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Thursday, June 19, 2008

Jumbo-Conforming Rate Spread Narrows

From Realtor Magazine Online, Daily Real Estate News June 19, 2008

Interest rates on certain types of jumbo loans are finally dropping out of the stratosphere.

Rates on jumbo-conforming loans, which were approved by Congress in February for use through the end of 2008, are currently 6.59 percent, according to HSH Associates in Pompton Plains, N.J., compared to an average of 6.46 percent for similar loans with smaller balances. Non-conforming jumbos are averaging 7.4 percent.

At J.P. Morgan Chase & Co., the volume of jumbo-conforming applications has doubled since prices began to fall in early May. For some California lenders, jumbo-conforming loans now account for as much as 25 percent of applications, says Pete Ogilvie, president of the California Association of Mortgage Brokers.

"Most of the activity is in purchases, which is nice because it opens up the market for entry-level homes," Ogilvie says.

Source: The Wall Street Journal, Ruth Simon (06/19/2008)

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