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This list is not inclusive of all states where Bond Street Mortgage, LLC may lend. Bond Street Mortgage, LLC is required to make the following disclosures by its regulatory authorities located in the applicable states. Not all states require such disclosures.
Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act
Delaware Chapter 24, Title 5 Licensed Lender
Licensed by the N.J. Department of Banking and Insurance.
Licensed by the Pennsylvania Department of Banking and Insurance
Registered Mortgage Broker, NYS Banking Department, Loans Arranged with 3rd Party Lenders
Licensed by Connecticut Department of Banking
Licensed by Texas Department of Savings and Mortgage Lending
Licensed Mortgage Lender by Florida Office of Financial Regulation
Company NMLS #: 191351
Mortgage Rates Newsletter - Market Analysis
Mortgage Rates Edge Higher
Mortgage rates fell to their lowest levels since late May as of last Friday. Today, then, would be the 2nd best day since late May. Rates edged slightly higher to begin the new week as bond markets (which underlie rates) came under modest pressure for several relatively inconsequential reasons. The net effect was a small adjustment in the upfront costs associated with prevailing rates. In other words, the actual interest rate governing your monthly mortgage payment hasn't changed in weeks, but the upfront costs tied to that rate are slightly higher for lenders today compared to last Friday. Loan Originator Perspective My clients and i continue to favor locking in once within 30 days of closing. Only loans i would consider floating would be those that can lock on a shorter time tomorrow or if
Lowest Rates Since May, But There's a Catch
Mortgage rates fell by an observable amount today-- one of the few times they've done so in recent weeks. Technically, today's average lender is offering the best we've seen since May 31st. That sounds pretty great, right?! Unfortunately, there's a fairly big catch. While today's rates are indeed the best in a month and a half, the range during that time has been so excruciatingly narrow that most prospective mortgage borrowers will find the distinction fairly meaningless. In almost all cases, the actual NOTE rate at the top of your loan quote will be the same as it has been for weeks. The only change in lenders' rate sheets is in the upfront cost associated with that rate. In other words, if you'd seen a quote of 4.75% with 0 points yesterday, today's quote would be more like 4.75% with a
Mortgage Rates Still Can't Find Inspiration
Mortgage rates stood a very decent chance to experience the highest volatility of the week today thanks to the most important economic data of the week being released this morning. The Consumer Price Index (CPI) is the most widely-followed inflation metric in the U.S. and inflation is a big deal for the bonds that underlie rates (including mortgages). On numerous occasions over the past 2 years, we've witnessed clear connections between variations in CPI data and subsequent volatility in rates. But not today... The biggest issue today was that CPI ended up being pretty boring. In other words, the actual numbers were very close to the forecast. Bonds (and thus, interest rates) didn't have much of a reaction. Even then, we may well wonder how big of a reaction we would have seen if the data was
Mortgage Rates Calm Ahead of Key Data
Mortgage rates played the same role they've been playing for weeks by holding fairly steady today. At the average lender, if you're looking for an average loan and you have above average qualifications, you'll have seen the same interest rate at the top of any loan quote since late June. Adjustments have only come in the form of the upfront costs associated with any given "note rate." The markets that underlie rate movement experienced some volatility today as a new round of tariffs was announced yesterday evening. "More tariffs," in general, are bad for stocks and good for rates because they create economic uncertainty and/or fear of economic weakness. A weaker economy does less to promote stock price growth and more to cause demand for safe haven investments like bonds (higher demand for
Mortgage Rates Slightly Higher So Far This Week
Mortgage rates didn't move for most lenders today. Remaining lenders were just slightly higher than yesterday, thus keeping this week's modest upward bias intact. In the slightly bigger picture, we had a fairly friendly consolidation in rates heading into last Friday and have been giving back the gains since then. While we're technically able to talk about rate "movement" on a day to day (and even minute by minute) basis, the average mortgage borrower isn't seeing big changes. In fact, in terms of the NOTE rate (the one at the top of a loan quote that determines the payment), there hasn't been any change in 2 weeks. It's only in the form of the more granular EFFECTIVE rate, which takes upfront costs into consideration, that we can observe any movement. In other words, we're looking through
Testimonials
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My sister and I hired Vincent Costa to sell our childhood home. We met with him, he toured the home, then gave us his professional opinion about proper pricing for the area and also what changes to the home might help us sell faster. His recommendations were reasonable and we implemented all of his suggestions. Our home went on the market and we had a full price offer within ONE DAY.
To say we were amazed is an understatement. We accepted the offer and both we and our buyers left completely satisfied.
Mr. Costa knows this business inside and out – I would not hesitate to recommend him to family and friends. When I am ready to sell my own home I will be calling him for sure.
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- -Tracy
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I was out looking for houses with other realtor’s and did nothing but burnt gas. I then contacted Vincent Costa told him what I was looking for and on the first day we found my house. Then I recommend him to my cousin who lived in North Carolina and he did the same for her and my sister so with that being said that’s three happy customers. Vincent is the best.
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- -Lydell
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Vinnie was the best! He stuck with us through our long search for our perfect home. He knew what we were looking for, and helped us through the whole process from start to finish, he helped make the whole process run very smoothly which can be a challenge as a first time home owner. I would recommend Vincent Costa's services highly, I’m sure you will be quite satisfied!
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- -Corinne
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I highly recommend using Vincent Costa as your real estate agent. He is very knowledgeable in his field. He was very personable and took the time to understand exactly what we were looking for in our next home. He was always quick to respond to our emails and calls and handled the whole process of selling and buying in a professional manner.
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- -John
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We had such a Great experience with Vincent Costa! Everything went so smooth! As first time home buyers he helped us with everything! We just followed his lead and the whole process was great!
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- -Ryan & Jennifer
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