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Kiernan Brown's Blog

Know Your Forms
Updated Oct. 9, 2013 A number of forms have been created to protect the consumer as they purchase a home. Make sure you review and understand at least these 10 forms..
Buying a Home in a Low Inventory Market
Updated Oct. 9, 2013
Here are 3 suggestions for buying a home in a Low Inventory Market: . 1. Get pre-approved and choose a Realtor that can help you find homes that have not been listed yet.- Many Realtor Offices share soon to be listed homes in house before the listing hits the market, this could help you see a home first. . 2. Use the FHA 203k...
Updated Oct. 9, 2013
The HARP program is expected to end 12/31/2013. If you have not applied or applied over more than 6 months ago for this special refinancing program now is the time. Until recently, most lenders were only accepting HARP loans up to 125% loan to value and would not accept MI recertification. Many lenders are now...
HARP Extended
Updated Oct. 9, 2013
GREAT NEWS - HARP 2 has been extended through 2015. Now to work on HARP 3 which will help homeowners with non-agency owned mortgages. I will present more information as it is available. If you have a rate higher than 4% you need to call a Lender 411 Mortgage Specialist..
HARP 3 IS IN Congress
Updated Oct. 24, 2014
Harp 3 was entered back into congress in February. This new HARP Bill will allow non-GSE owned mortgages to be refinanced along the same guidelines as GSE owned mortgages. It only makes sense to allow homeowners that have played by the rules to benefit from today's low rates..
More HARP News
Updated Oct. 9, 2013
Housing Starts are UP
Updated Oct. 9, 2013 Low rates and low inventory is helping revive new construction. If you can't find a home look into building one..
Rates Stay Low
Updated Oct. 9, 2013 Rates remain low make your purchase and refinance applications NOW,.
What the Fed will say
Updated Oct. 9, 2013
Disappointing Jobs numbers and Inflation below 2%, I guess the Fed will say buy more Treasuries. Read more in this
WIll rates Hold Steady?
Updated Oct. 9, 2013 With news of the FED looking to reduce quantitative easing and what appears to be improvements in the economy and jobs numbers, will rates stay at their current levels. I recommend locking and not hoping for a new drop in rates. At best rates will hold steady, but I...
High Rates Are Being Tested
Updated Oct. 9, 2013
I feel the recent rate spike is the Markets and the Fed testing to see how high rates can go, without slowing the housing market. This and Fed Members talking about reducing the Fed's bond buying and possibly even ending it sooner than previously stated will truly show what the markets will bare. www...
Rates Skyrocket 6-21-2013
Updated Oct. 9, 2013
The quote below is form an article on MSN Money page. Us treasuries leapt ahead yesterday from 2.18 to 2.32, and today they sky rocketed to 2.42. Rates have reached a two year high over the last month. 2nd mni housing bubble will pop soon.. "There's money leaving the market from people who were convinced that the rally...
Why Rates Jumped After Good News
Updated Oct. 9, 2013
As you saw in my last post rates have Skyrocketed. The FED has stated it will keep buying bonds at the current rate of $85 Billion per month. Why are rates going up with this good news? Rates are going up because the FED has stated that it will start tapering off bond buying by 2014. This has investors pulling money out of...
Updated Oct. 9, 2013 Rates have climbed a full 1%, home values are on the rise, and more changings are coming that will make getting a mortgage more difficult. If you can BUY YOUR HOME NOW. the attached link will help you see if you are ready..
Rates are Stable
Updated Oct. 9, 2013 Great News Rates are Stable and may see a dip over the next couple of weeks. This article discusses the fear recent FED moves created and now states that the FED is pulling back a little on its easing of Bond Buying. Watch rates and lock soon..
Upcoming CFPB Requirements
Updated Oct. 9, 2013
Read this great article on what the Consumer Financial Protection Bureau (CFPB) has coming your way. Working with a true professional will be more important than ever before.. .
Taper Talk
Updated Oct. 9, 2013
With the experts still hedging towards a start of FED TAPERING, at least a little, to test the waters. You can expect rates to rise. We have seen the issues in Egypt, now Syria, and less than perfect job numbers last week, and still no marked movement in rates. While there is plenty to worry about an economy that is still...
FED Changes Coming
Updated Oct. 9, 2013
The Us Dollar is the Coca Cola of currency. Lets hope the changes coming to the FED do not create NEW COKE. FED policy has to carefully bring us out of the quantitative easing, otherwise we will see many problems. I do not think that the economy is ready for mortgage rates much higher than the current levels. A 14% drop in...
Updated Oct. 24, 2014
"CFPB new rules will be implemented accurately and expeditiously" this quote from the Regulatory Implementation article, posted on the CFPB website, says it all. In layman terms, qualifying for a mortgage will require, lower debt to income ratios, more cash reserves, and everything else about your credit...
Lock Alert
Updated Oct. 22, 2013
LOCK ALERT...Today is a good day to lock your loan. The Ten Year Treasury is at 2.53 and MBS prices jumped after the release of the September Employment report and are now up +17/32. The economy added just 148K jobs, below the consensus of 180K. Thos should keep rates lower until the end of this week. LOCK NOW..

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