Thanks for your updates. You're making me money by better managing my pipeline! The Mortgage Market Guide is also giving me an advantage in speaking with my borrowing clients and my affinity partners. I've had financial planners surprised by my (your) analysis. The Mortgage Market Guide's easy to understand presentation is taking these relationships from "me too mortgage company" to exclusive mortgage advisor.

I used your voice mail update with a hard shopping client on locking in. On playing your voice-alert to him over speaker, he said, "OK, just take care of it!" Now when I call him, our conversations are much more amiable and in an advisory capacity. He's not shopping anymore!

Thanks Barry!

Tony Tylman
Cornerstone Mortgage
San Antonio, TX

Thanks Barry, your new Market Guide is the most exciting new tool for loan officers that I have seen in years. Giving loan officers the knowledge and insight to increase the olds of locking in the best interest rate on perfect day is a huge gift to the industry. Personally I used to read three different news sources to stay on top of the market, now I only have to read one because you analyze the news and events and how they affect mortgage interest rates. My only complaint is that you didn't do this Market Guide years ago, your advice could have saved me a lot of stress and thousands of dollars from locking in rates on the wrong day.

Dave Savage

This service is great. It is written in easily understandable language, which allows me to share the info with my customers. I have even printed it out and shown them some of the technical indicators, which relays the impression that I am very aware of what is happening in the mortgage market.

I am not just another loan officer quoting a rate but someone who has true knowledge and understanding of the process.

Michael T. Alea
Elite Mortgage Network

Thank you. I like it (Mortgage Market Guide). It is direct and concise. Its strength, in my opinion is the way it is segmented into brief analysis on MBS, Locks, Economy, Stocks, and Economic Calendar. Easy to go back to as a reference to scan and pick out an item of interest while conversing on the phone with clients.

Shawn Quinn
Vice President Operations
Monterey Coast Mortgage

As a coach at Building Champions I have a unique opportunity to speak with and coach many top professionals in the mortgage industry. It is paramount that we get our clients thinking in terms of how they distinguish themselves from their competitors. Like every other industry in the world today, ours is rapidly moving toward a more sophisticated and automated model. As such, one clear way originators can separate themselves from the pack is by superior knowledge and understanding of the business. Barry Habib's Mortgage Market GuideSM is a tool that can provide a daily edge to those who choose to use knowledge as their competitive weapon. Barry's unique insight and technical analysis of the pertinent mortgage instruments are highly effective ways to educate your borrowers and referral sources alike. We strongly recommend this tool to our clients and to any originator who wants to increase their productivity and effectiveness in the sales process.

Steve Scanlon
Coach - Building Champions

Your Mortgage Market GuideSM has been extremely valuable in helping me manage my Float/Lock pipeline. I've found with having over 100 loans in the pipe at all times, and closing 40+ loans per month, you've saved me tons of time explaining the market to people. With educated consumers, I forward them your graphs, as well as quote you regarding market risk and potential changes. With less educated consumers, I just tell them what you've said, and they feel more comfortable that the info is coming from an expert. I also send them to your articles on CNBC.COM and tell them to watch your pieces on CNBC. I think it gives me extra credibility. I've probably locked an additional 20 refi's in the last month by using you as a 3rd party authority to convince people to proceed now rather than wait until something better comes along. Also, if it turns out they shouldn't have locked; I won't have to feel guilty that I directed them incorrectly with my own opinion. Your service has provided me more value than it will or could ever cost.

John Weller
Cherry Creek Mortgage Co
Denver, CO

I cannot thank you enough for your Mortgage Market GuideSM.

Your expertise in summarizing the market has not only been insightful for me but has provided me the opportunity to offer quick and valuable information to my clients and partners. This fabulous tool has saved me time and effort and has proven to be a credible resource.

You are the best!!!

Thanks again,
Jane Floyd

Barry,

In today's Internet environment, I'm constantly bombarded with mortgage information and market information. Most of it, I ignore. I'm a small mortgage broker in California, and fortunately, I signed up for your service. I'm refinancing a non-owner occupied, stated income, property. I received your message last Friday suggesting we lock loans. I took your advice and locked the loan at 6.75% and a .25 cost. I had been planning on waiting to see if pricing would improve over the next week. Had I not taken your advice, I would be looking at a rate of over 7% and a cost of 1 point. Your advice saved me thousands of dollars over the life of the loan. I now look like a hero instead of a bum.

Thank you for your service, your knowledge and your advice. I now read everything you send and my business acumen has changed because of your service.

Sincerely,
Jeff Cornish

Barry,

I wanted to take a minute to say thanks a million for the outstanding report. Last Friday myself and 6 other loan officers sought refuge in locking in "floaters". Everyone still has the attitude that Mr. Greenspan will reduce rates further and that they will some how get a rate of 6% or less, "HA". Your report saved us what I estimate is around $25,000. These are real dollars. I think the general consumer is finally realizing that it's time to lock and not look back.

Thanks again,
Steve Rockefeller
Branch Manager
SunTrust Mortgage
Virginia Beach, VA

Barry:

I have found your newsletter and market updates one of the most useful tools for my business; it's better than anything I have seen in years! I look forward to the newsletter and feel comfortable on the road knowing that with your instant market alerts I will never be caught in a market decline without notice.

Thank you, Thank you, Thank you!!! I will pass this useful tool on to others within my company to make sure they have the "edge" on the competition with the mortgage guide and market alerts.

Betsy Cavanaugh
First Horizon Home Loans