Posts from the ‘mortgage commentary’ Tag

June 15, 2010

Hybrids – The Safe Mortgage

Are we headed for deflation or inflation? If it's deflation, choose variable, but for runaway inflation, go fixed. Can't decide which scenario is more likely when even the experts don’t agree? If you’d rather hedge your bets, consider my safe mortgage approach.
May 3, 2010

Spring Mortgage Market Update (2010)

Today's post is my quarterly update on the state of the mortgage market. In it, I challenge the media's assertion that everyone should be locking into a fixed rate and explain my theory that variable rate products offer their own form of risk insurance.
April 12, 2010

The Ten-year Fixed-rate Mortgage: A Contrarian’s Point of View

If we really are at the bottom of the current interest-rate cycle then borrowers need to start thinking differently about how they finance their mortgage debt. Locking in a good rate for as long as possible is well worth considering, and to that end, I offer a contrarian's view of the ten-year fixed-rated mortgage.