The Course of True Love

Greetings from the Arctic Circle, Mortgage Fans. Don’t worry, before we know it the dog days of summer will be here.

Valentine’s Quote of the Day: “I don’t understand why Cupid was chosen to represent Valentine’s Day. When I think about romance, the last thing on my mind is a short, chubby toddler coming at me with a weapon.” – Author Unknown

How to avoid boredom the next time you travel. Bonus points to anyonewho can tell me who #8 is.

Interesting list of Top 50 Cereals of All-Time but couldn’t disagree morewith #1.

Wuss’up This Week: You are asking what’s up? Not a whole lot, Mortgage Fans. This week new Fed Chief Janet Yellen makes her first appearance in office which now makes her the 2nd most powerful woman on this planet (behind Wonder Woman). Every word she says can dictate how the stock market goes and how rates fluctuate. Rates can still go up and down without her help though, as this week we have a 10-year Treasury Note Auction andon Thursday the 30-year Treasury Bond Auction. When foreign economies struggle foreign investors will purchase bonds and notes, which helps rates go down. And where are rates, you ask?

30-year fixed rates remain in the low-to-mid 4s for conforming and jumbo loans. ARM rates are about a point lower. As usual rates vary based on type of home, equity in the home, credit score, and if you like Star Wars bands.

Don’t forget to remember that for any purchase or refinance loan over $240k I will waive all lender fees – a $995 savings! Please be sure to forward this email to any family, friends, coworkers, and that dude sitting next to you wearing the Axe body spray.

If we’ve worked together on your mortgage and you liked the experience, you can send me a Valentine in the form of feedback, throughthis five-minute survey. In return, you’ll be entered into a regular drawing to win a $100 Visa gift card!

Valentine’s Quote of the Day 2: “Who will be the first to make light of the fact that today’s holiday has the same acronym as Venereal Disease?” – “Weird Al” Yankovic (@alyankovic)

Timeout for Trivia: Congrats to those who guessed Chris Rock last week. Want to be entered into a drawing to win a retro ’80s candy box? Simply email me the answer to this week’s “Who Am I?” question. Good luck: “Yesterday I turned 52 and all I wanna do is just chill for a while, ‘cause I’ve had a busy life. Here are three things you should know about me: 1. I’ve never taken performance-enhancing drugs (although my ex has). 2. My favorite band is not the Counting Crows. 3. I’ve survived breast cancer and a brain tumor – two things which made me strong enough to never give up.”

We’re doing even more at the new Hey Mortgage Fans Facebook page! Stop by on Mortgage Mondays for a helpful article on the housing and lending markets, and on Fun Fridays for more time-wasting internet links!


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