Rochester Mortgage Rates Remain Stable

We've seen no changes in the Rochester area mortgage rates. Hopefully that means no more increases and maybe some reductions in Rochester Mortgage Rates. The current Rochester Mortgage Rates are:

30 year - 0.0 points - 5.75%
30 year - 1.75 points - 5.25%

25 year - 0.0 points - 5.75%
25 year - 1.75 points - 5.25%

20 year - 0.0 points - 5.75%
20 year - 1.125 points - 5.375%

15 year - 0.0 points - 5.0%
15 year - 1.5 points - 4.625%

10 year - 0.0 points - 4.75%
10 year - 1.5 points - 4.375%

Even though the mortgage rates are a little higher than they've been in the last few months they are still extremely low compared to historical averages. It is still a great time to purchase a home, especially when you consider the $8,000 First Time Home Buyer Tax Credit. Homes in Rochester are very affordable. There is very little reason to continue renting.

Rochester Mortgage Rates on 06/22/2009

The current mortgage rates in the Rochester, NY area are:

30 year - 0.0 points - 5.75%
30 year - 1.75 points - 5.25%

25 year - 0.0 points - 5.75%
25 year - 1.75 points - 5.25%

20 year - 0.0 points - 5.75%
20 year - 1.125 points - 5.375%

15 year - 0.0 points - 5.0%
15 year - 1.5 points - 4.625%

10 year - 0.0 points - 4.75%
10 year - 1.5 points - 4.375%

Rochester Red Wings and Father's Day

This is the 4th year in a row that we've gone to Frontier Field to watch the Rochester Red Wings play on Father's day. It's quickly becoming a family tradition.

Because the weather here has been awful and last nights game was rained out we got the treat of a double header. I never knew it, but when they play a double header they only play 7 innings in each game. It was a little weird doing the seventh inning stretch in the 5th inning.

Red Osier sandwiches, Scotch Ale, peanuts and baseball. What could be more American?

Rochester Mortgage Rates: 6/19/2009 - Afternoon Updates

I just love it when the Mortgage Rates in Rochester change in the middle of the day. (Smell that? That's sarcasm). The rates are now:

30 year - 0.0 points - 5.875%
30 year - 1.75 points - 5.375%

25 year - 0.0 points - 5.875%
25 year - 1.75 points - 5.375%

20 year - 0.0 points - 5.875%
20 year - 1.125 points - 5.5%

15 year - 0.0 points - 5.125%
15 year - 1.375 points - 4.75%

10 year - 0.0 points - 4.875%
10 year - 1.375 points - 4.5%

Mortgage Rates in Rochester 6/19/2009

Today's mortgage rates in Rochester, NY are:

30 year - 0.0 points - 5.875%
30 year - 2.125 points - 5.25%

25 year - 0.0 points - 5.875%
25 year - 2.125 points - 5.25%

20 year - 0.0 points - 5.875%
20 year - 1.625 points - 5.5%

15 year - 0.0 points - 5.25%
15 year - 1.125 points - 4.875%

10 year - 0.0 points - 5.0%
10 year - 1.125 points - 4.625%

The Mortgage Backed Securities Market is already moving around a bit. I expect to see some changes in Rochester Mortgage Rates by the end of the day.

Rochester Mortgage Rates: Afternoon Update

The markets are back to being goofy. The current Rochester Mortgage Rates are:

30 year - 0.0 points - 5.875%
30 year - 1.625 points - 5.375%

25 year - 0.0 points - 5.875%
25 year - 1.625 points - 5.375%

20 year - 0.0 points - 5.875%
20 year - 1.125 points - 5.5%

15 year - 0.0 points - 5.25%
15 year - 1.0 points - 4.875%

10 year - 0.0 points - 5.0%
10 year - 1.0 points - 4.625%

Today's Mortgage Rates in Rochester, NY

The current Rochester Mortgage Rates are as follows:

30 year - 0.0 points - 5.75%
30 year - 1.875 points - 5.25%

25 year - 0.0 points - 5.75%
25 year - 1.875 points - 5.25%

20 year - 0.0 points - 5.75%
20 year - 1.25 points - 5.375%

15 year - 0.0 points - 5.125%
15 year - 1.125 points - 4.75%

10 year - 0.0 points - 4.875%
10 year - 1.125 points - 4.5%

Mortgage Rates in Rochester, NY

Rochester Mortgage Rates at the moment are as follows:

30 year - 0.0 points - 5.625%
30 year - 1.625 points - 5.125%

25 year - 0.0 points - 5.625%
25 year - 1.625 points - 5.125%

20 year - 0.0 points - 5.625%
20 year - 1.125 points - 5.255%

15 year - 0.0 points - 5.0%
15 year - 1.25 points - 4.625%

10 year - 0.0 points - 4.75%
10 year - 1.25 points - 4.375%

Rochester Mortgage Rates Still Falling

Rochester Mortgage Rates are continuing their downward trend after reaching their highest levels since 2008. Today's mortgage rates are:

30 year - 0.0 points - 5.75%
30 year - 1.875 points - 5.25%

25 year - 0.0 points - 5.75%
25 year - 1.875 points - 5.25%

20 year - 0.0 points - 5.75%
20 year - 1.25 points - 5.375%

15 year - 0.0 points - 5.125%
15 year - 1.375 points - 4.75%

10 year - 0.0 points - 4.875%
10 year - 1.375 points - 4.5%

Hopefully this downward trend will continue. I believe that the 30 year with no points should be in the 5.5% range within a few weeks. Let's see what happens with Rochester Mortgage Rates.

Tonight's Baseball Game

Tonight a team from Fairport drove out to play against my son's little league baseball" team. Unfortunately their team only had 8 people show up to play and had to forfeit.

Since there was a bunch of kids, a baseball field and equipment the coaches decided to split the kids up and play baseball anyway. My husband acted as umpire.

I don't know why, but all the kids played better than they have all season long. Maybe they were looser and more comfortable because it didn't count? Maybe they were jsut concerned with having fun? I don't know, but the kids looked good. Hopefully we can "bottle" that for their final games on Wednesday and Saturday.

Rochester Mortgage Rates Continue Recent Decline

Mortgage rates in Rochester fell a little bit this morning. Rochester mortgage rates currently stand as follows:

30 year - 0.0 points - 5.875%
30 year - 1.625 points - 5.375%

25 year - 0.0 points - 5.875%
25 year - 1.625 points - 5.375%

20 year - 0.0 points - 5.875%
20 year - 1.375 points - 5.5%

15 year - 0.0 points - 5.25%
15 year - 1..25 points - 4.875%

10 year - 0.0 points - 5.0%
10 year - 1.25 points - 4.625%

Hopefully we'll continue to see declines throughout the week. It would be nice if all the people that are looking for the $8,000 first time home buyer tax credit could receive low rates and affordable payments.

Last weeks run-up on rates may have been a little much considering market conditions. I think we'll see modest declines in rates over the next few weeks.

Rochester Jazz Festival

The Rochester Jazz Festival kicked off last night. The hubby and I went to see Smokey Robinson at the Eastman Theatre. I've never been a big fan of jazz, but Smokey Robinson is a musician that everyone should see. I guess I always think of jazz as the funky modern stuff. Smokey is more of a Motown artist to me.

Anyway, it was a great time. I'm hoping to get out and see some other shows before the Rochester Jazz Festival ends on June 20, 2009.

Off to baseball. My son has a game in Fairport. This time I won't forget the sunscreen!

Rochester Mortgage Rates Dropping

Hopefully we've seen the end of the rising mortgage rates in Rochester, NY. rates fell slightly today. Hopefully it's a sign of good things to come. The current Rochester Mortgage Rates are:

30 year - 0.0 points - 5.875%
30 year - 2.0 points - 5.375%

25 year - 0.0 points - 5.875%
25 year - 2.0 points - 5.375%

20 year - 0.0 points - 5.875%
20 year - 1.375 points - 5.5%

15 year - 0.0 points - 5.375%
15 year - 1.0 points - 5.0%

10 year - 0.0 points - 5.125%
10 year - 1.0 points - 4.75%

If you've been thinking about buying a home you should act fast. Rates are still very low compared to historic levels and the $8,000 first time home buyer tax credit is in effect through December 1, 2009.

Rochester Mortgage Rates 06/11/2009

The base "no points" rates stayed the same today, but the points associated with premium rates has increased. The current Rochester Mortgage Rates are as follows:

30 year - 0.0 points - 6.0%
30 year - 2.125 points - 5.5%

25 year - 0.0 points - 6.0%
25 year - 2.125 points - 5.5%

20 year - 0.0 points - 6.0%
20 year - 1.50 points - 5.625%

15 year - 0.0 points - 5.375%
15 year - 1.50 points - 5.0%

10 year - 0.0 points - 5.125%
10 year - 1.50 points - 4.75%

Frozen Ropes Baseball Training

My 13 year old son asked to take some private hitting lessons. He's been hitting the baseball pretty well but wants to learn how to hit for more power.

