Tag Archives: Westchester NY Homes

Westchester NY Homes

Mortgage refinance activity picks back up | South Salem NY Real Estate

Mortgage applications shot back up this past week as the market corrected itself in the wake of the Labor Day weekend, analysts said Wednesday morning.

Despite seasonal factors having an impact on applications, other factors remain. The market overall continues to readjust as interest rates fluctuate and analysts wait to see whether the Federal Reserve will slow down its acquisition of mortgage-backed securities and Treasurys. An update from the latest Federal Open Market Committee Meeting is expected this afternoon.

Looking at the data, mortgage applications increased 11.2% from a week earlier, the MBA said. Refinance activity also came back, growing 18% from the previous week, while the purchase index rose 3%.

Collectively, the refinance share of mortgage activity inched back up to 61% of total applications this week, up from 57% a week earlier.

Mortgage analysts are attributing the rebound in refinance applications to a recent drop in mortgage rates and a natural pick-up resulting from the end of a holiday.

“However, refinance volume remains almost 70% below the peak in early May,” explained MBA vice president of research and economics Mike Fratantoni.

He added, “The decline and rebound were also caused to some extent by the slowdown around the Labor Day holiday. Although we included an adjustment for the holiday, it did not precisely capture this slowdown.”

Handling such a volatile market, it becomes difficult to discern what happens week-over-week in the mortgage space, explained Quicken Loans chief economist Bob Walters.

“The week before, you had people on holiday, so when consumers reengaged back into their every day life a lot more people were making more decisions on their homes,” Walters noted.

He added, “Additionally, the industry had a ton of people out on vacation, which also effects such a volatile series.”

On a similar note, Ellie Mae noted that purchase loans continued to gain share in August, climbing 4% to represent 57% of all loans analyzed by Ellie.

 

 

http://www.housingwire.com/articles/26898-mortgage-refinance-activity-edges-back-up

With 8,000-plus units planned, Queens rivals Manhattan for growth | Chappaqua Real Estate

As developers make up for lost time during the recession, the New York City borough of Queens will see 60 big residential housing projects with more than 8,000 units built in the next three years, The Real Deal reports, citing its own research and estimates from brokerage Aptsandlofts.com.

Queens is just about as popular with developers as Manhattan, where an estimated 5,350 units are expected to be built during the next two years.

 

 

Source: therealdeal.com –

 

 

See more at: http://www.inman.com/wire/with-8000-units-planned-queens-rivals-manhattan-for-growth/#sthash.QtUqpGvO.dpuf

Find the Best Energy-Efficient Window Treatments | Armonk NY Homes

Windows have a huge impact on how our homes look, feel and function, so we  want to get them right. But even the best windows have a hard time doing  everything we want them to do — let in light and views, keep out the cold, etc.  Happily, homeowners can make their windows perform better by choosing  energy-efficient window treatments such as insulated curtains and blinds.

You can find some great solutions for how to make windows more  energy-efficient — and your home more comfortable — without spending a lot of  money. You can even make some insulated window coverings yourself. Find out more about how to save money and spread the cost for new windows.

Out the Window

Windows are often described as “holes in the wall” for good reason. The U.S.  Department of Energy (DOE) reports that windows typically account for 25 percent  of annual heating and cooling costs in older houses, and can even be responsible  for as much as 40 percent.

Even those of us whose homes have high-performance windows want them to work  better. “It doesn’t matter whether you get the best window in the world. The  first thing that anybody is going to do is change the way it works,” says Peter  Yost, vice president for technical services at the publisher BuildingGreen.  These changes take place with the addition of blinds, insulated shades, thermal  curtains or other coverings.

So how do we make window treatments work for us, and still be efficient? To  get the most out of our windows, we need them to be adjustable. Depending on the  season and time of day, we may want to let in as much light, heat, fresh air and  view as possible — or do our best to keep those things out — in the name of  comfort, energy efficiency and privacy.

Check the Payback on New Windows

Many window replacement options are easy to get excited about because they offer  efficiency features that can lower your energy bills. However, many  green-building professionals agree that replacement windows are usually not an  effective way to spend your money. Less expensive energy-efficient window  treatments — such as plastic sheeting and thermal curtains — are often better  bets. “If you have decent windows now, does it pay to replace them? No. They’re  not going to pay you back in energy savings,” says Ken Riead, a home-energy  rater and trainer with Hathmore Technologies in Independence, Mo.

