{"id":735,"date":"2022-01-02T09:41:36","date_gmt":"2022-01-02T17:41:36","guid":{"rendered":"http:\/\/www.ezmortgages.us\/?p=735"},"modified":"2022-01-25T09:43:34","modified_gmt":"2022-01-25T17:43:34","slug":"ez-mortgage-monitor-january-2-2022","status":"publish","type":"post","link":"https:\/\/ezmortgages.us\/ez-mortgage-monitor-january-2-2022\/","title":{"rendered":"EZ Mortgage Monitor – January 2, 2022"},"content":{"rendered":"

January 2, 2022<\/p>\n

Happy New Year!<\/p>\n

I hope that however 2021 was for you and yours, 2022 brings more health, happiness, and prosperity.<\/p>\n

This is my first missive since March 14, 2020, when the mortgage market nearly froze, and the Fed subsequently unloaded both of their monetary bazookas of lowering the federal funds rate to near zero (0% to .25% target rate from 1% to 1.25%) and stepping back into the mortgage backed security and treasury markets, buying hundreds of billions of dollars of each, basically becoming the market, again.<\/p>\n

Two years ago, prior to the pandemic, the average 30yr fixed rate was roughly 3.8%. As Covidness hit and the global economic system basically shut down for a time, rates dove to their lowest point in history, bottoming about a year ago, and have remained in stupid low territory since (stupid low is an economic term I, think).<\/p>\n

\"\"<\/a><\/p>\n

We\u2019re currently sitting about .25% to .5% off that historic floor, depending on the scenario, but that\u2019s still markedly lower than rates of January 2020. A mere two years ago. So, where will rates go from here?<\/p>\n

Most people think they will go higher. And we hope they do, as that would mean a normalizing economy, putting Covidness further and further behind us and general improvement across the board. But, people say rates will go higher, pretty much every year. However, I\u2019m not convinced we\u2019ll see rates at much higher levels ending 2022 than they are starting the year.<\/p>\n

As I\u2019ve pointed out numerous times, we\u2019ve been in a declining interest rate environment for basically as long as they\u2019ve been tracking 30yr fixed rates, starting in 1971, except for a brief period from the end of the 1970s into the early 1980\u2019s. And, at least 60% of the time, rates have ended the year lower, than where they entered. Whether that happens again, is anyone\u2019s guess.<\/p>\n

\"\"<\/a><\/p>\n

But in the meantime, you can just look at that chart, see when you got your mortgage, and have a sense of whether you can get a lower rate now, and by approximately how much. Heck, if you got your loan in 2018, just three or four years ago, and have never refinanced it, chances are, you can cost-effectively refinance now and save at least 1% on your rate. Even if you got your loan in 2019 or early 2020 prior to March, you can probably save .5% to 1% with a no points, no fees refi. That can add up to real money back in your pocket, vs. lining some bank or investors\u2019 pockets. Or, you can use those savings to shorten your term, paying your mortgage down or off at a much faster pace, without necessarily impacting your cash flow.<\/p>\n

So why do I think rates may not rise that much this year? We\u2019ve been living off unprecedented monetary policy basically since The Great Recession, which was doubled down upon during the height of the Covid Pandemic. We don\u2019t know what it\u2019s like to live without it anymore.<\/p>\n

Nevertheless, right now, we\u2019re seeing the Federal Reserve trying to unwind this extreme monetary support, tapering their asset purchases and discussing raising the federal funds rate sooner, rather than later.<\/p>\n

How that\u2019s going to impact our economy is not clear. Is there enough economic stability and demand to suck up their increasing slack? That remains to be seen.<\/p>\n

But, at least we\u2019re getting back into more interesting times, in terms of interest rates and where they may be headed from here. That\u2019s one of the reasons I\u2019ve not written anything in so long. I found it hard to say anything too helpful and informative, other than \u201crates are at stupid\/historically low levels, and take advantage of that opportunity while you can.\u201d That may remain the case throughout this year too, but at least there will be more signposts to try to gauge what\u2019s happening, and why. As always, I\u2019ll do my best to keep you posted.<\/p>\n

On a personal note, you probably got my calendar magnet, and may have wondered, who are these old dudes and why are they on here? If so, you\u2019re not alone. I\u2019ve been sending those for about 15 years now. I think the only other time I\u2019ve gotten so many questions and comments about the picture was when we had our dogs on there. I usually try to infuse my personality in my work, and that magnet is no exception. So, that\u2019s my Dad, and his octogenarian friends, former dorm roommates, from their freshman year at Providence College. My Dad\u2019s the guy in the yellow shirt. He\u2019s dealing with Alzheimer\u2019s, and is in great spirits and can be present in the moment, but that was possibly a last hurrah for him and his friends at one of their daughter\u2019s (the fifth buddy who couldn\u2019t make it due to a conflicting family reunion) wineries in Maryland. My siblings and I were there to share the day, and it was awesome.<\/p>\n

