New Jersey Mortgage Minute 7/29/2022
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    Mortgage Rates May Go Down, But The Rent Will Always Go Up!

    Tom 732-239-1642 Always Accessible

    NMLS 286989





    New Jersey Mortgage Minute 7/8/2022
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      Are Mortgage Rates  Applying the Brakes to Appreciation

      The two-year explosion in home prices appears to be cooling a bit. Annual appreciation was down in May for the second straight month. 

      The rise in mortgage rates over the past few months has affected home price appreciation. Black Knight's Home Price Index shows that annual appreciation decreased to 5.1% in May, from 5.9% in April. This is the second straight month of declining appreciation and a far cry from the double-digit gains we saw just a few months ago.

      Prices are still rising in most markets, but the days of rapid appreciation may be behind us.This morning's nonfarm payroll count came in at 372k versus a 286kconsensus. As a result, bonds and mortgage back securities became weaker todayTom 732-239-1642 Always Accessible

      NMLS 286989





      New Jersey Mortgage Minute 6/10/2022
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        CPI Came in hot at 8.6%

        European Central Bank Acknowledgersinflation

        Realtor.com inventory up 13 % year over year

        Will the war in Ukraine end soon

        China's Real Estate market is under extreme stress




        New Jersey Mortgage Minute 6/3/2022
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          When you purchase a home, you invest in your family's future. Homeownership is a long-term investment that can provide stability and security for you and your loved ones. It can also be a source of pride and satisfaction, knowing that you have provided a place for your family to call home.

          This morning, we have a merely modest beat in the jobs data, and actual, to form, bonds are taking it much more seriously than recent precedent suggests.  Headline payrolls came in at 390k vs. 325k. It’s about 10:30, and it looks like mortgage bonds are reversing course and improving a bit.

          Let’s see what your price range is. Call now. No obligation.

          Tom 732-239-1642

          NMLS 286989



           




          New Jersey Mortgage Minute 5/20/2022
          New Jersey Mortgages This Week

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            As mortgage rates continue to rise, many homebuyers are looking for ways to save on their monthly payments. One option is to buy down the rate with discount points. 

            Discount points involve paying a one-time closing fee in exchange for a lower interest rate. 

             An adjustable-rate mortgage (ARM) with a lower starting rate could be an alternative. 

            This type of loan typically has a lower interest rate for the first five years, after which the rate can change annually. 

             These options can help homebuyers save money on their monthly mortgage payments.

             Tom 732-239-1642

            NMLS 286989


             




            New Jersey Mortgage Minute 5/6/2022
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              The latest jobs report came in as expected, but that didn't stop traders from selling bonds anyway. I think they were selling regardless of the news, yields rose, and prices fell as traders continued to bet against the bond market.

               According to the Mortgage Bankers Association, mortgage applications in April were down 11% from the same time last year. This is partly due to the rise in interest rates and the decrease in overall home-buying activity.

               Rising prices are putting a strain on the average consumer's budget. Prices for everyday items like food and gas have been rising, taking a toll on households. Due to increasing costs, the average consumer is now paying an additional $500 a month, or $6,000 a year, putting a strain on many families struggling to keep up with the increased costs.

               Tom 732-239-1642

               




              New Jersey Mortgage Minute 4/22/2022
              New Jersey Mortgages This Week

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                The more significant concern for mortgage rates is the soon-to-be-announced "normalization" of the Fed's balance sheet.  That's a fancy way of saying they'll be buying fewer mortgage-backed bonds and Treasuries.

                Get a no-obligation verified pre-approval or free mortgage consultation.

                Purchase or Refinance terms from 8-30 years and save thousands.

                Tom 732-239-1642 Always accessible. 

                NMLS286989

                https://newjerseymortgageservices.com/verified-pre-approval

                https://business.google.com/dashboard/l/15829274015601074108

                #mortgagebroker #mortgage #realestate #refinancemortgage #preapprove


                New Jersey Mortgage Minute 4/8/2022
                New Jersey Mortgages This Week

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                  You can't spend too much time reading/watching the news recently without being aware of the relatively unprecedented surge in mortgage rates in 2022.

                  The purchase market is staying resilient even with the spike in rates.

                  Get a no-obligation verified pre-approval or free mortgage consultation.

                  Purchase or Refinance terms from 8-30 years and save thousands.

                  Tom 732-239-1642 Always accessible. 

