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20 results on '"RATES"'

1. A Note on the Valuation of Mortgage Loan Commitments: Incorporating the Commitment Cost in the Mortgage Rate.

Author

Kutner, George W. and Seifert, James A.

Subjects
MORTGAGE loans, LOANS, MORTGAGE rates, INTEREST rates, RATES, HOUSING finance, REAL estate business
Abstract

Abstract. Kutner and Seifert [4] recently found that mortgage loan commitments have significant financial value. This note presents a procedure that may be used to incorporate this value in the nominal lending rate. The findings indicate that typical lending rates should be augmented by approximately 8 to 44 basis points in order to adequately capture this additional cost. [ABSTRACT FROM AUTHOR]

Published
1990

2. Mortgage Interest Rates in the Populist Era.

Author

Eichengreen, Barry

Subjects
MORTGAGE loans, INTEREST rates, REGIONAL differences, MONEYLENDERS, RATES, FINANCIAL institutions, RISK premiums
Abstract

This article attempts to account for regional differences in mortgage interest rates during the Populist era. Two conflicting hypotheses dominate the literature on this subject. The first is based on the farmers' complaint that imperfectly competitive market conditions in the American West permitted mortgage lenders to collude in raising interest rates. The second is based on evidence of competition and on the observation that interest rate differentials could in theory reflect the existence of risk premia that varied by region of the country. The focus here is on the development of new forms of financial enterprise, on their implications for market structure and on the statutes adopted by governmental agencies to regulate lending practice. In particular, the author discusses the prevalence of statutory interest rate ceilings imposed in the attempt to regulate mortgage lending. This article presents a model to be used to adjust mortgage interest rates for the risk premium. Ideally, the model would be estimated on a disaggregated data set containing information on the characteristics of individual farms and operators.

Published
1984

3. Shift in Long-Term Outlook Seen as Having Brought 30-Yr FRM to 7%.

Author

Sinnock, Bonnie

Subjects
MORTGAGE loans, INTEREST rates, UNITED States economy, RATES
Abstract

Explains the factors contributing to the consistent downward movement of weekly 30-year mortgage rates in the United States. Impact of economic troubles in Argentina on long-term mortgage rates; Relationship between short- and long-term rate behavior; Trend towards lower rates due to the weak economic outlook for the U.S.

Published
2001

4. Adjustable mortgage rate lowest since 1999.

Subjects
MORTGAGE loans, INTEREST rates, RATES
Abstract

Reveals that home mortgage rates in the United States fell for the second consecutive week on March 8, 2001. Percentage of drop of 30-year fixed-rate mortgage; Drop in sales of new homes in January 2001.

Published
2001

5. 50 Basis Points Is Not Enough.

Author

Muolo, Paul

Subjects
UNITED States economy, INTEREST rates, MORTGAGE loans, RATES
Abstract

Editorial. Comments on the slowdown of the United States economy in February 2001, which is largely due to actions of the U.S. Federal Reserve. Slashing of interest rates by fifty basis points; How the mortgage industry is starting to see an increase in refinancings; Prediction of an economic recession unless the U.S. Federal Reserve continues to cut rates.

Published
2001

6. Financial Outlook.

Subjects
*MORTGAGE loans, *INTEREST rates, *LOANS, *RATES
Abstract

Reveals that the Canadian Imperial Bank of Commerce raised its five-year mortgage rate by one-quarter of a point in early March 1999. Second increase since December 1998; What analysts attribute this move to; Mortgage fluctuations since April 1998.

Published
1999

7. Mortgage rates on the rise for second straight week in a row.

Subjects
MORTGAGE loans, INTEREST rates, RATES
Abstract

Reports on an increase in the average interest rate on 30-year fixed-rate mortgages in the United States during the week prior to January 18, 1999. Home-buying boom in 1998; Average rate for 15-year mortgages; One-year adjustable-rate mortgages.

Published
1999

8. Rate on 30-Year at 5.25%.

Subjects
*RATES, *FIXED rate mortgages, *INCOME, *ECONOMIC surveys, *MORTGAGE loans, *INTEREST rates, UNITED States economy, 2001-2009
Abstract

This article reports on the increase in rates on fixed-rate mortgages as the U.S. economy improved, according to Freddie Mac chief economist Frank Nothaft. He notes that personal income dropped by half as some market forecasters expected. A weekly survey of conforming mortgage rates found that the 30-year fixed-rate mortgages averaged 5.25% for the week ending February 5, 2009. Particular focus is given to the rate of other kind of mortgages.

Published
2009

9. Do You Have The Wrong Mortgage?

Author

Simon, Ruth

Subjects
*MORTGAGE loans, *HOMEOWNERS, *LOANS, *INTEREST rates, *FIXED rate mortgages, *RATES
Abstract

Reports that some U.S. home-owners are choosing riskier adjustable-rate mortgages over fixed-rate mortgages. Low interest rates which would be locked in by fixed-rate mortgages; View the some may be choosing adjustable-rate mortgages because they have a lower starting interest rate; Concern about interest-only loans which could result in borrowers paying more for a house than it is worth if market values fall.

