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Monday, May 31, 2010

Inside Lending Newsletter From Theron Wall

 

Inside Lending from Theron Wall

visit my website     email me now

Theron Wall

Theron Wall
Branch Manager
3615 Crossings Dr, Suite A
Prescott, AZ 86305
Phone: (928) 778-7167
Mobile: (928) 533-7473
Fax: (928) 445-5308

Wallick & Volk Mortgage

For the week of May 31, 2010 – Vol. 8, Issue 22

>> Market Update 

INFO THAT HITS US WHERE WE LIVE  For the third month in a row, Existing Home Sales beat expectations, UP 7.6% for April and UP 22.8% over a year ago. A lot of the gain was put to the tax credit expiration that required a signed contract by April 30. But buyers have till June 30 to close, so observers feel sales will probably increase for the next couple of months, then take a short break before rising again. Inventories were up from 8.1 to 8.4 months, but this is similar to April gains in prior years, rather than evidence of some huge "shadow inventory" hitting the market. Meanwhile, the median price for an existing home went to $173,000, up 4.0% from a year ago.

April New Home Sales shot UP 14.8%, reaching a 504,000 annual rate, their highest level since May 2008. The supply fell to 5.0 months in March and inventories dropped to 211,000 -- their lowest level since 1968, down 63.1% from their mid-2006 peak. The tax credit expiration also contributed to these great numbers. But the fact remains, new homes are now significantly more affordable, thanks to prices that are the lowest since 2003 and extremely low mortgage interest rates.

Two home price indicators gave mixed signals. The Case-Shiller index for the 20 top metro areas was down 0.5% for March but UP 2.3% for the year. The FHFA price index for homes bought with conforming mortgages was UP 0.3% for the month but down 2.2% for the year.

>> Review of Last Week

THANK YOU, CHINA... Call it a somewhat volatile week in the stock markets, as investors continued to fret over Europe's financial health, the Gulf oil spill and North Korea. Then Thursday China stepped in as a solid buyer of Eurozone bonds, giving Wall Street ample reason to calm down, leaving two major indexes up for the week, with the Dow off just 0.6%.

We continue to get good factory data, with the Richmond Fed manufacturing index at +26 for May indicating continued expansion in the Mid-Atlantic region. The Chicago PMI manufacturing index also showed growth, though slightly slower than the month before. Durable Goods were UP 2.9% for April and UP 18.9% over a year ago. Especially encouraging, orders for capital goods used in production were UP 7.4% for April and UP 30% over a year ago, one of the steepest annual boosts in the last 20 years. 

Real Q1 GDP was revised down slightly to 3.0% annual growth. But Q1 corporate profits grew at a 24% annual rate and are UP 31% over a year ago. Economists expect these profits to boost hiring and business investments. Q1 prices were up only 1% annually, so inflation is still under control. April Personal Income came in UP 0.4% and Personal Consumption was flat, but economists feel it's normal for consumers to take a break every few months. University of Michigan Consumer Sentiment was UP to 73.6.

For the week, the Dow ended down 0.6%, to 10136.63; but the S&P 500 was UP 0.2%, to 1089.41 and the Nasdaq was UP 1.3%, to 2257.04.


Bonds also had an up-and-down week, finally recovering on Friday to end in pretty good shape. The FNMA 30-year 4.5% bond we watch closed down 13 basis points for the week, ending at $102.03. National average mortgage rates continued near record lows, according to Freddie Mac's weekly survey. Their Chief Economist feels this should soften the effect of the expiration of the homebuyer tax credit.

>> This Week’s Forecast

LOOKING FOR JOBS... The economic news of the week is dominated by the May employment report on Friday. Expectations are that a substantial number of jobs will be added, but increases in the workforce population will cut the unemployment rate by just 0.1%. On our way to this big news, we'll be interested to check out April Pending Home Sales, which should continue to show gains. Tuesday's ISM manufacturing read and Thursday's ISM Services and revised Q1 Productivity should also provide more support for our continuing recovery. 

>> The Week’s Economic Indicator Calendar

Weaker than expected economic data tends to send bond prices up and interest rates down, while positive data points to lower bond prices and rising loan rates.

