Tiphany Gayhart
Office: (307)654-7725
Cell: (307)690-7701
Fax: (307) 654-7726
Tiphany@silverstar.com

Carla Stone
Office: (307)654-7725
Fax: (307) 654-7726
resv@silverstar.com

Bill Wiemann, Associate Broker
Office: (307) 654-7725
Fax: (307) 654-7726
bwiemann77@gmail.com

Marion Schulte, Sales Associate
Office: (307) 654-7725
Fax: (307) 367-7726
Mobile: (307) 248-2073
Kiwimarion@gmail.com




Real Estate News
MBS RECAP: Strong and Stable all Day
Wed, 23 Apr 2014 20:21:40 GMT

Posted To: MBS CommentaryIt was a refreshingly strong day for MBS and Treasuries. While the gains weren't immense by any standard, they were mostly present from the start of the day and never looked to be under dire threat. Weak economic data hel..[read more]

Mortgage Rates Erase 2 Days of Weakness
Wed, 23 Apr 2014 19:14:00 GMT

Posted To: Mortgage Rate WatchMortgage rates moved lower at a healthy pace today, more than erasing the past two days of weakness, but leaving most of last Thursday's weakness intact. Some of the gains were attributable to today's much weaker than ex..[read more]

California Pending Sales Surge; Short Sales Lowest since 2008
Wed, 23 Apr 2014 17:26:31 GMT

Posted To: MND NewsWireCalifornia appears to be gearing up for a strong spring market according to pending home sales figures released today by the California Association of Realtors® (C.A.R.). The group reports that, based on contracts for home ..[read more]

Housing Market Improving at Slower Pace, but There's a Catch
Wed, 23 Apr 2014 17:14:59 GMT

Posted To: MND NewsWireThe February edition of the new Multi-Indicator Market Index (MiMi) introduced by Freddie Mac last month indicates that the U.S. housing market overall is recovering at a slightly slower pace than it was in January. Nonetheless..[read more]

Home Sales Tank; Inventories and Prices Surge
Wed, 23 Apr 2014 16:15:25 GMT

Posted To: MND NewsWireNew homes sales in March were down 14.5 percent from sales in February to a seasonally adjusted annual rate of 384,000. The New Residential Sales report issued today by the U.S. Census Bureau and the U.S. Department of Housing ..[read more]

MBS MID-DAY: Bond Markets Stronger After New Home Sales Data
Wed, 23 Apr 2014 16:07:13 GMT

Posted To: MBS CommentaryEven before this morning's economic data, bond markets were already in slightly stronger territory. The data itself only helped, though it's a double-edged sword for the Housing Market. New Home Sales hit a 9 month lo..[read more]

Number of Banks is Declining; New Interest in Condo Loans; Existing Home Sales Numbers Dissected
Wed, 23 Apr 2014 14:28:38 GMT

Posted To: Pipeline PressA few weeks ago I wrote about the "over 65ers", the age demographic which is very much a part of the baby-boom generation. Recently the U.S. Census Bureau released " The Centenarian Population: 2007-2011 ," which focuses on t..[read more]

Mortgage Apps Decline; Loan Amounts hit Record High
Wed, 23 Apr 2014 13:24:42 GMT

Posted To: MND NewsWireThe Mortgage Bankers Association (MBA) said the average size of a purchase mortgage loan reported by respondents to its most recent Weekly Mortgage Applications was $280,500, the highest in the history of the survey . MBA said ..[read more]

MBS Day Ahead: Aimless Week, Downbeat Home Sales Forecast, and Technical Silver Lining
Wed, 23 Apr 2014 11:00:04 GMT

Posted To: MBS CommentaryThe first two days back from the extended weekend have been surprisingly uneventful, and that's saying something considering they were already likely to be fairly quiet. There hasn't been much by way of potential mark..[read more]

MBS RECAP: Bond Markets Trickle Back to Positive Territory
Tue, 22 Apr 2014 20:06:39 GMT

Posted To: MBS CommentaryThe overarching caveat for any assessment of today's market activity is that the whole thing occurred in a relatively tight range. Sustained highs and lows were in a 4/32nds range in MBS and just over 2bps in 10yr yields...[read more]

Mortgage Rates Drift Higher Again
Tue, 22 Apr 2014 18:47:00 GMT

Posted To: Mortgage Rate WatchMortgage rates drifted higher for the second straight day despite a relatively flat day for underlying bond markets. Rates pushed into their 2-week highs yesterday, but are still well under the levels seen in the first w..[read more]

Applications, Prices, and Condo Sales Get Second Look
Tue, 22 Apr 2014 17:57:54 GMT

Posted To: MND NewsWireRecent postings on CoreLogic's Insights Blog have a couple of different views of some of the housing numbers generally taken at face value by those of us who follow them. Mortgage applications, cash sales, and home prices all g..[read more]

