Mortgage Rates - Monday July 7, 2008

CONFORMING LOANS (up to $417,000)
30 year fixed
6.250% 3/4 point
6.375% 1/4 point
6.500% -0- points
30 year fixed interest only
6.500% 3/4 point
6.625% 1/4 point
6.750% -0- points
15 year fixed
5.750% 3/4 point
5.875% 3/4 point
5/1 ARM
5.625% 1 point
7/1 ARM
5.875% 1 point
Jumbo-Conforming (loan amounts $417,001 to $697,500)
30 year fixed
6.500% 1 point
6.750% -0- points

RATES SUBJECT TO CHANGE WITHOUT NOTICE.

Mortgage Rates - Wednesday July 2, 2008

CONFORMING LOANS (up to $417,000)
30 year fixed
6.125% 1 point
6.250% 1/2 point
6.375% -0- points
30 year fixed interest only
6.375% 1 point
6.500% 1/2 point
6.625% -0- points
5/1 ARM
5.500% 1 point
7/1 ARM
5.750% 1 point
20 year fixed
6.125% 1 point
6.250% -0- points
15 year fixed
5.625% 1 point
5.750% 3/4 point
5.875% 1/4 point
6.000% -0- points

RATES SUBJECT TO CHANGE WITHOUT NOTICE.

Mortgage Pricing - ALERT

Mortgage Pricing WORSENED this afternoon. Add .250 point to all pricing (not rate) posted earlier today. For example: if something was listed as -0- points, it is now .250 point.
Why did pricing get WORSE? Oil pricing and the uncertainty of the state of the economy.

Mortgage Rates - Tuesday July 1, 2008

MORTGAGE RATE TREND:
Short term .... steady
Long term ... slight increase
Lock? If you are in escrow LOCK. If you are thinking about refinancing - Float cautiously.

CONFORMING LOANs (up to $417,000)
30 year fixed
5.875% 2 points
6.000% 1 1/4 points
6.125% .625 points
6.250% -0- points
30 year fixed interest only
6.250% 1 1/4 points
6.375% .625 points
6.500% -0- points
5/1 ARM
5.500% 1 point
7/1 ARM
5.750% 1 point
20 year fixed
6.000% 1 point
15 year fixed
5.625% 3/4 point

Conforming Jumbo (from $417,001 to $697,000)
30 year fixed (restrictions may apply)
6.375% 1/2 point
6.625% -0- points

Mortgage Rates Monday - June 30, 2008

Mortgage Rate Trends:
short term: mortgage pricing/rates may improve today
long term: steady
Should you LOCK? If you are purchasing a home with a 30 day escrow - YES. Thinking about refinancing? Float, the market may get better. Watch for an email ALERT from me later today if rates/pricing improve.

CONFORMING RATES (up to $417,000)
30 year fixed
5.875% 2 points
6.000% 1 point
6.125% 1/2 point
6.250% -0- points
30 year fixed interest only
6.250% 1 point
6.375% 1/2 point
6.500% -0- points
5/1 ARM
5.500% 1 point
7/1 ARM
5.750% 1 point
20 year fixed
5.875% 1 3/4 points
6.000% 1 point
15 year fixed
5.500% 1 point

Mortgage Rates - Friday, June 27, 2008

MORTGAGE TREND:
short term ... slight improvement
long term ... steady
recommendation .... if purchasing LOCK! If refinancing LOCK!

Loan Amounts up to $417,000
30 year fixed
6.125% 1 point
6.250% 1/4 point
6.375% -0- points
30 year fixed interest only
6.375% 1 point
6.500$ 1/4 point
6.625% -0- points
5/1 ARM interest only
5.625% 1 point
7/1 ARM interest only
5.875% 1 point
15 year fixed
5.625% 1 point
5.750% 1/4 point
5.875% -0- points

Loan Amount from $417,001 to $697,000
6.375% 1 point
6.500% 1/2 point
6.625% 1/4 point
6.750% -0- points

Mortgage Rates - Thursday, June 26, 2008

Loan Amounts up to $417,000
30 year fixed
6.125% 1 point (APR 6.298)
6.250% 1/2 point (APR 6.254)
6.375% -0- points (APR 6.408)
30 year fixed interest only
6.375% 1 point (APR 6.502)
6.500% 1/2 point (APR 6.410)
6.625% -0- points (APR 6.745)
5/1 ARM interest only
5.750% 1 point (APR 5.984)
15 year fixed
5.750% 1 point (APR 5.984)

Loan Amounts from $417,001 to $697,000
30 year fixed
6.375% 1 point (APR 6.578)
6.750% -0- points (APR 6.877)