Cityview Mortgage Professionals

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Enthusiasm working for you
Helping people make one of their most important decisions is a serious responsibility, but something that I enjoy doing. This enthusiasm and hard work will benefit you and help reduce the stress and anxiety often associated with real estate transactions.

I have many years of experience and knowledge working in this industry. I can say with confidence that I'll get the job done right.

Irish Bailout Approved. Overnight Market Indications. Long Term Trend Channel in 10s - 9 hours ago
Posted To: MBS CommentaryI always poke around my viewer on Sunday nights. This is what grabbed my attention tonight. Here's the main headline.... NY TIMES: Ministers Approve Bailout of Ireland By STEPHEN CASTLE and LIZ ALDERMAN Published: November 28, 2010 BRUSSELS — Fighting to prevent an accelerating debt crisis from engulfing Portugal and Spain, Europe’s finance ministers approved an 85 billion euro bailout package for Ireland, while also agreeing for the first time to hold private investors accountable for losses in future crises, beginning in 2013. With the European Union engaged in a high-stakes battle with financial markets, the move to include bondholders in any future debt restructuring represents an important milestone in the current crisis because the countries stood together on an issue that...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

Americans Less Certain the Housing Market Has Bottomed - 2 days ago
Posted To: MND NewsWireAmericans are still waiting for the housing market to hit bottom according to survey data released this week from the Third Quarter Fannie Mae National Housing Survey . It found that a declining number of both homebuyers and renters think this is a good time to buy and an overwhelming and growing majority are quite sure it's a bad time to sell. The survey was conducted among 3,417 homeowners and renters during July, August and September. A random sample of 3,015 of members of the general population which included 834 outright homeowners, 894 renters, and 1,156 mortgaged homeowners of whom 305 were self-identified as being underwater on their mortgages were interviewed by phone. The survey also included an oversample of 402 randomly selected borrowers who had not paid on their mortgages in at...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

QEII Cleansing: Bulls and Bears in Full On Battle Mode. Who to Believe? - 2 days ago
Posted To: MBS CommentaryRecent choppy movements in bond markets are trying to trick you. They want you to believe that something important has CHANGED. While I wholeheartedly support the assertion that something important HAS HAPPENED/IS HAPPENING, no fundamental CHANGE has occurred. In short, the waiting game continues. This may not FEEL like a waiting game... But that's part of the ruse. The big, choppy movements are the markets way of keeping us on the edge of our seats--entertained, if you will--despite the distinct absence of a clear winner in the game itself. The Game : Is the bond market now recovering from the weakest parts of QE2-culture shock? Cleansing process and/or pain trade subsiding? 2.96-ish = highest yield in 10's for the rest of the year? Etc.. The Players : Bond market, including MBS, and consequently...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

How the Value of the Dollar Impacts Mortgage Rates; Input on Loan Pricing Transparency; New LLPAs Passed Down; 4506-T Verification Info - 2 days ago
Posted To: Pipeline PressOne can write several volumes about how movements in the dollar impact mortgage lending, and our economy in general. The value of the dollar is certainly tracked in the financial press. For example, the New York Federal Reserve reported that the U.S. monetary authorities did not intervene in the foreign exchange markets during the July-September quarter. But during that period the dollar depreciated 10% against the euro, 5% against the Japanese yen, and its trade-weighted exchange value declined about 7%. So what? Well, a country that cuts interest rates makes its currency less attractive to the world's fixed-income investors, and money is moved to countries that pay a higher yield on investments. The quantitative easing program (QE2) pumps dollars into the economy, critics say by merely printing...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

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