The easiest way to find out whether you have efficient windows is to have a  home energy audit. For a few hundred dollars — a fraction of the price of  installing new windows, new wall insulation, or even a new heating and cooling  system — a home energy professional will come to your residence to evaluate  which options are a good deal by calculating the energy saved and the payback  period. Specifically regarding windows, a home energy audit will assess whether  your best investment would be new windows, storm windows, or additional  weatherstripping and caulking. (Get the full scoop at Home Energy Audits: Measure Your Energy Costs and Add Up the  Savings.)

Regardless of whether you end up replacing your existing windows, you should  look into ways of improving their performance. With the exception of storm  windows, recommendations about energy-efficient window treatments (cellular  shades, thermal panels, retractable awnings, etc.) are probably beyond the scope of a home  energy audit, so you’ll need to do some further research. Luckily, much of the  legwork has been done for you.

A good starting place is the “Weighing Your Window Options” chart (See also in Image  Gallery). As you can see, no single energy-efficient window treatment will work  for everyone. You may think the hands-down best choice is insulated cellular  shades — because the chart shows they have one of the highest possible  insulation values — but cellular shades have poor resistance to condensation,  which can be a serious issue in cold, wet climates. Indeed, any window covers  that allow warm, moist interior air to come into contact with cold glass will  cause water droplets to form — risking rot and mold on wooden window frames.  Homeowners can stop condensation from forming by creating a vapor barrier that  prevents moisture from reaching the glass’s cold surface. A window quilt (that  is, an insulated shade) made of airtight material will do the job nicely as long  as the edge of the quilt is sealed to the window frame using bottom weights,  magnetic tape, Velcro strips, or snaps and hooks. High-insulating window quilts  are an easy do-it-yourself project — but maybe you’d prefer energy-efficient  curtains that don’t block the view, ventilation and daylight. Exterior storm  windows let you enjoy both the light and view, but they don’t resist  condensation — and they’re not cheap. Old-fashioned homemade curtains are easy  to pull aside and they’re quite affordable, but they provide negligible  insulation value. Be sure you weigh the pros and cons before making your  choice.

Before you start sewing insulated curtains or budgeting to buy storm windows,  compare a range of energy-efficient window treatments at Window Coverings and Attachments, a joint project of  BuildingGreen, Lawrence Berkeley National Laboratory and the DOE. The website is  pretty slick: The tool makes suggestions based partly on the climate and  location selected by the user. For example, in cold northern climates, moisture  condensation issues need special attention, and the wrong type of window covers  can do permanent damage. To avoid problems, you should look at window treatments  rated highly for condensation resistance, and if you indicate that you live in a  northern climate, the tool will automatically default to those options. You can  also narrow the search by your preferences. If you’re only interested in  products that will provide shade in summer, the selection tool will direct you  to those types of window covers. And it provides information on warranties to  help you choose energy-efficient window treatments that are also durable.

Do It Yourself

For information on basic window repair and air-sealing, check out the book Green Home Improvement by Dan Chiras. The book gives  step-by-step instructions for caulking and weatherstripping, installing  insulated shades, and putting in your own storm windows.

Another great online resource is Build It Solar, the website managed by Gary Reysa, a retired  aircraft engineer whose DIY home-energy projects have been featured in Mother  Earth News. The website has a lot of good information on energy conservation,  including how to make windows more energy-efficient. Reysa offers links to  numerous resources, as well as details on three window covers he’s tried  himself: homemade cardboard shutters, Bubble Wrap window coverings, and fixed  interior window panels.

Finally, if you’re interested in learning more about the hows and whys of  insulated window coverings, and especially if you want to try making your own,  be sure to snag a copy of the book Movable Insulation by North  Carolina-based architect William Langdon. First published in 1980, it remains a  useful resource. (You can search online for used copies or order a reprint from Knowledge  Publications).

“Blinds, thermal shades, insulated curtains, shutters or other creative  window devices can make your windows more dynamic with regard to energy  conservation,” says Langdon. Altogether, they can help you save hundreds of  dollars on heating and cooling costs and raise the comfort level inside your  home.

