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Manuel Gonzalez's Blog

Mortgage Rates Unexpectedly Drop due to Strong October Jobs Reports
Updated Oct. 9, 2013
As reported by the Bureau of Labor Statistics Friday, employers added 171,000 net new jobs to the U.S. economy in October 2012 as the national unemployment rate rose 0.1 to 7.9 percent. The Unemployment Rate rose amid rising jobs data because more than one-half million new workers entered the workforce last month.. In...
Mortgage Rates Start The Week By Falling, May Drop Even More
Updated Oct. 9, 2013
Mortgage-backed securities (MBS) improved last week amid stronger-than-expected economic data, including the U.S. jobs report for October.. Normally, an improving jobs economy would lead mortgage rates higher but the unexpected effects of Hurricane Sandy, which forced the exchanges closed for 36 hours and...
Mortgage Rates continue to remain under 4% Even after 12 months
Updated Oct. 9, 2013
One year later, mortgage rates remain below 4%According to Freddie Mac's Primary Mortgage Market Survey, the average 30-year fixed rate mortgage rate ticked higher by 0.01 percentage points this week to 3.40% nationwide.Mortgage rates first broke 4.00% in November 2011 feels like just yesterday...
15 Year Fixed chosen more than 30 year
Updated Oct. 9, 2013
Mortgage Rates : Get A 15-Year Mortgage Rate. According to Freddie Mac's most recent weekly mortgage rate survey, conforming 15-year fixed rate mortgage rates and conforming 30-year fixed rate mortgage rates are at their lowest levels in history.. 15-year fixed rate mortgage : 2.64 percent, on average,...
Realestate Purchase
Updated Oct. 9, 2013
Real estate purchase can be daunting to a first-time buyer, and even those fairly experienced in house purchase can find the process of buying a home a bit scary. Let's examine the main steps involved in buying real estate and put them into perspective so that each step in the whole procedure makes sense and...
Qualifying for a Mortgage
Updated Oct. 9, 2013
Most find qualifying for a mortgage easy, though there are mortgage qualification factors that can trip some people up. It is best to understand what these factors are, so that you can take steps to rectify any potential problems in advance of your mortgage application.. In doing this, keep in mind that the...
Financing Building a House: How to Finance Building a Home
Updated Oct. 9, 2013
Financing building a house is slightly different to getting a regular mortgage. There are several ways how to finance building a home, depending on whether or not you also have an existing property to sell. Do you already own the land? If not, you can bundle that with the construction costs unless you can pay cash...
Should I lock in my rate now, or should I Float ?
Updated Oct. 9, 2013
A very common question for any consumer that might be considering refinancing an existing home loan or purchasing a new home is "Should I lock my mortgage rate?".. This is a very important question and the answer can seemingly change from day to day, depending on what is going on in the markets.. Your specific...
Benefit of Investing in Solar Panels
Updated Oct. 9, 2013
Why install solar panels? Is it really as worthwhile as people claim, and is there a genuine return on investment involved? Naturally, your geographic area is important. This is not only related to the average amount of sunlight you get, but also to the inclination of your geographical position to the sun.You can...
All about Home Staging
Updated Oct. 9, 2013
Home staging need not be expensive. It is not possible to say how much you should spend on staging a home for sale, because that depends on your property and its condition. However, here are some general guidelines on how to stage a home and the general costs involved.. Home Staging: First StepsStand back to the curb,...
Improving your credit score
Updated Oct. 9, 2013
Improving your credit score is important if you are seeking a mortgage. If your FICO score is below 700, you could do with improving it to make sure you are offered the best interest rates. You can get a mortgage with a low credit score, but you will pay for it in interest and perhaps other charges. Here are some common...
What is a Libor adjustable rate and why should I consider one
Updated Oct. 9, 2013
What is a Libor Mortgage?A Libor mortgage is one for which the interest rate is determined by the Libor index. The initial rates are usually significantly lower than ARMs based on another index. They are provided with period caps, and also lifetime caps. The level of the cap will depend upon the individual...

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