Fannie Mae published a new rule on March 10th to make it tougher and more expensive to get an investment property mortgage. Borrowers who were planning to buy a second home with a conforming mortgage will likely encounter higher costs and possibly stricter requirements. The new rule puts extra risk on lenders, because they could be left with loans nobody wants to buy. Some lenders have already added a charge equal to 2.25% of the loan amount on all non-primary-residence applications.

The Fed just announced today that the temporary change to its supplementary leverage ratio (SLR) for bank holding companies will expire as scheduled on March 31. It means banks will have to lift their reserves by raising capital.

All applications should be locked when it gets approved. The rates may get worse before getting better, especially now with banks becoming new sellers in response to the Fed’s announcement this morning.

房利美于3月10日发布了一条新规定，使投资性房地产抵押贷款变得更加困难且成本更高。计划购买的第二套房子的借款人可能会遇到更高的成本和更严格的要求。新规定给贷款銀行带来了额外的风险，因为贷款銀行可能需要保留下没人愿意购买的贷款。一些贷方已经在所有非主要居所申请中增加了相当于贷款金额的2.25％的费用。

美联储今天刚刚宣布，其对银行控股公司的补充杠杆比率（SLR）的临时变更将按计划于3月31日到期。这意味着银行将不得不通过筹集资金来增加储备。

所有批准的貸款申請都应該锁定利率。因為利率可能在变得更好之前就变得更糟，尤其是现在，随着今天上午美联储的宣布，银行成为新的卖方。

Economic Calendar