What do you know about Modular Homes Today?     This is a repost by Ginny Gorman who has shared some great information about the Factory Built Housing Industry.     BY GINNY GORMAN Real Estate Agent with Phillips Post Road Realty ~ 401-529-7849~ RI Waterfront Real Estate EMAIL  SHORT URL    Share: July 20, 2011 05:52 AM What do you know about Modular Homes Today?  Modular home manufacturers have changed how they construct, design and appeal to home buyers in a tough new construction market especially in RI.  I have seen some very attractive designs put up as well as some that just look like boxes added here and there to the house to increase living space requirements.At Eldred Farm in Kingston RI, a RI builder, Paul Schurman, is stepping it up a notch with a mini eight home development... 06/21/2014

MORTGAGE INTEREST RATE LOCK ADVISORY June 20, 2014 8:30 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: FLOAT The price for 3.50% Mortgage Loans based on MBS is currently Up 0.05 point. Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.03% to 4.17% on June 19. MBS (3.5%) - Currently 102.11, High: 102.16, Low: 101.99  DJI Stocks currently $16,971.48, Up $50.02, Change 0.295%  Asian & European Stock Market Indexes changed -0.19% Crude Oil (WTI) Currently $107.08 - Change 0.61% Gold 1 Ounce - $1,213.15   MORTGAGE AND REAL ESTATE NEWS       Taper will cause gradual rise in rates throughout 2014 - Freddie Mac  by Ryan Smith | Freddie Mac is predic... 06/20/2014

MORTGAGE INTEREST RATE LOCK ADVISORY June 19, 2014 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: FLOAT The price for 3.50% Mortgage Loans based on MBS is currently Down 0.18 point. Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.03% to 4.17% on June 19. MBS (3.5%) - Currently 102.28, High: 102.48, Low: 102.19 DJI Stocks currently $16,910.67, Up $4.05, Change 0.024% Asian & European Stock Market Indexes changed 0.901% Crude Oil (WTI) Currently $105.94 - Change -0.03% Gold 1 Ounce - $1,295.04   MORTGAGE AND REAL ESTATE NEWS    Discrimination, intimidation culture runs through CFPB  Two more witnesses testify about CFPB 'Plantation'  Tr... 06/19/2014

MORTGAGE INTEREST RATE LOCK ADVISORY June 18, 2014 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: LOCK The price for 3.50% Mortgage Loans based on MBS is currently Down 0.18 point. Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, up 0.06% to 4.20% on June 12. MBS (3.5%) - Currently 101.87, High: 101.94, Low: 101.69 DJI Stocks currently $16,786.63, Down $21.86, Change -0.13% Asian & European Stock Market Indexes changed 0.331% Crude Oil (WTI) Currently $106.58 - Change 0.21% Gold 1 Ounce - $1,271.13   MORTGAGE AND REAL ESTATE NEWS      You Don't Need That Much of a Down Payment  Daily Real Estate News - Many consumers are overestimating the do... 06/18/2014

MORTGAGE INTEREST RATE LOCK ADVISORY June 17, 2014 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: LOCK The price for 3.50% Mortgage Loans based on MBS is currently UP 0.34 point. Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, up 0.06% to 4.20% on June 12. MBS (3.5%) - Currently 101.79, High: 102.21, Low: 101.74 DJI Stocks currently $16,768.81, Down $12.2, Change -0.073% Asian & European Stock Market Indexes changed 0.189% Crude Oil (WTI) Currently $106.74 - Change -0.15% Gold 1 Ounce - $1,270.43   MORTGAGE AND REAL ESTATE NEWS      Home Price Appreciation Continues in April  By: Tory Barringer - Price gains among non-distressed homes accele... 06/17/2014

MORTGAGE INTEREST RATE LOCK ADVISORY June 16, 2014 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: LOCK The price for 3.50% Mortgage Loans based on MBS is currently down 0.08 point. Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, up 0.06% to 4.20% on June 12. MBS (3.5%) - Currently 102.04, High: 102.1, Low: 101.9 DJI Stocks currently $16,781.02, Up $5.28, Change 0.031% Asian & European Stock Market Indexes changed -0.458% Crude Oil (WTI) Currently $107.05 - Change 0.13% Gold 1 Ounce - $1,275.70   MORTGAGE AND REAL ESTATE NEWS    May Home Sales Fail to Match Rise in Inventory  By: Derek Templeton - The housing market took an unexpected dip in ... 06/16/2014

Summercreek Escondido Home for Sale OverviewMapsPhotosMarket Stats $505,000 Single Family Home Main Features 4 Bedrooms2 Bathrooms1 Partial BathroomInterior: 1,991 sqft Location 2210 Shadyridge AvenueEscondido, CA 92029USA Melissa Zavala Broadpoint Properties(760) 542-8658melissa@broadpointproperties.comhttp://www.servingsandiegocounty.com          Listed by: Broadpoint Properties Our recent listings Summercreek Escondido Home for SaleBeautiful 3 Bedroom in Emerald HeightsTwo Bedroom Home in Downtown EscondidoBeautiful 5 Bedroom Home in Winchester for Sale2 Bedroom Condo in Felicita Villas Escondido Subscribe to our listing feed Nearby properties for sale 06/13/2014

