Understanding Mortgage Rate Movements

Whether you’re a first time home buyer or looking to take advantage of the different refinancing programs being offered today, mortgage rates are the single most important factor in determining a home purchase. Mortgage rates continue to hover over the 5 percent mark and have us wondering what are the factors affecting housing rates. With the housing market flushed with bargain properties these times could provide the best opportunity for buying a new home.

Below is the list of three simple factors which directly affect rate movements.

Housing Market

This is the single most active factor that affects mortgage rates. The housing market of today is marked by numerous foreclosures which have helped drive home prices down and spur growing numbers of bargain properties. With numerous government programs aimed at spiking renewed interest in new home buying and directed to stop foreclosures, analyst remain upbeat about the future of real estate.

A simple understanding of what factors drive interest rates could go a long way in determining the best time of buying a new home. The rule of supply and demand states that when supply outpaces its demands, the price of a commodity drops down. Recent economic difficulties like growing foreclosures have seen an increase of available homes in the market. Making selling a home more difficult and leaving real estate companies with huge inventories of unsold and overpriced homes.

Real estate companies and mortgage services have offered lowered housing rates to address this concern. This together with bargain properties brought about by the increasing numbers of foreclosures has helped bring mortgage rates down.

Analysis:

Positive news regarding the surge of new home sales and an improving economy has seen mortgage rates stable at 5 percent figures. April saw record lows for mortgage with figures posted at high 4 percent levels. Gradually improving home market reports may result in future mortgage rate spikes.

The Secondary Market

Mortgage loan and services are usually channeled through banks. What homeowners don’t see is that their mortgages are passed to larger mortgage services like Fannie Mae or Freddie Mac. Mortgage Bank Securities invest heavily in the home market and increase or decrease rates accordingly. With the onset of massive losses brought about by foreclosures and declining home values which have produced a great number of bargain properties Mortgage Bank Securities have lowered mortgage rates. Mortgage Bank Securities are also listed in the market and adjust their mortgage rates to increase investor interest or protect themselves from risks.

Analysis

With help from the federal government, Mortgage Bank Securities have been able to stabilize their portfolios of bad loans. Government efforts to stop foreclosure have assisted Mortgage Bank Securities recover and offer better mortgage rates.

Investor Market

Mortgage Bank Securities compete with other traditional stocks for investment. Mortgage Bank Securities historically have offered investors a good return for their investments. During the housing boom, real estate companies relied heavily on private and banking investments to fuel constructions.

When other stock options in the NASDAQ or DOW Jones they create competition for Mortgage Bank Securities and Real Estate companies. Investors may take up other stocks such as commodities (oil or gold) as an alternative to these stocks.

Analysis

Mortgage Bank Securities are finding stiff competition from other stock options. With the economy finally picking up investors are shifting from risky MBS and cashing in on recent gains from Wall Street. This has forced some Mortgage Bank Securities to inch up mortgage rates to lure investors back.

The Elusive Mortgage Rate Formula – Demystified Right Here!

The factors that increase and decrease mortgage rates are extremely complex, and lead many people to make assumptions about them that are not true. As someone who works with many mortgage brokers and has done a lot of in-depth research on this topic, I am shocked to hear the many wild theories about what affects mortgage rates. Even some mortgage brokers make incorrect assumptions.

Below, I will first explain how mortgage rates are actually determined, and debunk the myth that they are set directly by the Federal Reserve.

Mortgage interest rates are based on one thing: the mortgage backed securities market. This market is controlled by banks and mortgage lenders. These entities bundle their mortgage loans together and sell them as investments called mortgage backed securities (MBS). These MBS are then traded as bonds by investors, and the price of these bonds has an inverse relationship with mortgage rates. That is, the higher the price of mortgage backed securities, the lower mortgage rates go.

The volume of trade in these MBS is the only true factor that influences mortgage rates. Like all other bonds prices, mortgage backed security trading volume moves based on news about the economy, trading, and any other factors that make investors more or less confident about their long-term financial prospects in America.

This brings us to the first myth about rates-that they are set by the Federal Reserve. This is simply not true. The Federal Reserve has a minor impact on mortgage interest rates that is neither direct nor immediate. The fed can sometimes indirectly affect mortgage rates by announcing changes to interest rates. Interest rate changes affect home equity loan rates, credit card interest rates, money market account activity, and activity on certificates of deposit. In particular, when the fed reduces interest rates, investors sell money markets and CDs to free up cash for into stocks and bonds. In turn, when people buy more bonds, bond prices rise. Remember, mortgage backed securities are just another type of bond. The more MBS investors buy, the higher the price on the bonds rises. This in turn lowers rates. 

The rules above apply particularly to long-term mortgage interest rates, such as 30 year fixed rates. Short term mortgages, such as 5 year ARMs and 7 year ARMs, are affected by different factors and do not necessarily follow the same rules.

Some Information Regarding Home Loans

It does not matter what type of property somebody is looking to buy (house, condo, flat or a building for a business) they are probably going to be wanting some information regarding home loans as they shop around. Most banks are not shy about what they have to offer when it comes to mortgages because mortgages make up most of their business. Some types of mortgages might fit some kinds of property better than others.

The house is the most commonly sold type of property for people that take out mortgages. A lot of people feel that if they are to be paying on a property for a number of decades that they would like it to be a property that is not a smaller part of a larger unit. People need to pay careful attention to tightly built gated communities as many of these might not offer much more privacy than an apartment or condo building.

Businesses take out mortgages just like homeowners do because company’s need to own buildings to run their daily operations out of. Many banks are quicker to approve a company with a steady statement of cash flows than they are a consumer. Sometimes companies need these buildings for their office operations and sometimes they need them to serve as retail locations that consumers actually visit.

Some people simply prefer living in a condo or apartment unit because they consider such an arrangement to fit their long term needs better than an actual house might. A lot of people do not like living in such a unit while paying rent because at the end of the lease they own nothing. If a person uses a mortgage to buy such a unit then they actually will own something at the end of their contract.

Some mortgages have a fixed rate or interest, and a fixed interest rate never adjusts according to what the market dictates. People with a fixed payment pay more at first, but as the homeowner pays down the principle more of their payment will progressively go toward paying off the principle. The type of aforementioned plan can only be secured with an interest rate that is fixed.

Some people pay far less money down on their mortgage because they choose a loan with a rate of interest that is adjustable. There are many cases in which an adjustable rate of interest is safe because the market will be in sound condition for the next couple of decades. There are also those cases in which the market rate skyrockets and people can no longer afford to pay their house bill.

There are certain ways in which all prospective homeowners can be certain that they lock in on better mortgage interest rates despite what type of interest schedule their mortgage is on. Prospective homeowners need to have an acceptable credit rating to look promising to bank lenders. Prospective homeowners also need to have a reasonably large down payment to apply toward the principle.

The various types of mortgage loans, or home loans, can be used to purchase a wide selection of properties. People that are shopping for a business building are likely going to desire a fixed interest rate so that they can easily keep up with their accounting ledger. Some businesses might start with other types of mortgages and then refinance according to their company’s needs.

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