Market Update : refinancehttp://lianethomas.point2agent.com/blogs/market_update/archive/tags/refinance/default.aspxTags: refinanceenCommunityServer 2.1 SP1 (Debug Build: 61019.2)Changes in Home Loans May Affect Youhttp://lianethomas.point2agent.com/blogs/market_update/archive/2009/07/17/changes-in-home-loans-may-affect-you.aspxFri, 17 Jul 2009 22:37:00 GMTc30ce404-dda7-441e-aa19-d9fe0f6c1688:496660Liane Thomas0http://lianethomas.point2agent.com/blogs/market_update/comments/496660.aspxhttp://lianethomas.point2agent.com/blogs/market_update/commentrss.aspx?PostID=496660<p>Starting July 30, 2009, if the APR on an initial Good Faith Estimate is no longer accurate (within a 0.125% range) at close of escrow, a lender must generally provide a residential borrower with a new disclosure and a three-day right to rescind before consummating the loan. REALTORS(R) are forewarned that, because of this new three-day waiting period, a lender&#39;s failure to timely provide corrected disclosures has the potential of delaying funding of the loan and close of escrow.</p><p>This new requirement is part of the Mortgage Disclosure Improvement Act (MDIA) implementing new loan procedures to protect borrowers and foster greater transparency in mortgage lending. For loan applications submitted on or after July 30, 2009, the new MDIA changes to the Truth In Lending Act are generally as follows:</p><p>- Applicability: The new MDIA rules pertain to federally-related mortgage loans covered under RESPA and secured by a consumer&#39;s dwelling. The rules apply to both purchase and refinance loans.</p><p>- Early Disclosures: A lender must provide a borrower with an initial Good Faith Estimate within three business days of receiving the borrower&#39;s written loan application as specified. For this provision, a &quot;business day&quot; is generally defined as a day on which the lender&#39;s offices are open for business.</p><p>- Upfront Fees Restriction: Neither a lender nor any other person may impose an upfront fee on the borrower (except for credit report) until the borrower has received the early disclosures in person or, if mailed, three business days after the early disclosures are mailed. For this rule, a &quot;business day&quot; is defined as all calendar days except Sundays and legal public holidays as specified.</p><p>- Seven-Day Waiting Period: A lender must wait seven business days after providing the early disclosures before consummating the loan. For purposes of this waiting period, a &quot;business day&quot;&nbsp;is defined as all calendar days except Sundays and federal legal holidays as specified. A borrower may waive the waiting period in writing in case of personal financial emergency, such as an imminent foreclosure sale.</p><p>- Re-disclosure Requirement: If the final Annual Percentage Rate (APR) at loan consummation varies more than 0.125% (or 1/8 of one percent) from the initial APR on the early disclosures of a regular transaction, the lender must provide the borrower with a corrected disclosure at least three business days before the loan is consummated. For purposes of this waiting period, a &quot;business day&quot; is defined as all calendar days except Sundays and federal legal holidays as specified.</p><p>- Three-Day Waiting Period: For corrected disclosures, a lender cannot consummate a loan until three business days after the borrower receives the corrected disclosure in person. If the corrected disclosure is mailed, the borrower is deemed to have received it three business days after it is placed in the mail. A borrower may waive this waiting period in writing in case of a bona fide personal financial emergency, such as an imminent foreclosure sale.</p><p>What does this mean to you? Let&#39;s say&nbsp;you go to&nbsp;sign&nbsp;loan docs, and find out that the interest rate or fees are higher than quoted. At that point, you are stuck because if you don&#39;t sign, you don&#39;t get the house, and you are&nbsp;supposed to be moved out of your apartment by the weekend. So you lump it and sign. These new laws will require the lender to notify you&nbsp;when the rate changs,&nbsp;so you won&#39;t get a&nbsp;nasty surprise.</p><p>Information provided&nbsp;to you by:</p><p class="MsoNormal" style="margin:0in 0in 0pt;"><span style="font-size:10pt;font-family:Verdana;">Liane Thomas, REALTOR&reg;, CDPE&copy;, Lic # 01704162</span></p><p class="MsoNormal" style="margin:0in 0in 0pt;"><span style="font-size:10pt;font-family:Verdana;">The Thomas Group, Keller Williams Realty</span></p><p class="MsoNormal" style="margin:0in 0in 0pt;"><span style="font-size:10pt;font-family:Verdana;">Serving </span><span style="font-size:10pt;font-family:Verdana;">Corona</span><span style="font-size:10pt;font-family:Verdana;">, </span><span style="font-size:10pt;font-family:Verdana;">Norco</span><span style="font-size:10pt;font-family:Verdana;">, </span><span style="font-size:10pt;font-family:Verdana;">Riverside</span><span style="font-size:10pt;font-family:Verdana;">, and surrounding communities</span></p><p class="MsoNormal" style="margin:0in 0in 0pt;"><span style="font-size:10pt;font-family:Verdana;">(951) 454-3805</span></p><p class="MsoNormal" style="margin:0in 0in 0pt;"><span style="font-size:10pt;font-family:Verdana;"><a href="http://www.allcoronahomes.com/">www.AllCoronaHomes.com</a></span></p><p class="MsoNormal" style="margin:0in 0in 0pt;"><span style="font-size:10pt;font-family:Verdana;"><a href="http://www.freenorcohomesearch.com/">www.FreeNorcoHomeSearch.com</a></span></p><p