You have heard many folks state that the election is key will not insult you with this enws. This is important but we also have the GFEE whcih was passed fully through to consumers First of October and added about .50% in fee to cost of loans. This fee is passed through by agencies right to banks and therefore to consumers. This along with the long extended volume levels from refinances have Banks holding onto yields. Truly believe rates could be .375-.50% lower now in this economy without thesae factors. We will see how the markets handles Tuesdays results and many financial reports coming out this week. My guidance is if you have a transcation where you need to close to buy a home or business lock down your rate and terms. If not make sure the savings for a refinance is enough to justify resetting the loan over and any associated costs.
Remember the questions that you get me are the one's I did not ask!
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