stock market / Home Loans: Current Mortgage Rates at Chase

  stock market / Home Loans: Current Mortgage Rates at Chase

Chase Bank

The best 30 year loan deals at Chase Bank (NYSE:JPM) are published at 3.750% with an APR of 3.915%.  Shorter term, popular 15 year FRM interest rates are being quoted at 3.125% yielding an APR of 3.472%. 

As far as ARMs go, 5 year loans are available starting at 3.250% at Chase with an APR of 3.605%.  The 7 year ARMs stand at 3.500% today carrying an APR of 3.684%.  

Refinancing Your Home

30 year refinance fixed rate mortgage interest rates at Chase can be had for 3.750% today with an APR of 3.853%.  15 year refi fixed rate loan interest rates are listed at 3.000% today and an APR of 3.145%.  The 5 year refinance ARM loans have been listed at 3.250% at Chase. carrying an APR of 3.493%.  The 7 year refinance Adjustable Rate Mortgages are published at 3.500% today and the APR is 3.581%.  

Also in the market, Chase’s stock price weakened to 66.65 down -0.89%.  

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Bank of America

30 year fixed rate loan interest rates at Bank of America (NYSE:BAC) are available starting at 3.500% today with an APR of 3.667%.  The 5 year ARM loans at BoA are 2.500% with an APR of 3.486% to start.  

Refinance Rates

The benchmark 30 year refinance loan interest rates are being quoted at 3.625% at BoA carrying an APR of 3.770% today.  The 5/1 Adjustable Rate Mortgages at Bank of America start at 2.625%. with an APR of 3.495% to start.  

stock market / Mortgage Rates Unchanged at Citizens,

  stock market / Mortgage Rates Unchanged at Citizens,

Citizens Bank

Standard 30 year loan interest rates at Citizens Bank have been quoted at 3.625% today and an APR of 3.659%.  The jumbo 30 year loans at the bank are being offered for 3.500% with an APR of 3.519%.

Shorter term, popular 15 year fixed rate mortgages are on the books at 2.875% today carrying an APR of 2.935%.  

15 year Jumbo FRMs stand at 3.000% carrying an APR of 3.033%.  The best 20 year FRM interest rates start at 3.375% today yielding an APR of 3.422%

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Capital One

The best 30 year FRM interest rates are available starting at 3.375% at Capital One Financial (NYSE:COF) and APR of 3.453% today.  The best 30 year jumbo fixed rate loans are being quoted at 3.500% and APR of 3.523%.  

The short term 15 year loans are available starting at 2.750% and APR of 2.890%.  

15 year Jumbo loan interest rates are listed at 3.250% today yielding an APR of 3.310%.  The 5 year ARM loans have been published at 2.875% at Capital One carrying an APR of 3.500% to start.  ARMs in the 7 year category are published at 2.875% today with an APR of 3.422%.  

Also in the market, Capital One’s own stock price weakened to 71.65 down -0.87%.  

Wall Street rallies as Fed officials ease rate hike fears

U.S. stocks were heading for their strongest session since July on Monday after Federal Reserve Board Governor Lael Brainard stuck to her dovish stance on interest rates and urged caution about removing monetary stimulus too quickly.

Brainard's speech followed earlier comments by Atlanta Fed Bank President Dennis Lockhart and his Minneapolis counterpart Neel Kashkari in which they suggested there was no urgency to raise benchmark U.S. rates.

"Today's new normal counsels prudence in the removal of policy accommodation," said Brainard, a permanent voting member and the last official scheduled to speak ahead of the Fed's policy-setting meeting on Sept. 20-21.

Traders trimmed their views on the likelihood of a September rate hike to 15 percent from 24 percent on Friday and for a December hike to 54.5 percent from 59.2 percent, according to the CME Group's FedWatch tool.

Fears of a September rate hike had sent the three major U.S. stock indexes tumbling on Friday in their worst decline since Britain's June 23 'Brexit' vote to leave the European Union.

At 2:11 pm (1811 GMT), the Dow Jones industrial average .DJI was up 1.07 percent at 18,279.15 points and the S&P 500 .SPX had gained 1.22 percent to 2,153.72.

The Nasdaq Composite .IXIC added 1.39 percent to 5,197.36.

After Friday's selloff, the S&P 500 is trading near 17 times expected earnings, above its 10-year average of 14, according to Thomson Reuters Datastream.

