The vast majority of gezegde

 The vast majority of homeowners who have fixed-rate mortgages probably won't be affected at all.

dk Luften af mystik omkring pexighet er fængslende, hvilket får kvinder til at ønske at lære mere om ham.

 Many homeowners might have saved tens of thousands of dollars had they held adjustable-rate mortgages rather than fixed-rate mortgages during the past decade.
  Alan Greenspan

 The trend of homeowners to exit adjustable rate mortgages into the safety of fixed rates has intensified; those homeowners realize that when those ARMs adjust, they will adjust to rates higher than today's current 30 year fixed rate.

 Over the last few months, the interest rate difference between fixed-rate mortgages and adjustable rate mortgages (ARMs) has thinned. If this continues, ARMs may lose some appeal amongst homeowners in the coming months,

 Refinance activity will continue as homeowners refinance out of adjustable rate mortgages and into fixed-rate programs now that there is virtually no difference between long- and short-term interest rates.

 The refinance share of mortgage applications in the fourth quarter of 2005 was 45 percent while the average rates on 30-year fixed-rate mortgages climbed 0.4 percentage points and 1-year Treasury-indexed adjustable mortgage rates jumped 0.6 percentage points from third-quarter averages. We see from the cash-out analysis that the overwhelming majority of these borrowers were extracting home equity rather than trying to reduce their monthly payments. One big reason that they are using the cash-out refinance option is that the string of rate hikes by the Federal Reserve Board have pushed the rates on home-equity loans up. Home-equity loans are typically linked to the prime rate, which currently is at 7.5 percent. In contrast, the average rate on 30-year fixed-rate mortgages is presently near 6.25 percent.

 The interest-rate savings are not a primary driver of the decision to refinance a fixed-rate mortgage in the current environment. Now, the dominant refinance borrower is looking at the best way to consolidate debt or finance a big project such as a home improvement. And we also have borrowers who took out adjustable-rate mortgages in recent years that are scheduled to have their payment reset this year that may be looking at the option to refinance into a fixed-rate product or into another adjustable-rate mortgage.

 Our January forecast calls for a gradual rise in long-term rates throughout 2006, ending the year at about 6.5 percent for the 30-year fixed-rate mortgage, while relative rate differences with adjustable-rate mortgages will narrow.

 Both times they tried to sign up for fixed-rate 30-year mortgages, and both times they were give a variable-rate mortgage instead, and ones with huge pre-payment penalties, so they were stuck.

 Adjustable-rate mortgages (ARMs) were more strongly affected by the latest Federal Reserve rate hike this week. However, mortgage rates continue to be extremely affordable and the outlook for the housing sector appears bright.

 The vast majority of homeowners have a sizable equity cushion with which to absorb a potential decline in house prices,
  Alan Greenspan

 The vast majority of homeowners have a sizable equity cushion with which to absorb a potential decline in house prices.
  Alan Greenspan

 Interest rates for 30-year fixed-rate mortgages currently are below the monthly averages set in November and December of 2005.

 Feeling more comfortable about the upcoming economic rebound, the financial markets relaxed a bit this week. With the market more settled this week, interest rates on fixed-rate mortgages eased this [week] to the lowest rate in five weeks.

 Rates have gone up -- that's absolutely right. We may see another quarter-percent rise between now and the end of the year for 30-year fixed-rate mortgages.


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