Economic Calendar for the Week of May 31 – June 4

 Date

Time (ET)

Release

For

Consensus

Prior

Impact

Tu
Jun 1

10:00

ISM Index

May

58.9

60.4

HIGH

W
Jun 2

10:00

Pending Home Sales

Apr

3.5%

5.3%

Moderate

W
Jun 2

10:30

Crude Inventories

5/29

NA

2.46M

Moderate

Th
Jun 3

08:30

Initial Unemployment Claims

5/29

455K

460K

Moderate

Th
Jun 3

08:30

Continuing Unemployment Claims

5/22

4.600M

4.607M

Moderate

Th
Jun 3

08:30

Productivity–Rev.

Q1

3.4%

3.6%

Moderate

Th
Jun 3

10:00

ISM Services

May

55.5

55.4

Moderate

F
Jun 4

08:30

Average Workweek

May

34.1

34.1

HIGH

F
Jun 4

08:30

Hourly Earnings

May

0.1%

0.0%

HIGH

F
Jun 4

08:30

Nonfarm Payrolls

May

500K

290K

HIGH

F
Jun 4

08:30

Unemployment Rate

May

9.8%

9.9%

HIGH

 

>> Federal Reserve Watch   

Forecasting Federal Reserve policy changes in coming months  The sense among economists is becoming stronger that the Fed will hold interest rates at current levels through the end of the year, as inflation stays tame. Note: In the lower chart, a 1% probability of change is a 99% certainty the rate will stay the same.

Current Fed Funds Rate: 0%–0.25%

After FOMC meeting on:

Consensus

Jun 23

0%–0.25%

Aug 10

0%–0.25%

Sep 21

0%–0.25%


Probability of change from current policy:

After FOMC meeting on:

Consensus

Jun 23

     2%

Aug 10

     7%

Sep 21

     11%

 

This e-mail is an advertisement for Theron Wall. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice, or a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. The material contained in the newsletter is the property ofWallick & Volk Mortgage and cannot be reproduced for any use without prior written consent. It is designed for real estate and other financial professionals only. It is not intended for consumer distribution. The material does not represent the opinion of Wallick & Volk Mortgage. BK 0018295


Equal Housing Lender  

 

This is not the opinion of Brad Bergamini, Realty Executives Northern Arizona or any of its affiliates.  This post is for informational purpose only and is not guaranteed and does not render as legal advice.  Buying and selling Real Estate in Arizona or Prescott Arizona is a serious task and should be consulted with personally with Realtor or Real Estate Attorney.  Please visit my website for contact information

http://bradbergamini.com

 

 

Weekly Rate Lock Advisory

Rate Lock Advisory - Sunday May. 30th



This holiday-shortened week brings us the release of five important economic reports for the markets to digest. Two of the five are considered to be of very high importance to the bond market and mortgage rates. The remaining reports are considered to be of moderate importance to the markets. The financial and mortgage markets will be closed tomorrow in observance of the Memorial Day holiday and will reopen Tuesday morning.

The Institute for Supply Management's (ISM) manufacturing index will be posted late Tuesday morning. This highly important index measures manufacturer sentiment. A reading above 50 means that more surveyed manufacturing executives felt that business improved during the month than those who felt it had worsened. Analysts are expecting to see a 58.9 reading in this month's release, meaning that sentiment fell slightly during May. A smaller reading will be good news for the bond market and mortgage shoppers while an unexpected increase could contribute to higher mortgage rates Tuesday.

There is no relevant data scheduled for release Wednesday, making it the best candidate for the least important day of the week. This is no guarantee that we will not see a change in mortgage rates Wednesday, but it will likely be much less active than some of the other days.





The revised 1st Quarter Productivity and Costs data is the first of three reports that will be released Thursday morning. This data measures employee output and employer costs for wages and benefits. It is considered to be a measurement of wage inflation. It is believed that the economy can grow with low inflationary pressures when productivity is high. Last month's preliminary reading revealed a 3.6% increase, but I don't think this piece of data will have much of an impact on the bond market or mortgage pricing unless it varies greatly from its forecasted revised reading of 3.4%.

The second releas e of the day will come from the Commerce Department, who will post April's Factory Orders data during late morning trading. This manufacturing sector report is similar to last week's Durable Goods Orders release, but also includes orders for non-durable goods. It can cause some movement in the financial markets if it varies from forecasts by a wide margin, but it isn't expected to cause much change in rates this month. Current forecasts are calling for an increase in orders of 1.7%.





