Good news! Effective August 1, 2021, Fannie Mae and Freddie Mac will eliminate the Adverse Market Refinance Fee for loan deliveries. Most lenders will remove this fee shortly in the upcoming days. This is a great opportunity to consider refinancing.

Mortgage rates recently dropped and are now sitting near a five-month low. Refinancing applications jumped in the last two weeks, according to the Mortgage Bankers Association, and will likely move even higher with the fee removal.

Consumer prices increased 5.4% in June from a year earlier, the biggest monthly gain since August 2008. Fed Chairman Jerome Powell has been steadfast in stating that inflationary pressures are transitory, though a Fed report last Friday indicated that upside risks are increasing. However, bond prices are still under some selling pressure.

It’s a good time to submit files for refinance, as the rates are expected to drop shortly.


好消息! 根据今天的 FHFA 公告,房利美和房地美将从 2021 年 8 月 1 日起取消贷款交付的逆向市场再融资费。大多数贷方将很快取消 50 个基点的再融资费。 这是重貸的好机会。
抵押贷款利率最近下降,现在接近五个月低点。 根据抵押贷款银行家协会的数据,再融资申请在过去两周激增,而且随着这笔費用的取消,再融资申请可能会更高。
6 月份消费者价格同比上涨 5.4%,为 2008 年 8 月以来的最大月度涨幅。美联储主席杰罗姆鲍威尔一直坚信通胀压力主要是暂时的,尽管美联储上周五的一份报告表明上行风险正在增加。 然而,债券价格仍面临一定的抛售压力。

Economic Calendar

Report Period Estimate Impact
Date: Mon. Jul. 19
Housing Market Index Jul 83 Moderate
Date: Tue. Jul. 20
Housing Starts Jun 1.590M Moderate
Building Permits Jun 1.700M Moderate
Date: Thu. Jul. 22
Existing Home Sales Jun 5.90M Moderate
Jobless Claims (Initial) 7/10 352K Moderate
Daily rate based on: SFR/Primary/LTV60/FICO 780/Purchase
IMPORTANT: Advertised rates were valid and effective as of the date reflected above, are for informational purposes only, and are subject to change without notice.

Loans are subject to credit and collateral approval. Advertised rates are based on a set of loan assumptions including a borrower with excellent credit history and optimal loan characteristics. Your final interest rate and annual percentage rate (APR) may differ depending on your individual transaction’s specific characteristics, and certain products may not be available for your situation. Several determining factors include, but are not limited to, the state of the property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value, and credit score.

APR reflects the cost of credit over the term of the loan expressed as an annual rate. For mortgage loans, APR may include the interest rate, discount points (also referred to as “points”), and other charges or fees (such as mortgage insurance and origination fees), but does not necessarily take into account other loan-specific finance charges you may be required to pay.

Golden Star, Inc. dba Transglobal Lending, 185 W. Chestnut Ave., Monrovia, CA 91016, NMLS # 1437002 ( All rights reserved. Equal Opportunity Employer and Equal Housing Lender. All mortgage products are subject to credit property approval. Rates, Program terms and conditions are subject to change without notice. Additional conditions, qualifications, and restrictions may apply. This is not an offer for extension of credit or a commitment to lend.