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: Modest Reactions to Econ Data as Bonds Wait For Bigger News
Fri, 14 Jun 2019 22:27:44 GMT

Posted To: MBS CommentarySomehow, the bond market managed to end the week at 2.084% (10yr yield) which is exactly where it ended last week. In all my years of market-watching, I've never seen a sharp weekly (like the one we just had in late May) ..[read more]

Mortgage Rates Just Had Another Awesome Week
Fri, 14 Jun 2019 22:07:00 GMT

Posted To: Mortgage Rate WatchWhile we can't say that this week's best mortgage rate offerings were quite as good as last week's best, they were pretty darn close. In fact, quite a few lenders have simply been quoting the same rates for the entire 2-..[read more]

Calabria and Carson: Housing Leaders Talk Reform, Accomplishments
Fri, 14 Jun 2019 16:59:55 GMT

Posted To: MND NewsWireAttendees at the Ginnie Mae Summit commemorating the agencies 50 th anniversary on Thursday heard from both Dr. Ben Carson, Secretary of the Department of Housing and Urban Development (HUD) and Dr. Mark A. Calabria, newly conf..[read more]

Two FHA Premium Changes, An End to MI Requirement?
Fri, 14 Jun 2019 13:08:32 GMT

Posted To: MND NewsWireThe House Financial Services Committee (FSC) passed a clutch of bills this week, several of which will assist homebuyers and homeowners. Two directly affect the cost of an FHA loan. The FHA Loan Affordability Act (H.R. 3141), i..[read more]

eClose, Non-QM, Broker Products; VA and FHA Investor Shifts
Fri, 14 Jun 2019 13:05:18 GMT

Posted To: Pipeline Press“The City of Baltimore, Maryland suffered a ransomware attack on May 7, 2019. Due to the attack, the City is currently unable to record documents until further notice. In the interim they are issuing ‘Lien Certifi..[read more]

MBS Day Ahead: Retail Sales Takes a Swing Before Next Week's Fed
Fri, 14 Jun 2019 12:31:00 GMT

Posted To: MBS CommentaryIn the day just past, bonds managed to add modestly but meaningfully to a 2.5-day rally that's acted to keep them in a consolidation pattern. After I write the words "consolidation pattern," they're typically followed..[read more]

MBS RECAP: Bonds Look Determined to Consolidate
Thu, 13 Jun 2019 21:04:49 GMT

Posted To: MBS CommentaryMonday and Tuesday were a bit nerve-racking as it looked like yields might break back above the pre-Mexico-tariff-threat gap in the 10yr yield chart. But bonds bounced well before that happened and have been trending calmly l..[read more]

Mortgage Rates Continue Easing Back Toward Long-Term Lows
Thu, 13 Jun 2019 20:30:00 GMT

Posted To: Mortgage Rate WatchMortgage rates moved lower for the 2nd straight day, which brings them back in line with Monday's levels. While these aren't quite the lowest rates of the past 2 weeks, they're much closer than they were on Tuesday morni..[read more]

MBA Announces Affordable Housing Initiative, Sees New Home Sales Rising
Thu, 13 Jun 2019 15:30:50 GMT

Posted To: MND NewsWireThe Mortgage Bankers Association (MBA) released its regular monthly estimates for new home sales on Thursday and also announced a new initiative to promote affordable housing. The initiative, to be headed by Steven O'Connor, MB..[read more]

MBS Day Ahead: Bonds Continue Fighting For Consolidation Ahead of Fed
Thu, 13 Jun 2019 13:23:27 GMT

Posted To: MBS CommentaryIn the day just past, bonds built on the Tuesday's strength following a correction to the weakest levels in more than a week. 10yr yields briefly made it as low as 2.11% before consolidating in a fairly perfect triangle/p..[read more]

Non-QM, Underwriting, Marketing Products; Borrower Satisfaction Tips; 1003 Pause
Thu, 13 Jun 2019 12:49:15 GMT

Posted To: Pipeline PressAt the direction of the Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac (the government-sponsored enterprises, or GSEs) are communicating that the optional use period for the redesigned Uniform Residential L..[read more]

Lender Sentiment Shines, Rising Profits and a Positive Outlook
Thu, 13 Jun 2019 12:14:00 GMT

Posted To: MND NewsWireLenders are singing a happier tune when it comes to their profit margin outlook with those hopes driven by rising confidence in mortgage demand. The net share of lenders' perceptions about both recent and upcoming demand has tu..[read more]

