Christine Curl, Managing Broker
Direct #: 303-884-3466
E-mail: curlcountry@cs.com

Pamela L. Edens, Broker
Direct #: 303-378-1096
E-mail: pam.edens1@gmail.com

Colorado Tenderfoot
Properties II, Inc

(303) 732-1115
100 S. Main St.

Real Estate News
MBS RECAP: Bonds Push Trend Boundary With Help From Trade Headlines
Wed, 20 Nov 2019 22:10:06 GMT

Posted To: MBS CommentaryThere were 2 sorts of trade headlines in play today, but before we get to those, I wrote something today that bears repeating. "The trade deal, in and of itself, will not dictate the direction of markets in the big-picture ov..[read more]

Mortgage Rates Lowest Since Halloween
Wed, 20 Nov 2019 21:45:00 GMT

Posted To: Mortgage Rate WatchMortgage rates are in the midst of a winning streak of moderate size and duration. Specifically, rates have improved by at least an eighth of a percentage point for the average lender since the beginning of last week and..[read more]

The Death of The Mortgage Broker Has Been Greatly Exaggerated
Wed, 20 Nov 2019 15:48:07 GMT

Posted To: MND NewsWireMortgage brokers have apparently reclaimed both their reputations and their market share in recent years according to Archana Pradhan, a risk management analyst for CoreLogic. She writes in the company's blog that brokers' shar..[read more]

MBA Says New Home Sales are on a Roll
Wed, 20 Nov 2019 14:58:43 GMT

Posted To: MND NewsWireApplications for mortgages to purchase newly constructed homes surged in October and the Mortgage Bankers Association (MBA) is expecting that sales will follow suit. MBA's Builder Application Survey (BAS) shows those applicatio..[read more]

MBS Day Ahead: Fed Meeting Minutes Likely a Non-Event
Wed, 20 Nov 2019 14:35:12 GMT

Posted To: MBS CommentaryBonds are on a roll at the moment with 5 of the last 6 trading days resulting in lower yields. Rather than stand as some evidence of new strength in the bond market, this has more to do with technical correction as more than ..[read more]

Construction, Non-QM Products; Lots Going on at Fannie/Freddie
Wed, 20 Nov 2019 13:49:42 GMT

Posted To: Pipeline PressA new analysis from the real estate brokerage firm Redfin shows the typical homeowner in the United States now stays in their house for 13 years, five years more than they did in 2010. This lack of movement, especially among ..[read more]

Mortgage Applications Gain Momentum Despite Holiday Slump
Wed, 20 Nov 2019 13:09:54 GMT

Posted To: MND NewsWireDespite the Veterans' Day holiday which shortened the work week of November 15, purchase mortgage applications gained momentum. The Mortgage Bankers Association said its Purchase Index rose 7 percent on a seasonally adjusted ba..[read more]

MBS RECAP: Summertime Monday in November
Tue, 19 Nov 2019 22:13:45 GMT

Posted To: MBS CommentaryThere's something special (and especially frustrating) about certain summertime Mondays. This is true not only because you might have been doing something fun on the weekend and are loathe to return to work, but also beca..[read more]

Mortgage Rates Hold Steady
Tue, 19 Nov 2019 20:29:00 GMT

Posted To: Mortgage Rate WatchMortgage rates had a great week last week and haven't done anything to jeopardize that so far this week. Today was the first time during these 2 weeks where rates have merely held steady as opposed to move lower. The rec..[read more]

Training, Marketing, Broker Products; Stocks, Bonds, and Rates
Tue, 19 Nov 2019 18:50:45 GMT

Posted To: Pipeline PressA pass rate of 51% on July’s California bar exam may not seem like cause for celebration, but it’s the first time in six years that a majority of people who took the July test passed. If the majority of people thi..[read more]

Landlords Helping the Economy for First Time in Nearly 2 Years
Tue, 19 Nov 2019 18:31:51 GMT

Posted To: MND NewsWireFannie Mae's economists are predicting that economic growth will slow significantly in the fourth quarter to 1.6 percent. This downward revision however is not as dire as it sounds. The company's October forecast was looking fo..[read more]

Building Permits Surge to 12-Year High
Tue, 19 Nov 2019 15:04:11 GMT

Posted To: MND NewsWireAll three of the residential construction measures tracked by the U.S. Census Bureau and the Department of Housing and Urban Development roared back in October after posting terrible numbers in September. Construction permits a..[read more]

MBS Day Ahead: Thanksgiving Week Trading Themes Trying to Show Up Early
Tue, 19 Nov 2019 14:40:53 GMT

