According to Jeff Jensen of CT Home Mortgage, this week's Mortgage Lending Rates are as follows as of 12/17/09:
Conforming 30 Year fixed rate is 4.875-5.125%
Jumbo 30 year Fixed rate is 5.75%
5/1 ARM is 4.125%
5/1 Adjustable I/O rate is 4.375%
Jumbo 15 Year Fixed rate is 4.625%
Thursday, December 17, 2009
Friday, December 11, 2009
Brownie Respones 2009
I always get a kick out of some of your responses after you open your mailboxes during Brownie Season. Here are some of your messages. If you are not on the brownie list, all you have to do is buy or sell your house with me, or send me a viable referral!!!
Linda, We got them safe and sound. They are tremendous. Thanks so much. XOXOX
I love u!!
Please don’t tell my husband, I don’t feel like sharing!
Would you believe me if I said we didn’t get them – so you have to deliver them again!
I love the ”brownie“ time of the year!
Thank you again. They are such a treat!!!!!
Your brownies are an instant portal to Nirvana. Thank you! I look forward to them every year. I'm afraid to admit that I've never introduced them to my husband or daughter.
Thank you so much for the delicious brownies. It is something we certainly look forward to.
thank you, I guess the diet is deferred until forever!!!
Oh No!!! we are in the city this weekend and my parents are at the house! If my dad gets a hold of those I will never see them. OK, I will have to get my mom to grab them before he does.
Thanks!
Thanks so much. I can't wait to taste them. Happy Holidays.
XO
Awesome! Had last night. Thank you!
Thank you so much for the brownies, they are amazing! Absolutely the best
Wow - we made it on to your Brownie list!
Thanks so much! Doug and I split a small one tonight and they definitely live up to their reputation! We look forward to eating more (and might share with the kids).
Perfect timing!! Thank you so much!
We want to thank you so much for the delicious brownies! As always, they are so yummy... The kids have been fighting over them and quite frankly, I'm surprised there are any left (only two!). You are so sweet and thoughtful...
Thanks so much!!!
You the best! David is away this week, so you know they'll be gone by Friday.
Too late. Should have warned me. Kids found it !!! Xo
Forgot to check my email since I got home and just saw this. Ran outside to get the brownies in my slippers and already ate one.
Thanks we love getting them every year.
Amazing!! Thank you so much, we are eating them right now and loving them! Hope you are having a wonderful holiday season.
Yeah!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Thank you!!!!
THANK YOU! Thank you ! Thank you! You are so kind to remember us each year.
Thank you once again. You have not lost your touch!!
Thank you so much Linda for continuing the tradition - we all enjoy and appreciate the tasty delicious treat!
got them! Thanks!! The kids will be so psyched!
xo
Thanks Linda! My girls will be soooo excited! Happy Holidays!
They are so fudgey, truly yummy!
Already had one...SO YUMMY!
Yay!!! :)
Yippee! It's that time of year again!! Perfect timing, as my parents arrive for a visit this weekend. JoJo will be so happy to have chocolate in the house (that is, if my kids don't demolish them first).
So sweet of you!!!!!!!!!!
Thank you. They brownies are so delicious!
Thanks so much for the brownies. They are soooo yummy.
Linda, We got them safe and sound. They are tremendous. Thanks so much. XOXOX
I love u!!
Please don’t tell my husband, I don’t feel like sharing!
Would you believe me if I said we didn’t get them – so you have to deliver them again!
I love the ”brownie“ time of the year!
Thank you again. They are such a treat!!!!!
Your brownies are an instant portal to Nirvana. Thank you! I look forward to them every year. I'm afraid to admit that I've never introduced them to my husband or daughter.
Thank you so much for the delicious brownies. It is something we certainly look forward to.
thank you, I guess the diet is deferred until forever!!!
Oh No!!! we are in the city this weekend and my parents are at the house! If my dad gets a hold of those I will never see them. OK, I will have to get my mom to grab them before he does.
