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      Members Only Fluid Forum View   08/08/2017

      Fluid forum view allows members only to get right to the meat of this community; the topics. You can toggle between your preferred forum view just below to the left on the main forum entrance. You will see three icons. Try them out and see what you prefer.   Fluid view allows you, if you are a signed up member, to see the newest topic posts in either all forums (select none or all) or in just your favorite forums (select the ones you want to see when you come to Fishing Minnesota). It keeps and in real time with respect to Topic posts and lets YOU SELECT YOUR FAVORITE FORUMS. It can make things fun and easy. This is especially true for less experienced visitors raised on social media. If you, as a members want more specific topics, you can even select a single forum to view. Let us take a look at fluid view in action. We will then break it down and explain how it works in more detail.   The video shows the topic list and the forum filter box. As you can see, it is easy to change the topic list by changing the selected forums. This view replaces the traditional list of categories and forums.   Of course, members only can change the view to better suit your way of browsing.   You will notice a “grid” option. We have moved the grid forum theme setting into the main forum settings. This makes it an option for members only to choose. This screenshot also shows the removal of the forum breadcrumb in fluid view mode. Fluid view remembers your last forum selection so you don’t lose your place when you go back to the listing. The benefit of this feature is easy to see. It removes a potential barrier of entry for members only. It puts the spotlight on topics themselves, and not the hierarchical forum structure. You as a member will enjoy viewing many forums at once and switching between them without leaving the page. We hope that fluid view, the new functionality is an asset that you enjoy .
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fisherdog19

Mortgage Rates Drop Again

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Some program rates dropped up to .5% at the opening of the market today on the news that the Fed's were going to buy up 200 billion in Securities, many of which are backed by mortgages, to free up the illiquidity in the credit markets. Some programs saw a rate drop of up to .5%, and the FHA 30 year fixed was at 5.25% while the Conforming 30 year touched 5.375% on certain scenario's. With the volatility of the market, we have no idea how long they will stay this way so if any of you have been contemplating a refinance or purchase, now may be the time. Contact me for a quick, easy rate quote.

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Peter has been working a refi for me, and he found better rates than I even hoped, and he has been very good at answering my many questions. I have gone through the mortgage process many times now, and so far Peter seems to have the answer that make the most sense, and he has worked to ensure I get best rates, I know that.

For those who are questioning whether to refi or not, give him a call. I am glad I did. I will be saving lots of $$ per month...

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Thanks for the kind words Box, it's been a pleasure working with you. On a side note, I was able to get 5% on an FHA 30 year fixed mortgage today which is unbelievable. This is a straight up rate with no discount points to buy the rate down smile

If anyone has any questions on what the difference between FHA, VA, USDA, and Conventional programs are, please shoot me an email or call me. You may be surprised in what you are eligible for.

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Just a quick update, 30 year rates are now at 5% on certain programs, and 4.875% for the 15 year. If you are contemplating a purchase or refinance, now is the time as the rates are the lowest they have ever been.

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I'm back and hard at work. Rates are touching 4.5% on a 30 year fixed on certain scenario's and loan sizes. Don't know if they will go down more, but we have seen a negative change in rates from this morning with the mortgage backed securities giving up some gains and dropping in price.

If anyone wants a scenario run, just shoot me an email and I'll let you know what I think.

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All lock desks are currently closed. Mortgage backed securities prices are taking a big hit right now. When the dust settles, I would imagine rates will increase by at least .25%.

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Rates have taken a turn for the worse and we have lost .375% in the rate from this morning. We are still historically low and near 5% so it's all relative. We may see an improvement tomorrow morning but who knows.

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Jump on the roller coaster, rates have dipped again. With the drop today in the stock market, Mortgage Backed Securities have seen an increase in price which drives rates down. Best case scenario on a conventional 30 year is 4.75% and 4.5% on the 15 year. The FHA 15 and 30 year are at 5% with no origination fee. The window may be short (again) so if you're contemplating, give me a call. If you are looking to lower your payment or rate, on average it makes sense if you have $150,000 or greater loan amount and can drop your rate at least 1%, other scenario's can work but smaller loan amounts require larger decreases in rate to make them worth it.

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If you are looking to lower your payment or rate, on average it makes sense if you have $150,000 or greater loan amount and can drop your rate at least 1%,

How does it work when you refinance, is there a flat rate or does it depend on the loan?

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Thanks for the kind words DD, right back at ya. As far as a rate on refinancing, it depends on a number of factors such as credit score, loan to value, loan product, and type of transaction (purchase, rate or term refinance, or cash out refinance). There can be a large variance in rates depending on these factors.

Email recieved Wiggums, I look forward to helping you.

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