I hope you and yours are able to find some awesomeness in things from time to time too. But, back to interest rates, they are still awesomely low. So, get \u2018em while you can!<\/p>\n

Here\u2019s where rates ended last week. Call or email if you, your family or friends have any questions or would like to discuss refinancing, or buying a home. Cheers!<\/p>\n

E<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Conforming<\/strong><\/td>\nRates<\/strong><\/td>\nPoints<\/strong><\/td>\nAPR<\/strong><\/td>\nLoan Amt<\/strong><\/td>\nPayment<\/strong><\/td>\n<\/td>\n<\/td>\n<\/tr>\n
30 yr fixed mortgage<\/td>\n2.875%<\/td>\n-0.5<\/td>\n2.925%<\/td>\n\u00a0$300,000.00<\/td>\n\u00a0$\u00a0 \u00a0 \u00a01,245<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
15 yr fixed mortgage<\/td>\n2.125%<\/td>\n-0.5<\/td>\n2.175%<\/td>\n\u00a0$300,000.00<\/td>\n\u00a0$\u00a0 \u00a0 \u00a0 1,948<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
5\/1 ARM<\/td>\n2.875%<\/td>\n0<\/td>\n3.125%<\/td>\n\u00a0$300,000.00<\/td>\n\u00a0$\u00a0 \u00a0 \u00a0 \u00a01,245<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
7\/1 ARM<\/td>\n2.875%<\/td>\n0<\/td>\n2.925%<\/td>\n\u00a0$300,000.00<\/td>\n\u00a0$\u00a0 \u00a0 \u00a0 \u00a01,245<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Jumbo (ask me about Super Conforming limit, per your zip code)<\/strong><\/td>\n<\/td>\n<\/td>\n<\/tr>\n
30 yr fixed mortgage<\/td>\n3.500%<\/td>\n0<\/td>\n3.530%<\/td>\n\u00a0$555,000.00<\/td>\n\u00a0$\u00a0 \u00a0 \u00a0 2,492<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
15 yr fixed mortgage<\/td>\n3.500%<\/td>\n0<\/td>\n3.530%<\/td>\n\u00a0$555,000.00<\/td>\n\u00a0$\u00a0 \u00a0 \u00a0 3,968<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
5\/1 ARM<\/td>\n2.875%<\/td>\n0<\/td>\n2.905%<\/td>\n\u00a0$555,000.00<\/td>\n\u00a0$\u00a0 \u00a0 \u00a0 2,303<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
10\/1 ARM<\/td>\n3.250%<\/td>\n–<\/td>\n3.280%<\/td>\n\u00a0$555,000.00<\/td>\n\u00a0$\u00a0 \u00a0 \u00a0 \u00a02,415<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Rates subject to change without notice.<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
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.\u00a0 Although these rates exist today, based on certain qualifying characteristics (760+ fico, owner occupied SFR with 75% loan to value ratio or less and $200,000+ loan amount), your scenario may allow for lower or higher interest rates.\u00a0 Licensed by the CA Dept of Real Estate, #01760965.\u00a0 NMLS: 239756.\u00a0 Equal Opportunity Housing Lender.\u00a0 If you’d like to be removed from this list, please reply with REMOVE in the subject line.\u00a0 You can also use this link, mailto:eric@ezmortgages.us and add REMOVE to the subject line.\u00a0 To add someone who would appreciate this information, send me their email with SUBSCRIBE as subject.<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Eric Grathwol
\nBroker
\nEZ Mortgages, Inc.
\n4535 Missouri Flat Rd. Ste. 2E
\nPlacerville, CA 95667
\nOffice: 530-303-3643
\nCell: 916-223-4235
\nFax: 530-237-5800
\nNMLS: 239756
\nwww.ezmortgages.us<\/p>\n","protected":false},"excerpt":{"rendered":"

January 2, 2022 Happy New Year! I hope that however 2021 was for you and yours, 2022 brings more health, […]<\/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-735","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"\nEZ Mortgage Monitor - January 2, 2022 - 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-2-2022\/\" \/>\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, 2022 - EZ Mortgages, Inc.\" \/>\n<meta property=\"og:description\" content=\"January 2, 2022 Happy New Year! 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