The third report of the day may have a noticeable impact on the markets or be a non-factor depending on its results. The Institute for Supply Management will release its services index late Thursday morning. It is expected to show a reading of 55.5, with the same principals as Tuesday's manufacturing index. If this reading varies greatly from forecasts, we may see volatility in the markets and mortgage rates. However, if its results are in the general area of expec tations, it will likely have no influence on the markets and mortgage pricing Thursday.

Friday's sole report is arguably the single most important report that we see each month. The Labor Department will post May's Employment data early Friday morning. This report gives us key employment readings such as the U.S. unemployment rate and the number of jobs added or lost during the month. Analysts are expecting to see the unemployment rate slip from 9.9% in April to 9.8% this month with approximately 500,000 jobs added to the economy during the month. A higher than expected unemployment rate and a smaller number than 500,000 in new payrolls would be great news for the bond market. It would probably create a sizable rally in bonds, leading to lower mortgage rates Friday. However, stronger than expected numbers may lead to a spike in mortgage rates Friday morning.

Overall, Tuesday or Friday are likely to be the most important days of the week as they bring us the two most important reports on the agenda. If they give us weaker than expected results, we could close the week with lower mortgage rates than Tuesday's opening levels. However, if we see stronger than expected readings in those two releases, I expect mortgage rates to move higher on the week. But that is very much dependant on seeing a relatively calm week in stocks. As we have seen the past two weeks, the overseas concerns and stock market volatility can heavily influence bond trading and mortgage rates and significantly minimize the impact that these economic reports normally have on rates. Accordingly, it would be wise to maintain contact with your mortgage professional if still floating an interest rate.

If I were considering financing/refinancing a home, I would.... Lock if my closing was taking place within 7 days... Lock if my closing was taking place between 8 and 20 days... Lock if my closing was taking place between 21 and 60 days... Lock if my c losing was taking place over 60 days from now... This is only my opinion of what I would do if I were financing a home. It is only an opinion and cannot be guaranteed to be in the best interest of all/any other borrowers.

©Mortgage Commentary 2010

 

This is not the opinion of Brad Bergamini, Realty Executives Northern Arizona or any of its affiliates.  This post is for informational purpose only and is not guaranteed and does not render as legal advice.  Buying and selling Real Estate in Arizona or Prescott Arizona is a serious task and should be consulted with personally with Realtor or Real Estate Attorney.  Please visit my website for contact information

http://bradbergamini.com

 

 

Economic Roundup: May 31, 2010

 

 


In the News

Existing home sales were once again on the rise in April, with completed sales transactions of single-family homes, townhomes, condominiums and co-ops increasing 7.6 percent, the National Association of REALTORS® (NAR) reported last week.
 
The increase put April's sales pace at a seasonally adjusted annual rate of 5.77 million units, compared to March's 5.36 million units. While the increase was encouraging news, the jump was also expected.
 
"The upswing in April existing-home sales was expected because of the tax credit inducement, and no doubt there will be some temporary fallback in the months immediately after it expires, but other factors also are supporting the market," said NAR's chief economist Lawrence Yun. "For people who were on the sidelines, there's been a return of buyer confidence with stabilizing home prices, an improving economy and mortgage interest rates that remain historically low."
 
In terms of pricing, the national median existing-home price for all housing types in April was $173,100. Total housing inventory at the end of April rose 11.5 percent to 4.04 million existing homes available for sale, which represents an 8.4-month supply at the current sales pace, up from an 8.1-month supply in March.
 
Meanwhile, sales of new single-family homes in April were at a seasonally adjusted annual rate of 504,000, according to estimates released jointly last week by the Census Bureau and the Department of Housing and Urban Development. April's performance was 14.8 percent above March's revised rate of 439,000.
 
The median sales price of new houses sold in April was $198,400. The seasonally adjusted estimate of new houses for sale at the end of April was 211,000, which represents a supply of five months at the current sales rate.
 
Like the upswing in real estate performance, the Conference Board reported that its Consumer Confidence Index for May saw a third consecutive monthly gain. The Index now stands at 63.3, up from 57.7 in April.
 