MORTGAGE INTEREST RATE LOCK ADVISORY June 12, 2014 7:45 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: LOCK The price for 3.50% Mortgage Loans based on MBS is currently down 0.24 point. Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, up 0.06% to 4.20% on June 12. MBS (3.5%) - Currently 102, High: 102.01, Low: 102.55 DJI Stocks currently $16,779.49, Down $64.39, Change -0.384% Asian & European Stock Market Indexes changed -0.272% Crude Oil (WTI) Currently $105.88 - Change 1.42% Gold 1 Ounce - $1,273.94   MORTGAGE AND REAL ESTATE NEWS      Realtors expect median home prices to rise 4%  Going against the surge of negative reports, survey shows optim... 06/12/2014

MORTGAGE INTEREST RATE LOCK ADVISORY June 11, 2014 8:25 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: LOCK The price for 3.50% Mortgage Loans based on MBS is currently down 0.13 point. Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, up 0.02% to 4.14% on June 5. MBS (3.5%) - Currently 101.96, High: 101.97, Low: 101.73 DJI Stocks currently $16,922.87, Down $20.23, Change -0.12% Asian & European Stock Market Indexes changed -0.606% Crude Oil (WTI) Currently $104.56 - Change 0.2% Gold 1 Ounce - $1,262.04   MORTGAGE AND REAL ESTATE NEWS      Mortgage applications unexpectedly jump 10% for week  Refinance share continues to grow Trey Garrison - After ... 06/11/2014

MORTGAGE INTEREST RATE LOCK ADVISORY June 10, 2014 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: LOCK The price for 3.50% Mortgage Loans based on MBS is currently up 0.20 point. Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, up 0.02% to 4.14% on June 5. MBS (3.5%) - Currently 102.08, High: 102.38, Low: 102.03 DJI Stocks currently $16,922.87, Down $20.23, Change -0.12% Asian & European Stock Market Indexes changed -0.099% Crude Oil (WTI) Currently $104.66 - Change 0.24% Gold 1 Ounce - $1,260.71   MORTGAGE AND REAL ESTATE NEWS   99.50% Financing is Available in California 99.50% low rate home financing is available in California. Email for d... 06/10/2014

MORTGAGE INTEREST RATE LOCK ADVISORY June 9, 2014 8:15 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: LOCK The price for 3.50% Mortgage Loans based on MBS is currently up 0.20 point. Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, up 0.02% to 4.14% on June 5. MBS (3.5%) - Currently 102.19, High: 102.39, Low: 102.19 DJI Stocks currently $16,944.67, Up $20.39, Change 0.12% Asian & European Stock Market Indexes changed 0.321% Crude Oil (WTI) Currently $103.93 - Change 1.24% Gold 1 Ounce - $1,252.70 MORTGAGE AND REAL ESTATE NEWS   FHA 99.50% Financing  99.50% home financing is available in California using a FHA 96.5% LTV first and 3% LTV secondary f... 06/09/2014

Beautiful 3 Bedroom in Emerald Heights    OverviewMapsPhotosMarket Stats $555,000 Single Family Home Main Features 3 Bedrooms2 BathroomsInterior: 1,964 sqft Location 2128 View Crest GlenEscondido, CA 92026USA Melissa Zavala Broadpoint Properties(760) 542-8658melissa@broadpointproperties.comhttp://www.servingsandiegocounty.com          Listed by: Broadpoint Properties Our recent listings Beautiful 3 Bedroom in Emerald HeightsTwo Bedroom Home in Downtown EscondidoBeautiful 5 Bedroom Home in Winchester for Sale2 Bedroom Condo in Felicita Villas Escondido4 Bedroom Home in Harmony Grove Escondido Subscribe to our listing feed Nearby properties for sale 06/06/2014

MORTGAGE INTEREST RATE LOCK ADVISORY June 6, 2014 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: FLOAT With Caution The price for 3.50% Mortgage Loans based on MBS is currently down 0.10 point. Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, up 0.02% to 4.14% on June 5. MBS (3.5%) - Currently 102.52, High: 102.82, Low: 102.47 DJI Stocks currently $16,901.16, Up $65.05, Change 0.385% Asian & European Stock Market Indexes changed 0.839% Crude Oil (WTI) Currently $102.82 - Change 0.33% Gold 1 Ounce - $1,249.87   MORTGAGE AND REAL ESTATE NEWS   FHA 99.50% Financing  99.50% home financing is available in California using a FHA 96.5% LTV first and... 06/06/2014

MORTGAGE INTEREST RATE LOCK ADVISORY June 5, 2014 8:30 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: FLOAT With Caution The price for 3.50% Mortgage Loans based on MBS is currently down 0.27 point. Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, up 0.02% to 4.14% on June 5. MBS (3.5%) - Currently 102.47, High: 102.47, Low: 102.05 DJI Stocks currently $16,790.32, Up $52.79, Change 0.314% Asian & European Stock Market Indexes changed 0.792% Crude Oil (WTI) Currently $102.37 - Change -0.26% Gold 1 Ounce - $1,254.27   MORTGAGE AND REAL ESTATE NEWS     Total Home Flipping Down Yearly, but Profit Increases  By: Colin Robins - RealtyTrac VP Daren Blomq... 06/05/2014

