The Sapphire Mortgage Blog

September 19, 2008

What a Week for Financial Markets

Filed under: Mortgage Industry News — by nbayron @ 2:56 pm

This past month will surely make the history books, little comfort in that but our Government is taking some strong measures to basically keep the Financial Markets afloat.

First Treasury Secretary Hank Paulson announced that the US government will guarantee public ally offered money market funds that pays a fee. You can read his entire statement at http://www.treas.gov/press/releases/hp1149.htm.  This helped dispel some of the fear and anxiety that is out there, as a result stocks around the world enjoyed a record day!

Secondly, since banks and the financial markets is stagnated with all the illiquid mortgage debts, the Federal Reserve stepped in to create a vehicle to buy these mortgage debts and will turn them into a liquid marketplace. How, details are still being worked on.  This move should be a major help to the long-term housing and lending environment.

Lastly, the SEC has placed a ban on short selling in 799 financially related stocks.  This ban will last through October 2nd and can be extended if needed in 30 day increments. Many short-selling has been placed as “naked-short selling” where the trader shorts a stock without the required step of buying it first!  Lately this has intensified the downward spiral we’ve seen in financial institutions stock pricing and overall losses.  These losses hurt banks and brokerage houses’ balance sheets and limits their ability to properly function.

These are wonderful moves – may not be a panacea for everything plaguing our economy and markets but it has immediately dispelled some of the fear and panic that was rampant. ‘..the crash phase of the Great Financial Crisis of 2008 would appear to be over.’ Stephen Stanley, RBS Greenwich Capital

Mad Money host on CNBC, Jim Cramer said he supported Paulson’s plan and he thinks the great depression 2 is avoided!

 

 

September 17, 2008

Market Volatility

Filed under: Mortgage Industry News — by nbayron @ 11:20 am
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On the news front, the Federal Reserve gave insurance giant AIG an $85 Billion lifeline to keep it from going into bankruptcy. The two-year loan from the Federal Reserve was in return for a 79.9% stake in the company’s stock. This gives AIG some breathing room and time to sell assets to repay the 2-year note.  How this will all shake at ~ only time will tell?

Housing starts hit a 17-year low and building permits were below expectations. While the market expected bad numbers, this sector needs to get fixed as it is a key catalyst in turning the economy around. Housing starts for August were 55,000 lower than expected.

Interest Rates have increased off the lows we saw on Monday, September 8th after the Fed helped bail out Fannie and Freddie.  We are hoping to see some stability as the market continues to digest all of this news.

September 14, 2008

Welcome to our blog!

Filed under: General Musings — by nbayron @ 8:00 pm

Aloha,  I thought a blog would be an interesting way to report mortgage industry news, offer advise on mortgage and credit issues, state statistics on Hawaii real estate and of course some general musings that might crop up along the way.  I would like to keep the content informative with the general purpose to help my valued clients learn something new, reinforce financial goal and keep in touch! 

Wishing you all prosperity!  Nancy Bayron

 

Beautiful Maui Full Moon, July 2008

Beautiful Maui Full Moon, July 2008

 
 
 

 

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