Read more: http://www.motherearthnews.com/print.aspx?id={925AA504-40C4-45C6-A4B5-AA6366FD411C}#ixzz2hhqSQ8Lf

Brooklyn home prices hit 10-year record high | Pound Ridge Realtor

Brooklyn is no longer the place to buy a home when you can’t afford Manhattan.

Homes in the Borough of Kings are selling at record-high prices, thanks to surging demand and low-but-rising mortgage rates, according to new real-estate figures.

Before the economic meltdown, the average price of a Brooklyn home hit $603,428 in 2007 — then sank to $494,720 in 2009 — but has rebounded to a stunning $694,777, according to the Elliman Report.

“It isn’t a discount neighborhood anymore,” said Pam Liebman, CEO of The Corcoran Group.

Pricey Manhattan homes are helping to drive buyers across the Brooklyn Bridge, but many are attracted to the hipster borough because it’s become an attractive place to live.

“Brooklyn is commanding record sales because it is truly a destination. People no longer view it as an alternative to living in Manhattan,” said Dottie Herman, president and CEO of Douglas Elliman Real Estate.

Liebman concurs.

“People are choosing to go to Brooklyn for the lifestyle. It’s not your father’s Brooklyn anymore,” she said.

“It’s percolating in every neighborhood,” Herman said. But some percolate more than others.

For example, in Carroll Gardens/Boerum Hill/Red Hook, co-op sales average $937,000, up 41 percent from the same quarter last year.

Condos in Williamsburg/Greenpoint now average $914,000, up 21 percent over the year, according to Cor­coran.

Upper-end luxury homes jumped to a median sales price of $1.7 million borough-wide, an increase of 18 percent.

Brooklyn is “hot because of all the restaurant openings, Barclays Center,” said Frank Percesepe, regional senior vice president, Brooklyn for Corcoran. “So many commercial neighborhoods are getting new buildings, and they are getting turned around into beautiful neighborhoods.”

Meanwhile, even if you can afford a Brooklyn home, it’s harder to find one. Inventory is at its lowest third-quarter level in five years. And what’s available is relatively new.

 

 

http://nypost.com/2013/10/10/brooklyn-home-prices-hit-10-year-record-high/

Kitchen of the Week: Paring Down and Styling Up in a Pennsylvania Tudor | Waccabuc Real Estate

ill Unruh’s 80-year-old Tudor was designed by renowned Philadelphia architects Wallace and Warner, but you wouldn’t have known it from the kitchen. Dark granite and other 1980s touches belied the home’s style heritage, which Unruh was eager to restore.
With help from contractor Kyle Lissack, Unruh stripped the kitchen of all of its finishes and started from scratch. The new space focuses on streamlined simplicity, with the contents limited to what the family uses on a daily basis. “The more space for junk you have, the more likely it is that you’ll keep it,” Unruh says.
Kitchen at a Glance Who lives here: Jill Unruh, her husband and their 2 young sons Location: Bryn Mawr, Pennsylvania Contractor: Kyle Lissack, Pinemar Size: 308 square feet

transitional kitchen by Pinemar, Inc

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Simple subway tile covers the entire back wall from floor to ceiling. Even the range hood is wrapped in drywall and tiled over. “I didn’t want the eye to see all this stainless steel,” Unruh says.
The tile makes for easy cleaning, particularly around the cooking area.
Backsplash: Daltile; range: Wolf; countertops: statuary marble; cabinetry: custom by Pinemar
transitional kitchen by Pinemar, Inc

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Despite the kitchen’s spaciousness, Unruh and Lissack limited themselves to minimal counters and cabinets. This simple approach to storage prompted Unruh to get rid of all unnecessary items.
The open shelves are painted a custom navy blue to add dimension to the neutral room.
transitional kitchen by Pinemar, Inc

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Unruh keeps her most-used items on display for easy access; everything else is tucked away in cupboards and the mudroom pantry. Pullout shelves next to the refrigerator store after-school snacks; the sliding function makes it easy for the kids to find what they need without getting in the way of dinner prep.
Sink: Cotswold, Just Sinks; wood countertops: edge grain maple, Grothouse Lumber; flooring: flat-sawn white oak; faucet: Waterstone; refrigerator: Sub-Zero
transitional kitchen by Pinemar, Inc

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The kitchen cabinetry used to loop all the way around the kitchen, leaving just a small spot for a 30-inch oven. Eliminating the cabinetry in this corner created room for a little workspace with appliance garages and an area for a Wolf range.
transitional kitchen by Pinemar, Inc