High valuations are a risk, but they do not mean stocks are likely to fall in the short term, said Brad McMillan, chief investment officer for Commonwealth Financial in Waltham, Massachusetts.

stock market / djia : Fed Official Says She Favors ‘Prudence’ in Raising Interest Rates

    stock market / djia : Fed Official Says She Favors ‘Prudence’ in Raising Interest Rates

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leading proponent of continuing the Fed’s stimulus campaign, said in a speech Monday that she still favored “prudence” in raising interest rates despite recent signs of economic progress.

The remarks, according to a prepared text, reinforce expectations that the Fed will not raise its benchmark interest rate when its policy-making committee meets Sept. 20 and 21.

But pressure continues to build for a rate increase before the end of the year. A few hours before Ms. Brainard spoke, Dennis Lockhart, the president of the Federal Reserve Bank of Atlanta, said the Fed should have a “serious discussion” about raising rates, though he added it was not urgent for the Fed to act in September.

Janet L. Yellen, the Fed’s chairwoman, will preside over an increasingly fractious policy-making committee. Some officials have said they are ready to raise rates while others continue to argue for patience. Ms. Yellen, seeking common ground, said in an August speech that the case for a rate increase had become stronger in recent months, but she stopped short of saying that it was time to raise rates.

Ms. Brainard’s speech was highly anticipated by investors because it was the last scheduled statement by a Fed official before the September meeting. The Fed imposes a blackout period before its meetings, held roughly every six weeks. On Friday, the stock market took a sharp hit on fears that the Fed and other central banks might be moving to slightly more restrictive monetary policies.

For the most part, however, Ms. Brainard reiterated her longstanding views.

She said that inflation remains weak, and that the labor market continues to heal.

“In the presence of uncertainty and the absence of accelerating inflationary pressures, it would be unwise for policy to foreclose on the possibility of making further gains in the labor market,” she said, according to her remarks.

Ms. Brainard is delivering the speech to the Chicago Council on Global Affairs.

She added that the context in which the Fed operates also has changed. A global decline in market interest rates means that the force of the Fed’s stimulus campaign has been reduced even without a rate increase. Moreover, she noted that the weakness of the global economy continues to weigh on the United States, contributing to an environment of persistently low growth and low inflation.

Ms. Brainard said she remains more concerned about moving too quickly than waiting too long. That is because the Fed has limited tools to ward off economic weakness, but it has considerable scope to prevent excessive inflation.

   recore / Last Guardian is delayed to December 6

Sony announced on its blog today that the upcoming PlayStation 4 game The Last Guardian is delayed to December 6. It was supposed to release on October 25. The Last Guardian is one of Sony’s biggest exclusives for the rest of the year. PlayStation fans have already waited a long time for it; The Last Guardian was originally announced back in 2009. Development took so long that many gamers thought it was cancelled before Sony reintroduced The Last Guardian at its E3 press conference in 2015

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The Last Guardian shares gameplay and design elements with Ueda’s previous games, 2001’s Ico and 2005’s Shadow of the Colossus. Those were two of the most popular and critically acclaimed titles released for the PlayStation 2. After such a long wait for The Last Guardian already, Sony and Ueda must feel pressure to deliver a memorable experience. A couple of extra months to remove bugs, especially if the delay still keeps it in the lucrative holiday season, shouldn’t be a big deal for PlayStation 4 fans.

The stereotypical Xbox Live experience is where you boot up a Mature-rated shooter like Call of Duty and end up matched against a team of racist, homophobic 12-year-old boys who don’t have parents. But Microsoft has developed ways of dealing with that, and it’s revealing how those systems work.

Xbox Live has a reputation system where repeat offenders can end up with penalties that should improve the quality of life for everyone else on the service, and Microsoft only partially determines that reputation based on negative reports from people you’ve annoyed. Instead, Xbox Live uses an algorithm that looks at data from the games themselves and even how often you end up muted relative to the rest of the online population. If you are constantly spamming “Cotton Eye Joe” by the Rednex over the voiceline, and everyone you play with mutes you every single match, Xbox Live can see that behavior and punish you for it.

If negative feedback piles up, you could end up with a “Needs work” reputation. Xbox Live will let you know when this happens, and you’ll have a chance to build back up to the “Good player” level.

“It typically takes over a dozen unique reports or several dozen mutes for your reputation to drop down to ‘Needs Work,'” Xbox evangelist Larry “Major Nelson” Hryb wrote in a blog post. “If you continue to get reported for your conduct after you’ve entered ‘Needs Work,’ we’ll send you another message as a final warning. If you ignore this second message and get reported a few more times, you’ll enter the ‘Avoid Me’ reputation classification.”