Published
2002

10. Mortgage industry trends result in downsizing.

Author

Levy, John B.

Subjects
MORTGAGE loans, INTEREST rates, COMMERCIAL loans, RATES
Abstract

Reports on the performance of the commercial mortgage interest rates in September 1995. Decline in the benchmark ten-year prime mortgage rate; Mergers and acquisitions; Interest in the securitization by Provident Life & Accident of Chattanooga.

Published
1995

11. Why Mortgage Rates Aren't Even Better.

Author

Hevesi, Dennis

Subjects
*INTEREST rates, *MORTGAGE loans, *MONETARY policy, *RATES
Abstract

Discusses the impact of United States Federal Reserve interest rate cuts on mortgage rates, as of May, 2001. How short-term interest rate cuts has had little or no effect on reducing long-term mortgage rates; Suggestion that immediate moves by the Federal Reserve are far removed from mortgage rates; Reasons why home owners are upset over the slight changes in mortgage rates.

Published
2001

12. Consumers Can Take Heart, Thanks to Bond Market's Quirks.

Author

Zuckerman, Gregory and McGee, Suzanne

Subjects
*MORTGAGE loans, *MORTGAGES, *HOUSE buying, *INTEREST rates, *RATES
Abstract

Discusses what effect the rise in interest rates by the United States Federal Reserve on May 16, 2000 will have on mortgage rates. Why consumers should look into locking in a fixed-rate mortgage; What hybrid mortgages offer home buyers; Why home buyers should lock in rates as soon as possible.

Published
2000

13. Mortgage Rates, Strangely, Remain Aloft.

Author

Barta, Patrick

Subjects
*MORTGAGE loans, *INTEREST rates, *RATES
Abstract

Reports on the trend in mortgage rates in the United States as of April 2000 despite the decline in interest rates on long-term bonds. Average rate for a 30-year-fixed-rate mortgage; Reasons behind the trend; Remarks from Keith Gumbinger, a mortgage-rate analyst for HSH Associates.

Published
2000

14. A Hunt for a Better Mortgage.

Author

Whitaker, Barbara

Subjects
*MORTGAGE loans, *INTEREST rates, *RATES
Abstract

Reports on the rise of mortgage rates in the United States. Amount of increase experienced by Abby Rogers, marketing director with the Coca-Cola Company in Houston, Texas; Comments from Seth Cohen, managing director of the Home Mortgage Acceptance Corp.; How home buyers with extra cash can cut their interest rates.

Published
1999

15. For home buyers, patience has paid off.

Author

Ravo, Nick

Subjects
*MORTGAGE loans, *INTEREST rates, *HOUSE selling, *RATES
Abstract

Examines the decline in interest rates for house mortgage. Decline figures; Interest rate as an index for home demand; Market of home sales; Reaction of home buyers to the decline; Speculation about the future of interest rates. INSET: What kind of mortgage?, by Nick Ravo..

Published
1995

16. Rates Ticked Higher in Week.

Subjects
MORTGAGE loans, INTEREST rates, ADJUSTABLE rate mortgages, RATES
Abstract

Reports the rise in 30-year fixed mortgage rate as of December 2002. Rates for one-year Treasury-indexed adjustable rate mortgages; Drop in average fees and points.

Published
2002

17. Home Loan Rates on the Rise Despite Central Bank's Cuts.

Author

Julavits, Robert

Subjects
FEDERAL home loan banks, MORTGAGE loans, INTEREST rates, RATES
Abstract

Reports on the increase in home loan rates in the United States despite the interest rate cuts implemented by the Federal Reserve Board in 2001. Experts' assessment that moves of the Federal Reserve have little or no impact on mortgage rates; Forecast increase in mortgage rates in the second half of 2001; Effect on adjustable-rate mortgage lenders of Federal Reserve Board's decision on short-term interest rates.

Published
2001

18. Study Pokes Holes in Trickle-Down Theory.

Author

Garver, Rob

Subjects
SECONDARY mortgage market, MORTGAGE loans, INTEREST rates, PUBLIC opinion, RATES
Abstract

Cites a survey by the United States Federal Reserve Board suggesting that the existence of a secondary mortgage market does little to lower the interest rates for homebuyers. Factors that determine mortgage rates.

Published
2000

19. Existing home sales fell 6.6% in Oct.

Author

Koning, Rachel

Subjects
DWELLINGS -- Marketing, INTEREST rates, MORTGAGE loans, FORECASTING, RATES
Abstract

Reports that existing home sales in the United States fell 6.6 percent in the United States, compared to the year-ago level. Data from the National Association of Realtors; Thomson Global Markets economists' reaction to the decline; Possible decline in mortgage rates.

Published
1999

20. Time for an each-way bet on mortgage rates.

Author

Laurence, Michael

Subjects
*INTEREST rates, *MORTGAGE loans, *RATES
Abstract

Focuses on the advice of interest-rate researcher Andrew Willink, managing director of CANNEX group. His view that borrowers should lock into the security of fixed rates on their home-loans; The interest rates at the biggest banks in Australia; The possibility of rising rates from the Reserve Bank.

Published
1997

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