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	<title><![CDATA[mortgage rate Resources | BNET]]></title>
	<link><![CDATA[http://resources.bnet.com/topic/mortgage+rate.html]]></link>
	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to mortgage rate]]></description>
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	<language>en-us</language>
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		<title><![CDATA[Beazer Homes USA, Inc. F4Q09 (Qtr End 09/30/09) Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-13071_23-363520.html]]></link>
		<description><![CDATA[ Question-and-Answer Session Operator  Thank you. Operator Instructions Your first question comes from David Goldberg - UBS. David Goldberg - UBS Ian, you mentioned in your comments about expecting some improvement in 2010 in terms of base, and I'm just wondering if you could talk about mortgage rates in...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Tue, 10 Nov 2009 11:57:09 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/beazer+homes+usa+inc..html"><![CDATA[Beazer Homes USA Inc.]]></category>
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		<category domain="http://resources.bnet.com/topic/call+transcript.html"><![CDATA[Call Transcript]]></category>
		<category domain="http://resources.bnet.com/topic/mortgage+rate.html"><![CDATA[Mortgage Rate]]></category>
		<category domain="http://resources.bnet.com/topic/earnings.html"><![CDATA[Earnings]]></category>
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		<category domain="http://rss.financialcontent.com/stocksymbol">BZH</category>
		<category domain="tickers">BZH</category>
	</item>
	<item>
		<title><![CDATA[Mortgage Rates Drop Below 5 Percent: Freddie Mac]]></title>
		<link><![CDATA[http://www.bnet.com/2407-14037_23-361568.html]]></link>
		<description><![CDATA[By Julie HavivNEW YORK (<a href="http://resources.bnet.com/index.php?source=Reuters">Reuters</a>) - U.S. mortgage rates fell below 5 percent for the first time in three weeks, a key level that may boost home  loan demand and help the hard-hit housing market recover, a closely watched mortgage survey showed Thursday.Interest rates on U.S. 30-year fixed-rate mortgages...]]></description>
		<s:doctype><![CDATA[News items]]></s:doctype>
		<pubDate>Thu, 05 Nov 2009 13:31:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/arm.html"><![CDATA[ARM]]></category>
		<category domain="http://resources.bnet.com/topic/mortgage+rate.html"><![CDATA[Mortgage Rate]]></category>
		<category domain="http://resources.bnet.com/topic/freddie+mac.html"><![CDATA[Freddie Mac]]></category>
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		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/fannie+mae.html"><![CDATA[Fannie Mae]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">FNM</category>
		<category domain="http://rss.financialcontent.com/stocksymbol">FRE</category>
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	<item>
		<title><![CDATA[Mortgage Stimulus Can&#39;t Beat the Housing Slide]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/economic-news/blog/macro-view/more-pressure-on-housing-activity/770/]]></link>
		<description><![CDATA[Applications for residential mortgages fell sharply at the end of June, down 19 percent week-to-week, reports the Mortgage Bankers Association. In the mid-five percent range, interest rates aren't at the bottom, but they're still very low, so that alone shouldn't be the problem.    Most of the weakness...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Wed, 01 Jul 2009 14:14:24 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/mortgage+rate.html"><![CDATA[Mortgage Rate]]></category>
		<category domain="http://resources.bnet.com/topic/mortgages.html"><![CDATA[Mortgages]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/capital+structures.html"><![CDATA[Capital Structures]]></category>
		<category domain="http://resources.bnet.com/topic/john+keefe.html"><![CDATA[John Keefe]]></category>
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	<item>
		<title><![CDATA[Is It Time to Refinance? Better Run the Numbers]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/retirement-planning/blog/retirement-roadmap/is-it-time-to-refinance-better-run-the-numbers/413/]]></link>
		<description><![CDATA[Low mortgage rates offer good opportunties to refinance, but you have to run all the numbers because the rate is only part of the cost of the loan. by Charlie Farrell]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Fri, 10 Apr 2009 10:34:25 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/mortgage+rate.html"><![CDATA[Mortgage Rate]]></category>
		<category domain="http://resources.bnet.com/topic/charlie+farrell.html"><![CDATA[Charlie Farrell]]></category>
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	<item>
		<title><![CDATA[Buried By Jumbo Loans]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/economic-news/video/buried-by-jumbo-loans/281795/]]></link>