                  NMLS286989

                  https://newjerseymortgageservices.com/verified-pre-approval

                  https://business.google.com/dashboard/l/15829274015601074108

                  NMLS 286989

                  New Jersey Mortgage Minute 3/18/2022
                  New Jersey Mortgages This Week

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                    This week, mortgage rates were spiking upwards, climbing to new highs. However, after the fed raised funds' rate, a 1/4 point mortgage market flattened out. So we are in for a few more Fed increases in 2022. Let's hope for the best. Watch the video above.

                    Call for Tom now at 732-239-1642 

                    NMLS 286989



                    New Jersey Mortgage Minute 2/18/2022
                    New Jersey Mortgages This Week

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                      Bet you don't know what today's holiday is.

                      Mortgage Updates:

                      January's existing-home sales increased 6.7% from December to an annual rate of 6.50 million, well above the consensus of 6.10 million. 

                      However, existing-home sales still were 2% lower than a year ago.

                      Good time to reduce debt with a cash-out refinance. Rates are still great for home buyers. 

                      Call for Tom now at 732-239-1642 

                      NMLS 286989



                      New Jersey Mortgage Minute 2/11/2022
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                        If you missed the Pizza National holiday this week, today, 2/11/22, is unofficially make a new friend day. So make a friend with someone you don't know.

                        Inflation has been on the rise for the past year, the Fed calling it transitory. Yesterday CPI numbers came in at 7.5 %, a 40-year high. 

                        The main drivers of inflation are food and energy prices and used cars increasing Rapidly.

                        What does this mean to Real Estate? Watch the video.

                        Purchase or Refinance terms from 8-30 years and save thousands.

                        No escrows to 95 % LTV.

                        Tom 732-239-1642 Always accessible. NMLS286989

                        https://newjerseymortgageservices.com/verified-pre-approval

                        https://business.google.com/dashboard/l/15829274015601074108

                        #mortgagebroker #mortgage #realestate #refinancemortgage #preapprove


                        New Jersey Mortgage Minute 1/21/2022
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                          New Jersey Mortgage Minute 1/14/2022
                          What's Happening With Rates

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                            New Jersey Mortgage Minute 1/5/2022
                            Mortgage Creeping UP

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                              New Jersey Mortgage Minute 12/17/2021
                              Confused:Trying to figure out what the mortgage rates will do next?

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                                New Jersey Mortgage Minute 4/9/2021

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                                  New Jersey Mortgage Minute 4/16/2021

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                                    New Jersey Mortgage Minute 4/23/2021

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                                      New Jersey Mortgage Minute 4/30/2021

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                                        New Jersey Mortgage Minute 5/7/2021

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                                          New Jersey Mortgage Minute 5/14/2021

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                                            New Jersey Mortgage Minute 5/21/2021

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                                              New Jersey Mortgage Minute 6/4/2021

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                                                New Jersey Mortgage Minute 6/11/2021

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                                                  New Jersey Mortgage Minute 6/18/2021

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                                                    New Jersey Mortgage Minute 6/25/2021

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                                                      New Jersey Mortgage Minute 7/2/2021

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                                                        New Jersey Mortgage Minute 7/9/2021

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                                                          New Jersey Mortgage Minute 7/30/2021

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                                                            New Jersey Mortgage Minute 8/6/2021

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                                                              New Jersey Mortgage Minute 8/13/2021

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                                                                New Jersey Mortgage Minute 8/20/2021

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                                                                  New Jersey Mortgage Minute 8/27/2021

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                                                                    New Jersey Mortgage Minute 9/17/2021

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                                                                      New Jersey Mortgage Minute 9/24/2021

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                                                                        New Jersey Mortgage Minute10/22/2021

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                                                                          New Jersey Mortgage Minute10/29/2021

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                                                                            New Jersey Mortgage Minute 11/5/2021

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                                                                              New Jersey Mortgage Minute 11/12/2021

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                                                                                New Jersey Mortgage Minute 11/30/2021

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                                                                                  New Jersey Mortgage Minute 12/8/2021

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                                                                                    About Us

                                                                                    Tom Altieri President and Owner has been helping home buyers and owner  purchase and refincace for 36 + years.

                                                                                    Company NMLS: 273170

                                                                                    Contact Us

                                                                                    30 Main Street
                                                                                    Toms River, NJ 08753
                                                                                    800-789-9293 
                                                                                    njmortgagemail@gmail.com

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