Fri, Feb 13 - 10:11 AM ET Consumer Sentiment slightly lower at 56.2 vs exstimates of 60.2. MBS trading near session lows. Stocks near unchanged. 8:40 AM ET - Year-to-date the Fed purchases nearly $115B in MBS as reported yesterday. MBS flat, while Stock Futures slightly lower. Oil at $34.72/barrel up 75 cents.   ALERT TO LOCK!! 02/13/2009

Assembly Title is in Hainesport NJ on Route 38 and wants to help your Business Grow We are located at 1441 Route 38 West, Hainesport NJ 08036. Our phone is 609-267-2000 and our fax is 609-265-3880. The best email address to use is AssemblyTitle@AssemblyTitle.com This email address is received by everyone in our Processing and Operations Departments to ensure that all needs are met and nothing falls through any cracks. We will be launching a new website shortly that will allow you to have an immediate Title Quote for insurance, as well as a launch to our Flat Fee Structure and Customer Appreciation Program. Also, be on the look out for the Premier of our Program Release of Best Practices on how to create and most importantly CONVERT your leads into CLOSINGS. You will be shocked on how ma... 02/12/2009

  Current Trend Direction: Sideways  Risks favor: Locking  Current Price of FNMA 4.5% Bond: $101.19, +9bp Retail Sales unexpectedly increased in January for the first time in 7 months coming in at 1.0% versus estimates of -0.8%.  When stripping out auto sales, the number came in at 0.9%, also beating expectations of -0.4%.  Mortgage Bonds brushed off the better than expected news and are trading near the unchanged mark so far this morning, thanks to a weaker Stock market.  The number of Initial Jobless Claims in the week ending Feb. 7 fell 8,000 to 623,000, slightly better than expectations, but a level that is 84% higher than the same period in the prior year.  For the week ending Jan. 31, the number of Americans receiving state jobless benefits rose 11,000 to a record 4.81 million.  T... 02/12/2009

Thu, Feb 12 - 5:00 PM ET Market Wrap: Our benchmark 4.5% FNMA bond was pushed up and down within a 41bp range on mixed economic, bond auction, and mortgage related news. The bond ended the wild session 19bp lower at $100.91. Retail Sales surprised to the upside snapping a six month losing string by rising +1.0% in January, their largest gain since November 2007. The unexpected gain in Retail Sales easily exceeded the consensus estimate of -0.3%. Weekly Jobless Claims showed the labor market remains perilously weak with 623,000 new claims vs. a consensus forecast of 610,000. The four-week moving average increased by 24,000 to 607,500 claims, the highest level in more than 26 years. The four-week moving average for continuing claims hit a new all-time record, increasing by 73,750 to reach... 02/12/2009

Assembly Title, LLC is a breath of "Fresh-Air" in the title business. There are many reasons why I am proud to have joined Assembly Title, LLC. One of them is that we make sure that your clients are treated in the highest regard. We strive to make sure that they are constantly reminded that you are the reason why this transaction is happening, and we are here, as agents, to ensure an outstanding experience with a timely closing. Another reason is that the owner, Ted Costa, has owned a title company since 1986. With him as a highly experienced Attorney, we can help you and all of your clients by leveraging his skills, experiences, and expertise in whatever way necessary to get your deal closed. Just one more reason is that I am able to directly control the entire Marketing and Sales Depa... 02/12/2009

Dear Valued Friends and Clients,    While the mortgage market continues to generate a lot of chatter in both the media and in Washington, interest rates are currently near or at an all-time low. If you or anyone you know are looking to take advantage of these low rates, let me explain why now is the time to act. Lately there has been talk about the 4.5% 30-year fixed rate mortgage. Will it become a reality though? Right now, no one really knows. Homeowners who could benefit from a lower interest rate need to know that even if 4.5% becomes a reality from Washington's actions, it would only be available to home buyers, not homeowners seeking to better their rate. If you need to refinance, you will be left out. You also may have heard about Hope for Homeowners, which is a program approved ... 01/14/2009

December 15, 2008    MORTGAGEE LETTER 2008-40          TO:                 ALL APPROVED MORTGAGEES       SUBJECT:            Refinance Transactions:  New Maximum Mortgage Calculation     The Housing and Economic Recovery Act of 2008 revised the National Housing Act to:   Eliminate the variable loan-to-value (LTV) limits that were based on the combination of the property value and the average closing costs of the State where the property is located and Limit the total FHA-insured first mortgage to 100 percent of the appraised value, and permit the inclusion of the upfront mortgage insurance premium (UFMIP) within that limit.   For simplicity purposes, and to eliminate any confusion in the marketplace, effective for case numbers assigned on or after January 1, 2009 the maximum LTV for mos... 12/26/2008

