Magazyn “Kieszeń” (112)

CENY @ 4:00 PM

10 yr note: -6/32 (18 bp) 1.90% +2 bps

5 yr note: -4/32 (12 bp) 1.38% +2 bps

2 Yr note: -1/32 (3 bp) 0.88% +2 bps

30 yr bond: -9/32 (28 bp) 2.67% +1 bp

Libor Rates: 1 mo 0.433%; 3 mo 0.630%; 6 mo 0.913%; 1 yr 1.237%

30 yr FNMA 3.0 Apr: 101.72 -19 bp (-32 bp frm 9:30)

15 yr FNMA 3.0 Apr: 103.99 -11 bp (-16 bp frm 9:30)

30 yr GNMA 3.0 Apr: 102.55 -27 bp (-30 bp frm 9:30)

Dollar/Yen: 112.83 +0.45 yen

Dollar/Euro: $1.1180 unch

Gold: $1220.50 -$5.10

Crude Oil: $39.62 -$0.17

DJIA: 17,515.73 +13.14

NASDAQ: 4773.50 +4.64

S&P 500: 2035.94 -0.77

Poland

Name	Value	Net Change	% Change	1 Month	1 Year	Time (EDT)	2 Day
WIG20:IND WIG 20	1,936.19	+0.58	+0.03%	+5.33%	-19.17%	3/24/2016
WIG:IND WSE WIG INDEX	47,778.01	+29.53	+0.06%	+5.01%	-11.75%	3/24/2016
WIG30:IND WIG30	2,159.82	+1.04	+0.05%	+5.38%	-17.05%	3/24/2016

urrency	Value	Change	Net Change	Time (EDT)	2 Day
EUR-USD	1.1167	-0.0007	-0.06%	3/18/2016
USD-JPY	113.0800	0.1800	+0.16%	3/18/2016
GBP-USD	1.4132	-0.0021	-0.15%	3/18/2016
AUD-USD	0.7507	-0.0021	-0.28%	4:59 PM
USD-CAD	1.3270	0.0022	+0.17%	3/18/2016
USD-CHF	0.9776	0.0019	+0.19%	4:59 PM
EUR-JPY	126.2800	0.1200	+0.10%	3/18/2016
EUR-GBP	0.7905	0.0009	+0.12%	3/18/2016
USD-HKD	7.7574	-0.0012	-0.02%	3/18/2016
EUR-CHF	1.0914	0.0011	+0.10%	3/18/2016
USD-KRW	1,169.1700	2.9200	+0.25%	3/18/2016

EUR-USD	1.1167	-0.0007	-0.06%	3/18/2016
GBP-USD	1.4132	-0.0021	-0.15%	3/18/2016
USD-CHF	0.9776	0.0019	+0.19%	4:59 PM
USD-SEK	8.3044	0.0110	+0.13%	3/18/2016
USD-DKK	6.6739	0.0019	+0.03%	3/18/2016
USD-NOK	8.4757	-0.0097	-0.11%	3/18/2016
USD-CZK	24.2735	0.0476	+0.20%	4:59 PM
USD-SKK	26.9789	0.0211	+0.08%	4:59 PM
USD-PLN	3.8170	-0.0020	-0.05%	3/18/2016
USD-HUF	281.1500	0.2400	+0.09%	3/18/2016
USD-RUB	68.1750	-0.3853	-0.56%	3/18/2016
USD-TRY	2.8758	0.0031	+0.11%	3/18/2016
USD-ILS	3.8366	0.0045	+0.12%	3:58 PM
USD-KES	101.5400	-0.0100	-0.01%	10:59 AM
USD-ZAR	15.4551	-0.0039	-0.03%	3/18/2016
USD-MAD	9.7474	0.0054	+0.06%	3/18/2016

Top of Form

Week	Month	1-Year	3-Year

Bottom of Form

[click item to view chart]

