8-31-2009 - Just want to let you know that I find lots of value in the Bond Market page and that alone is worth the price of admission, but the content of this past week's Prime Time Focus with Jim McMahan was invaluable. That kind of information helps me plan for the future and gives me a big leg up on my competition. Thank you for providing such valuable content. - Randall 8-20-2009 - Conarchy's Corner Feedback: I have been in the mortgage business for 22 years and an MMG subscriber since 2000. I have been listening to Ed Conarchy for a few months now. I like what he has to say and how he presents. He has helped me pull stats together that I might not otherwise have interpreted as well or perhaps missed in my day to day mortgage activities. With all the industry guideline changes and new data being thrown at us these days, accompanied by HVCC, MDIA, HERA and the fact that each loan is a challenge in today's intense risk management lending world, we only have so much time in the day to get informed. Ed's concise and clear presentation is quick & loaded with useful information. Ed's data has helped me numerous times with my clients. I truly appreciate the time he takes to "pay it forward" with MMG & their subscribers. Thank you Ed! - Rainey G. 7-29-2009 - I have subscribed to your service for about four years…your suggestions, in my opinion are always on target. I think what helps me the most is mentioning to prospects that are shopping, that I belong to a service that emails me and voice mails me usually twice a day on whats happening on interest rate changes in the mortgage market. It eliminates rate shopping and I usually (actually always) get the transaction…Today I jumped on your mid day alert and locked within minutes of the lender changing the price. I made an extra $378. Is that a lot, no…but this scenario is consistent with many transactions…they all add up…I would recommend your service to everyone. Without it, your going to bat without a ball. Thanks again….Tony - Tony F 7-02-2009 - The "Market News" ticker in the upper right hand corner of the Bond page is a really nice feature and compliment to the Daily briefing....thanks! - Craig B. 6-23-2009 - Thanks guys! More importantly, this got my buyer to sign the contract! - SK (saved $400) 6-17-2009 - I placed a strategic call after the lock alert today to a client who hadn't decided whether or not to refinance (they really wanted $100,000 cash out). The reprice alert and the scripting verbiage were the push needed. - SK (saved $2500) 6-17-2009 - Because you said to float yesterday, I did. And because you said to lock today, I did. As a result, I got more for yesterday's loan by locking today ahead of the reprice and made about $450. Thank you!! - JU (saved $450) 6-17-2009 - The ability to monitor today's volatility allowed us to lock in a loan at a profit that was completely under water for the last 3 weeks. Thank You! - NF (saved $6000) 6-12-2009 - I have had this service for 3 days after meeting Barry. He was good enough to give me some very sound advice about 2 loans that I had floating. That $600,000 in volume has come back to a profitable level at 5.5% where it was costing me to close those loans on Tuesday. I am so hooked on this program after 3 days that I am angry with myself for not buying into this years ago. Thanks Barry. - DW (saved $5000) 6-04-2009 - I was attending my son’s high school graduation today when the “Alert to lock” showed up on my cell phone. I sent a text message to my processor to lock 3 loans before getting hit with a ½ point mid-day price increases. I saved $3,000. Why would anyone go without MMG?? - DW 6-04-2009 - I just locked before a Reprice. I would have lost .375 in fee if I had not jumped on it before you alerted me. - KF (saved $574) 6-04-2009 - I got a rate locked just under the wire and wouldn't have been able to do it without your help. That practically pays for the subscription with 1 loan! - DM (saved $488) 4-28-2009 - I locked over $4.5m in volume before the price change. Huge savings. Couldn't live without MMG. - MB (saved $14,000) 4-21-2009 - I managed to lock before a re-price for the worse on 4 loans and saved over $5500. Thanks team! - AT (saved $5500) 4-21-2009 - LOCKED BEFORE HIKES OF MID DAY PRICING. ALERTS ARE RIGHT ON!! - Mike G 2-09-2009 - Barry, I just wanted to send a quick note to you. I signed up for MMG & MMG Weekly 3 years ago. I was listening to the video today and thought, I should really