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Letter "F" » Frank Nothaft Quotes
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«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.»
Author: Frank Nothaft
«With no big economic news to influence the direction of mortgage rates this week, the numbers drifted very slightly upward. We see this trend continuing throughout 2006, with the 30-year fixed rate mortgage ending the year at about 6.3% as the housing market eases back from last year's record setting levels toward a somewhat more normal rate of activity.»
Author: Frank Nothaft
«The minuscule rise in mortgage rates this week most likely reflects market expectations that the Federal Reserve will once again raise rates next week.»
Author: Frank Nothaft
«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.»
Author: Frank Nothaft
«We estimate that home equity extraction from the refinancing of prime first mortgage liens will result in an extraction of $243 billion in 2005. However, equity extraction in 2006 will likely fall sharply, by a little more than half to about $117 billion, as we expect lower refinance activity and slower house-price appreciation.»
Author: Frank Nothaft
«With no big economic news to influence the direction of mortgage rates this week, the numbers drifted very slightly upward. We see this trend continuing throughout 2006, with the 30-year FRM ending the year at about 6.3 percent as the housing market eases back from last year's record setting levels toward a somewhat more normal rate of activity.»
Author: Frank Nothaft
«So far this year, fixed-rate mortgage rates have risen only slightly. Long-term mortgage rates are only marginally higher than they were two months ago.»
Author: Frank Nothaft
«Housing start figures in January came in at the highest level in over three decades, due in part to the combination of low rates and a warmer climate across the country.»
Author: Frank Nothaft
«They (the Fed) will probably stay on course.»
Author: Frank Nothaft
«Market confidence that the Fed will continue to keep inflation low kept mortgage rates in check this week. Over the long term, we expect mortgage rates will bounce back and forth a bit, remaining near current levels.»
Author: Frank Nothaft
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