		<description><![CDATA[Although mortgage rates have sharply decreased many homeowners are still confounded by higher rates on "jumbo loans." Kelly Wallace reports.]]></description>
		<s:doctype><![CDATA[Videos]]></s:doctype>
		<pubDate>Sun, 22 Mar 2009 23:30:43 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/homeowner.html"><![CDATA[Homeowner]]></category>
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		<title><![CDATA[Loan Analyzer]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=973973]]></link>
		<description><![CDATA[The Loan Analyzer is a loan tool that compares your current loans vs. other potential loans and determines which is best for you. Put info on your current mortgage quote and this Loan Analyzer will show mortgage rates from ethical lenders.]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 01 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/mortgage+rate.html"><![CDATA[Mortgage Rate]]></category>
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		<title><![CDATA[Dollar Valuations Built Into FOMC Cut?]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F102025-dollar-valuations-built-into-fomc-cut%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[The LFB submits: This week brings the FOMC rate decision, and the expectancy of another cut in the overnight lending rate from in the U.S. from 1.5% to 1.25%. There are some looking for a cut to 1% and many futures traders looking for a cut to 0.75%. Whatever comes,...]]></description>
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		<pubDate>Mon, 27 Oct 2008 01:29:42 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/valuation.html"><![CDATA[Valuation]]></category>
		<category domain="http://resources.bnet.com/topic/federal+open+market+committee.html"><![CDATA[Federal Open Market Committee]]></category>
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	</item>
	<item>
		<title><![CDATA[30 Years of the 30-Year Mortgage]]></title>
		<link><![CDATA[http://dw.com.com/redir?destUrl=http%3A%2F%2Fseekingalpha.com%2Farticle%2F100476-30-years-of-the-30-year-mortgage%3Fsource%3Dbnet&siteid=23&tag=seekingalpha]]></link>
		<description><![CDATA[Paul Kedrosky submits:  Lots of people noticing today that for various technical reasons, U.S. 30-year fixed mortgage rates are back to levels last seen when Freddie/Fannie were nationalized. But that said, and as the following figures shows, all the bleating about high rates looks fairly dubious, historically speaking and...]]></description>
		<s:doctype><![CDATA[External links]]></s:doctype>
		<pubDate>Fri, 17 Oct 2008 07:50:52 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/mortgage+rate.html"><![CDATA[Mortgage Rate]]></category>
		<category domain="http://resources.bnet.com/topic/seeking+alpha.html"><![CDATA[Seeking Alpha]]></category>
		<category domain="http://resources.bnet.com/topic/paul+kedrosky.html"><![CDATA[Paul Kedrosky]]></category>
		<category domain="http://resources.bnet.com/topic/mortgages.html"><![CDATA[Mortgages]]></category>
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		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">FNM</category>
		<category domain="http://rss.financialcontent.com/stocksymbol">FRE</category>
		<category domain="tickers">FNM,FRE</category>
	</item>
	<item>
		<title><![CDATA[Fannie, Freddie, and Mortgages in the Real World]]></title>
		<link><![CDATA[http://industry.bnet.com/financial-services/100090/fannie-freddie-and-mortgages-in-the-real-world/]]></link>
		<description><![CDATA[For most folks and I include myself in this the agonies of Fannie Mae and Freddie Mac, now being salved in Washington, are a tad abstract. But the story comes home when people say that the Fan-Fred woes will limit homebuyers' ability to get mortgages. Already, some say, the crisis...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Thu, 24 Jul 2008 09:27:35 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/fannie+mae.html"><![CDATA[Fannie Mae]]></category>
		<category domain="http://resources.bnet.com/topic/mortgage+rate.html"><![CDATA[Mortgage Rate]]></category>
		<category domain="http://resources.bnet.com/topic/freddie+mac.html"><![CDATA[Freddie Mac]]></category>
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		<category domain="http://resources.bnet.com/topic/capital+structures.html"><![CDATA[Capital Structures]]></category>
		<category domain="http://resources.bnet.com/topic/dan+ackman.html"><![CDATA[Dan Ackman]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">FNM</category>
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		<category domain="tickers">FNM,FRE</category>
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	<item>
		<title><![CDATA[Reactions mixed on White House mortgage rate freeze]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_qn4180/is_20071213/ai_n21173591]]></link>
