Interest Rate Volitility - Again

When it comes to interest rate volatility, it's like refinance mania all over again.

During the days of refinance mania 2004 we watched the interest rates change daily. Some days the rates changed multiple times. We felt the stress of lengthened closing times and extended underwriting times.

While the reasons for today's interest rate volatility, daily multiple rate changes and lengthened closing times are completely different from the days of the 2004 refinance mania, the effect is the same when it comes to your real estate transactions.

These days the rate volatility is being caused by the skittish stock market and their knee jerk reactions. As I see it, the (multiple) daily interest rate adjustments are due to lenders covering their assets and the lengthened closing times can be blamed on the new June 1st, 2009 appraisal HVCC requirements.

So, how can you position yourself for success in these volatile times? Simple, plan ahead! 

With the light at the end of the tunnel and the bottom of the housing market in sight we all need to start thinking about how we can take advantage of the current housing opportunities. The reduced interest rates and low home prices can be considered a once in a lifetime opportunity, we need to plan our next investment now. Whether you invest in the real estate market or ... (anything but) your mattress, you must plan your attack. Being prepared is the key to your success.

There are couple easy "plan ahead" steps you can take to avoid undue stress when managing your personal finances and investments.
1) know you credit scores - if not great, tweak them now - your money depends on this
2) budget - if the market is unstable make your financial status stable
3) make a plan and give yourself ample time to succeed
4) if you have problems or questions on how to get started call an expert

We feel that those of you that are qualified to purchase real estate, now is the time. Call us to discuss your options.

We look forward to hearing from you. Contact us at marcia@minocquamortgage.com or www.minocquamortgage.com


 

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