After a lot of research we decided to go to Frozen Ropes in East Rochester. We scheduled a half hour lesson (for $40) with Mike Scialo. I guess he was a good college player years ago that ended up getting drafted into the pros.

Mike spent a good hour with my son and didn't charge for the extra time. He worked well with him, tried to stay positive and give encouragement. I think we'll be going back weekly now. We were both happy with the lesson he recieved. You can contact Frozen Ropes at (585) 385-0420 or online at www.frozenropesrochester.com

Rochester Mortgage Rates 6/10/2009

Mortgage Rates are continuing to rise in the Rochester, NY area. 6.0% on a thirty year tends to be a mental limit for many people. Hopefully business will still keep moving.

30 year - 0.0 points - 6.0%
30 year - 1.875 points - 5.5%

25 year - 0.0 points - 6.0%
25 year - 1.875 points - 5.5%

20 year - 0.0 points - 6.0%
20 year - 1.250 points - 5.625%

15 year - 0.0 points - 5.375%
15 year - 1.375 points - 5.0%

10 year - 0.0 points - 5.125%
10 year - 1.375 points - 4.75%

Rochester, NY Mortgage Rates

We've had no change in the mortgage rates over the weekend. The current mortgage interest rates in the Rochester, NY area are:

30 year - 0.0 points - 5.875%
30 year - 1.875 points - 5.375%

25 year - 0.0 points - 5.875%
25 year - 1.875 points - 5.375%

20 year - 0.0 points - 5.875%
20 year - 1.250 points - 5.5%

15 year - 0.0 points - 5.25%
15 year - 1.375 points - 4.875%

10 year - 0.0 points - 5.00%
10 year - 1.375 points - 4.625%

Sun Poisoning

When I was young I had an uncle pass away from skin cancer. As a result I am always yelling at my husband to sun screen the kids. So of course when I went to watch my oldest play baseball on Saturday in Irondequoit my husband and son were well protected. Guess who doesn't listen to herself?

Now the top of my legs are badly burned and I have sun posioning. Funky litttle spots are growing up my legs and they itch like you would not believe. The worst part is that my husband keeps making fun of me. He says that we wears sunscreen because I nag him so much. Maybe I should start nagging myself.

This is going to be a really fun week.

Rochester Red Wings

Last night was Little League night at Frontier Field. The stadium was sold to capacity with 10,275 people coming to watch the Rochester Red Wings take on the Gwinnett Braves. It was a very high energy game with lively bats. Unfortunately the Red Wings fell 9-6 after jumping out to an early lead.

As a side note, the team gave out free cowbells to the first 2,000 visitors. I was surreounded by children with bells. My ears are still ringing. Oh well, what's a little Tinititus when you get to spend a quality night with the family?

Another Crazy Day in The Mortgage Market

Two days in a row we've seen lots of activity in the Mortgage Backed Securities (MBS) Market. Two days in a row we've seen mid afternoon mortgage interest rate increases. The current mortgage interest rates in the Rochester, NY area are:

30 year - 0.0 points - 5.875%
30 year - 1.875 points - 5.375%

25 year - 0.0 points - 5.875%
25 year - 1.875 points - 5.375%

20 year - 0.0 points - 5.875%
20 year - 1.250 points - 5.5%

15 year - 0.0 points - 5.25%
15 year - 1.375 points - 4.875%

10 year - 0.0 points - 5.00%
10 year - 1.375 points - 4.625%

Despite the increase in mortgage rates owning a home in the Rochester area are still very affordable. It is a great time to buy a house. Prices are low and monthly payments should not be too expensive. Take advantage of the $8,000 First Time Home Buyer Tax Credit if you have the opportunity.

Hangover Almost Gone

I just finished a nice Greek salad and a cup of hot tea. Plain old Lipton, none of that foofy specialty stuff for me. I'm starting to feel human again. I say this every time I go out, but I think I'll never drink again!