Current

Previous

Quote

Day

Week

Month

Year

Mar 25, 2016

Mar 24, 2016

Mar 18, 2016

Feb 24, 2016

Mar 26, 2015

Quote

% Chg

Quote

% Chg

Quote

% Chg

Quote

% Chg

Quote

Macroeconomic Statistics

Feb Core US CPI Rate

2.3%

4.5%

2.2%

0.0%

2.2%

0.0%

2.2%

29.4%

1.7%

Jan Core US PCE Idx

1.70%

13.3%

1.50%

0.0%

1.50%

0.0%

1.50%

15.4%

1.30%

Feb Non-Farm Payroll

242,000

40.7%

172,000

0.0%

172,000

0.0%

172,000

-35.3%

266,000

Mortgage Rates

30 Yr FXD avg

3.71%

-0.5%

3.73%

0.0%

3.73%

2.2%

3.65%

-3.4%

3.78%

15 Yr FXD avg

2.96%

-1.0%

2.99%

0.0%

2.99%

1.4%

2.95%

-3.6%

3.06%

Fundamentals

1 Year CMT

0.6058%

0.0%

0.6058%

-4.1%

0.6315%

19.0%

0.5306%

112.2%

0.2500%

10 Year CMT

1.88%

-3.1%

1.94%

0.0%

1.94%

9.6%

1.77%

-5.9%

1.88%

2-Year Treasury

0.8689%

0.0%

0.8689%

0.6%

0.8633%

15.7%

0.7461%

21.5%

0.6142%

10-Year Treasury

1.9000%

0.0%

1.9000%

0.2%

1.8958%

9.0%

1.7398%

-12.9%

1.9982%

30-Year Treasury

2.6730%

0.0%

2.6730%

-0.5%

2.6854%

3.2%

2.6018%

0.4%

2.5927%

12 MTA

0.378%

6.9%

0.354%

0.0%

0.354%

8.4%

0.327%

145.5%

0.133%

USD 6M LIBOR

0.9131%

0.0%

0.9131%

2.8%

0.8883%

0.8%

0.8811%

121.4%

0.3979%

USD 12M LIBOR

1.2312%

-0.5%

1.2374%

2.9%

1.2022%

3.9%

1.1570%

66.0%

0.6972%

USD 1M LIBOR

0.4350%

0.5%

0.4330%

0.2%

0.4321%

-0.8%

0.4358%

148.2%

0.1756%

11th District COFI

0.664%

1.4%

0.655%

0.0%

0.655%

0.0%

0.655%

-6.2%

0.698%

Federal Funds

0.50%

0.0%

0.50%

0.0%

0.50%

0.0%

0.50%

100.0%

0.25%

Gold, Mini $/oz

1217.25

-0.2%

1219.25

-3.6%

1264.75

2.9%

1229.00

2.5%

1199.00

Currencies

EUR/USD

1.1176

-0.2%

1.1203

-0.6%

1.1269

2.1%

1.1032

0.9%

1.0936

USD/JPY

112.6288

0.2%

112.4158

0.5%

111.8421

-0.5%

112.3564

-6.1%

119.6410

GBP/USD

1.4109

-0.5%

1.4175

-1.2%

1.4354

1.7%

1.4115

-5.1%

1.4868

USD/CAD

1.3255

1.0%

1.3125

0.6%

1.3047

-5.0%

1.3732

9.7%

1.2518

AUD/USD

0.751843

-0.9%

0.758338

-0.3%

0.760773

5.2%

0.722973

-8.1%

0.786673

USD/CHF

0.9750

0.1%

0.9738

0.0%

0.9737

-2.1%

0.9949

3.7%

0.9592

HSH National Interest Rate Benchmarks
For Week Ending 03/18/2016

This Week

Month Ago

Year Ago

Latest Trends

Loan Types

Average
Combined Rate

Average
Points

Average
Combined Rate

Average
Points

Average
Combined Rate

Average
Points

Click for Graph

30 Yr FRM

3.82%

0.19

3.75%

0.16

3.81%

0.18

15 Yr FRM

3.20%

0.16

3.13%

0.14

3.16%

0.14

1/1 Yr ARM

2.77%

0.19

2.70%

0.16

2.70%

0.22

3/1 Yr ARM

3.09%

0.13

2.97%

0.08

2.91%

0.09

5/1 Yr ARM

3.09%

0.13

2.96%

0.11

2.97%

0.12

7/1 Yr ARM

3.25%

0.15

3.10%

0.14

3.12%

0.12

10/1 Yr ARM

3.44%

0.09

3.34%

0.11

3.39%

0.11

For information on obtaining conforming and jumbo averages, click here

Statistics reflect owner-occupied 1-4 family and condos: previously occupied homes. The data include both conforming and jumbo loans for “A” credit borrowers and include a wide range of LTV and discount structures. Click here for detailed explanations of the terms and data used above.

Previous editions of the HSH Statistical Release are archived at the bottom of this page..

HSH National Interest Rate Benchmarks For Week Ending 03/18/2016