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This nook on the back wall once opened to a servant’s staircase to the second floor. But the steps were so steep and narrow that Unruh knew her family wouldn’t use them. So she and Lissack closed off the top of the staircase and replaced the door at the bottom with a custom bar. The cupboard beneath opens to reveal the steep original stairs, which the family uses for bar storage.
Wine cooler: Liebherr

9 Strategies for Self-Sufficient Living | Pound Ridge NY Homes

 

When you grow your own food, generate your own energy, and work from a home  office or farm for your livelihood, the so-called “costs of living” largely  disappear. You become untethered to the work-earn-spend consumer economy and  thrive, instead, in a more locally centered, self-sufficient economy in which  monetary income is less essential for a rich life. Making this self-sufficiency  dream a reality has been our goal since my wife, Lisa Kivirist, and I moved to  our 5 1/2-acre farmstead in southwestern Wisconsin in 1996.

Self-reliant living can take many forms. You can provide your own food and  energy and be your own barber, repair person, home-school teacher, house  cleaner, painter, and child care provider. By running a home-based business, you  can generate the money needed to obtain essential products or services you’re  unable to produce for yourself.

Transitioning to self-sufficient living requires research and planning. But  have no fear: You can get started today, wherever you live and with whatever  resources and skills you already have.

The Journey to Self-Reliance Begins

Today, our one-third-acre garden meets about 70 percent of our food needs. A  wind turbine and a photovoltaic system generate a surplus of electricity  annually. Our home-based enterprises include running a bed-and-breakfast named  Inn Serendipity, consulting for various nonprofit organizations, and writing  books about sustainable living. A modest farmhouse houses both our family and  our businesses. But it didn’t start out this way.

We moved to our farm from Chicago, newly married and eager to begin our quest  to reclaim the skills and services that we had been buying from others for so  long. We wanted to break free from our fossil fuel addiction and sequester more  carbon dioxide than we emit each year. We knew these goals would take years to  achieve. Here are the strategies we have followed to make our vision a  reality.

1. Be Frugal

Practice financial discipline by making a commitment to frugality. Forgoing  luxuries, such as satellite TV and smartphone service, allows us to live below  our means. We’ve never owned a new car or carried a balance on our credit  card.

Why rent a movie when you can get it free from the library? “Shop” at  clothing swaps, where you drop off the clothes your children have outgrown while  picking up something new for yourself. We chop cords of firewood with neighbors  and enjoy cooking with our Sun Oven solar cooker. The combined savings from  these creative ways to share and use free resources, along with our food and  energy production, allowed us to pay off our mortgage.

With our mortgage retired, we can live on about $10,000 a year. When we do  purchase items, they’re high-quality and durable — many with warranties for a  decade or more — and are bought from cooperatives when possible. As for  retirement, why would we want to stop what we love doing?

2. Think Long-Term and Stay Put

Commit to a permanent location and develop a long-term vision. You will want  to have a practical plan that you can achieve over a time period appropriate to  your current stage of life. Taking on a project in your 50s that would require  years to see through is not the same as doing so in your 20s. Be reasonable and  honest with yourself regarding your abilities and project time frames.

We plotted our journey to self-reliance by the decade, leaving ample time to  figure out projects big and small, from how to plant potatoes to how to take  advantage of renewable energy incentives that made our home energy systems  possible. We also factored in time to persevere when setbacks occurred — which  they did, such as when a severe windstorm damaged all three blades on our wind  turbine. We typically only take on one or two major self-sufficiency projects a  year.

3. Get Back to Basics

Deciding where to start your journey can feel overwhelming. If you’re like we  were — strung out on lattes, hunkered down in cubicles at stressful big-city  jobs, living off biweekly paychecks — simply finding the time to think through  the how, where and when is challenging. Raising kids  and paying a mortgage or student loans can add to the stress.

 

 

 

Read more: http://www.motherearthnews.com/print.aspx?id={2A393461-2F16-4817-B2C4-914EB682EA48}#ixzz2hQ4dgvr0

17 Social Media Books That Will Make You a Smarter Marketer | Bedford Corners Homes

Are you looking for a few good books to improve your marketing?

Wondering what books your peers are raving about?

Look no further.