Posted To: MBS CommentaryDaily and overnight trading volumes have been declining, and intraday trading ranges have been getting more narrow. The starting point for that trend was the day after November 7th (when all the news hit about tariff roll-bac..[read more]

MBS RECAP: Small Victory as Broader Battle Continues
Mon, 18 Nov 2019 21:51:46 GMT

Posted To: MBS CommentaryAs 2019 winds down, investors have never been so broadly certain about the overall market thesis. Unfortunately, that thesis calls for unavoidable uncertainty and the inability to clear it up very quickly. Reason being: we ne..[read more]

Lowest Mortgage Rates in 2 Weeks
Mon, 18 Nov 2019 21:27:00 GMT

Posted To: Mortgage Rate WatchMortgage rates added to last week's improvement with another modest drop today. That brings the average lender to the best levels in exactly 2 weeks--a welcome change after hitting the highest levels in more than 3 month..[read more]

Homebuilder Confidence Staying Near Long-Term Highs
Mon, 18 Nov 2019 19:03:15 GMT

Posted To: MND NewsWireHome builder confidence fell back slightly this month, declining by 1 point to 70 in the National Association of Home Builders (NAHB)/Wells Fargo Housing Market Index (HMI). The dip partially reversed the index's 3-point jump i..[read more]

FHA Delinquencies Plummeted in Q3
Mon, 18 Nov 2019 16:54:54 GMT

Posted To: MND NewsWireFHA loans posted a substantial decline in delinquencies during the third quarter, leading an overall improvement in loan performance. The Mortgage Bankers Association said its National Delinquency Survey found the non-current r..[read more]

MBS Week Ahead: Trade Headlines and Technicals (With a Side of Data)
Mon, 18 Nov 2019 15:38:34 GMT

Posted To: MBS CommentaryLast week provided a much-needed recovery that counteracted some of the fast-paced selling seen in the first week of November. Despite the friendly direction of the move, the pace and fervor left something to be desired --at ..[read more]

CFPB Lightens Requirements for Temporary LO License
Mon, 18 Nov 2019 15:12:40 GMT

Posted To: MND NewsWireThe Consumer Financial Protection Bureau (CFPB) has issued an Interpretive Rule for one type of loan originator licensing. The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE ACT) of 2008 established a national sys..[read more]

Licensing, Loan Data, Non-QM Products; Customer Service Survey; No Fed Move 'til April?
Mon, 18 Nov 2019 13:53:57 GMT

Posted To: Pipeline PressDo you dread “Smonday?” (That’s when Sunday stops feeling like a Sunday, and the anxiety of Monday kicks in.) Here is something to dread. All this talk about MLOs losing their jobs to automation, or real est..[read more]

MBS RECAP: Bonds Level Off Without Committing to Reentry
Sat, 16 Nov 2019 00:06:56 GMT

Posted To: MBS CommentaryYields broke up and out of their prevailing range last week and took the present week to focus on reentry. While those efforts went a long way toward defusing concern over how quickly rates were moving higher, they fell short..[read more]

Much Better Week For Rates, But Bigger Picture Risks Remain
Fri, 15 Nov 2019 23:06:00 GMT

Posted To: Mortgage Rate WatchMortgage rates finished the week in much better territory compared to last Friday. Today only added modestly to that move, but the simple act of moving in a friendly direction feels like a major victory after coming toe ..[read more]

Home Equity, Budgeting Tools; Extensive Reports on Rise of Non-Bank Lending
Fri, 15 Nov 2019 13:59:34 GMT

Posted To: Pipeline PressThis week I’ve been running football quotes in the joke section at the bottom. Thanks to Gary B. who sent Chuck Noll’s, “Pressure is something you feel when you don’t know what you’re doing.&rdqu..[read more]

MBS Day Ahead: Retail Sales in Focus; Trade Headlines Always a Risk
Fri, 15 Nov 2019 13:31:32 GMT

Posted To: MBS CommentaryIt's Friday and that means it's time to be on the lookout for unexpected trade-related headlines, especially in the afternoon. Those sorts of newswires and tweets have become almost predictable at the end of any given..[read more]

What Exactly is "Mass Timber" and Why Should We Care?
Thu, 14 Nov 2019 21:59:53 GMT

Posted To: MND NewsWireLook closely and you will see that a lack of new home construction is behind almost every problem facing housing today. Residential construction has simply not recovered from the financial crisis and the experts see it only gro..[read more]