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Today, the Federal Open Market Committee voted 9-to-1 to leave the Fed Funds Rate unchanged within in its target range of 0.000-0.250 percent.

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The company behind the popular FICO scoring model has published a “What If?” series for common, specific credit missteps.

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The rate-and-fee combination you’d get in your home state is different from the rate-and-fee combination you’d get if you lived somewhere else. In the West, rates are low and fees are high; in the Southeast, it’s the opposite.

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Mortgage approvals are primarily based on good income, good equity and strong credit, and, without all three, the best rates of the day remain out of reach. Do something about your credit score.

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