class="MsoNormal" style="margin:0in 0in 0pt;"><span style="font-size:10pt;font-family:Verdana;"><a href="http://www.freeriversidehomesearch.com/">www.FreeRiversideHomeSearch.com</a></span></p><p class="MsoNormal" style="margin:0in 0in 0pt;"><span style="font-size:10pt;font-family:Verdana;"><a href="http://lianethomas.point2agent.com/photos/corona_california_homes_and_more/picture491724.aspx" target="_blank"><img border="0" height="87" src="http://lianethomas.point2agent.com/photos/corona_california_homes_and_more/images/491724/thumb.aspx" width="93" /></a></span></p><p class="MsoNormal" style="margin:0in 0in 0pt;"><span style="font-size:10pt;font-family:Verdana;">&nbsp;</span></p><p>&nbsp;</p><p class="MsoNormal" style="margin:0in 0in 0pt;"><span style="font-family:Verdana;"><font size="3">&nbsp;</font></span></p><p>&nbsp;</p><p>&nbsp;</p><img src="http://lianethomas.point2agent.com/aggbug.aspx?PostID=496660" width="1" height="1">Real EstateMarket ConditionsAnnouncementsFinancesBuyer Informationhome ratesHomes for salehome loan ratesbuy a homefinancingShort Salecorona ranchfirst time home buyerrefinancefixed paymentrefirefinance adjustable ratelow down paymenteasy qualifyingcoronapreforeclosurecorona home for salesouth coronacorona hillsgreen riverFHA oksold coronasold riversideeastvalecorona soldshort sale eastvaledos lagossold short saleshort sellhome affordable Refinance planunderwaterupside downobama recovery plancertified distressed property expertcorona realtorChanges to Home Affordable Refinance Program (HARP) July 2, 2009http://lianethomas.point2agent.com/blogs/market_update/archive/2009/07/09/changes-to-home-affordable-refinance-program-harp-july-2-2009.aspxThu, 09 Jul 2009 18:18:00 GMTc30ce404-dda7-441e-aa19-d9fe0f6c1688:493312Liane Thomas0http://lianethomas.point2agent.com/blogs/market_update/comments/493312.aspxhttp://lianethomas.point2agent.com/blogs/market_update/commentrss.aspx?PostID=493312<div class="storybody">The Obama administration eased eligibility rules Wednesday for its Home Affordable Refinance Program, lifting the maximum loan-to-value ratio to 125% from 105%.<br /><br />This change should make&nbsp;refinancing available to more people whose homes are worth less than their mortgages.<br /></div><div id="inlinegoogleads"> <div id="googleads">HARP is open to homeowners whose loans are owned or guaranteed by Fannie Mae or Freddie Mac, the mortgage finance giants now under government control. It covers first mortgages only.<br /><br />The refinance program, launched this year, has gotten off to a slow start, in part because the maximum 105% loan-to-value ratio was too low to include many homes that have fallen sharply in value.<br /><br />The new 125% maximum means an eligible homeowner with a $375,000 mortgage can refinance if his or her house is worth at least $300,000. But the borrower still must be able to afford the new loan. Income requirements are an increasing problem as unemployment soars and many workers are dealt pay cuts.<br /></div></div><div class="storybody">Treasury Secretary Timothy F. Geithner said the move to raise the loan-to-value limit was &quot;a crucial step in our broader efforts to get America&#39;s housing market and economy on the path to recovery.&quot;</div><div class="storybody"></div><div class="storybody">Liane Thomas, a REALTOR(R) in Corona, Ca, says &quot;If you are underwater on your loan and unable to make your payments, please call your loan servicer first. As them to help you stay in your home.&quot; If they cannot help you, consider other options like&nbsp;bankruptcy, a short sale, or a deed in lieu before letting your house go to foreclosure.</div><div class="storybody"></div><div class="storybody">Information provided by<br />The Thomas&nbsp;Group, Keller Williams Realty<br />Serving Corona, Riverside,&nbsp;Norco and surrounding areas<br /><a href="http://www.allcoronahomes.com/">www.AllCoronaHomes.com</a><br />951.454.3805&nbsp;<br /><br /></div><img src="http://lianethomas.point2agent.com/aggbug.aspx?PostID=493312" width="1" height="1">corona real estatecorona homes for salerefinancecoronagreen riversycamore creekmountain gate heightshome affordable Refinance planbad loanunderwaterObamaupside downharpobama recovery planInterest Rate Snapshot December 3, 2007http://lianethomas.point2agent.com/blogs/market_update/archive/2007/12/03/interest-rate-snapshot-december-3-2007.aspxMon, 03 Dec 2007 14:31:00 GMTc30ce404-dda7-441e-aa19-d9fe0f6c1688:221483Liane Thomas0http://lianethomas.point2agent.com/blogs/market_update/comments/221483.aspxhttp://lianethomas.point2agent.com/blogs/market_update/commentrss.aspx?PostID=221483<p><span class="oabox-title">Interest Rates are Falling! </span></p><div class="BlogPostContent"><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"><div style="padding-bottom:15px;text-align:center;align:middle;"><img alt="Arrow,Graph,Progress,Motion,Funky,Solution,Efficiency,Investment,depress,Recession,Economic Depression,Lowering,Low Section,Interest Rate,Currency,Loss,Psychiatrist,Growth,Decline,Small,Business,Action,Energy,Adventure,Reaching,Working,Red,Shiny,Reflection,Color Image,Bright,Fruit,Vegetable,Negative Image,Evil,Angle,Human Head,Acute Angle,Direction,South,raytraced,Moving Toward" height="127" src="http://www1.istockphoto.com/file_thumbview_approve/141437/2/istockphoto_141437_arrow_graph_down.jpg" style="width:239px;height:127px;border:#e1e1e1 1px solid;" width="239" /></div>30 Year Fixed&nbsp; 5.69%</span></div><div class="col1-hed"><span class="oabox-title">15 Year Fixed&nbsp; 5.27%</span></div><div class="col1-hed"><span class="oabox-title">5/1 Arm&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.56%</span></div><div class="col1-even">30 Year Fixed Jumbo&nbsp;&nbsp;6.60%</div><div class="col1-even">5/1 Jumbo Arm 6.04%</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank You to Bankrate.com for providing the rates!