MBS MID-DAY: Quick Move Back to Unchanged After Weaker Morning
Tue, 22 Apr 2014 16:07:16 GMT

Posted To: MBS CommentaryStocks and bonds have been in relative lock-step for much of 2014 (stock prices and bond yields moving in same direction, aka 'stock lever'). The correlation had been on hold to a large degree over the past few sessio..[read more]

Existing Home Sales Languishing in 2014
Tue, 22 Apr 2014 15:31:46 GMT

Posted To: MND NewsWireSales of existing homes were essentially unchanged in March compared to February the National Association of Realtors® (NAR) said today. Home prices continued to increase in March but the growth has now slowed from previous..[read more]

Measures of Housing Distress at 7+ Year Lows
Tue, 22 Apr 2014 14:30:59 GMT

Posted To: MND NewsWireBlack Knight Financial Services said today that the mortgage delinquency rate in March was the lowest in the U.S. since October 2007 and the foreclosure rate was the lowest since October 2008. September 2008 is the date most co..[read more]

Non-QM Loan Webinar; TD Bank's No MI Program; New Jumbo Program From ResMac
Tue, 22 Apr 2014 14:17:51 GMT

Posted To: Pipeline PressHere's a little trivia for you. This week I am in Minnesota and Kansas, but 4,000 miles away not a single one of the country's ten biggest banks, including Bank of America, Chase, Citi, and Wells Fargo, has a retail location ..[read more]

MBS Day Ahead: More Meaningful Economic Data, Treasury Auctions Begin, Vacations End
Tue, 22 Apr 2014 12:00:05 GMT

Posted To: MBS CommentaryGlobal financial markets were unequivocally still out on holiday breaks yesterday--unofficially in the US and officially in Europe. There were no major reactions to Geopolitical headlines or any other substantive market mover..[read more]

MBS RECAP: Bond Markets Weaker, but Staying Inside Last Week's Range
Mon, 21 Apr 2014 19:57:20 GMT

Posted To: MBS CommentaryThe trading day was an insult to anyone attempting to pay any attention today. Considering it was the slowest day of the year (including early closes ahead of holidays), it didn't take much effort by traders to move price..[read more]

Mortgage Rates Edge up to 2-Week Highs
Mon, 21 Apr 2014 19:13:00 GMT

Posted To: Mortgage Rate WatchMortgage rates were just slightly higher today, extending a more forceful move higher last Thursday. Whereas markets reacted to deescalating tension in Ukraine and stronger domestic economic reports last week, the curren..[read more]

MBS MID-DAY: Holiday Weekend Unofficially Extending Today
Mon, 21 Apr 2014 16:09:44 GMT

Posted To: MBS CommentaryIf bond market activity is any indication, today might as well be another day of the extended holiday weekend. In fact, this is officially the case in Europe, which is part of the reason things are off to a slow start in the ..[read more]

Home Remodeling Growth Projections Extended
Mon, 21 Apr 2014 13:36:35 GMT

Posted To: MND NewsWireHome remodeling remains strong throughout the country although it has begun to experience some of the moderation that has been predicted since late last year. The Remodeling Futures Program at the Joint Center for Housing Studi..[read more]

Ocwen Freezes Servicing Deals; US Bank Earnings; Another Stated Income Program
Mon, 21 Apr 2014 13:32:05 GMT

Posted To: Pipeline PressThe commentary on Saturday noted predictions for 2014, and how things were shaping up so far. Attorney Phil Stein observed, "Here is another issue to consider about how 2014 is shaping up so far. The tide really seems to be t..[read more]

MBS Week Ahead: Limited Data and Events Leave Focus on Headlines
Mon, 21 Apr 2014 11:51:03 GMT

Posted To: MBS CommentaryJust a few short days after the ostensible deescalation in Ukraine following Thursday's Geneva talks, violence broke out over the weekend with a shootout between pro-Russia activists and unidentified gunmen. Russia quickl..[read more]

CFPB Disclosure Form News; Create Your Freddie User Profile; How is April Looking for Lenders?
Fri, 18 Apr 2014 13:52:45 GMT

Posted To: Pipeline PressTommy LaSorda supposedly said, "I found out that it's not good to talk about my troubles: 80% of the people who hear them don't care and the other 20% are glad you're having trouble." Many mortgage banking analysts are concer..[read more]

MBS RECAP: Moderate Selling Followed by Heavy Selling and Tons of Reprices
Thu, 17 Apr 2014 19:02:59 GMT

Posted To: MBS CommentaryBond markets had a bad day. The setup for this one started as early as Tuesday, when what looked like a shift toward weakness on Monday was instead greeted with a refreshing amount of resilience. Despite the fact that the res..[read more]

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