"Consumers' apprehension about current business conditions and the job market continues to slowly dissipate," said Lynn Franco, director of the Conference Board's Consumer Research Center. "Consumers' expectations, on the other hand, have increased sharply over the past three months … The improvement has been fueled primarily by growing optimism about business and labor market conditions."
 
This week, keep an eye on the headlines for news updates on construction spending (June 1) and factory orders (June 3) from the Census Bureau; auto and truck sales (June 2) from the auto manufacturers; and productivity (June 3) payrolls, earnings and average workweek (June 4) from the Bureau of Labor Statistics.
 
 


Mark Ott

Loan Officer

W.J. Bradley Mortgage Capital Corp.

Office: 928-776-1980

Cell: 928-713-9639

Fax: 928-776-8866

NMLS: 189552

mark.ott@wjbradley.com


Building a
Secure Future

 

Equal Housing Lender. 2010 W.J. Bradley Mortgage Capital Corp., 201 Columbine Street Suite 300, Denver, CO 80206. Phone #303-825-5670. Trade/service marks are the property of W.J. Bradley Mortgage Capital Corp. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states.

AZ License # BK-0903998; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act RML# 4131002; To check the license status of your CO Mortgage Broker, visit www.dora.state.co.us/real-estate/index.htm; Florida Mortgage Lender license #ML.100000098; Georgia Residential Mortgage Licensee, License No. 20233; ID Mortgage Broker License No. MBL-2803; IL Residential Mortgage Licensee – License #MB.6760738, 201 Columbine Street, Suite 300, Denver, CO 80206; MI First Mortgage License No. FL0011392; Mississippi Mortgage Lender License #4298/2009; MN Residential Mortgage Originator License No. 20447094; MO Residential Mortgage Loan Broker License #10-1841, 1065 Executive Parkway, Suite 205, Creve Coeur, MO 63141; NV Mortgage Banker License No. 2061; NV Mortgage Broker License No. 504; NM Mortgage Loan Company and Loan Broker Act Reg. No. 01856; OK Mortgage Broker- License No. MB001365; OR Mortgage Lender License No. ML-776; TN Mortgage Company Registration Certificate No. 3629; TX Mortgage Banker Reg. No. 74182; UT Mortgage Lender Company License No. 5495659-MLCO; Vermont Broker License #0995MB; Vermont Lender License #6141; WA Consumer Loan License No. 520-CL-42624; Wisconsin Mortgage Banker License No. 699991.

 


 

Monday, May 24, 2010

Inside Lending Newsletter From Theron Wall

Inside Lending from Theron Wall

visit my website     email me now

Theron Wall

Theron Wall
Branch Manager
3615 Crossings Dr, Suite A
Prescott, AZ 86305
Phone: (928) 778-7167
Mobile: (928) 533-7473
Fax: (928) 445-5308

Wallick & Volk Mortgage

For the week of May 24, 2010 – Vol. 8, Issue 21

>> Market Update 

INFO THAT HITS US WHERE WE LIVE  Last Tuesday April Housing Starts were UP 5.8% at an annual rate of 672,000 units. This puts them UP 40.9% over a year ago, with single-family starts UP 10.2% for the month. April New Building Permits were off 11.5%, at an annual rate of 606,000. Some said these stats reflect builders' response to the expiration of the homebuyer tax credit. Nevertheless, housing has turned the corner....

Single-family starts are up four months in a row, UP 53.6% vs. a year ago. For the first time since 2005, single-family homes under construction are up four months in a row. And even though they slipped in April, building permits are UP 16% over a year ago. No wonder the home builders confidence index hit a 33-month high in May.

Home prices will also begin to rebound by next year, as reported in a survey of 92 housing analysts and economists from MacroMarkets LLC. These experts see home prices, as measured by the S&P/Case-Shiller national index, going up on average about 12% by the end of 2014. Some forecasters put prices up as much as 37%. These analysts aren't worried about growing inventories. They point out that a lot of excess supply is in regions that are economically depressed or out-of-the-way. This isn't really a factor with most potential buyers who will bid up prices in more popular areas.

>> Review of Last Week

UNCERTAINTY UNCORKS VOLATILITY... Investor uncertainties made for a very volatile stock market last week, as major indexes fell to 10% below their last peak. This is called a correction... unless it keeps going another 10%, in which case it's a bear market. Fears were fueled by worries over European debt, new financial regs and the strength of our own recovery. Experts maintain Europe will take time to heal. Unfortunately, patience is in short supply on Wall Street. But there's now a trillion dollars available to get Europe back on track, new financial regs are not yet law and, as far as the state of the U.S. economy, judge for yourself...  