</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank you for visiting, and have a safe and happy&nbsp;week! <img alt="Cool" height="19" src="http://lianethomas.point2agent.com/emoticons/emotion-11.gif" width="19" /></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Liane Thomas, REALTOR(R)<br />Keller Williams Realty</div><div class="col1-even">Serving Southern California Counties of Riverside and San Bernardino</div><div class="col1-even">(951) 454-3805</div><div class="col1-even"><a href="http://www.lianethomas.com/"><font color="#000000">www.LianeThomas.com</font></a></div><div class="col1-even"><a href="http://www.allcoronahomes.com/">www.AllCoronaHomes.com</a></div><div class="col1-even"><a href="http://www.freeriversidehomesearch.com/">www.FreeRiversideHomeSearch.com</a></div><div class="col1-even"><a href="mailto:Liane@LianeThomas.com"><font color="#000000">Liane@LianeThomas.com</font></a></div></div><img src="http://lianethomas.point2agent.com/aggbug.aspx?PostID=221483" width="1" height="1">FinancesBuyer Informationhome ratesinterest ratesfinancingfirst time home buyerrefinancerefirefinance adjustable rateeasy qualifyingInterest Rate Snapshot December 1, 2007http://lianethomas.point2agent.com/blogs/market_update/archive/2007/12/01/interest-rate-snapshot-december-1-2007.aspxSat, 01 Dec 2007 11:56:00 GMTc30ce404-dda7-441e-aa19-d9fe0f6c1688:220732Liane Thomas0http://lianethomas.point2agent.com/blogs/market_update/comments/220732.aspxhttp://lianethomas.point2agent.com/blogs/market_update/commentrss.aspx?PostID=220732<table cellpadding="0" cellspacing="0"><tr><td><div class="BlogPostContent"><div class="BlogPostContent"><p><span class="oabox-title">Interest Rates are great for purchase and refinance!</span></p><p><span class="oabox-title">&nbsp;<a href="http://images.search.yahoo.com/search/images/view?back=http%3A%2F%2Fimages.search.yahoo.com%2Fsearch%2Fimages%3Fp%3Dmoney%26fr%3Dyfp-t-471%26toggle%3D1%26cop%3Dmss%26ei%3DUTF-8&amp;w=350&amp;h=281&amp;imgurl=www.gosfi.net%2Fimages%2Fmoney.jpg&amp;rurl=http%3A%2F%2Fblog.lide.cz%2Fkalioglou%2F2004%2F10%2F20%2F331&amp;size=12.7kB&amp;name=money.jpg&amp;p=money&amp;type=jpeg&amp;no=8&amp;tt=4,541,056&amp;oid=0e25b0c9f55304be&amp;ei=UTF-8"><img alt="Go to fullsize image" height="108" src="http://sp1.mm-a5.yimg.com/image/3308220007" title="http://blog.lide.cz/kalioglou/2004/10/20/331" width="135" /></a></span></p><div class="BlogPostContent"><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title">30 Year Fixed&nbsp; 5.73%</span></div><div class="col1-hed"><span class="oabox-title">15 Year Fixed&nbsp; 5.31%</span></div><div class="col1-hed"><span class="oabox-title">5/1 Arm&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.46%</span></div><div class="col1-even">30 Year Fixed Jumbo&nbsp;&nbsp;6.62%</div><div class="col1-even">5/1 Jumbo Arm 6.04%</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank You to Bankrate.com for providing the rates!</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank you for visiting, and have a safe and happy weekend! <img alt="Cool" height="19" src="http://lianethomas.point2agent.com/emoticons/emotion-11.gif" width="19" /></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Liane Thomas, REALTOR(R)<br />Keller Williams Realty</div><div class="col1-even">Serving Southern California Counties of Riverside and San Bernardino</div><div class="col1-even">(951) 454-3805</div><div class="col1-even"><a href="http://www.lianethomas.com/"><font color="#000000">www.LianeThomas.com</font></a></div><div class="col1-even"><a href="http://www.allcoronahomes.com/">www.AllCoronaHomes.com</a></div><div class="col1-even"><a href="http://www.freeriversidehomesearch.com/">www.FreeRiversideHomeSearch.com</a></div><div class="col1-even"><a href="mailto:Liane@LianeThomas.com"><font color="#000000">Liane@LianeThomas.com</font></a></div></div></div></div></td></tr></table><img src="http://lianethomas.point2agent.com/aggbug.aspx?PostID=220732" width="1" height="1">FinancesBuyer Informationhome ratesinterest rateshome loan ratesfinancingfirst time home buyerrefinancerefirefinance adjustable rateeasy qualifyingInterest Rate Snapshot November 23, 2007http://lianethomas.point2agent.com/blogs/market_update/archive/2007/11/23/interest-rate-snapshot-november-23-2007.aspxFri, 23 Nov 2007 14:02:00 GMTc30ce404-dda7-441e-aa19-d9fe0f6c1688:217413Liane Thomas0http://lianethomas.point2agent.com/blogs/market_update/comments/217413.aspxhttp://lianethomas.point2agent.com/blogs/market_update/commentrss.aspx?PostID=217413<p><span class="oabox-title">Interest Rates are Falling!