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
Lenders Manage Tiny Profits in 2018 Despite Rate Hikes, Inventories
Thu, 18 Apr 2019 12:20:01 GMT

Posted To: MND NewsWireDespite their fourth quarter loss reported last month, independent mortgage banks and bank mortgage subsidiaries still managed, albeit barely, to stay in the black last year. The Mortgage Bankers Association (MBA) said that ban..[read more]

MBS RECAP: Bonds Battle Back After Opening Weakness
Wed, 17 Apr 2019 21:06:56 GMT

Posted To: MBS CommentaryAs feared, bonds were gearing up for the raft of big-ticket economic data in China overnight. On balance, that data was quite a bit better than expected. The resulting selling spree was thus fairly logical. 10yr yields nearly..[read more]

Mortgage Rates Quickly Find Themselves at 1 Month Highs
Wed, 17 Apr 2019 19:54:00 GMT

Posted To: Mortgage Rate WatchMortgage rates continued higher for the 5th day in a row today. This brings the average lender to the highest levels in exactly one month. At issue: a series of stronger economic reports at home and abroad have eased con..[read more]

New Tax Rules May Have Added to Housing Slowdown
Wed, 17 Apr 2019 14:48:16 GMT

Posted To: MND NewsWireTwo New York Federal Reserve Bank economists are asking whether the tax reform act that went into effect at the beginning of 2018 is playing a role in the decline of home sales. Richard Peach and Casey McQuillan, writing in Lib..[read more]

MBS Day Ahead: Bonds Successfully Predict Chinese Rebound
Wed, 17 Apr 2019 13:06:38 GMT

Posted To: MBS CommentaryOver the years, there have been more times than I can count where the financial media has mistakenly assigned some significance to news or events in China. The past week has had its moments in that regard, but this time aroun..[read more]

Non-QM Products; Mortgage Mergers Roll On; QE Still Influencing Rates - a Primer
Wed, 17 Apr 2019 12:31:35 GMT

Posted To: Pipeline PressEconomic doldrums? Probably not – but there is always someone out there claiming dire straits are right around the corner. A CNBC survey of Wall Street experts finds over 96% do not anticipate a recession by summer 2020..[read more]

Purchase Volume Continues Higher Despite Rising Rates
Wed, 17 Apr 2019 12:17:35 GMT

Posted To: MND NewsWireIt would appear that Refis' time in the sun is listing back towards purchases, as mortgage rates increased for the second straight week and application volume retreated further . The Mortgage Bankers Association's Market Compos..[read more]

MBS RECAP: Bonds Keep losing Ground. Defensive Positioning or Something Worse?
Tue, 16 Apr 2019 21:11:00 GMT

Posted To: MBS CommentaryRates were flat to start the overnight session and didn't bat an eyelash at initial strength in equities markets during Asia-only trading hours. Things changes when European trading got underway with the sizable jump in t..[read more]

Mortgage Rates Highest in Nearly a Month
Tue, 16 Apr 2019 20:22:00 GMT

Posted To: Mortgage Rate WatchMortgage rates rose again today, albeit at a slightly slower clip compared to yesterday. Still, that's little consolidation considering this is the 4th straight day spent moving in that unfriendly direction. The average ..[read more]

Buyer Traffic Improves, Builders Still Leery of New Home Market
Tue, 16 Apr 2019 14:41:57 GMT

Posted To: MND NewsWireBuilder confidence levels as reported by the National Association of Home Builders (NAHB) remained in the low 60s in April, a space it has now occupied for three months. The NAHB/Wells Fargo Housing Market Index (HMI) a measure..[read more]

MBS Day Ahead: Be Careful What You Read and Whom You Trust
Tue, 16 Apr 2019 14:32:33 GMT

Posted To: MBS CommentaryReading the news this morning, I came across multiple articles with such bogus claims that I feel compelled to rant about it here. All of the offenders (I stopped looking after 3 out of 3 all said the same thing) suggested th..[read more]

Coaching, Underwriting, and Franchise Products; Tech Study; Fed Speeches This Week
Tue, 16 Apr 2019 12:22:07 GMT

Posted To: Pipeline PressThings aren’t always what they seem. Does the mainstream press, or politicians, think about how about how much money it takes to attract top talent to senior roles at top mortgage companies? Elizabeth Warren has led a n..[read more]