Thanks!
Thanks so much. I can't wait to taste them. Happy Holidays.
XO
Awesome! Had last night. Thank you!
Thank you so much for the brownies, they are amazing! Absolutely the best
Wow - we made it on to your Brownie list!
Thanks so much! Doug and I split a small one tonight and they definitely live up to their reputation! We look forward to eating more (and might share with the kids).
Perfect timing!! Thank you so much!
We want to thank you so much for the delicious brownies! As always, they are so yummy... The kids have been fighting over them and quite frankly, I'm surprised there are any left (only two!). You are so sweet and thoughtful...
Thanks so much!!!
You the best! David is away this week, so you know they'll be gone by Friday.
Too late. Should have warned me. Kids found it !!! Xo
Forgot to check my email since I got home and just saw this. Ran outside to get the brownies in my slippers and already ate one.
Thanks we love getting them every year.
Amazing!! Thank you so much, we are eating them right now and loving them! Hope you are having a wonderful holiday season.
Yeah!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Thank you!!!!
THANK YOU! Thank you ! Thank you! You are so kind to remember us each year.
Thank you once again. You have not lost your touch!!
Thank you so much Linda for continuing the tradition - we all enjoy and appreciate the tasty delicious treat!
got them! Thanks!! The kids will be so psyched!
xo
Thanks Linda! My girls will be soooo excited! Happy Holidays!
They are so fudgey, truly yummy!
Already had one...SO YUMMY!
Yay!!! :)
Yippee! It's that time of year again!! Perfect timing, as my parents arrive for a visit this weekend. JoJo will be so happy to have chocolate in the house (that is, if my kids don't demolish them first).
So sweet of you!!!!!!!!!!
Thank you. They brownies are so delicious!
Thanks so much for the brownies. They are soooo yummy.
My Crystal Ball for 2010
Real Estate in 2009 has been challenging, to say the least. Some Sellers have not been able to grasp the reality that their homes are worth less than they were 2 years ago, while a few Buyers have gone on a feeding frenzy, low-balling many homeowners until one bites. So what can we expect for 2010?
Professionalism - Real Estate Agents will need to step up their game! The easy days of bidding wars, and quick mortgages are harder to come by. Agents will be armed with more facts, better market statistics, well researched comparables and unique selling concepts. Social Networking and Web based promotions will be new standard. Buyers will need to depend on relationships that are based on trust, competency and knowledge.
The Consumer - Buyers and Sellers will continue to educate themselves thorough various websites. While Realtor.com is still the most widely used Real Estate search site, Zillow, Trulia, YahooHomes, LuxuryHomes and TheWestportBlog.com are paving the way for more options and information. Top Realtors are not fearful of the ability of their clients to search and find information on the web. Most find an educated consumer a pleasure to work with, because they are both knowledgeable and realistic.
Mortgages – A pre-approval letter from a Mortgage company is a formality. It basically states that based on the information that a consumer gave the bank, they would qualify for a loan. Buyers should be looking towards a Pre-Commitment – which actually involves a credit check, and filing all the necessary papers to obtain the actual loan. The loan is essentially sourced and underwritten. The only outstanding information would be the address of the property that one decides to purchase and an appraisal (that shouldn’t take more than a week from when it is ordered to when it is completed). This would make the waiting period substantially shorter, and allow a buyer to get all his paperwork in without the pressure and time crunch felt during the negotiating stage.
Social Networking – Buyers, Sellers and Realtors will communicate and through blogs, facebook, Linkedin and Twitter (to name a few) for the latest national and local information. Sources will be freely exchanged, while we’ll all be left to figure out which is fact and which is fiction!
Realistic Pricing - Prices will stay in line with consumer demand. Sellers will either figure out that they cannot afford to sell for their home’s current value, or decide it is time to move on. Those trading up will of course make it up on the buying end anyway.