Fri, Dec 19 - 10:35 AM ET President Bush announces a $13.4B loan to GM and Chrysler. Stocks higher after the news. MBS taking a breather after a sharp eun higher in recent weeks. 8:35 AM ET - MBS slightly lower this morning with no economic data due for release. Quadruple witching occurs in the equity markets today so volatility should be rampant. Oil at $34.94. 12/19/2008

    Current Trend Direction: Sideways  Risks favor: Carefully Floating Current Price of FNMA 4.5% Bond: $101.44, -38bp  Surprise, surprise...volatility will once again be the key word on Wall Street today, as "quadruple witching" day occurs in the Stock markets.  Quadruple witching, which happens four times a year, is the simultaneous expiration of market index futures, market index options, stock options, and stock futures.  As Traders rush to unwind positions, Stock prices have the potential to bounce around rather sharply.  This volatility has already extended to Mortgage Bonds, as Bond prices have also been jostled around quite a bit in the first hours of trading.  It should be noted that on the Monday following a quadruple witching, securities prices often times move in the opposit... 12/19/2008

Wed, Dec 17 - 5:00 PM ET Market Wrap: Our benchmark FNMA 4.5% bond fell 28bp to close at $101.66 while trading within an expanded 137bp intra-day range. The bond showed early upward momentum following yesterday's huge rally but fell to profit taking later in the session as volatility picked up. Mortgage bonds have a history of spiking higher on significant Fed rate cuts only to temporarily sell off in the days that follow. The financial markets spent most of the day pondering future outcomes of the Fed's latest monetary policy. Commercial banks responded by immediately dropping their prime lending rate by 75bp to 3.25%, the lowest rate in over 50 years. This will help millions of business and consumer borrowers. The Fed has also offered to lend up to $200 billion to support securities b... 12/17/2008

Wed, Dec 10 - 3:45 PM ET MBS stage a huge rally. Alert To Float. The 5% now near best levels in 3 years. 2:04 PM ET - US posts record November deficit of $164.4 billion. 2:00 PM ET - Conflicting news or uncertainty surrounding the auto bail out sends stock prices into the red. MBS near session highs. US court approves Tribune bankruptcy financing. 1:10 PM ET - Oil moves higher now at $45.17/barrel up $3.13. 11:20 AM ET - A plan to bail out the auto makers has made substantial progress. Stocks higher as are MBS. Oil falls from a daily high of $45/barrel to the current $43. 10:15 AM ET - MBS move into the black and put together a formidable rally - the 5% moves higher by 50bp from its low. Stocks higher led by the energy sector and the possible auto bailout. 8:48 AM ET - Shares of energy ... 12/10/2008

          Current Trend Direction: Sideways Risks favor: Carefully Floating Current Price of FNMA 5.0% Bond: $100.81 -9bp  In light of the recent price improvement in Mortgage Bonds, we have now switched our focus to the FNMA 30-year 5% Bond.  This change is reflected on the Bond Page and text messaging. There are no economic reports due for release today.  The ongoing disconnect between the 10-Year Note and Mortgage Bonds continues and can be seen clearly on the Bond Page.  There is a large $28B 3-year Note auction this afternoon, which could pressure the Bond market due to added supply. Stocks are rising today on word that Congress will approve a $15B bailout to keep the Detroit 3 auto makers from seeking bankruptcy protection.  However, there is speculation that a so-called "car czar... 12/10/2008

Fri, Dec 05 - 1:23 PM ET MBS fall to near their worst levels of the day. Alert To Lock! 11:13 AM ET - Stocks fall after the weak jobs data - the Dow down 200 points. Oil continues to drop like a rock, now under $42. MBS slightly lower and look to be taking a breather after the huge rally that has recently occurred. 9:30 AM ET - MBS unchanged despite the weak data. Stocks open lower. Oil falls below $43/barrel. 8:36 AM ET - Non-farm payrolls fall by a whopping 533,000. It's only the fourth time in the past 58 years that payrolls have fallen by more than 500,000 in a month. 8:12 AM ET - Oil near unchanged at $43.50/barrel. 8:02 AM ET - Tick, Tick, Tick... Jobs report at 8:30am ET. 10 Yr T Note flat. MBS not yet open. Stock futures slightly lower. 12/05/2008

Fri, Dec 05 - 1:23 PM ET MBS fall to near their worst levels of the day. Alert To Lock! 11:13 AM ET - Stocks fall after the weak jobs data - the Dow down 200 points. Oil continues to drop like a rock, now under $42. MBS slightly lower and look to be taking a breather after the huge rally that has recently occurred. 9:30 AM ET - MBS unchanged despite the weak data. Stocks open lower. Oil falls below $43/barrel. 8:36 AM ET - Non-farm payrolls fall by a whopping 533,000. It's only the fourth time in the past 58 years that payrolls have fallen by more than 500,000 in a month. 8:12 AM ET - Oil near unchanged at $43.50/barrel. 8:02 AM ET - Tick, Tick, Tick... Jobs report at 8:30am ET. 10 Yr T Note flat. MBS not yet open. Stock futures slightly lower. 12/05/2008

