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Mortgage rates rise after a six-week slide\r\nBy Holden Lewis • Bankrate.com • Jan. 26, 2006\r\n\r\n\r\nA six-week slide in mortgage rates has ended as the bond markets prepare for yet another short-term rate increase by the Federal Reserve.\r\n\r\nThe benchmark 30-year fixed-rate mortgage rose 5 basis points to 6.17 percent, according to the Bankrate.com national survey of large lenders. A basis point is one-hundredth of 1 percentage point. The mortgages in this week''s survey had an average total of 0.29 discount and origination points. One year ago, the mortgage index was 5.68 percent; four weeks ago, it was 6.28 percent.\r\n\r\nThe benchmark 15-year fixed-rate mortgage rose 2 basis points to 5.75 percent. The benchmark 5/1 adjustable-rate mortgage rose 4 basis points and now matches the 15-year fixed rate at 5.75 percent.\r\n\r\nThe benchmark 30-year rate had fallen six weeks in a row since topping out at 6.39 percent the week of Dec. 7. It bottomed out last week at 6.12 percent. The slight increase has been attributed to a couple of factors: the Fed''s upcoming rate hike and auctions of federal debt.\r\n\r\nMembers of the Federal Reserve''s rate-setting committee have sent unmistakable signals that they will increase the federal funds rate by a quarter-point again when they meet Tuesday. The 14th increase in a row will bring the federal funds rate to 4.5 percent and the prime rate to 7.5 percent.\r\n\r\nOne strong hint came last week from Jeffrey Lacker, president of the Federal Reserve Bank of Richmond and a member this year of the Fed''s rate-setting committee. After a speech in Richmond, he told reporters, “I don''t think we''re done yet” in raising rates.\r\n\r\nA milder hint came this week, when Mark Olson, a Fed governor and member of the rate-setting committee, said the central bank is “watching very carefully the potential impact of inflation, and especially any price increases that would pass through to core inflation.” He meant that the Fed is looking for signs that higher fuel prices are translating into higher prices for other goods and services.\r\n\r\nDoug Duncan, chief economist for the Mortgage Bankers Association, predicted confidently on Wednesday that the Fed will raise short-term rates twice more, then rest.\r\n\r\nThe nation''s budget deficit also contributed to this week''s slightly higher rates.\r\n\r\nThe government borrows money by selling Treasury securities. This week the Treasury sold billions of dollars of debt, including $22 billion in two-year notes instead of the usual $20 billion. Demand for the notes was weaker-than-expected, which translated into lower prices. When bond prices go down, yields go up – and mortgage rates tend to go in the same direction as Treasury yields.\r\n\r\n\r\nhttp://www.bankrate.com/brm/news/mtga/20060126a1.asp
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The government borrows money by selling Treasury securities. This week the Treasury sold billions of dollars of debt, including $22 billion in two-year notes instead of the usual $20 billion. Demand for the notes was weaker-than-expected, which translated into lower prices. When bond prices go down, yields go up – and mortgage rates tend to go in the same direction as Treasury yields.
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