"If it weren't for baseball, many kids wouldn't know what a millionaire looked like." Phyllis Diller

I have not failed. I've just found 10,000 ways that won't work.
- Thomas A. Edison

A man is never drunk if he can lay on the floor without holding on.
Joe E. Lewis

How to Dig out Your Car After a Snow Storm - wikiHow http://ping.fm/PLeBa

He's simply got the instinct for being unhappy highly developed.
- Saki

"Tragedy is when I cut my finger. Comedy is when you fall into an open sewer and die." Mel Brooks

How to Sit Through Opera - wikiHow http://ping.fm/J2On1

Just Settleted On A New Home In Annapolis, MD 21409

Annapolis Real Estate and Relocation - Anne Arundel County, the Eastern Shore, and Surrounding Counties in Maryland

TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR® Visit Us At AnnapolisHomes4You.com

Anne Arundel County Week in Review http://ping.fm/sLGZ0

Home For Sale at 2612 Foremast Ally Annapolis, MD 21401

Annapolis Real Estate and Relocation - Anne Arundel County, the Eastern Shore, and Surrounding Counties in Maryland

TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR® Visit Us At AnnapolisHomes4You.com

Pat Ogle's Favorite Annapolis Places Gordon's Jewelers

Annapolis Real Estate and Relocation - Anne Arundel County, the Eastern Shore, and Surrounding Counties in Maryland

TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR® Visit Us At AnnapolisHomes4You.com

Rams Head Live! This is what makes Baltimore ROCK! http://ping.fm/dGzv6

Nothing succeeds like the appearance of success.
- Christopher Lasch

"Pair up in threes." Joe DiMaggio

How to Drive on Black Ice - wikiHow http://ping.fm/1Qbw0

Prevent Pest Damage http://ping.fm/6kCW1

Are Only 57 Percent of Americans Really Homeowners? | RealEstateEconomyWatch.com http://ping.fm/Qcnnc

There are never enough I Love You's. Lenny Bruce

Women who seek to be equal with men lack ambition. Timothy Leary

How to Make Wassail (with video) - wikiHow http://ping.fm/1IEce

"If you are not criticized, you may not be doing much." Donald H. Rumsfeld

"If opportunity doesn't knock, build a door." Milton Berle

"If evolution really works, how come mothers only have two hands?" Milton Berle

How to Climb a Mountain - wikiHow http://ping.fm/yrTAs

Marriage Makes Men Nicer - Asylum.com http://ping.fm/UENri

Read it loud - ReflectionOf.Me http://ping.fm/FEQca

Don't do these 10 things, you'll be like everyone else but won't like what happens. http://ping.fm/zVyuK

INSIDE OUT Van Jones: Grab the Whip, Run the Plantation, Take Media & Power From Mean, Dumb Republicans | The Blaze http://ping.fm/meU6l

"The secret of eternal youth is arrested development." - Alice Roosevelt Longworth

"It's not so much knowing when to speak, when to pause." Jack Benny

How to Defuse a Situation With a Difficult Customer - wikiHow http://ping.fm/HlsCZ

"If your parents never had children, chances are you won't, either." - Dick Cavett

"If life gives you limes, make margaritas." - Jimmy Buffett

How to Control Your Temper While Sleep Deprived - wikiHow http://ping.fm/Ar3b0

Opportunity is missed by most people because it is dressed in overalls and looks like work. - Thomas A. Edison

"Marriage is give and take. You'd better give it to her or she'll take it anyway." Joey Adams

How to Winterize a Vacant Home - wikiHow http://ping.fm/axL1n

"If there's anything unsettling to the stomach, it's watching actors on television talk about their personal lives." - Marlon Brando and Me

"Give me golf clubs, fresh air and a beautiful partner, and you can keep the clubs and the fresh air." Jack Benny

How to Crank up Your Creativity - wikiHow http://ping.fm/ueIZH

PEARL HARBOR - A True Story http://ping.fm/HIigi

"Love thy neighbour as yourself, but choose your neighbourhood." - Louise Beal

"Health food makes me sick." Calvin Trillin

How to Sew a Newborn Hat from a T Shirt (with video) - wikiHow http://ping.fm/ai3bo