MBS RECAP: Bonds Shake Off Panic, Helped by Weak Data and Strong Auctions
Wed, 12 Jun 2019 20:28:33 GMT

Posted To: MBS CommentaryYesterday morning saw bonds weaken enough to cause some small measure of panic among bond bulls. Said bulls had been nodding their heads all last week as they were finally seeing yields that made sense in the context of long-..[read more]

Mortgage Rates Find Some Support as Stocks Cool Off
Wed, 12 Jun 2019 19:56:00 GMT

Posted To: Mortgage Rate WatchMortgage rates moved higher over the past 2 days, but managed to find their footing today. I'll be the last person to claim interest rates and stock prices must follow one another, but at times, their relationship is the..[read more]

MBS Day Ahead: Bonds Remain Open to Ideas as MBS Roll
Wed, 12 Jun 2019 13:20:18 GMT

Posted To: MBS CommentaryIn the day just past, bonds initially gave the impression that they were continuing to correct toward higher yields after weekend news of a trade "deal" with Mexico. Markets weren't as interested in the "deal" part (becau..[read more]

MI, Broker, IO Products; A Wealth of Freddie and Fannie Updates
Wed, 12 Jun 2019 12:45:52 GMT

Posted To: Pipeline PressIn the tech world, the question of, “What is real, and what isn’t?” is becoming more of problem to determine than ever before. The latest is in re-programming video and voices to make up whatever is said , j..[read more]

Credit Availability Rises for Fifth Consecutive Month
Wed, 12 Jun 2019 12:13:28 GMT

Posted To: MND NewsWireMortgage access increased in May for the fifth consecutive month. The Mortgage Bankers Association (MBA) said its Mortgage Credit Availability Index (MCAI) rose 1.9 percent to 189.5. A decline in the MCAI indicates that lending..[read more]

Refi Demand Skyrockets 47% as Rates Slide
Wed, 12 Jun 2019 12:08:00 GMT

Posted To: MND NewsWireMortgage applications soared during the week ended June 7 as interest rates declined further. While applications for home purchases were up, it was refinancing that again drove the overall numbers. The week ended May 31 was sho..[read more]

Mortgage Rates Highest in More Than a Week
Tue, 11 Jun 2019 18:59:00 GMT

Posted To: Mortgage Rate WatchMortgage rates moved higher again today, even though underlying bond markets were relatively flat. This is due to the timing of market movement over the past 2 days in conjunction with typical mortgage lender pricing con..[read more]

Class Action Suit Against MLS and a Possible DOJ Investigation
Tue, 11 Jun 2019 18:28:38 GMT

Posted To: MND NewsWireThe housing crisis put the spotlight, legal and otherwise, on the ways in which home purchases were financed. Financial difficulties weeded out many marginal players as well as unethical ones in the housing finance space, and n..[read more]

MBS Day Ahead: Rates Increasingly Threatening Lift-Off
Tue, 11 Jun 2019 12:30:22 GMT

Posted To: MBS CommentaryIn the day just past, bonds traded to their highest yields in more than a week--something that hasn't been too common in the past few months. In fact, yesterday was the most prominent example since mid-April. The culprit ..[read more]

LO Training, E-Closing, Marketing Products; FHA and VA Changes
Tue, 11 Jun 2019 12:17:31 GMT

Posted To: Pipeline PressAs I head to Kansas today, I have a great quote. Lenders I visit with are optimistic, raising margins to slow volume based on capacity constraints, and entirely different outlook than a few months ago. James Duncan with Texas..[read more]

MBS RECAP: Mexico Tariff De-escalation Hits Bonds
Mon, 10 Jun 2019 21:01:14 GMT

Posted To: MBS CommentaryBad news for bonds today as Trump shelved the threat of tariffs on Mexico that helped fuel the sharpest leg of the recent rally 2 weeks ago. Perhaps more significant than this particular tariff news is the fact that Trump is ..[read more]

Mortgage Rates Move Up From Long-Term Lows
Mon, 10 Jun 2019 20:39:00 GMT

Posted To: Mortgage Rate WatchMortgage rates had a fairly epic week last week, spending each day effectively pinned to the lowest levels since September 2017. That followed a swift move lower in the previous week and solid improvements every week sin..[read more]

Homeowner Equity is on the Rise, Slightly Faster Than Home Prices
Mon, 10 Jun 2019 14:18:58 GMT

Posted To: MND NewsWireThe increase in homeowner equity has slightly exceeded the pace of housing appreciation. CoreLogic says that the 63 percent of homeowners nationally who have a mortgage on their property saw their equity grow by 5.6 percent bet..[read more]