We asked our authors to share the social media marketing books they’ve recently enjoyed reading–ones with useful relevant takeaways.

In this article, you’ll discover 17 books to help you improve your social media marketing recommended by social media pros.

#1: Your Customer Creation Equation

andy crestodinaAndy Crestodina

I love Brian Massey’s Your Customer Creation Equation. It’s a concise, clear-sighted overview of visitors and actions. It explains the how and why of conversions and measurement. And it’s all done in simple terms with relevant examples.

your customer creation equationBrian also covers social media, but in the context of conversion. He reminds us that conversion does not necessarily lead to action. So he encourages us to take a practical approach to social media by focusing either on conversation or content, depending on our business. Smart!

There are different types of websites with different types of visitors. Each type has its own “formula.” You need to first understand what type of site you have before you start work in the “laboratory.”

The key to optimizing your conversion rate is experimentation. Noticing a theme? Brian even calls himself a “Conversion Scientist.” He’s clearly a strong advocate of testing.

Andy Crestodina, principal, strategic director at Orbit Media.

#2: Epic Content Marketing

ian clearyIan Cleary

We talk a lot about producing content, but are we producing the right type of content, targeted at the right audience, delivered in the right format that accomplishes our business goals?

epic content marketing

Joe Pulizzi’s book, Epic Content Marketing, is essential reading if you’re a content marketer. It takes you through all of the necessary phases of producing a content marketing strategy. Without a clear content marketing strategy, you’ll end up producing content for the sake of content and it won’t achieve your business goals.

“Content marketing is the marketing and business process for creating and distributing content to attract, acquire, and engage a clearly defined and understood target audience with the objective of driving profitable customer action.” – Joe Pulizzi

One of my key takeaways from this book is the importance of a content segmentation grid. This is a combination of the stages of your sales process and the content required at each stage.

As Joe says, it’s not a case of just producing content as a ‘spray and pray’ approach similar to advertising. You need to produce content that is relevant for each stage of the buying cycle.

Ian Cleary, founder of RazorSocial.

john lee dumasJohn Lee Dumas

Epic Content Marketing by Joe Pulizzi does an incredible job of helping entrepreneurs define their content niche.

I believe not having a defined content niche is what derails most entrepreneurial efforts. With this book, I was able to define EntrepreneurOnFire’s niche in a powerful way.

John Lee Dumas, founder and host of EntrepreneurOnFire.

#3: Spreadable Media

lisa peytonLisa Peyton

Spreadable Media, by Henry Jenkins, Sam Ford and Joshua Green, is a must-read for any marketer who has been tasked with creating ‘viral’ content. Henry Jenkins, known as the father of Transmedia Storytelling, and the other authors do an amazing job of breaking down the fallacies surrounding the concept of ‘virality,’ and instead offer up the concept of ‘spreadability.’

spreadable media

The book is a refreshing bird’s-eye view of how to make content that connects with your audience. Instead of viewing audience members as passive consumers of content, Spreadable Media suggests that the audience plays an active role in the distribution and meaning of your content.

This might make some marketing managers uncomfortable, but the authors lay out strong evidence that passive consumers are a thing of the past. The companies that connect with the audience and empower them to improve and reuse content are the companies that are cutting through the noise.

They also delve into tactics, including information and how new technology can contribute to ‘spreadability.’ They outline several factors including content availability, portability, reusability and relevance that help create the foundation for spreadable content.

Lisa Peyton, leader in the field of digital marketing and editor at ThoroughlyModernMarketing.com.

 

 

 

http://www.socialmediaexaminer.com/17-social-media-marketing-books/

For the love of taste! | Chappaqua Real Estate

ShopperMasthead_Update

Fresh Food from Local Sources – October 10th-16th, 2013 Down to Earth Markets
What’s New, In Season, and On Sale This Week
Apples Alex’s Tomato Farm                                     Migliorelli Farm                                     Rexcroft Farm Taliaferro Farm Apple Pear Walnut Crumb Pie Pie Lady & Son
Apple Plum Pie
Pie Lady & Son
Arugula John D. Madura Farms R & G Produce
Barney’s Cornershop Beef Robinson & Co. Catering Services
Broccoli Migliorelli Farms
Brussel Sprouts                                     Dagele Brothers Produce Butternut Squash Ravioli Trotta Pasta Cauliflower Mead Orchards Taliaferro Farm
Cranberry Galette Baked by Susan Dandelion Greens John D. Madura Farms Frozen Kofta, Rajma, Saag,                                     & Samosa **$2 OFF when you buy four products from frozen/chutney selections!** Bombay Emerald Chutney Company
Gluten-Free Raisin Cinnamon                                     Swirl Bread Meredith’s Bread
English Cucumbers Rexcroft Farm
Garlic Migliorelli Farm
Halloween Cupcakes Baked by Susan
Kohlrabi John D. Madura Farms                                     Migliorelli Farm
Poblano Peppers Taliaferro Farm
Potatoes John D. Madura Farms

