Gulf Shores, Orange Beach, and Fort Morgan, Alabama Real Estate, Homes, and Condos
From the monthly archives:
A recent article in The New York Times Great Homes and Destinations section featured Gulf Shores and Orange Beach, Alabama. While many of the readers here already know the treasure we have here in LA (Lower Alabama!), all readers will enjoy this timely article.
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Mortgage Bonds are trading slightly to the negative this morning, with stocks relatively flat as well. There is no significant economic data due out today, so it should probably be pretty quiet in the financial markets. At the pump, gas hit a 5 year low with a national average of $1.66 per gallon (just in time for holiday travel).
I don’t expect a lot of volatility this week since the exchange shuts down early for the holidays. As you get ready for this holiday season, remember the things most important to you, and if your answer has the word Xbox anywhere in it, you should re-evaluate. Have a Merry Christmas!!
For more information about your loan, call Steve Russell with Primary Residential Mortgage at 850-221-8334. Or visit www.SteveRussellOnline.com.
Steve Russell
Mortgage Banker
Primary Residential Mortgage
850-497-6325 Office
850-221-8334 Cell
*Rates are subject to change without notice. Click here for the specifics on the rate quotes listed above.
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Boy…What a week!
We started out really well, then the fed meeting results came out with the lowest federal funds rate in the history of the federal reserve at .25%. That’s right, the banks are now borrowing their money at .25%. At one point on Tuesday, I was quoting rates at 4.75% with no points and 4.25% with 1% origination. Can you believe that?!
Then the air let out of the balloon on Wednesday as bond traders got nervous and we are back to the low 5% range with no points. Try not to cry over a terrible rate of 5% (wink), but the volatility in the market is a
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The following is from the Lower Delta Partnership December 2008 Newsletter:
On Wednesday, December 3 at 10:30 a.m., Rolling Fork joined the Mississippi Blues Trail with a marker
dedicated to McKinley Morganfield, a.k.a. Muddy Waters. The marker dedication will take place near the corner of Martin Luther King Blvd. and Walnut Streets in Rolling Fork; the public was invited.
Born April 4, 1915, near Rolling Fork, MS Blues great, Muddy Waters, took Chicago by storm in the late
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 Are you on the same wavelength
Do you have the tools you need to capture and convert your online customers (and aren’t they all online these days)? Because technology is now a core part of our real estate businesses, I wanted to share SHIFT’s Internet Lead Generation Model with you. I would also love to tell you about all the technology training, tools and resources that Keller Williams Realty offers - all for just $10 a month. Customizable Websites, national IDX, not to mention free leads from all your listings on the Web. I think SHIFT would offer you even more ideas and strategies for making the most out of your Web presence and Keller Williams Realty’s technology tools could put it all into action. Are you ready to make a shift? Let’s get together soon! Call me. Yours in Service,
Rachel Tullier
Team Leader
Keller William Alabama Gulf Coast
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Only in Mississippi. Â It’s all true, y’all!
1. You can properly pronounce Kosciusko, Ackerman, Gautier and Belzoni.
2. You think people who complain about the heat in their states are sissies.
3. A tornado warning siren is your signal to go out in the yard and look for a funnel.
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In reality, there is a process involved with locking a rate that involves pulling credit, running the application for an approval, registering a loan number, and then running the file through a “pricing engine” to get and secure the actual rate lock based on market conditions.
Today, I had a customer that had been non-committal for the last couple of days shopping for the best rate.
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Well it is time for my friend Kevin Koitz to put his nose to the grind stone! Serving the Washington DC Real Estate Market as well as Bethesda MD Real Estate Market, Kevin and his Koitz Group have been preparing for the arrival and departure of administrations regardless of who won any of the hundreds of elections.
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Christmas is near and Santa’s elves are hard at work delivering low mortgage rates for all the good boys and girls. The Fed meets tomorrow and Wednesday with the expectation of dropping the federal funds rate by .50% virtually a lock. In addition, analysts say there is nearly a 70% chance they will drop the federal funds rate by .75%. Since the Federak Funds Rate is already at 1%, they are getting closer and closer to paying financial institutions to take money (wink, that will never happen).
Since the immediate reaction in the mortgage market to a reduction in the federal funds rate is often negative, be prepared for some volitility in the mortgage bond market this week. The rates below are as of 4:00 Central Time on 12/15/08:
For more information about your loan, call Steve Russell with Primary Residential Mortgage at 850-221-8334. Or visit www.SteveRussellOnline.com.
*Rates are subject to change without notice. Click here for the specifics on the rate quotes listed above.
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