		<description><![CDATA[Many area real estate experts are skeptical that President George W. Bush's widely lauded mortgage rate freeze will do much to help those in the most dire straits.]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Thu, 13 Dec 2007 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/mortgage+rate.html"><![CDATA[mortgage rate]]></category>
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	</item>
	<item>
		<title><![CDATA[After a year and a half of Fed rate hikes, mortgage rates hold]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_qn4189/is_20060127/ai_n16038907]]></link>
		<description><![CDATA[Everyone has said it. Mortgage rates would shoot right through the roof as the Federal Reserve kept on hiking short-term interest rates.The common wisdom was that the two were linked as closely as two tango dancers. They always moved in concert. As banks paid more, they would pass it on...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Fri, 27 Jan 2006 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/federal+reserve+board.html"><![CDATA[Federal Reserve Board]]></category>
		<category domain="http://resources.bnet.com/topic/mortgage.html"><![CDATA[mortgage]]></category>
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	</item>
	<item>
		<title><![CDATA[Mortgage Rates Inch Up For 4th Week]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_km3607/is_200508/ai_n14903536]]></link>
		<description><![CDATA[Long-term mortgage rates moved higher last week, for the fourth week in a row, according to Freddie Mac. The average for the benchmark 30-year, fixed-rate loan climbed to 5.82% last week from 5.77% lone week earlier, while the average for the 15-year, fix Long-term mortgage rates moved higher last week,...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 15 Aug 2005 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/arm.html"><![CDATA[ARM]]></category>
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		<category domain="http://rss.financialcontent.com/stocksymbol">FRE</category>
		<category domain="tickers">FRE</category>
	</item>
	<item>
		<title><![CDATA[Mortgage lending still strong in Fairfield County.]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_hb5262/is_200502/ai_n20398256]]></link>
		<description><![CDATA[Local bankers and industry analysts say mortgage rate fluctuations  and resulting changes in demand from potential home buyers are not  adversely affecting the lending business, just shifting demand slightly  between new mortgages applications and refin  Local bankers and industry analysts say mortgage rate fluctuations  and...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 28 Feb 2005 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/bank.html"><![CDATA[bank]]></category>
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	</item>
	<item>
		<title><![CDATA[An economic and housing outlook for 2005.(Real Estate and Construction)]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_hb5262/is_200411/ai_n20386326]]></link>
		<description><![CDATA[The Federal Reserve has said it will continue with its measured  increases in the federal funds rate. We believe this means another  quarter percentage point increase in short term interest rates when the  Fed's Open Market Committee next convenes on No  The Federal Reserve has said...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 08 Nov 2004 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/federal+reserve+board.html"><![CDATA[Federal Reserve Board]]></category>
		<category domain="http://resources.bnet.com/topic/housing+start.html"><![CDATA[housing start]]></category>
		<category domain="http://resources.bnet.com/topic/interest+rate.html"><![CDATA[interest rate]]></category>
		<category domain="http://resources.bnet.com/topic/mortgage+rate.html"><![CDATA[mortgage rate]]></category>
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	</item>
	<item>
		<title><![CDATA[Homebuilder costs going through roof; Rising price of nails, lumber, drywall hammering profits.(News)]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_hb5253/is_200405/ai_n20194626]]></link>
		<description><![CDATA[Byline: BOB TITA    Surging prices for construction materials threaten housing  affordability for an increasing number of working families, a group  already pressed by rising mortgage rates.    The higher costs-materials account for about 35% of the pri  Byline: BOB TITA  ...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 31 May 2004 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/mortgage+rate.html"><![CDATA[mortgage rate]]></category>
		<category domain="http://resources.bnet.com/topic/pulte+homes+inc..html"><![CDATA[Pulte Homes Inc.]]></category>
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		<category domain="http://rss.financialcontent.com/stocksymbol">PHM</category>
		<category domain="tickers">PHM</category>
	</item>
	<item>
		<title><![CDATA[Economic forecast and data report. (Special Advertising Section).(mortgages and real estate)]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_hb3374/is_200307/ai_n8107850]]></link>