	This Month	Month Ago	Year Ago	Latest Trends
Loan Types	*Average Rate*	*Average Rate*	*Average Rate*	Click for Graph
New Auto Loans All Terms, FICO 720+	4.09%	4.08%	4.14%
Used Auto Loans All Terms, FICO 720+	4.31%	4.28%	4.40%
Home Equity Loans Fixed Rates, 80% CLTV	6.29%	6.23%	6.25%
Home Equity Lines Fully-Indexed, 80% CLTV	5.13%	5.33%	5.15%

Conforming, Jumbo and FHA data series are available via data license.

Get combined statistics on various metropolitan areas.

Current Indexes for Adjustable Rate Mortgages
Last update: 03/25/2016
	Week ending	Month of
	03/18/16	Feb 16
1 Year Treasury Security	0.67%	0.53%
3 Year Treasury Security	1.08%	0.90%
5 Year Treasury Security	1.43%	1.22%
10 Year Treasury Security	1.93%	1.78%
Lenders/Servicers — save time and money. Get your ARM indexes via webservice or email for as little as $55/month.
Click here to find out how!
Monthly Treasury Average (MTA)	Feb 16	0.3758%
FHFA National Mortgage Contract Rate	Jan 16	3.98%
11th District Cost of Funds	Jan 16	0.664%
Prime Rate, as of	12/17/15	3.50%
Source: ARMindexes.com

Home buyer programs by state | 2016

Jan 04, 2016

Tim Manni HSH.com

State home buying assistance programs

Click on your state below to see which statewide home-buying programs are available to you in your area. Below the map you will find descriptions of the available programs and the URL to your state’s housing website. You can learn more about these and other programs at your state’s housing website, and you can contact a participating mortgage lender to apply for one of the programs (HSH.com is not a mortgage lender). Each state differs in the number and type of programs they offer.

Illinois

Number of Programs

First-time buyer
Repeat Buyer
Mortgage credit

Energy efficient
Purchase program
Home improvement

Veterans program
Disabled homeowner
Down-payment assistance

Job specific

To learn more about the programs below, visit this website: http://www.ihda.org/homeowner/index.htm

Illinois	Program description
1st HomeIllinois Program	This first-time homebuyer program offers $7,500 in down-payment assistance, but it is not offered statewide. This program is only for first-time buyers in Boone, Cook, DeKalb, Fulton, Kane, Marion, McHenry, St. Clair, Will or Winnebago counties. Buyers can purchase a one- or two-unit property and must contribute at least $1,000 to the transaction.
@HomeIllinois Program	The @HomeIllinois mortgage program for first-time homebuyers. This is a 30-year, fixed-rate mortgage that requires borrowers to pay 1 percent or $1,000 of the purchase price, whichever is greater. Buyers must meet income and purchase-price limits, and must have a credit score of at least 640. They must live in the home as a primary residence and must complete a housing counseling program that is offered in both online and in-person options. The program also offers other types of help to buyers, including: $5,000 in down payment or closing cost assistance (payment terms are 0 percent for 10 years, and borrowers who meet certain income limits do not have to pay back the loan), a federal tax credit certificate, lender-paid mortgage insurance, a choice of loan type that includes FHA, VA, USDA or conventional.

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