Well it has been a busy summer and fall as most of you are all aware. The rates are really good right now. We have had a great time with out client appreciation event at the pumpkin patch. I am hoping that we will have pictures coming soon. We had a great turnout and had a great time taking wagon rides around the field. I hope you had a great time as well. Please let me know how you liked it. we have a great time at all of our client events.

As far as mortgage rates go. they are continuing to stay low. we are still around 4-4.25% on the Conventional and FHA rate with apr of 4.25 and 4.875%. If you know anyone that has not refinanced please let them know they are still low and there are options to get around having mortgage insurance. I would love to help them. Thanks for all you help already this year.

As far as looking forward. The rates should stay low for sometime. property values are remaining stable to marginally declining still. There are still a lot of foreclosures and short sales still around and will be around for some time. So it should still be a great time to buy for a while.

I hope all is going well and please visit often for I will start blogging more and have good articles that I have read.