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Mortgage Rates at Crossroads Ahead of Jobs Report; Credit Availability Flat; Does Pre-Buy Counseling Matter?

Mortgage Rates at Crossroads Ahead of Jobs Report; Credit Availability Flat; Does Pre-Buy Counseling Matter?

Mortgage rates began the day slightly higher, on average, but managed to make it back in line with yesterday's levels by the afternoon. Some lenders are in slightly better shape. Some are worse. In either case, the differences between today and yesterday would be minimal--only affecting the closing cost/credit side of the rate equation (as opposed to changes in the rate itself. Most lenders continue quoting conventional 30yr fixed rates in a range of 3.625% to 3.75% with the latter gaining significant traction over the past few days. Tomorrow brings the most important economic report of any given month: The Employment Situation (aka "nonfarm payrolls" or simply, the "jobs report"). As always, the jobs report carries significant market moving potential , for better or worse. At the moment, we
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