		<description><![CDATA[Mortgage Rate Decline to Keep Housing Nearly Steady Through 2004       Housing peaked around year-end for this business cycle, but the  Federal Reserve's aggressive cheap-credit policy means only a  marginal decline in activity through 2004. Within si    Mortgage Rate Decline...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Tue, 01 Jul 2003 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/mortgage+rate.html"><![CDATA[mortgage rate]]></category>
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	</item>
	<item>
		<title><![CDATA[Low Mortgage Rates- Reduce your Payment or the length of the Loan?]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=53466]]></link>
		<description><![CDATA[This article is about the Low Mortgage Rates that reduce the Payment or the length of the Loan? With current mortgage rates at their lowest levels in decades many people are refinancing. But a trend that seems dangerous to is that rather than using this as an opportunity to shorten...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Sat, 01 Mar 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/payment.html"><![CDATA[Payment]]></category>
		<category domain="http://resources.bnet.com/topic/mortgage+rate.html"><![CDATA[Mortgage Rate]]></category>
		<category domain="http://resources.bnet.com/topic/financial+trend+forecaster.html"><![CDATA[Financial Trend Forecaster]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Modelling Mortgage Rate Changes with a Smooth Transition Error-Correction Model]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=53316]]></link>
		<description><![CDATA[This paper uses a smooth transition error-correction model STECM to model the one-year and five-year mortgage rate changes. The model allows for a non-linear adjustment process of mortgage rates towards their long-run equilibrium. We also introduce time-varying thresholds into the standard STECM specification, to capture the gradual structural changes in...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Sat, 01 Dec 2001 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/mortgage+rate.html"><![CDATA[Mortgage Rate]]></category>
		<category domain="http://resources.bnet.com/topic/mortgages.html"><![CDATA[Mortgages]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/capital+structures.html"><![CDATA[Capital Structures]]></category>
	</item>
	<item>
		<title><![CDATA[GSEs, Mortgage Rates, And The Long-Run Effects of Mortgage Securitization]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=74603]]></link>
		<description><![CDATA[This white paper compares mortgage securitization undertaken by government-sponsored enterprises with that undertaken by private firms, with an emphasis on how each type of mortgage securitization affects mortgage rates. It builds a model illustrating that market structure, government sponsorship, and the characteristics of the mortgages securitized are all-important determinants of...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Sat, 01 Dec 2001 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/mortgage+rate.html"><![CDATA[Mortgage Rate]]></category>
		<category domain="http://resources.bnet.com/topic/gse.html"><![CDATA[GSE]]></category>
		<category domain="http://resources.bnet.com/topic/mortgage+securitization.html"><![CDATA[Mortgage Securitization]]></category>
		<category domain="http://resources.bnet.com/topic/mortgages.html"><![CDATA[Mortgages]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/capital+structures.html"><![CDATA[Capital Structures]]></category>
	</item>
	<item>
		<title><![CDATA[Credit Scoring And Mortgage Securitization : Implications For Mortgage Rates And Credit Availability]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=74487]]></link>
		<description><![CDATA[This paper develops a model of the interactions between borrowers, originators, and a securitizer in primary and secondary mortgage markets. In the secondary market, the securitizer adds liquidity and plays a strategic game with mortgage originators. The securitizer sets the price at which it will purchase mortgages and the credit-score...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 21 Dec 2000 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/securitization.html"><![CDATA[Securitization]]></category>
		<category domain="http://resources.bnet.com/topic/mortgage+rate.html"><![CDATA[Mortgage Rate]]></category>
		<category domain="http://resources.bnet.com/topic/securitizer.html"><![CDATA[Securitizer]]></category>
		<category domain="http://resources.bnet.com/topic/mortgages.html"><![CDATA[Mortgages]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+governance.html"><![CDATA[Corporate Governance]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/capital+structures.html"><![CDATA[Capital Structures]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+law.html"><![CDATA[Corporate Law]]></category>
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