</span></p><p><span class="oabox-title">&nbsp;<a href="http://images.search.yahoo.com/search/images/view?back=http%3A%2F%2Fimages.search.yahoo.com%2Fsearch%2Fimages%3Fp%3Dmoney%26fr%3Dyfp-t-471%26toggle%3D1%26cop%3Dmss%26ei%3DUTF-8&amp;w=350&amp;h=281&amp;imgurl=www.gosfi.net%2Fimages%2Fmoney.jpg&amp;rurl=http%3A%2F%2Fblog.lide.cz%2Fkalioglou%2F2004%2F10%2F20%2F331&amp;size=12.7kB&amp;name=money.jpg&amp;p=money&amp;type=jpeg&amp;no=8&amp;tt=4,541,056&amp;oid=0e25b0c9f55304be&amp;ei=UTF-8"><img alt="Go to fullsize image" height="108" src="http://sp1.mm-a5.yimg.com/image/3308220007" title="http://blog.lide.cz/kalioglou/2004/10/20/331" width="135" /></a></span></p><div class="BlogPostContent"><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title">30 Year Fixed&nbsp; 5.89%</span></div><div class="col1-hed"><span class="oabox-title">15 Year Fixed&nbsp; 5.45%</span></div><div class="col1-hed"><span class="oabox-title">5/1 Arm&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.48%</span></div><div class="col1-even">30 Year Fixed Jumbo&nbsp;&nbsp;6.65%</div><div class="col1-even">5/1 Jumbo Arm 6.00%</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank You to Bankrate.com for providing the rates!</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank you for visiting, and have a safe and happy Thanksgiving weekend! <img alt="Cool" height="19" src="http://lianethomas.point2agent.com/emoticons/emotion-11.gif" width="19" /></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Liane Thomas, REALTOR(R)<br />Keller Williams Realty</div><div class="col1-even">Serving Southern California Counties of Riverside and San Bernardino</div><div class="col1-even">(951) 454-3805</div><div class="col1-even"><a href="http://www.lianethomas.com/"><font color="#000000">www.LianeThomas.com</font></a></div><div class="col1-even"><a href="http://www.allcoronahomes.com/">www.AllCoronaHomes.com</a></div><div class="col1-even"><a href="http://www.freeriversidehomesearch.com/">www.FreeRiversideHomeSearch.com</a></div><div class="col1-even"><a href="mailto:Liane@LianeThomas.com"><font color="#000000">Liane@LianeThomas.com</font></a></div></div><img src="http://lianethomas.point2agent.com/aggbug.aspx?PostID=217413" width="1" height="1">Real Estatehome ratesinterest rateshome loan ratesbuy a homefinancingfirst time home buyerrefinancefixed paymentrefilow down paymenteasy qualifyingInterest Rate Snapshot November 20, 2007http://lianethomas.point2agent.com/blogs/market_update/archive/2007/11/20/interest-rate-snapshot-november-20-2007.aspxTue, 20 Nov 2007 13:22:00 GMTc30ce404-dda7-441e-aa19-d9fe0f6c1688:216287Liane Thomas0http://lianethomas.point2agent.com/blogs/market_update/comments/216287.aspxhttp://lianethomas.point2agent.com/blogs/market_update/commentrss.aspx?PostID=216287<p><span class="oabox-title"><img height="549" src="http://www.mopocket.com/graphics/_J003358F_money_tree5.jpg" width="607" /></span></p><p><span class="oabox-title">Interest Rates are Falling! </span></p><div class="BlogPostContent"><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title">30 Year Fixed&nbsp; 5.91%</span></div><div class="col1-hed"><span class="oabox-title">15 Year Fixed&nbsp; 5.47%</span></div><div class="col1-hed"><span class="oabox-title">5/1 Arm&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.52%</span></div><div class="col1-even">30 Year Fixed Jumbo&nbsp;&nbsp;6.58%</div><div class="col1-even">5/1 Jumbo Arm 5.99%</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank You to Bankrate.com for providing the rates!</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank you for visiting, and have a safe and happy Thanksgiving week! <img alt="Cool" height="19" src="http://lianethomas.point2agent.com/emoticons/emotion-11.gif" width="19" /></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Liane Thomas, REALTOR(R)<br />Keller Williams Realty</div><div class="col1-even">Serving Southern California Counties of Riverside and San Bernardino</div><div class="col1-even">(951) 454-3805</div><div class="col1-even"><a href="http://www.lianethomas.com/"><font color="#000000">www.LianeThomas.com</font></a></div><div class="col1-even"><a href="http://www.allcoronahomes.com/">www.AllCoronaHomes.com</a></div><div class="col1-even"><a href="http://www.freeriversidehomesearch.com/">www.FreeRiversideHomeSearch.com</a></div><div class="col1-even"><a href="mailto:Liane@LianeThomas.com"><font color="#000000">Liane@LianeThomas.com</font></a></div></div><img src="http://lianethomas.point2agent.com/aggbug.aspx?PostID=216287" width="1" height="1">Market ConditionsFinancesBuyer Informationhome rateshome loan ratesbuy a homefinancingfirst time home buyerrefinancefixed paymentrefirefinance adjustable rateeasy qualifyingInterest Rate Snapshot November 17,2007http://lianethomas.point2agent.com/blogs/market_update/archive/2007/11/17/interest-rate-snapshot-november-17-2007.aspxSat, 17 Nov 2007 12:24:00 GMTc30ce404-dda7-441e-aa19-d9fe0f6c1688:215390Liane Thomas0http://lianethomas.point2agent.com/blogs/market_update/comments/215390.aspxhttp://lianethomas.point2agent.com/blogs/market_update/commentrss.aspx?PostID=215390<div class="BlogPostContent"><h4 class="BlogPostHeader"><span class="oabox-title">Posted November 17, 2007</span></h4><h4 class="BlogPostHeader"><span class="oabox-title"><img height="190" src="http://rds.yahoo.com/_ylt=A0Je5xcX3SFHRrEAFRqjzbkF/SIG=12ounqf9j/EXP=1193488023/**http%3A//www.childcares.com/indyrealty/images/interestratechartpic.jpg" width="172" /></span></h4><div class="BlogPostContent"><div class="BlogPostContent"><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title">Interest Rates are Falling!</span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title">30 Year Fixed&nbsp; 5.91%</span></div><div class="col1-hed"><span class="oabox-title">15 Year Fixed&nbsp; 5.50%</span></div><div class="col1-hed"><span class="oabox-title">5/1 Arm&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.58%</span></div><div class="col1-even">30 Year Fixed Jumbo&nbsp;&nbsp;6.56%</div><div class="col1-even">5/1 Jumbo Arm 6.02%</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank You to Bankrate.com for providing the rates!