send a quick note tell you how great I find MMG and the newsletters. You are doing a great job in a tough time! Keep up the good work! - Bob 01-28-2009 - I had $1m in refis and have been afraid to leave my desk while trying to float them - Caught pricing moments before your alert and saved 0.25% for all my clients - Bravo! - TE (saved $2820) 01-28-2009 - Thanks for the competitive edge. It is cut throat right now. I wouldn't know what to do without MMG and Barry Habib! - PH (saved $2000) 1-16-2009 - Thank you for continuing to help us serve our clients best. - Louise 01-16-2009 - Based on your Alert I locked in a $625,500 loan one minute before our reprice for the worse. I saved the customer a quarter point! Thanks!! - HH 01-16-2009 - Locked prior to the lock alert because I looked at the bond page. A few mins later I got your alert. If I did not have MMG then I would have not known the market was getting worse. Thanks MMG! - DC (saved $1618) 12-31-2008 - Barry, Just had to thank you for being a voice of reason during this crazy year! It’s been a tough one for me – I’m a one-man shop and it sometimes feels like I’m being squeezed out of the picture. I believe in myself though as well as the message you deliver through your MMG Weekly and Monthly newsletters, so I started sending the newsletters to every contact in my database this past August (August 6th to be exact). I’ve kept it up over the last four months and your thoughts have resonated with my clients. Many have called just to thank me for sending such great information! Well, those calls have lead to the fattest pipeline I’ve had all year – 15 active loans, 8 within the last three weeks. I can honestly say that I’m looking at making $30K to $40K over the next month thanks to your newsletters. - CC 12-30-2008 - My hats off to whomever put this week's MMG Weekly newsletter together, very good job. I am getting several compliments on the information. Really something we can use. I love the idea of the video's...super. - JH 12-23-2008 - I am so happy to have MMG in my corner. The info is so valuable. - LH (saved $20,000) 12-11-2008 - I locked in 5 loans as soon as I received this alert. Thank you, your service is priceless in these volatile times! - Mike B (saved $4200) 11-12-2008 - Barry, Once again you and your team were right on - advising on/off over the last couple of weeks to float "if you have the stomach for it" ... well I did and it paid off. THANKS!! - TC (saved $4728) 10-20-2008 - I was able to lock a VA loan that I had and I made an additional 1800 and got my clients a lower rate than they expected! What a win win!!!! - DJ (saved $1800) 10-16-2008 - Barry, Thank you for all the knowledge you shared in today's conference call. I get e-mails everyday to listen in on conference calls with different "experts" in this industry. If I choose to participate, many times I'm disappointed and feel it was a waste of my valuable time. Quite the contrary with your call! Very informative, great substance and extremely valuable! - DC 10-09-2008 - Locked in before a devastating .5 reprice for the worse. Saved $1084.46 Thanks MMG!! - JA (saved $1084) 10-07-2008 - Yesterday morning I spent an hour on Supertalk radio being interviewed about the financial crisis. As a member of the Mortgage Market Guide, I was able to use what I have learned from Sue and Barry to discuss this situation as an "expert." From the comments I've heard, it went very well. Thanks to you guys for providing such a good service. - JH 10-01-2008 - I was the hero yesterday! Locked a customer ahead of a re-price (thanks to Alert to Lock) and saved about $2000! My customer thinks I really do have a crystal ball . . . but I tell everyone it is Mortgage Market Guide. - DH (saved $2000) 09-26-2008 - Just wanted to send a note about how grateful I am of my MMG membership. With all this turmoil it has allowed me to speak to my referral partners and clients with a clear head - with real time information, not yesterdays news! Thanks for the education, it's certainly come in handy these past couple weeks! - TP 9-17-2008 - What a difference a day makes. Got the advice to lock yesterday morning. Locked immediately. Just checked pricing this morning, 24 hours later. Exactly 1 Point higher. Thanks MMG. - MR (saved $4085) 9-17-2008 - I locked in before the re-pricing started and saved over $1400!!! - SL (Saved $1400) 9-16-2008 - Just saved .25 point on a loan that I lock ahead of a reprice. Thanks MMG - DC (Saved $618) 9-16-2008 - How can career originator work without this tool! - RR (saved $800) 9-12-2008 - Took your advice and locked in two clients prior to a lender re-price for the worst. - DC (Saved $3075) 9-11-2008 - I was able to lock in before we had a reprice for the worse. Client was happy and I reinforce my position as the trusted advisor. Thanks! - SH (saved $665) 9-05-2008 - Your advice this morning to lock before lenders re-priced for the worse saved me $525 just on one loan. I saved .375 on a $140,000 loan. Should the loan size not have been so small the savings would have been greater. I was able to do a float to relock for my client. She went from 6.5% to 6.25%. Thanks Again Barry.. You always make me look like I am at the top of my game!! You are worth every penny!! - SS 9-05-2008 - Once again you were right!...I had three files that I've been floating carefully for the past three days. Just locked & loaded! - TC (Saved $3748) 9-05-2008 - Barry, You and your staff called it on the money! Your "float into the job report" recommendation, is exactly what I did and told some clients to do this and explained why per your information. I looked great and I was able to get better rates for my clients. Thanks again!!! - BF 8-21-2008 - MMG just made me an extra $1,480.49 and saved my client $1.320.86 THANKS! - SA (Saved $1480) 8-13-2008 - Locked after the alert and pricing fell off by more than .375%. Thanks MMG! - GD (saved $700) 8-13-2008 - This alert saved me $520. I was able to lock a loan that was floating minutes before the lender repriced by .250 for the worse. - RT (Saved $520) 8-11-2008 - Locked in ahead of 2 lender reprices today totaling .375% saving the client $2,062. Great job! - MS (saved $2062) 8-08-2008 - Great stuff! I locked in right at the up 34 bps mark and saw a .25% improvement on my agency jumbo. Thanks!! - MS (saved $2022) 7-25-2008 - Thank You for today's alert. I was in the middle of taking an application at a CPA's office, so I was not web connected, but I was able to protect the rate and get it locked before we re-priced! Thanks MMG! - TR (saved $950) 7-25-2008 - Thank you team. To view mortgage backed securities really adds value to my practice and has effectively served my clients by knowing the best time to execute a lock. This proves more valuable then ever now in this crazy marketplace. Thank you! - TD (saved $1000) 7-16-2008 - I have been a long time subscriber to MMG and I have made so much money using this service. Thanks!!!! - JD (Saved $903 from 7-15-2008 - I actually locked two loans yesterday, saving my clients an .125% in rate and earning me their trust. I've been a MMG subscriber for a few years now and can't imagine doing business without it. It is one of the few mortgage products on the market that you can honestly say makes you money throughout the year. Thanks Barry! - CT (saved $1000) 7-15-2008 - I got the alert, called my borrower, locked in some solid pricing, and minutes later received a reprice for the worse!! Thanks MMG!!! - RF (Saved $2500) 7-11-2008 - Saved my client $575 by locking two minutes prior to re-price. Client was on the fence post on whether or not to proceed, so he said lock and close!! He makes out and I make out because he's ready to roll and close now!! - BA (Saved $575) 7-11-2008 - The bond chart w/ the 200-day MA, once again, proved to be a tough ceiling. I locked a loan prior to a re-price for the worse and saved $975. Thanks MMG! You're the best! - PJ (Saved $975) 6-30-2008 - This calendar year I have saved myself and my clients thousands of dollars through the valuable info provided in the MMG updates & lock alerts. On one deal alone I paid for the entire year’s subscription, and my clients reap the savings as well. In this volatile market, MMG is more significant than ever. - MS 5-30-2008 - Once again your alert came right in time!...no sooner did I finish locking in when we received a re-price notice! - Tony C (Saved $2380) 5-29-2008 - By locking when Barry suggested on May 22nd, I saved exactly 209bps on a $268,000 loan amount. This equates to $5,601.20 in price savings. My client was extremely pleased and it really sealed the deal because he was shopping me with not just one other lender, but 4 other lenders. As a result, I was able to clinch the deal and make a total commission of $6,237. Thanks MMG! - HM (Saved $5601) 5-07-2008 - WOW!! What a great way to start the day - Art's Charts is fabulous and wonderful - Looking