Claims Cause Hefty Hikes in Homeowners’ Premiums | South Salem NY Real Estate

Insurance claims can cause significant increases in on homeowners’ policies according to the state where they are located according to a new study commissioned by insuranceQuotes.com

Using a hypothetical two-story, single family home covered for $144,000 with a $500 deductible, the study revealed that how much annual premiums can rise following the filing of a claim for  fire, hail, liability, medical, theft, vandalism, water (non-weather related), weather (except for hail and wind) and wind.

According to the study, U.S. families who file a single homeowner’s insurance claim can expect their annual premium to increase 9 percent (or about $150). However, premium increases varied greatly by state.  Homeowners who file a single claim in Minnesota can expect their annual premium to increase, on average, by 21 percent. Conversely, filing a single claim in Texas won’t result in any premium increase.

According to the latest data from the National Association of Insurance Commissioners (NAIC), the average cost of home insurance increased 36 percent between 2003 and 2010, which is almost twice the rate of inflation.   The study’s findings come at a time when most U.S. families are already experiencing an increase in their homeowner’s insurance premiums across the board.

The following five states showed the greatest average premium increase as a result of filing one claim:

1. Minnesota – 21 percent increase

2. Connecticut – 21 percent increase

3. Maryland – 19 percent increase

4. California – 18 percent increase

5. Oregon – 17 percent increase

Meanwhile, the following five states, on average, showed the smallest percentage premium increase as a result of filing one claim:

1. Texas – 0 percent increase

2. New York – 1 percent increase

3. Florida – 2 percent increase

4. Vermont – 2 percent increase

According to the study, premiums in 31 states and the District of Columbia increased by an average of 10 percent or more after filing a single claim. What’s more, only 18 states fell below the national average increase of 9 percent. 5. Massachusetts – 2 percent increase

“For homeowners in states where premiums are going up by more than 10 percent for a single claim, that’s a bit troubling,” says Bob Hunter, former Texas Insurance Commissioner and current director of insurance at the D.C.-based Consumer Federation of America, a consumer advocacy organization.

The reasons behind why there is such a disparity from state to state are varied and nuanced, says Chris Hackett, director of personal lines policy at the Property Casualty Insurers Association of America, an insurance trade association. According to Hackett, rate swings between states come from several factors, including the nature and severity of claims filed in a given state, as well as the different ways in which insurance is regulated from state to state.

 

 

http://www.realestateeconomywatch.com/2013/10/claims-cause-hefty-hikes-in-homeowners%e2%80%99-premiums/

Mortgage rates drop for 3rd straight week amid shutdown fears | Bedford Real Estate

The government shutdown — which the CEO of the Mortgage Bankers Association said today is stoking “confusion and fear” among borrowers — helped drive down mortgage rates to their lowest level in more than three months, according to Freddie Mac’s latest Primary Mortgage Market Survey.

Rates on 30-year fixed-rate mortgages averaged 4.22 percent with an average point of 0.7 for the week ending Oct. 3, down from 4.32 percent last week but up from 3.36 percent a year ago, Freddie Mac reported.

“With the onset of the federal government shutdown and declining consumer confidence, fixed mortgage rates fell for the third consecutive week,” said Frank Nothaft, vice president and chief economist at Freddie Mac. “Consumer sentiment fell for the second month in a row in September to its lowest reading since April, according to the University of Michigan.”

Rates on 15-year fixed-rate mortgages and five-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) loans also decreased, while rates on one-year Treasury-indexed ARMs stayed flat.

 

 

Source: Freddie Mac

 

– See more at: http://www.inman.com/wire/mortgage-rates-drop-for-3rd-straight-week-amid-shutdown-fears/#sthash.c2iOUc4v.dpuf