</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank you for visiting, and have a safe and happy weeked! <img alt="Cool" height="19" src="http://lianethomas.point2agent.com/emoticons/emotion-11.gif" width="19" /></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Liane Thomas, REALTOR(R)<br />Keller Williams Realty</div><div class="col1-even">Serving Southern California Counties of Riverside and San Bernardino</div><div class="col1-even">(951) 454-3805</div><div class="col1-even"><a href="http://www.lianethomas.com/"><font color="#000000">www.LianeThomas.com</font></a></div><div class="col1-even"><a href="http://www.allcoronahomes.com/">www.AllCoronaHomes.com</a></div><div class="col1-even"><a href="http://www.freeriversidehomesearch.com/">www.FreeRiversideHomeSearch.com</a></div><div class="col1-even"><a href="mailto:Liane@LianeThomas.com"><font color="#000000">Liane@LianeThomas.com</font></a></div></div></div></div><img src="http://lianethomas.point2agent.com/aggbug.aspx?PostID=215390" width="1" height="1">Real EstateFinancesBuyer Informationhome ratesinterest rateshome loan ratesbuy a homefinancingfirst time home buyerrefinancerefirefinance adjustable ratelow down paymenteasy qualifyingInterest Rate Snapshot November 12, 2007http://lianethomas.point2agent.com/blogs/market_update/archive/2007/11/12/interest-rate-snapshot-november-12-2007.aspxMon, 12 Nov 2007 14:08:00 GMTc30ce404-dda7-441e-aa19-d9fe0f6c1688:212894Liane Thomas0http://lianethomas.point2agent.com/blogs/market_update/comments/212894.aspxhttp://lianethomas.point2agent.com/blogs/market_update/commentrss.aspx?PostID=212894<div class="BlogPostContent"><h4 class="BlogPostHeader"><span class="oabox-title">Posted November 12, 2007</span></h4><h4 class="BlogPostHeader"><span class="oabox-title"><img height="190" src="http://rds.yahoo.com/_ylt=A0Je5xcX3SFHRrEAFRqjzbkF/SIG=12ounqf9j/EXP=1193488023/**http%3A//www.childcares.com/indyrealty/images/interestratechartpic.jpg" width="172" /></span></h4><div class="BlogPostContent"><div class="BlogPostContent"><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title">Interest Rates are Falling!</span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title">30 Year Fixed&nbsp; 5.97%</span></div><div class="col1-hed"><span class="oabox-title">15 Year Fixed&nbsp; 5.55%</span></div><div class="col1-hed"><span class="oabox-title">5/1 Arm&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.53%</span></div><div class="col1-even">30 Year Fixed Jumbo&nbsp;&nbsp;6.58%</div><div class="col1-even">5/1 Jumbo Arm 5.99%</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank You to Bankrate.com for providing the rates!</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank you for visiting, and have a safe and happy week! <img alt="Cool" height="19" src="http://lianethomas.point2agent.com/emoticons/emotion-11.gif" width="19" /></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Liane Thomas, REALTOR(R)<br />Keller Williams Realty</div><div class="col1-even">Serving Southern California Counties of Riverside and San Bernardino</div><div class="col1-even">(951) 454-3805</div><div class="col1-even"><a href="http://www.lianethomas.com/"><font color="#000000">www.LianeThomas.com</font></a></div><div class="col1-even"><a href="http://www.allcoronahomes.com/">www.AllCoronaHomes.com</a></div><div class="col1-even"><a href="http://www.freeriversidehomesearch.com/">www.FreeRiversideHomeSearch.com</a></div><div class="col1-even"><a href="mailto:Liane@LianeThomas.com"><font color="#000000">Liane@LianeThomas.com</font></a></div></div></div></div><img src="http://lianethomas.point2agent.com/aggbug.aspx?PostID=212894" width="1" height="1">Financeshome ratesinterest rateshome loan ratesbuy a homefinancingrefinancefixed paymentrefieasy qualifyingInterest Rate Snapshot November 9, 2007http://lianethomas.point2agent.com/blogs/market_update/archive/2007/11/09/interest-rate-snapshot-november-9-2007.aspxFri, 09 Nov 2007 14:34:00 GMTc30ce404-dda7-441e-aa19-d9fe0f6c1688:211603Liane Thomas0http://lianethomas.point2agent.com/blogs/market_update/comments/211603.aspxhttp://lianethomas.point2agent.com/blogs/market_update/commentrss.aspx?PostID=211603<div id="_ctl0__ctl0_TaskRegion_Editor1__ctl51" style="display:block;"><h3 class="CommonSubTitle" id="_ctl0__ctl0_TaskRegion_Editor1_PreviewTitle">Interest Rate Snapshot November 9, 2007</h3><span id="loading" style="display:none;">Loading <img height="16" src="http://lianethomas.point2agent.com/utility/spinner.gif" width="16" /></span> <span id="_ctl0__ctl0_TaskRegion_Editor1_PreviewBody"><div class="BlogPostContent"><h4 class="BlogPostHeader"><span class="oabox-title">Posted November 9, 2007</span></h4><h4 class="BlogPostHeader"><span class="oabox-title"><img height="190" src="http://rds.yahoo.com/_ylt=A0Je5xcX3SFHRrEAFRqjzbkF/SIG=12ounqf9j/EXP=1193488023/**http%3A//www.childcares.com/indyrealty/images/interestratechartpic.jpg" width="172" /></span></h4><div class="BlogPostContent"><div class="BlogPostContent"><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title">Interest Rates are Great!