MBS RECAP: Bonds Defy Friday's Logic to Hold Flat
Mon, 15 Apr 2019 22:15:11 GMT

Posted To: MBS CommentaryWhat would you expect to care more about Chinese economic data: the US bond market or the Chinese stock market? Option 2? Good, I agree. Now, if you said that US bond yields and Chinese stocks were moving higher together in r..[read more]

Mortgage Rates Highest in More Than 3 Weeks
Mon, 15 Apr 2019 21:25:00 GMT

Posted To: Mortgage Rate WatchMortgage rates continued higher to start the week, following a relatively sharp increase on Friday. Interestingly enough, the underlying bond market was stable today. In other words, it didn't suggest higher rates. But t..[read more]

Non-Bank Lender CEO on Why Companies Like His Could Cause Next Crisis
Mon, 15 Apr 2019 19:48:43 GMT

Posted To: MND NewsWireIn an opinion piece published by MarketWatch , the president of the nation's third largest non-bank lender says institutions such as his could find themselves in a tough situation should liquidity dry up. So tough, in fact, it ..[read more]

Homeowners Expecting Higher Appraisals than They Get
Mon, 15 Apr 2019 14:56:00 GMT

Posted To: MND NewsWireHomeowners are and should be proud of their homes, but that often leads them to think it has a higher value than does an appraiser and the difference between the two opinions increased significantly in March. Quicken Loans says..[read more]

MBS Week Ahead: Time to Find Out How Much China Matters
Mon, 15 Apr 2019 14:12:17 GMT

Posted To: MBS CommentaryAh China... the US financial market's scapegoat of choice for many a swing that has nothing to do with China (with a few big, notable exceptions). Last Friday brought the biggest day of bond market weakness we've seen..[read more]

Marketing, HELOC Comp, Post-closing Products; New Broker Products
Mon, 15 Apr 2019 12:41:08 GMT

Posted To: Pipeline PressM&A grab current headlines (Freedom buying JG Wentworth’s mortgage biz being the latest) but it’s hard to put the past behind us, as an industry, when the past continues to grab them as well. “GE to pay $1.5..[read more]

Mortgage Rates End Week at Highest Levels
Fri, 12 Apr 2019 21:19:00 GMT

Posted To: Mortgage Rate WatchMortgage rates rose fairly quickly on Friday, depending on the lender and the scenario. Bonds (which dictate mortgage rates and interest rates in general) weakened overnight on a variety of foreign and domestic data. Whi..[read more]

MBS Day Ahead: Bonds Quickly Find Themselves Defending 2.55% Ceiling
Fri, 12 Apr 2019 15:04:29 GMT

Posted To: MBS CommentaryThe domestic bond market woke up this morning to find itself pushed up against the same ceiling that had offered a friendly bounce late last week. Between now and then, we've seen solid enough progress to reinforce that c..[read more]

Condo, Referral Products; Upcoming Events; Investing in the Industry Takes Many Forms
Fri, 12 Apr 2019 13:04:59 GMT

Posted To: Pipeline PressLoan officers everywhere tell me about “The Bank of Mom and Dad” helping buy homes , either through gifts or co-signing, helping overcome that down payment hurdle. Investing money is often a probability game. Did ..[read more]

MBS RECAP: Brexit Punt Successfully Delays The Game
Thu, 11 Apr 2019 22:33:04 GMT

Posted To: MBS CommentaryAs expected, the result of the emergency EU summit overnight was a hefty brexit extension, giving the UK until 10/31 to approve a compromise deal to leave the EU. At face value, this wasn't the conclusion bonds wanted, be..[read more]

Mortgage Rates Mostly Flat Despite Market Weakness
Thu, 11 Apr 2019 21:41:00 GMT

Posted To: Mortgage Rate WatchMortgage rates were arguably flat today for the average lender although a few were slightly higher or lower depending on their offerings from yesterday. Markets, however, argued a slightly different case. When we talk ab..[read more]

2018 Set Record for Commercial/Multifamily Lending
Thu, 11 Apr 2019 15:14:46 GMT

Posted To: MND NewsWireMultifamily properties led the list of investments in what was a record year of of commercial and multifamily lending in 2018. Commercial and multifamily mortgage bankers closed $573.9 billion in loans during the year according..[read more]

MBS Day Ahead: Weaker, Stronger, Flat... As Long As We Hold This Line
Thu, 11 Apr 2019 14:32:48 GMT

Posted To: MBS CommentaryGlobal financial markets caught a glimpse of a world with 10yr yields above 3% in late 2018, and they didn't like it. A combination of stock selling and Fed accommodation (a sequence of events, really) helped rates move s..[read more]