The end of 2009 has been filled with offers and closings. Brokers are feeling hopeful and excited for the coming year. Sellers and Buyers are knowledgeable and in many cases ready to embrace the changing market. 2010 promises to be better than the year before. Brokers will be more skilled pricing homes and buyers will be so well educated, they will be ready to react when the right home hits their radar.
Professionalism - Real Estate Agents will need to step up their game! The easy days of bidding wars, and quick mortgages are harder to come by. Agents will be armed with more facts, better market statistics, well researched comparables and unique selling concepts. Social Networking and Web based promotions will be new standard. Buyers will need to depend on relationships that are based on trust, competency and knowledge.
The Consumer - Buyers and Sellers will continue to educate themselves thorough various websites. While Realtor.com is still the most widely used Real Estate search site, Zillow, Trulia, YahooHomes, LuxuryHomes and TheWestportBlog.com are paving the way for more options and information. Top Realtors are not fearful of the ability of their clients to search and find information on the web. Most find an educated consumer a pleasure to work with, because they are both knowledgeable and realistic.
Mortgages – A pre-approval letter from a Mortgage company is a formality. It basically states that based on the information that a consumer gave the bank, they would qualify for a loan. Buyers should be looking towards a Pre-Commitment – which actually involves a credit check, and filing all the necessary papers to obtain the actual loan. The loan is essentially sourced and underwritten. The only outstanding information would be the address of the property that one decides to purchase and an appraisal (that shouldn’t take more than a week from when it is ordered to when it is completed). This would make the waiting period substantially shorter, and allow a buyer to get all his paperwork in without the pressure and time crunch felt during the negotiating stage.
Social Networking – Buyers, Sellers and Realtors will communicate and through blogs, facebook, Linkedin and Twitter (to name a few) for the latest national and local information. Sources will be freely exchanged, while we’ll all be left to figure out which is fact and which is fiction!
Realistic Pricing - Prices will stay in line with consumer demand. Sellers will either figure out that they cannot afford to sell for their home’s current value, or decide it is time to move on. Those trading up will of course make it up on the buying end anyway.
The end of 2009 has been filled with offers and closings. Brokers are feeling hopeful and excited for the coming year. Sellers and Buyers are knowledgeable and in many cases ready to embrace the changing market. 2010 promises to be better than the year before. Brokers will be more skilled pricing homes and buyers will be so well educated, they will be ready to react when the right home hits their radar.
Current Motgage Lending Rate 12/10/09
According to Jeff Jensen of CT Home Mortgage, this week's Mortgage Lending Rates are as follows as of 12/10/09:
Conforming 30 Year fixed rate is 4.875-5.125%
Jumbo 30 year Fixed rate is 5.65%
5/1 ARM is 4.125%
5/1 Adjustable I/O rate is 4.375%
Jumbo 15 Year Fixed rate is 4.5%
Conforming 30 Year fixed rate is 4.875-5.125%
Jumbo 30 year Fixed rate is 5.65%
5/1 ARM is 4.125%
5/1 Adjustable I/O rate is 4.375%
Jumbo 15 Year Fixed rate is 4.5%
Wednesday, December 9, 2009
Current Mortgage Loan Rates 12/3/09
According to Jeff Jensen of CT Home Mortgage, this week's Mortgage Lending Rates are as follows as of 12/3/09:
Conforming 30 Year fixed rate is 4.875-5.125%
Jumbo 30 year Fixed rate is 5.5%
5/1 ARM is 4.125%
5/1 Adjustable I/O rate is 4.5%
Jumbo 15 Year Fixed rate is 4.375%
Conforming 30 Year fixed rate is 4.875-5.125%
Jumbo 30 year Fixed rate is 5.5%
5/1 ARM is 4.125%
5/1 Adjustable I/O rate is 4.5%
Jumbo 15 Year Fixed rate is 4.375%
Subscribe to:
Posts (Atom)