Mortgage rates hit a record low 3.75% on a 30 year fixed! What is happening?

Who would say that despite the Dow closing above 11,000 for first time since May 2010 and after a decline in jobs that both would allow the release of the Mortage Backed Securitie to issue aggressive rates that allow escape from it's threshold of pain..  

I work at a National mortgage company, Academy Mortgage, and after congregating and talking around the water cooler in the office, it was made obvious that none of us Loan Originators noticed the mortgage/ home loan rates being so drastically low.  Who knows maybe since it is a long weekend we just all weren't thinking or worried based on our knowledge of the market (It's slow around a holiday weekend. Rates stay unchanged for the most part).. 

However, the rates are currently

  • Conventional rates are at 3.875%
  • FHA rates are at 4.00% 

Of course there are some downpayment and/or credit requirements that have to be met and reviews.  Let me know if you have questions or like to discuss the madness.

Ted Canto

Mortgage Consultant

Academy Mortgage

Direct: 480.650.8602     

Office: 480.344.3671  
Fax:  480.374.6958 

Email: ted@tedcanto.com

NMLS #: 228393