MORTGAGE INTEREST RATE LOCK ADVISORY June 4, 2014 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: LOCK The price for 3.50% Mortgage Loans based on MBS is currently down 0.01 point. Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.02% to 4.12% on May 29. MBS (3.5%) - Currently 102.15, High: 102.38, Low: 102.12 DJI Stocks currently $16,706.96, Down $15.38, Change -0.092% Asian & European Stock Market Indexes changed -0.204% Crude Oil (WTI) Currently $103.52 - Change 0.84% Gold 1 Ounce - $1,244.01   MORTGAGE AND REAL ESTATE NEWS     Majority of Americans Believe Housing Crisis Isn't Over  By: Tory Barringer - Recession-RecoveryWhile the ho... 06/04/2014

MORTGAGE INTEREST RATE LOCK ADVISORY June 3, 2014 7:55 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: LOCK The price for 3.50% Mortgage Loans based on MBS is currently up 0.24 point. Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.02% to 4.12% on May 29. MBS (3.5%) - Currently 102.38, High: 102.62, Low: 102.29 DJI Stocks currently $16,700.67, Down $42.96, Change -0.257% Asian & European Stock Market Indexes changed -0.185% Crude Oil (WTI) Currently $102.42 - Change -0.05% Gold 1 Ounce - $1,243.79   MORTGAGE AND REAL ESTATE NEWS     Prices Fully Recovered in One-Third of Top U.S. Markets  By: Tory Barringer - A new report indicates more tha... 06/03/2014

MORTGAGE INTEREST RATE LOCK ADVISORY June 2, 2014 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: LOCK The price for 3.50% Mortgage Loans based on MBS is currently up 0.19 point. Amid mix market signals is seems that we are pushing the rate envelope and locking is the safe bet.  Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.02% to 4.12% on May 29. MBS (3.5%) - Currently 102.75, High: 102.97, Low: 102.73 DJI Stocks currently $16,710.63, Down $6.54, Change -0.039% Asian & European Stock Market Indexes changed 0.55% Crude Oil (WTI) Currently $102.48 - Change -0.22% Gold 1 Ounce - $1,245.90   MORTGAGE AND REAL ESTATE NEWS     Rate Resets... 06/02/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 30, 2014 8:00 AM PST  Click for Updated Lock Advice   LOCK ADVISORY 7 Day Close Mortgage Interest Rate lock or Float Advice: LOCK The price for 3.50% Mortgage Loans based on MBS is currently up 0.04 point. Gold is down $50 this week which usually indicates a flight way from the safety of bonds. Stocks are up for the week, another indicator that rates should rise.. MBS prices continue to move sideways at the top of a long term trading channel. It seems that we are pushing the rate envelope and locking is the safe bet when signals are mixed. 30 Day Close Mortgage Interest Rate Lock or Float Advice: LOCK MORTGAGE MARKET INDICATORS  FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.02% to 4.12% on May 29. MBS (3.5%) - Currently 102.87, High: 103.02, ... 05/30/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 29, 2014 7:30 AM PST  Click for Updated Lock Advice    LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The price for 4.00% Mortgage Loans based on MBS is currently down 0.06 point. Gold is down, stocks are up and rates should be rising.  Yet, they decline.  It seems that we are pushing the rate envelope and locking is the safe bet with mixed signals.  30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK   MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.02% to 4.12% on May 29.MBS (4%) - Currently 106.14, High: 106.14, Low: 105.95 DJI Stocks currently $16,631.54, Down $1.64, Change -0.01% Asian & European Stock Market Indexes changed -0.235% Crude Oil (WTI) Currently $103.03 - Change 0.3% Gold 1 Ou... 05/29/2014

MORTGAGE INTEREST RATE LOCK ADVISORY May 28, 2014 8:00 AM PST  Click for Updated Lock Advice    LOCK ADVISORY 7 Day Mortgage Interest Rate lock or Float Advice: LOCK The price for 4.00% Mortgage Loans based on MBS is currently down 0.21 point. The MBS market moved sideways for a week at the top of a long established trading channel. In my opinion the best move is to lock. 30 Day Mortgage Interest Rate Lock or Float Advice:  LOCK   MARKET INDICATORS     FHLMC Average: 30-Yr Fixed Mortgage Rate, down 0.06% to 4.14% on May 22. MBS (4%) - Currently 105.95, High: 106.01, Low: 105.72 DJI Stocks currently $16,628.81, Down $46.69, Change -0.281% Asian & European Stock Market Indexes changed 0.22% Crude Oil (WTI) Currently $103.50 - Change -0.59% Gold 1 Ounce - $1,261.56   MORTGAGE AND REAL EST... 05/28/2014