forward to more More MORE!! While my "competition" is turning into insurance salesmen and waiters, here I am with cutting edge technical market analysis. - TE 5-01-2008 - I got the alert to lock today and was able to lock in my best rate for my client and earn an extra .125 for myself. All 1 minute, yes 1 minute, before a price change for the worse that made it disappear! If real estate is about location, location, location, then our business is all about timing, timing, timing and MMG is indispensable in this market. - WB 5-01-2008 - Barry, Thanks for the alert to float yesterday and the update this morning. Because of your service my client not only got an 1/8th better in rate, I made an additional 1/2%. - DM - Saved $1100 4-23-2008 - I have been a member of MMG for over 4 yrs and all I can say is anyone that is in our business and is not a member -- shame on them! - TC (saved $4200) 3-28-2008 - Lack of production has forced me to drop many of my "extras" in the business. However this service was paid for in full within the first month. Every month since then, even if closing only one loan I have earned, or saved my clients thousands of dollars. I can't afford to be without MMG. - RH 3-13-2008 - Great advisory which allows me make more money and better advice my clients. I also love all of the tools that come along with this membership. Thanks! - EC 3-12-2008 - Again the MMG staff has saved me another large amount of money. I can't believe everyone isn't a subscriber! - JW (saved $7500) 3-06-2008 - In the last three days these alerts have saved me from losing 7 borrowers and gaining the trust of these clients! Thanks to your alerts I was able to pull over and lock 7 loans before we ever had a price worsening. - DB (saved $20,000) 3-04-2008 - I locked yesterday after watching the volitility on the bond page. I was able to avoid 2 reprices for the worse. Thank you MMG! - MP (Saved $3500) 2-27-2008 - This is great, Barry! Wow. I never have to just guess when I have MMG watching my back. Thank you - JN (saved $2400) 2-07-2008 - Your alerts are priceless! I have been a member for 6 or 7 years. Hope my competition is too cheap to subscribe! - AA - saved $3000 2-06-2008 - Barry Habib, Bill Bodnar, and all of the staff of Mortgage Market Guide, your service has saved and made me over $30,000.00 per year for the past 4 or 5 years...it is the single most important tool I use to help my clients maximize their investment dollars. The alerts, the morning commentary, and all of the other tools are infinitely valuable to the Mortgage professional. I have encouraged all of the Mortgage Consultants in my company to subscribe to your services. MMG adds value and saves money in an exponential basis, when we think of its cost annually...thank you! - RM 2-06-2008 - Thanks so much for the recent article about the Fed vs the 30 yr Fixed! I had called only a few days ago to see if there was something, and was told that it was in the works. It was everything that was promised, and more! Yours is absolutely the best description, with the data in the chart! Worth a year’s subscription! My clients think I am a genius, but I know that I can only seem that way with the great support from MMG. - RI 1-30-2008 - Barry and all of MMG! I just can't say thanks enough to you and the MMG group! The market updates (especially today's!) and instant alerts, especially in these volatile times, are absolutely of HUGE value to me as I serve my clients! - CB 1-29-2008 - I just locked four loans only minutes before our pricing changed. Thanks again Barry. Your service is the greatest!!! - DK (Saved $1600) 1-24-2008 - Based on the info I received from MMG I sent an email to my database. I received 5 new APPs in 45 minutes. Also 6 of my existing pipeline clients called to be sure we were ready to lock them in. I am happy to say we did execute most of these locks on Wednesday and saved these clients big time. More importantly I have not stopped receiving calls all week asking how I could possibly foretold the week’s events so accurately. Thanks again…I cannot figure out how I could ever live without MMG running on my desk top? - TS 1-24-2008 - By following the MMG Alerts over the last week I have gained/saved over $10,000 on my pipeline. I have used MMG for years and absolutely love it! - JW (saved $10,000) 1-24-2008 - I locked 5 loans after the instant alert yesterday and saved over $6,000 in potential pricing losses. I would be lost without my streaming