{"id":500,"date":"2015-01-02T20:51:32","date_gmt":"2015-01-03T04:51:32","guid":{"rendered":"http:\/\/www.ezmortgages.us\/?p=500"},"modified":"2015-01-02T20:51:32","modified_gmt":"2015-01-03T04:51:32","slug":"ez-mortgage-monitor-january-2-2015","status":"publish","type":"post","link":"https:\/\/ezmortgages.us\/ez-mortgage-monitor-january-2-2015\/","title":{"rendered":"EZ Mortgage Monitor &#8211; January 2, 2015"},"content":{"rendered":"<p>Happy New Year! I hope the College Football Playoff season is treating you and yours well\u2026<\/p>\n<p>Last year, well, since May of 2013, really, I pretty much felt like we\u2019d seen the floor in interest rates, and they\u2019d be on a slow, steady plod higher. Although that was true for the rest of 2013, 2014 was a different story.<\/p>\n<p>The only plodding they did was a slow, steady grind lower.<\/p>\n<p>I\u2019m still saying they\u2019re headed up in 2015, as are most of the rest of the world\u2019s people who watch these things, but\u2026what do we know?<\/p>\n<p>Not much, other than enjoy \u2018em while we got \u2018em!<\/p>\n<p>I\u2019m exercising my brevity, so that\u2019s it for this update.<\/p>\n<p>All the same factors I\u2019ve written about before continue to be at play. In short. US seemingly on much better economic footing, and doing pretty well; Europe an ongoing concern; Russia an ongoing concern; China could have issues.<\/p>\n<p>If the US is the leading edge of global economic growth, rates will rise. If exogenous shocks or foolish fiscal follies stunt that momentum in the US, we may drift through 2015 without much change. Or\u2026possibly retesting prior lows set from the fall of 2012 through spring 2013 \u2013 although that would really surprise me.<\/p>\n<p>Here\u2019s what we\u2019ve seen in the last 12 months:<\/p>\n<p><a href=\"https:\/\/ezmortgages.us\/wp-content\/uploads\/fredgraph4.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-501\" src=\"https:\/\/ezmortgages.us\/wp-content\/uploads\/fredgraph4-300x199.jpg\" alt=\"fredgraph\" width=\"473\" height=\"314\" srcset=\"https:\/\/ezmortgages.us\/wp-content\/uploads\/fredgraph4-300x199.jpg 300w, https:\/\/ezmortgages.us\/wp-content\/uploads\/fredgraph4-1024x680.jpg 1024w\" sizes=\"auto, (max-width: 473px) 100vw, 473px\" \/><\/a><\/p>\n<p>I\u2019ll do my best to keep you posted as we roll through 2015, too.<\/p>\n<p>In the meantime, here are your rates ending this week. Please don\u2019t hesitate to call or email if you, your friends, or family have questions about buying or refinancing residential or commercial real estate.<\/p>\n<p>Cheers!<\/p>\n<p>E<\/p>\n<p>&nbsp;<\/p>\n<table style=\"height: 670px;\" width=\"629\">\n<tbody>\n<tr>\n<td width=\"168\">\u00a0<strong>Conforming<\/strong><\/td>\n<td width=\"80\"><strong>Rates<\/strong><\/td>\n<td width=\"80\"><strong>Points<\/strong><\/td>\n<td width=\"83\"><strong>APR<\/strong><\/td>\n<td width=\"123\"><strong>Loan Amt<\/strong><\/td>\n<td width=\"98\"><strong>Payment<\/strong><\/td>\n<td width=\"0\"><\/td>\n<\/tr>\n<tr>\n<td width=\"168\">30 yr fixed mortgage<\/td>\n<td width=\"80\">3.750%<\/td>\n<td width=\"80\">0<\/td>\n<td width=\"83\">3.800%<\/td>\n<td width=\"123\">$ \u00a0\u00a0 300,000.00<\/td>\n<td width=\"98\">$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,389<\/td>\n<td width=\"0\"><\/td>\n<\/tr>\n<tr>\n<td width=\"168\">15 yr fixed mortgage<\/td>\n<td width=\"80\">3.000%<\/td>\n<td width=\"80\">0<\/td>\n<td width=\"83\">3.050%<\/td>\n<td width=\"123\">$ \u00a0\u00a0 300,000.00<\/td>\n<td width=\"98\">$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2,072<\/td>\n<td width=\"0\"><\/td>\n<\/tr>\n<tr>\n<td width=\"168\">3\/1 ARM<\/td>\n<td width=\"80\">3.375%<\/td>\n<td width=\"80\">0<\/td>\n<td width=\"83\">3.425%<\/td>\n<td width=\"123\">$ \u00a0\u00a0 300,000.00<\/td>\n<td