If you are a loan officer looking to get an edge and make more money you have come to the right place.  The Bond Rate Monitor can give you the information to close more business and make more money!  In fact, we are so sure you'll make extra money using our service, if our service doesn't pay for its self in the first 30 days we'll refund your money, no questions asked!

The Bond Rate Monitor is a service created by people just like you, mortgage originators.  Other services charge $50 or more for this crucial information, but why do you need to spend so much?  Now you don't.  So whether you're looking to maximize your commissions or just give your applicants good advice this is a must have service.  

As a mortgage originator you know that mortgage rates are tied to the bond market but knowing which instrument mortgage rates are based on and what's happening in the market is difficult to understand.  Many mortgage originators mistakenly believe mortgage rates are tied to the T-Bill, this couldn't be further from the truth.  The Bond Rate Monitor provides you with critical bond pricing of the instruments that directly affect mortgage rates and we translate that pricing information for you.

Here's an example:

Let's say that the bonds that influence mortgage rates move by 8/32 by the end of today.  If that is still true when rates are recomputed, all your investors will likely change their rates by 25 basis points in fees (points) tomorrow.  Knowing that information will enable you to maximize your income or provide unparalleled advice to your applicants.  This is not guess work it's fact.

Other services may tell you how important the bond market is but they don't really give you the information you need based on current mortgage rate pricing events.  We do!

Why do you need this service?  If you can say that none of the following examples ever happened to you, then your one in a million and you should keep consulting your crystal ball.  If your like the rest of us, one or or more of the following happened to you and will repeat itself again and again unless you utilize our service:

Has this ever happened to you?

1. Rates have been low and the refinance loans are just rolling in (like right now, have you seen your pipeline recently?), but wait just when you thought you were going to make a ton of cash in commissions rates spike upward and now a portion of your pipeline will never close. 

2. A client insists on locking their loan, so you honor their request.  The next day you arrive at the office to find a significant improvement in rates.  If you waited until the next day to lock them in you could of increased your commission big time or been a hero and got your applicants a lower rate.

3. Your applicant is purchasing a home and is completely maxed out on the payment.  To your horror rates spike and now they don't qualify for the program they thought they were getting.  

4. You get a referral from a very important referral source.  The applicant leaves it up to you to advise them when they should lock.  Rates go up without notice and they get a higher rate than they wanted.  

5. You do your homework, you watch MSNBC, Bloomberg, and read the Wall Street Journal, you follow the 10 Year T-Bills like a religion, all the geniuses say rates are going down, but wait how come they keep going up?

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