</span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title">30 Year Fixed&nbsp; 5.97%</span></div><div class="col1-hed"><span class="oabox-title">15 Year Fixed&nbsp; 5.57%</span></div><div class="col1-hed"><span class="oabox-title">5/1 Arm&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.58%</span></div><div class="col1-even">30 Year Fixed Jumbo&nbsp;&nbsp;6.57%</div><div class="col1-even">5/1 Jumbo Arm 6.03%</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank You to Bankrate.com for providing the rates!</div><div class="col1-even"></div><div class="col1-even">Did you know there is a new loan program that will allow you to buy a home with only 5% down, you pay no closing costs, no PMI, and this loan has very competitve rates? Good credit required, call for details.</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank you for visiting, and have a safe and happy weekend! <img alt="Cool" height="19" src="http://lianethomas.point2agent.com/emoticons/emotion-11.gif" width="19" /></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Liane Thomas, REALTOR(R)<br />Keller Williams Realty</div><div class="col1-even">Serving Southern California Counties of Riverside and San Bernardino</div><div class="col1-even">(951) 454-3805</div><div class="col1-even"><a href="http://www.lianethomas.com/"><font color="#000000">www.LianeThomas.com</font></a></div><div class="col1-even"><a href="http://www.allcoronahomes.com/">www.AllCoronaHomes.com</a></div><div class="col1-even"><a href="http://www.freeriversidehomesearch.com/">www.FreeRiversideHomeSearch.com</a></div><div class="col1-even"><a href="mailto:Liane@LianeThomas.com"><font color="#000000">Liane@LianeThomas.com</font></a></div></div></div></div></span></div><img src="http://lianethomas.point2agent.com/aggbug.aspx?PostID=211603" width="1" height="1">Market ConditionsFinancesBuyer Informationhome ratesinterest rateshome loan ratesfinancingrefinancerefirefinance adjustable rateInterest Rate Snapshot November 5, 2007http://lianethomas.point2agent.com/blogs/market_update/archive/2007/11/05/interest-rate-snapshot-november-5-2007.aspxMon, 05 Nov 2007 13:06:00 GMTc30ce404-dda7-441e-aa19-d9fe0f6c1688:209169Liane Thomas0http://lianethomas.point2agent.com/blogs/market_update/comments/209169.aspxhttp://lianethomas.point2agent.com/blogs/market_update/commentrss.aspx?PostID=209169<div class="BlogPostContent"><h4 class="BlogPostHeader"><span class="oabox-title">Posted November 5, 2007</span></h4><h4 class="BlogPostHeader"><span class="oabox-title"><img height="190" src="http://rds.yahoo.com/_ylt=A0Je5xcX3SFHRrEAFRqjzbkF/SIG=12ounqf9j/EXP=1193488023/**http%3A//www.childcares.com/indyrealty/images/interestratechartpic.jpg" width="172" /></span></h4><div class="BlogPostContent"><div class="BlogPostContent"><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title">Interest Rates are Falling!</span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title">30 Year Fixed&nbsp; 5.89%</span></div><div class="col1-hed"><span class="oabox-title">15 Year Fixed&nbsp; 5.51%</span></div><div class="col1-hed"><span class="oabox-title">5/1 Arm&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.60%</span></div><div class="col1-even">30 Year Fixed Jumbo&nbsp;&nbsp;6.55%</div><div class="col1-even">5/1 Jumbo Arm 6.02%</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank You to Bankrate.com for providing the rates!</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank you for visiting, and have a safe and happy week! <img alt="Cool" height="19" src="http://lianethomas.point2agent.com/emoticons/emotion-11.gif" width="19" /></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Liane Thomas, REALTOR(R)<br />Keller Williams Realty</div><div class="col1-even">Serving Southern California Counties of Riverside and San Bernardino</div><div class="col1-even">(951) 454-3805</div><div class="col1-even"><a href="http://www.lianethomas.com/"><font color="#000000">www.LianeThomas.com</font></a></div><div class="col1-even"><a href="http://www.allcoronahomes.com/">www.AllCoronaHomes.com</a></div><div class="col1-even"><a href="http://www.freeriversidehomesearch.com/">www.FreeRiversideHomeSearch.com</a></div><div class="col1-even"><a href="mailto:Liane@LianeThomas.com"><font color="#000000">Liane@LianeThomas.com</font></a></div></div></div></div><img src="http://lianethomas.point2agent.com/aggbug.aspx?PostID=209169" width="1" height="1">IndustryFinancesBuyer Informationinterest rateshome loan ratesbuy a homefinancingfirst time home buyerrefinancerefirefinance adjustable rateeasy qualifyingInterest Rate Snapshot November 2, 2007http://lianethomas.point2agent.com/blogs/market_update/archive/2007/11/02/interest-rate-snapshot-november-2-2007.aspxFri, 02 Nov 2007 13:16:00 GMTc30ce404-dda7-441e-aa19-d9fe0f6c1688:208332Liane Thomas0http://lianethomas.point2agent.com/blogs/market_update/comments/208332.aspxhttp://lianethomas.point2agent.com/blogs/market_update/commentrss.aspx?PostID=208332<div class="BlogPostContent"><h4 class="BlogPostHeader"><span class="oabox-title">Posted November 2,&nbsp;2007</span></h4><h4 class="BlogPostHeader"><span class="oabox-title"><img height="190" src="http://rds.yahoo.com/_ylt=A0Je5xcX3SFHRrEAFRqjzbkF/SIG=12ounqf9j/EXP=1193488023/**http%3A//www.childcares.com/indyrealty/images/interestratechartpic.jpg" width="172" /></span></h4><div class="BlogPostContent"><div class="BlogPostContent"><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title">30 Year Fixed&nbsp; 5.91%</span></div><div class="col1-hed"><span class="oabox-title">15 Year Fixed&nbsp; 5.54%</span></div><div class="col1-hed"><span class="oabox-title">5/1 Arm&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.63%</span></div><div class="col1-even">30 Year Fixed Jumbo&nbsp;&nbsp;6.55%</div><div class="col1-even">5/1 Jumbo Arm 6.05%</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank You to Bankrate.com for providing the rates!