Rochester Mortgage Rates 06/05/2009

Today the mortgage rates in Rochester, NY are:

30 year - 0.0 points - 5.75%
30 year - 2.125 points - 5.25%

25 year - 0.0 points - 5.75%
25 year - 2.125 points - 5.25%

20 year - 0.0 points - 5.75%
20 year - 1.50 points - 5.375%

15 year - 0.0 points - 5.25%
15 year - 1.125 points - 4.875%

10 year - 0.0 points - 5.00%
10 year - 1.125 points - 4.625%

Rates are starting to creep up. Get in now while the getting is good.

My God...Hangovers Suck

Last night the girls and I decided it was a good idea to go out. This morning I have decided it was not a good idea...

We started the night at O'Callaghans on Monroe Avenue. It's a bit of a dive but it is a fun environment. A big bunch of regulars that all know each other and an overall good feel. $5.00 pitchers of Miller Lite add greatly to the atmosphere.

After O'Cal's we headed over to East Avenue. SoHo was full of teenie boppers and we didn't stay there long. We headed over to Pearl Nightclub and it was much more our style. A very clean, classy looking establishment with lots of energy and fun. Maybe too much fun.

We also went to One Nightclub. It was a nice place but I didn't care for the clientele much. Very snooty. It seemed like most of the people there were more concerned with their image than having a good time. No fun at all.

So now I'm sitting at my desk drinking a big glass of ice water hoping nobody comes to talk to me. I should be good by lunch time.

Rochester Mortgage Rates: Updated

Usually we update Mortgage Interest Rates once per day. Because of activity on the Mortgage Backed Securities market (MBS) we've got a second update today. The current mortgage rates in Rochester, NY are:

30 year - 0.0 points - 5.75%
30 year - 1.75 points - 5.25%

25 year - 0.0 points - 5.75%
25 year - 1.75 points - 5.25%

20 year - 0.0 points - 5.75%
20 year - 1.125 points - 5.375%

15 year - 0.0 points - 5.0%
15 year - 1.5 points - 4.625%

10 year - 0.0 points - 4.75%
10 year - 1.5 points - 4.375%

I hate seeing mortgage rates rise, but compared to historic levels they are still quite low. It is still a great time to buy or refinance a home in the Rochester, NY area. Particularly if you are able to take advantage of the $8,000 first time home buyer tax credit. It is free money to buy a home. A gift from the government.

Big Deal Pizzeria - Monroe Avenue

Big Deal Pizzeria finally opened on Monroe Avenue in Rochester. For months we joked about the "Coming Soon" written on the windows. I think it said that for over a year.

My girlfriend and I shared a slice of pepperoni pizza. It was huge, a "Big Deal" as they call it at three dollars. The pizza was fresh with lots of cheese. It had a crispy but not burnt crust. Tasty, but not the best ever.

I'm in the area a lot so I'll be stopping back in. The shop was clean and nicely remodeled and the workers were very friendly and fun.

I think the best part of Big Deal Pizzeria is Bella Dolce Bakery which is located inside. I had a really nice cannoli after finishing the slice of pizza. The kid working the bakery was really funny too.

I wanted to link to their website but it doesn't seem to be online yet. Hopefully soon.

Rochester Mortgage Rates

30 year - 0.0 points - 5.625%
30 year - 1.625 points - 5.125%

25 year - 0.0 points - 5.625%
25 year - 1.625 points - 5.125%

20 year - 0.0 points - 5.625%
20 year - 1.125 points - 5.25%

15 year - 0.0 points - 5.0%
15 year - 1.25 points - 4.625%

10 year - 0.0 points - 4.75%
10 year - 1.25 points - 4.375%

Welcome To My Life in Rochester

Lately there has been a big push to show the positive side of living in Rochester, NY. I figured it's time for me to do my part.

First, a little about myself. I was born and raised in the Rochester area. I graduated from School of the Arts, have two beautiful children and currently work for a major bank in the mortgage department.

Working with mortgages has been up and down the last few years but it has been a great experience. For the last few months interest rates have been very low and we've been busy with mortgage refinancing. Now that rates are starting to creep up that aspect of our business is slowing down, but President Obama's $8,000 first time home buyer credit is helping to keep the mortgage industry busy. People are coming out of the woodwork trying to buy homes.

I'm a recovering Army wife. My husband spent a year in Afghanistan with the Reserves and is currently a baseball coach in the area. We spend a lot of time with youth sports trying to keep the kids involved in fun, positive activities. It takes a lot of energy and effort but I think we get even more out of it than we put in. You really can't go wrong working with children.

In my limited "spare" time I like to take in everything the local community has to offer. That will be the focal point of this blog. I look forward to touching base with you on a regular basis.

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