Manufacturing continues to rebound, though New York's Empire State Index slipped a little, to +19.1 for May. That's still accelerating growth, just not as fast as the month before. Last week's data showing the housing market has turned the corner is covered above. Inflation worriers should be calmed by the –0.1% drop in April's PPI reading on wholesale inflation. Those who feel consumer inflation is more important should have been happy to see the –0.1% drop in the CPI.

Then we had more Q1 corporate earnings. Of 26 S&P companies reporting last week, 25 beat Earnings Per Share expectations. These included Wal-Mart, Home Depot, Lowe's, Target, TJX, Staples and GAP in the all-important retail sector that measures consumer participation in the recovery. Over in tech land, Hewlett-Packard and DELL had nice gains in both profits and revenues.

Nonetheless, for the week, the Dow ended down 4.0%, to 10193.39; the S&P 500 was down 4.2%, to 1087.69 and the Nasdaq was down 5.0%, to 2229.04.


With stocks showing downward volatility, safety buying was driving up bonds. But things didn't get too crazy, given the big supply coming on the market this week. The FNMA 30-year 4.5% bond we watch closed UP 57 basis points for the week, ending at $102.16. Freddie Mac's weekly survey showed national average mortgage rates dropping again, with some hitting their lowest levels in years.

>> This Week’s Forecast

HOME SALES, INFLATION, THE ECONOMY... This week's economic reports cover three topics dear to our hearts. April Existing Home Sales on Monday will be followed by New Home Sales on Wednesday. The expectation is for continued increases as housing recovers. Friday's PCE will give us the Fed's favorite inflation reading. Other inflation gauges have been tame, so nothing dramatic is expected. Finally, another look at the Q1 GDP measure of the overall state of our economy. This second estimate may be revised up a tad, which would be another good sign.

>> The Week’s Economic Indicator Calendar

Weaker than expected economic data tends to send bond prices up and interest rates down, while positive data points to lower bond prices and rising loan rates.

Economic Calendar for the Week of May 24 – May 28

 Date

Time (ET)

Release

For

Consensus

Prior

Impact

M
May 24

10:00

Existing Home Sales

Apr

5.65M

5.40M

Moderate

Tu
May 25

10:00

Consumer Confidence

May

58.3

57.9

Moderate

W
May 26

08:30

Durable Goods Orders

Apr

1.4%

–0.3%

Moderate

W
May 26

10:00

New Home Sales

Apr

425K

411K

Moderate

W
May 26

10:30

Crude Inventories

5/22

NA

0.162M

Moderate

Th
May 27

08:30

Initial Unemployment Claims

5/22

455K

471K

Moderate

Th
May 27

08:30

Continuing Unemployment Claims

5/22

4.60M

4.62M

Moderate

Th
May 27

08:30

GDP–Second Estimate

Q1

3.3%

3.2%

Moderate

Th
May 27

08:30

GDP Deflator–Second Estimate

Q1

0.9%

0.9%

Moderate

F
May 28

08:30

Personal Income

Apr

0.4%

0.3%

Moderate

F
May 28

08:30

Personal Consumption Expenditures (PCE)

Apr

0.3%

0.6%

HIGH

F
May 28

08:30

Core PCE

Apr

0.1%

0.1%

HIGH

F
May 28

09:45

Chicago PMI

May

60.0

63.8

HIGH

F
May 28

09:55

Univ. of Michigan Consumer Sentiment

May

73.7

73.3

Moderate

 

>> Federal Reserve Watch   

Forecasting Federal Reserve policy changes in coming months  Many economists now feel the Fed will continue to hold interest rates at current levels through the end of the year. Of course, inflation must remain in check, but so far that's not been a problem. Note: In the lower chart, a 1% probability of change is a 99% certainty the rate will stay the same.

