Friday, August 5, 2016

Rates Edge Higher; Slow Week For Mortgage Apps; Anti-Money Laundering Discussion

Mortgage rates were nominally higher today, though you'd be hard-pressed to find any evidence of that on lender rate sheets. For all practical purposes, rates haven't moved since last Thursday afternoon. During that time, any detectable changes have come in the form of small adjustments in closing costs, with no change to the interest rate quoted. Most lenders are offering conventional 30yr fixed rates in a range of 3.375-3.5% on top tier scenarios at the moment. A scattered few are up at 3.625%. In the bigger, more stategic picture, it was fair to hope that rates were breaking out of a sideways range last Friday and might begin to build momentum this week. Instead, they've backtracked, putting us right back in the same position. Specifically, the range is sideways, and we're waiting for a

from
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