</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank you for visiting, and have a safe and happy weekend! <img alt="Cool" height="19" src="http://lianethomas.point2agent.com/emoticons/emotion-11.gif" width="19" /></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Liane Thomas, REALTOR(R)<br />Keller Williams Realty</div><div class="col1-even">Serving Southern California Counties of Riverside and San Bernardino</div><div class="col1-even">(951) 454-3805</div><div class="col1-even"><a href="http://www.lianethomas.com/"><font color="#000000">www.LianeThomas.com</font></a></div><div class="col1-even"><a href="http://www.allcoronahomes.com/">www.AllCoronaHomes.com</a></div><div class="col1-even"><a href="http://www.freeriversidehomesearch.com/">www.FreeRiversideHomeSearch.com</a></div><div class="col1-even"><a href="mailto:Liane@LianeThomas.com"><font color="#000000">Liane@LianeThomas.com</font></a></div></div></div></div><img src="http://lianethomas.point2agent.com/aggbug.aspx?PostID=208332" width="1" height="1">IndustryFinancesBuyer Informationhome ratesinterest rateshome loan ratesfinancingfirst time home buyerrefinancerefirefinance adjustable rateFed's Announce Interest Rate Cut!http://lianethomas.point2agent.com/blogs/market_update/archive/2007/11/01/fed-s-announce-interest-rate-cut.aspxThu, 01 Nov 2007 12:27:00 GMTc30ce404-dda7-441e-aa19-d9fe0f6c1688:207796Liane Thomas0http://lianethomas.point2agent.com/blogs/market_update/comments/207796.aspxhttp://lianethomas.point2agent.com/blogs/market_update/commentrss.aspx?PostID=207796<p><img height="208" src="http://www.dkimages.com/discover/previews/955/65127087.JPG" style="width:220px;height:208px;" width="220" /></p><p>As announced on Wednesday October 31, the Federal Reserve cut its benchmark interest rate by a quarter&nbsp;percentage point! What a wonderful Halloween treat for homeowners and investors!&nbsp;What does this mean to you?&nbsp;If you have a revolving HELOC, it has been at 7.75%. As of now it has&nbsp;dropped to 7.50%, and you didn&#39;t have to do anything! If you are trying to qualify to buy a home, you just dropped the amount you have to pay each month towards the interest part of the payment OR you just increased your buying power! Call me to see what that means&nbsp;to&nbsp;you!</p><p>If you are struggling to make your house payment, this may just be the best time to refi that adjustable rate loan, or combine the first and 2nd. Call for more details. There is no cost or obligation. </p><p>Thanks!</p><p>Liane Thomas<br />REALTOR(R)<br />(951)454-3805<br /><a href="http://www.allcoronahomes.com/">http://www.allcoronahomes.com/</a><br /><a href="http://www.freeriversidehomesearch.com/">http://www.freeriversidehomesearch.com/</a><br /><a href="http://www.lianethomas.com/">http://www.lianethomas.com/</a><br /></p><img src="http://lianethomas.point2agent.com/aggbug.aspx?PostID=207796" width="1" height="1">Real EstateMarket ConditionsAnnouncementsFinancesBuyer Informationhome ratesinterest rateshome loan ratessell a homebuy a homefinancingfirst time home buyerrefinancerefieasy qualifyingInterest Rate Snapshot October 29, 2007http://lianethomas.point2agent.com/blogs/market_update/archive/2007/10/29/interest-rate-snapshot-october-29-2007.aspxMon, 29 Oct 2007 12:01:00 GMTc30ce404-dda7-441e-aa19-d9fe0f6c1688:206289Liane Thomas0http://lianethomas.point2agent.com/blogs/market_update/comments/206289.aspxhttp://lianethomas.point2agent.com/blogs/market_update/commentrss.aspx?PostID=206289<div class="BlogPostContent"><h4 class="BlogPostHeader"><span class="oabox-title">Posted October 29, 2007</span></h4><h4 class="BlogPostHeader"><span class="oabox-title"><img height="190" src="http://rds.yahoo.com/_ylt=A0Je5xcX3SFHRrEAFRqjzbkF/SIG=12ounqf9j/EXP=1193488023/**http%3A//www.childcares.com/indyrealty/images/interestratechartpic.jpg" width="172" /></span></h4><div class="BlogPostContent"><div class="BlogPostContent"><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title">Interest Rates are Falling!</span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title">30 Year Fixed&nbsp; 5.89%</span></div><div class="col1-hed"><span class="oabox-title">15 Year Fixed&nbsp; 5.49%</span></div><div class="col1-hed"><span class="oabox-title">5/1 Arm&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.59%</span></div><div class="col1-even">30 Year Fixed Jumbo&nbsp;&nbsp;6.53%</div><div class="col1-even">5/1 Jumbo Arm 6.02%</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank You to Bankrate.com for providing the rates!