Mortgage backed securities opened up yesterday much higher than the prior day which led to many lenders issuing aggressive rate sheets. After reaching a peak in price in the morning, MBS gradually moved lower erasing the morning gains but still closing higher than the day before. Following the price decline, most lenders did reprice for the worse slightly increasing consumer borrowing costs.

This morning the Mortgage Bankers’ Association released their weekly applications index...

In 2009 :
Lo : 35 °
Hi : 47 °
Rainfall : 0.08 “ Rain Fell during the 12 - 6 a.m. & 10 - 11 p.m. hours

In 2008 :
Lo : 20 °
Hi : 37 °
Rainfall : 0.00 ”

In 2007 :
Lo : 40 °
Hi : 63 °
Rainfall : 0.08 “

In 2006 :
Lo : 16 °
Hi : 36 °
Rainfall : 0.00 “

In 2005 :
Lo : 22 °
Hi : 43 °
Rainfall : 0.00...

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Much of the negotiating room depends on many things like how long it's been on the market, how desirable the location, condition of the home, etc. I usually pull comparable properties to see where the pricing should be and where to begin negations.

Most of your costs would be born from the lender. So if you have no lender your costs would be minimal.

You would have proration of taxes. To figure this out you take the taxes for the year and divide by 365 and then you...

1.What is the real lowdown on snakes? Bugs I can handle, but last night I started looking up snakes in the area and was overwhelmed by what I found. How often, in reality, do you run across snakes and how large are they? I don't plan on gardening myself and have 2 large dogs so the yard will be kept really low, etc...of course the usual deflections but please, PLEASE give me the real low down on the snake issue. Would my cat be safe? We don't have large snakes here so I am still learning how to...