Current Fed Funds Rate: 0%–0.25%

After FOMC meeting on:

Consensus

Jun 23

0%–0.25%

Aug 10

0%–0.25%

Sep 21

0%–0.25%


Probability of change from current policy:

After FOMC meeting on:

Consensus

Jun 23

     3%

Aug 10

     8%

Sep 21

     13%

 

This e-mail is an advertisement for Theron Wall. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice, or a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. The material contained in the newsletter is the property ofWallick & Volk Mortgage and cannot be reproduced for any use without prior written consent. It is designed for real estate and other financial professionals only. The material does not represent the opinion of Wallick & Volk Mortgage. BK 0018295




Equal Housing Lender  

 

Economic Roundup: May 24, 2010

 

 


In the News

New home construction was a mixed bag for the month of April, according to the Census Bureau, which reported last week that permits for private homes were at a seasonally adjusted annual rate of 606,000 for the month. This was 11.5 percent below March's revised rate of 685,000. Likewise, permits for single-family home constructions in April were at a rate of 484,000, which was 10.7 percent below March's revised figure of 542,000.
 
That said, while permits were down, starts on construction of private housing for April were at a seasonally adjusted annual rate of 672,000, which was 5.8 percent over March's revised estimate of 635,000. Also encouraging, starts on single-family homes in April were at a rate of 593,000, which was 10.2 percent over March's revised rate of 538,000.
 
The increase in starts marked an 18-month high and represented the second month in a row starts showed an increase, but the substantial drop in housing permits, the lowest rate in six months, led many experts to express concerns that any momentum in a housing recovery could be stalled out.
 
Consumer prices experienced a slight yet unexpected downturn during April, with the Bureau of Labor Statistics reporting last week that its Consumer Price Index for All Urban Consumers (CPI-U) dropped 0.1 percent in April, the first drop since March 2009. (Over the last 12 months, the index increased 2.2 percent, before seasonal adjustment.)
 
April's CPI-U drop beat economists' expectations of a 0.1 percent increase in the index. Various experts chalked up the decrease to the European debt crisis, which has stifled growth worldwide, as well as inflation stateside.
 
Another key contributor to the drop was in energy prices, with the Bureau's energy index declining 1.4 percent in April. The gasoline index fell 2.4 percent (after dropping 0.8 in March), and the index for household energy dropped 0.4 in April.
 
This week, watch for the latest updates on existing home sales (May 24) from the National Association of REALTORS®; consumer confidence (May 25) from the Conference Board; durable orders (May 26) and new home sales (May 26) from the Census Bureau; and the gross domestic product (May 27) and personal income and spending (May 28) from the Bureau of Economic Analysis.
 
 


Mark Ott

Loan Officer

W.J. Bradley Mortgage Capital Corp.

Office: 928-776-1980

Cell: 928-713-9639

Fax: 928-776-8866

NMLS: 189552

mark.ott@wjbradley.com


Building a
Secure Future

 

Equal Housing Lender. 2010 W.J. Bradley Mortgage Capital Corp., 201 Columbine Street Suite 300, Denver, CO 80206. Phone #303-825-5670. Trade/service marks are the property of W.J. Bradley Mortgage Capital Corp. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states.

AZ License # BK-0903998; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act RML# 4131002; To check the license status of your CO Mortgage Broker, visit www.dora.state.co.us/real-estate/index.htm; Florida Mortgage Lender license #ML.100000098; Georgia Residential Mortgage Licensee, License No. 20233; ID Mortgage Broker License No. MBL-2803; IL Residential Mortgage Licensee – License #MB.6760738, 201 Columbine Street, Suite 300, Denver, CO 80206; MI First Mortgage License No. FL0011392; Mississippi Mortgage Lender License #4298/2009; MN Residential Mortgage Originator License No. 20447094; MO Residential Mortgage Loan Broker License #10-1841, 1065 Executive Parkway, Suite 205, Creve Coeur, MO 63141; NV Mortgage Banker License No. 2061; NV Mortgage Broker License No. 504; NM Mortgage Loan Company and Loan Broker Act Reg. No. 01856; OK Mortgage Broker- License No. MB001365; OR Mortgage Lender License No. ML-776; TN Mortgage Company Registration Certificate No. 3629; TX Mortgage Banker Reg. No. 74182; UT Mortgage Lender Company License No. 5495659-MLCO; Vermont Broker License #0995MB; Vermont Lender License #6141; WA Consumer Loan License No. 520-CL-42624; Wisconsin Mortgage Banker License No. 699991.

 


 

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