The township of Medford will celebrate it's 19th annual Dickens Festival, Saturday, Dec. 6th. LOCATION:  MAIN STREET (ROUTE 541) MEDFORD, NJ EVENT DATE:  SATURDAY DECEMBER 6, 2008, 6:00 PM - 9:30 PMRAIN DATE:  SUNDAY DECEMBER 7, 2008, 3:00 PM - 6:30 PMSponsored by the Historic Medford Village Association, it's the official Medford start to the Holiday season! Kicking off the festival will be a tree lighting ceremony in the Main Street Gazebo at 18 North Main Street at 6:15 p.m. with events taking place continously throughout the evening.Area residents and visitors are encouraged to stroll through Medford's historic village and into the past to experience an 18th Century Dickens' Village lined with dimly lit lampposts, quaint shops trimmed with twinkling lights and dressed for the holida... 12/04/2008

In conjunction with the celebration by the Township of Medford of it's 19th annual Dickens Festival, Saturday, Dec. 6th, there will be Gingerbread House contest.  All gingerbread houses that will be submitted for judging must be brought to the judging stations (Genie House at 56 North Main Street, Medford, between 9 a.m. and 5:30 p.m. on Friday, December 5th.All entries must be made available for display during the Dickens Festival (and then removed by Tuesday, December 9th before 5 p.m.)Houses must be attached to a 12 inch by 16 inch base (or smaller) and made of edible materials.Entries will be judged on originality, overall appearance, choice of materials and difficulty of design.Click here for more details about festival and contest.   Copyright 2008 by Lawrence Yerkes. All Rights R... 12/04/2008

John Swartz | Re/Max All Pros | 856-308-2698 3 Taunton Rd, Medford, NJ Beatuiful Lakefront Medford NJ Home 4BR/3.5BA Single Family House offered at $589,900 Year Built Unspecified Sq Footage Unspecified Bedrooms 4 Bathrooms 3 full, 1 partial Floors 2 Parking 4+ Car garage Lot Size 23,522 sqft HOA/Maint $0 per month DESCRIPTION Make your wonderful family memories here!This Gorgeous Lakefront colonial is perefctly located in one of south Jerseys most sought after communities.The entire home has been totally renovated from top to bottom and screams pride of ownership.Features inc a spacious family room w/slider & lg bay window w/lovely lake view,stone firplace(gas)that faces the formal dining room w/custom built ins.A Lg kitchen with Lake view,wood cabinets,butler's pantry and ceramic til... 12/03/2008

Gas prices have now dropped 77 consecutive days to bring the average price for a regular gallon of gas across the US to $1.82. 8:49 AM ET - GE says it plans to maintain dividend in 2009. 8:27 AM ET - Futures show stocks mounting a comeback after yesterday's carnage as the S&P 500 lost nearly 9%, a drop that used to take years to occur. The Dow lost 7.7% wiping out last weeks gains. Mortgage Bonds down after the roller coaster ride yesterday. Oil better by 25 cents at $49.50/barrel. GE expects 4th quarter earnings at the low end. 12/02/2008

Mon, Dec 01 - 1:06 PM ET The National Bureau of Economic Research said today the US entered into a recesion in December of 2007. The Dow off 450 points. MBS still in positive territory.12:38 PM ET - New data shows 10 Yr T Note yield the lowest since 1955. 11:47 AM ET - The Dow falls 400 points halting a 5 day advance. Concerns regarding the global economic slump is deepening and consumers access to credit shrinks. The fall was exasperated by a weak manufacturing report released today. Oil falls below $50/barrel at $49.75. 12/01/2008

Current Price of FNMA 6% Bond: $101.88, +3bp After rocketing higher last week, Stocks are under selling pressure and this has helped Mortgage Bonds modestly improve.  The Institute of Supply Management will be reported at 10am.  The market may not have much reaction to this release - but stay tuned. At 1:45pm ET today, Federal Reserve Chairman Ben Bernanke is speaking on the economic outlook at a Dallas Fed conference, Treasury Secretary Henry Paulson is due to give an update on the US economy and our good friend Richard "Loose Lips" Fisher is also scheduled to talk.  Mr. Bernanke's speech could be very interesting as he has a chance to hint about further rate cuts - especially with the next Fed Meeting on December 16th.  There are rumors swirling the Fed will take the Fed Funds Rate d... 12/01/2008