width=\"98\">$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,326<\/td>\n<td width=\"0\"><\/td>\n<\/tr>\n<tr>\n<td width=\"168\">5\/1 ARM<\/td>\n<td width=\"80\">3.250%<\/td>\n<td width=\"80\">0<\/td>\n<td width=\"83\">3.300%<\/td>\n<td width=\"123\">$\u00a0 \u00a0 300,000.00<\/td>\n<td width=\"98\">$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,306<\/td>\n<td width=\"0\"><\/td>\n<\/tr>\n<tr>\n<td colspan=\"6\" width=\"631\"><strong>Jumbo (ask me about Super Conforming limit, per your zip code)<\/strong><\/td>\n<td width=\"0\"><\/td>\n<\/tr>\n<tr>\n<td width=\"168\">30 yr fixed mortgage<\/td>\n<td width=\"80\">4.250%<\/td>\n<td width=\"80\">0<\/td>\n<td width=\"83\">4.280%<\/td>\n<td width=\"123\">$ \u00a0 \u00a0 550,000.00<\/td>\n<td width=\"98\">$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2,706<\/td>\n<td width=\"0\"><\/td>\n<\/tr>\n<tr>\n<td width=\"168\">15 yr fixed mortgage<\/td>\n<td width=\"80\">4.375%<\/td>\n<td width=\"80\">0<\/td>\n<td width=\"83\">4.405%<\/td>\n<td width=\"123\">$ \u00a0 \u00a0 550,000.00<\/td>\n<td width=\"98\">$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 4,172<\/td>\n<td width=\"0\"><\/td>\n<\/tr>\n<tr>\n<td width=\"168\">3\/1 ARM<\/td>\n<td width=\"80\">3.625%<\/td>\n<td width=\"80\">0<\/td>\n<td width=\"83\">3.655%<\/td>\n<td width=\"123\">$ \u00a0 \u00a0 550,000.00<\/td>\n<td width=\"98\">$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2,508<\/td>\n<td width=\"0\"><\/td>\n<\/tr>\n<tr>\n<td width=\"168\">5\/1 ARM<\/td>\n<td width=\"80\">3.375%<\/td>\n<td width=\"80\">0<\/td>\n<td width=\"83\">3.405%<\/td>\n<td width=\"123\">$ \u00a0 \u00a0 550,000.00<\/td>\n<td width=\"98\">$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2,432<\/td>\n<td width=\"0\"><\/td>\n<\/tr>\n<tr>\n<td colspan=\"6\" width=\"631\">Rates subject to change without notice.<\/td>\n<td width=\"0\"><\/td>\n<\/tr>\n<tr>\n<td colspan=\"6\" rowspan=\"4\" width=\"631\">Please keep in mind, these rates and statistics are for informational purposes only to give you a sense of market movement and my opinion as to why. Although these rates exist today, based on certain qualifying characteristics (740+ fico, owner occupied SFR with 75% loan to value ratio or less), your scenario may allow for lower or higher interest rates. Licensed by the CA Dept of Real Estate, #01760965. NMLS: 239756. Equal Opportunity Housing Lender. If you&#8217;d like to be removed from this list, please reply with REMOVE in the subject line. You can also use this link, mailto:eric@ezmortgages.us and add REMOVE to the subject line. To add someone who would appreciate this information, send me their email with SUBSCRIBE as subject.<\/td>\n<td width=\"0\"><\/td>\n<\/tr>\n<tr>\n<td width=\"0\"><\/td>\n<\/tr>\n<tr>\n<td width=\"0\"><\/td>\n<\/tr>\n<tr>\n<td width=\"0\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>Eric Grathwol<\/p>\n<p>Broker<\/p>\n<p>EZ Mortgages, Inc.<\/p>\n<p>4535 Missouri Flat Rd. Ste. 2E<\/p>\n<p>Placerville, CA 95667<\/p>\n<p>Office: 530-303-3643<\/p>\n<p>Cell: 916-223-4235<\/p>\n<p>Fax: 530-237-5800<\/p>\n<p>NMLS: 239756<\/p>\n<p>www.ezmortgages.us<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Happy New Year! I hope the College Football Playoff season is treating you and yours well\u2026 Last year, well, since [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-500","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>EZ Mortgage Monitor - January 2, 2015 - EZ Mortgages, Inc.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ezmortgages.us\/ez-mortgage-monitor-january-2-2015\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"EZ Mortgage Monitor - January 2, 2015 - EZ Mortgages, Inc.\" \/>\n<meta property=\"og:description\" content=\"Happy New Year! 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