bond quotes on my computer screen! Thank you so much for always keeping us one step ahead of the market. - JT (saved $6000) 1-23-2008 - I have been an MMG member for 3+ years now and at no time has the lock advice come in more beneficial than in our current environment. I have locked 31 loans in the last 24 hours and I cannot even quantify (not like I even have that much time) the amount of money I have saved my clients, not to mention myself by avoiding re-prices for the worse. Thank you for your continued excellence – you have a career member! - DG 1-23-2008 - I was able to lock in 5 loans before my lenders repriced. Thanks for the great info as always. - MM (Saved $5000) 1-22-2008 - Amazing system. I can't believe I was using the 10 yr note as an indicator of interest rate movements for so long. I know exactly how my lenders price from changes in fnma price alerts. I'm sold. - CJ (saved $2500) 1-16-2008 - What a great service. I was able to lock ahead of the competition. Lenders in my area are always a day behind the curve just watching their current rate sheets. They have no idea what will happen tommorrow. Thanks MMG! - EB (saved $2048) 1-16-2008 - I was able to renegotiate my customer's rate today with improved pricing prior to a re-price at 4 pm this afternoon. Absolutely saved my deal and I have one happy customer for life! - PS (saved $1458) 1-16-2008 - Thanks to the MMG alert I was able to lock my loans and get my clients the best rate possible. The word on the street is that I have the inside scoop. Thanks Barry and all the staff at MMG. - JD (saved $8,000) 1-16-2008 - Your alert worked - I locked a $400k refi just 5 minutes before seeing a reprice for 25bps worse. - AK (saved $1000) 1-10-2008 - I locked in FIVE loans... 3 of which are because of the instant alert.... and saved the most i've saved ALL year... - BD (saved $3,412) 12-26-2007 - Two weeks ago I floated when everyone else was locking and by waiting it out two days made an extra $1200 - right now that is a lot of money. MMG rocks! - DB 12-22-2007 - I just signed up with MMG and this alert just paid for 2 years of my subscription! - JL (saved $2000) 12-22-2007 - I locked a bunch yesterday noontime due to your warnings. I locked 6 loans that I would not have been able to do if I had waited. Thanks! - DW (saved $5000) 12-21-2007 - MMG has not only saved me huge $$$ regarding rate locks, but also allows me to be that trusted advisor by advising clients in an area where my competitors are clueless. This is the best service that I subsribe to hands down. And I have them all! - JB 12-20-2007 - Learning to read the writing on the wall before I even get the updates... Thank you for all the tools! - NS (saved $4000) 12-07-2007 - Thank you so much for the alerts. - CH (saved $3500) 12-07-2007 - I took the advice from yesterday mornings daily update, locked 8 loans and saved a minimum of $15,000 before yesterdays rate alert. To think I almost didn't *HAVE* the money to renew on the 1st of december, this just paid for a lifetime of renewals....thank you - JH 12-07-2007 - Probably saved $10,000 easy this week due to MMG subscription. - DP 12-11-2007 - I waited to lock (based on your alert) and saved $5000 in discounts. - RD 12-19-2007 - PERFECT timing!!! I was on the site looking for the technicals since there wasn't any economic market moving reports on the horizon I needed to know where I could take a deal that fell out of another investor. Then low and behold this alert came out and the change of investor will be transparent to my borrower!!! I just paid for my subscription with one alert!!! Thanks - DR 12-20-2007 - I locked based upon this and made $2,219. - AR 12-19-2007 - I made 5k today because I stopped someone from locking. I knew the market and my competition did not. - AR 12-10-2007 - Because of the text to my phone and then the recorded message I had about 30 min. to lock 7 loans - still missing 3, because I didn't have enough time before they closed the lock desk - Saving me over $9,000 - Great Service!!!!!! - JW 12-10-2007 - Excellent. you saved my ace. - JK 12-13-2007 - By reviewing the mmg updates 1st thing in the office and following the alerts, I can lock in deals before the lenders get thier repricing out. Thank you Barry. - BH 12-10-2007 - I was able to give two borrower's a lower interest rate than I had signed them up on and gain an extra $2,300 in yield spread. They were both thrilled and I have already received a referral! - JK