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	Mortgage News Daily MBS RECAP: 1/27/2012 - 6 hours ago Posted To: MBS CommentaryMBS Live : MBS RECAP Open MBS Live Dashboard FNMA 3.5 103-22 : +0-06 FNMA 4.0 105-19 : +0-04 FNMA 4.5 106-25 : +0-01 FNMA 5.0 107-30 : -0-02 GNMA 3.5 105-03 : +0-04 GNMA 4.0 107-23 : +0-02 GNMA 4.5 109-07 : -0-02 GNMA 5.0 110-24 : -0-08 FHLMC 3.5 103-16 : +0-06 FHLMC 4.0 105-11 : +0-03 FHLMC 4.5 106-08 : +0-00 FHLMC 5.0 107-14 : -0-02 Pricing as of 4:03 PM EST Afternoon Market Updates A recap of MBS Market Updates provided by MND Analysts and streamed live to the MBS Live Dashboard . 2:28PM : ALERT: MBS Hit Day's Highs, Underperforming TSYs in Low Volume The day, and week for that matter, are effectively over. The little volume that's left is exerting a greater degree of influence over the price action than it otherwise might. With little to trade on, and little reason to oppose the...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Mortgage Rates Improve For a 3rd Straight Day, Nearing All-Time Lows Again - 8 hours ago Posted To: Mortgage Rate WatchMortgages Rates continued their march into better territory today, capping a 3 day effort of improvement following Wednesday's FOMC Announcement. At this point, rates have not only solidified their re-entry into 3.875% Best-Execution levels, but some lenders are once again competitively priced at rates below that (for detail on "best-execution," READ THIS POST ). That said, we've seen a high degree of stratification over the past 3 days as lenders have responded to the bond market rally at different paces. When we say that rate offerings are more stratified, we're talking about various lenders offering increasingly different rates to the same type of borrowers. At a good handful of lenders in our survey, best-execution rates are still at 4.0%, while the bulk have moved down to 3.875%. But a...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. AG Holder Announces Structure of MBS Fraud Unit - 9 hours ago Posted To: MND NewsWireThe formation of the Residential Mortgage-Backed Securities Working Group tasked with investigating mortgage fraud is now official. The new office, which will be part of the Administrations Financial Fraud Enforcement Task Force (FFETF) was first announced by President Obama in his State of the Union speech on Tuesday. At a press conference this morning (video below), Attorney General Eric Holder along with Housing and Urban Development (HUD) Secretary Shaun Donovan, Securities and Exchange Commission (SEC) Director of Enforcement Robert Khuzami and New York Attorney General Eric T. Schneiderman, Holder outlined the mechanics of the working group which will bring together the Department of Justice (DOJ), several state attorneys general and other federal entities to investigate those responsible...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. MBS End Week Near All Time Highs, But Benchmark Rally Momentum is Slowing - 9 hours ago Posted To: MBS CommentaryThe trading day is rapidly growing uneventful and charts suggest that quite a few market participants already have one or more feet out the door for the weekend. The only real pop of volume and volatility was seen around this morning's GDP report, which was generally a mild boon to bond markets. Consumer Sentiment was close enough to consensus as to have been a non-event and everything since then has been even less so. Trading ranges are narrowing... Stocks and Bonds are following each other to a greater extent... and Volumes are rapidly dwindling... Unless something unexpected happens to cause a surge in volume and volatility, game over... bond markets win. Not only is the pivot point seen in the video a ceiling from yesterday, but it was a major ceiling from the day before, after the FOMC...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. MBS MID-DAY: 1/27/2012 - 11 hours ago Posted To: MBS CommentaryMBS Live : MBS MID-DAY Open MBS Live Dashboard FNMA 3.5 103-18 : +0-02 FNMA 4.0 105-17 : +0-02 FNMA 4.5 106-25 : +0-00 FNMA 5.0 108-01 : +0-01 GNMA 3.5 104-31 : +0-01 GNMA 4.0 107-21 : +0-00 GNMA 4.5 109-06 : -0-03 GNMA 5.0 110-30 : -0-02 FHLMC 3.5 103-12 : +0-02 FHLMC 4.0 105-09 : +0-02 FHLMC 4.5 106-09 : +0-01 FHLMC 5.0 107-17 : +0-01 Pricing as of 11:04 AM EST Morning Market Updates A recap of MBS Market Updates provided by MND Analysts and streamed live to the MBS Live Dashboard . 10:15AM : Fed's Dovish Dudley Says Recovery to Slow in 2012 RTRS ? Fed?s Dudley says much work remains to achieve Fed's dual mandate of employment, price stability RTRS - monetary policy will continue to do its part to support recovery RTRS - action on housing, fiscal policy also needed for recovery RTRS...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. LPS: Mortgage Originations Among Highest Quality Ever in 2010-2011 - 11 hours ago Posted To: MND NewsWireThe Lender Processing Services (LPS) Mortgage Monitor Report for December show improvement in a number of the metrics it tracks. Many measures of delinquency rates are down, inventories are clearing in some states, and recent loan originations are "among the best quality on record." The overall delinquency rate did not change from November, remaining at 8.15 percent but is down 7.7 percent since December 2010. Seriously delinquent loans, those 90 or more days overdue or in foreclosure decreased 0.6 percent to 7.67 percent, a -5.9 percent change from one year earlier. The foreclosure rate which was 4.16 percent in November fell to 4.11 percent in December and is down 1.0 percent year-over-year. Foreclosure starts showed the most dramatic change. There were 159,092 starts in December compared...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.