</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank you for visiting, and have a safe and happy week! <img alt="Cool" height="19" src="http://lianethomas.point2agent.com/emoticons/emotion-11.gif" width="19" /></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Liane Thomas, REALTOR(R)<br />Keller Williams Realty</div><div class="col1-even">Serving Southern California Counties of Riverside and San Bernardino</div><div class="col1-even">(951) 454-3805</div><div class="col1-even"><a href="http://www.lianethomas.com/"><font color="#000000">www.LianeThomas.com</font></a></div><div class="col1-even"><a href="http://www.allcoronahomes.com/">www.AllCoronaHomes.com</a></div><div class="col1-even"><a href="http://www.freeriversidehomesearch.com/">www.FreeRiversideHomeSearch.com</a></div><div class="col1-even"><a href="mailto:Liane@LianeThomas.com"><font color="#000000">Liane@LianeThomas.com</font></a></div></div></div></div><img src="http://lianethomas.point2agent.com/aggbug.aspx?PostID=206289" width="1" height="1">Real EstateMarket ConditionsFinancesBuyer Informationhome ratesinterest rateshome loan ratesfinancingfirst time home buyerrefinancefixed paymentrefirefinance adjustable rateeasy qualifyingInterest Rate Snapshot October 26, 2007http://lianethomas.point2agent.com/blogs/market_update/archive/2007/10/26/interest-rate-snapshot-october-26-2007.aspxFri, 26 Oct 2007 12:20:00 GMTc30ce404-dda7-441e-aa19-d9fe0f6c1688:205335Liane Thomas0http://lianethomas.point2agent.com/blogs/market_update/comments/205335.aspxhttp://lianethomas.point2agent.com/blogs/market_update/commentrss.aspx?PostID=205335<div class="BlogPostContent"><h4 class="BlogPostHeader"><span class="oabox-title">Posted October 26, 2007</span></h4><h4 class="BlogPostHeader"><span class="oabox-title"><img height="190" src="http://rds.yahoo.com/_ylt=A0Je5xcX3SFHRrEAFRqjzbkF/SIG=12ounqf9j/EXP=1193488023/**http%3A//www.childcares.com/indyrealty/images/interestratechartpic.jpg" width="172" /></span></h4><div class="BlogPostContent"><div class="BlogPostContent"><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title">Interest Rates are Falling!</span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title">30 Year Fixed&nbsp; 5.87%</span></div><div class="col1-hed"><span class="oabox-title">15 Year Fixed&nbsp; 5.48%</span></div><div class="col1-hed"><span class="oabox-title">5/1 Arm&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.58%</span></div><div class="col1-even">30 Year Fixed Jumbo&nbsp;&nbsp;6.53%</div><div class="col1-even">5/1 Jumbo Arm 6.01%</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank You to Bankrate.com for providing the rates!</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank you for visiting, and have a safe and happy weekend! <img alt="Cool" height="19" src="http://lianethomas.point2agent.com/emoticons/emotion-11.gif" width="19" /></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Liane Thomas, REALTOR(R)<br />Keller Williams Realty</div><div class="col1-even">Serving Southern California Counties of Riverside and San Bernardino</div><div class="col1-even">(951) 454-3805</div><div class="col1-even"><a href="http://www.lianethomas.com/"><font color="#000000">www.LianeThomas.com</font></a></div><div class="col1-even"><a href="http://www.allcoronahomes.com/">www.AllCoronaHomes.com</a></div><div class="col1-even"><a href="http://www.freeriversidehomesearch.com/">www.FreeRiversideHomeSearch.com</a></div><div class="col1-even"><a href="mailto:Liane@LianeThomas.com"><font color="#000000">Liane@LianeThomas.com</font></a></div></div></div></div><img src="http://lianethomas.point2agent.com/aggbug.aspx?PostID=205335" width="1" height="1">Real EstateMarket ConditionsFinanceshome ratesinterest rateshome loan ratesfinancingfirst time home buyerrefinancefixed paymentrefirefinance adjustable rateInterest Rate Snapshot October 22, 2007http://lianethomas.point2agent.com/blogs/market_update/archive/2007/10/22/interest-rate-snapshot-october-22-2007.aspxMon, 22 Oct 2007 13:24:00 GMTc30ce404-dda7-441e-aa19-d9fe0f6c1688:202784Liane Thomas0http://lianethomas.point2agent.com/blogs/market_update/comments/202784.aspxhttp://lianethomas.point2agent.com/blogs/market_update/commentrss.aspx?PostID=202784<div class="BlogPostContent"><h4 class="BlogPostHeader"><span class="oabox-title">Posted October 22, 2007</span></h4><div class="BlogPostContent"><div class="BlogPostContent"><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title"></span></div><div class="col1-hed"><span class="oabox-title">30 Year Fixed&nbsp; 5.96%</span></div><div class="col1-hed"><span class="oabox-title">15 Year Fixed&nbsp; 5.57%</span></div><div class="col1-hed"><span class="oabox-title">5/1 Arm&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.67%</span></div><div class="col1-even">30 Year Fixed Jumbo&nbsp;&nbsp;6.63%</div><div class="col1-even">5/1 Jumbo Arm 6.21%</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank You to Bankrate.com for providing the rates!</div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Thank you for visiting, and have a safe and happy week! <img alt="Cool" height="19" src="http://lianethomas.point2agent.com/emoticons/emotion-11.gif" width="19" /></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even"></div><div class="col1-even">Liane Thomas, REALTOR(R)<br />Keller Williams Realty</div><div class="col1-even">Serving Southern California Counties of Riverside and San Bernardino</div><div class="col1-even">(951) 454-3805</div><div class="col1-even"><a href="http://www.lianethomas.com/"><font color="#000000">www.LianeThomas.com</font></a></div><div class="col1-even"><a href="http://www.allcoronahomes.com/">www.AllCoronaHomes.com</a></div><div class="col1-even"><a href="http://www.freeriversidehomesearch.com/">www.FreeRiversideHomeSearch.com</a></div><div class="col1-even"><a href="mailto:Liane@LianeThomas.com"><font color="#000000">Liane@LianeThomas.com</font></a></div></div></div></div><img src="http://lianethomas.point2agent.com/aggbug.aspx?PostID=202784" width="1" height="1">Real EstateMarket ConditionsIndustryFinancesBuyer InformationSeller Informationhome ratesinterest ratesbuy a homefinancingfirst time home buyerrefinancerefirefinance adjustable rateeasy qualifying