Friday, June 5, 2009

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.

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