Motivation Tools to Survive Setbacks http://ping.fm/9UMno

"The smaller the mind the greater the conceit." - Aesop

"If God had wanted man to play soccer, he wouldn't have given us arms." Mike Ditka

How to Send Santa Letters - wikiHow http://ping.fm/DTKsS

Pat's Dream Home of the Week in Crownsville, MD for $2,450,000 http://ping.fm/3ilRg

"Only the mediocre are always at their best." Jean Giraudoux

"I know I want to have children while my parents are still young enough to take care of them." Rita Rudner

How to Deal With Facebook Stalkers - wikiHow http://ping.fm/UsOaL

How to get title of a house? http://ping.fm/6laGz

Well-Maintained 2 Year Old Townhome in Annapolis, MD

Overview Maps Photos Features Description Neighborhood

$450,000 Single Family Home Main Features 3 Bedrooms 2 Bathrooms 2 Partial Bathrooms Interior: 2040 sqft Lot: 1,315 sqft Location 2612 Foremast Alley Annapolis, MD 21401 USA To get updates on open home dates and other property events, please click the "Like" button below:

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Pat Ogle Champion Realty, Inc. (410) 224-0660 PatOgle@AnnapolisHomes4You.com http://www.AnnapolisHomes4You.com Listed by: Champion Realty, Inc.

Our recent listings Well-Maintained 2 Year Old Townhome in Annapolis, MD This Pristine Waterfront Contemporary Feels like being on vacation all year round! A Great opportunity to Own Waterfront Elegant Federal Style Home c.1840 Subscribe to our listing feed

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Annapolis Real Estate and Relocation - Anne Arundel County, the Eastern Shore, and Surrounding Counties in Maryland

TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR® Visit Us At AnnapolisHomes4You.com

New Lending Guidelines Benefit Young Borrowers http://ping.fm/6az2W

8 Highway Safety Tips for Thanksgiving Travel http://ping.fm/JUFdV

How to Occupy the Kids durning Thanksgiving http://ping.fm/0KfWy

Whatever women do they must do twice as well as men to be thought half as good. Luckily this is not difficult. - Charlotte Whitton

"I have never been hurt by what I have not said." Calvin Coolidge

How to Celebrate Christmas on a Budget - wikiHow http://ping.fm/9KIAF

How to Banish Back Pain! http://ping.fm/U1bCn

"A great country worthy of the name does not have any friends. "
Charles de Gaulle

"I don't generally feel anything until noon; then it's time for my nap."
- Bob Hope

How to Celebrate Thanksgiving - wikiHow http://ping.fm/j5wYw

A bore is a man who deprives you of solitude without providing you with company.
- Gian Vincenzo Gravina

"Never have more children than you have car windows." Erma Bombeck

Real Estate Market Statistics for Anne Arundel County, MD | RBI http://ping.fm/vyYJt

Strange & Amazing on Yahoo! Video http://ping.fm/ZDUFy

The Champion 411 http://ping.fm/hHbez

You know you're getting old when you stoop to tie your shoelaces and wonder what else you could do while you're down there. - George Burns

"Old age is fifteen years older than I am." Oliver Wendell Holmes

How to Be Safe During a Cruise Ship Fire - wikiHow http://ping.fm/xS9m2

Latest Real Estate Today Radio News http://ping.fm/1z73g

Growing third-grade classes concern parents • Top Stories (www.HometownAnnapolis.com - The Capital) http://ping.fm/1xRfu

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Ft. At Last - Meade prepares for influx of employees from BRAC in January http://ping.fm/A1tfj

"We live in a Newtonian world of Einsteinian physics ruled by Frankenstein logic."
- David Russell

"Before you try to keep up with the Joneses, be sure they're not trying to keep up with you."
Erma Bombeck

Do You Knopw How to Ask for a Pay Raise? - wikiHow http://ping.fm/dv7Qr

Why Rent? http://ping.fm/zSmhH

Just Hoe Do I Create a Kitchen Office? http://ping.fm/zL0NE

Pat's Dream Home of the Week - 728 BYWATER RD, GIBSON ISLAND, MD 21056 http://ping.fm/4jy1n

HTG Explains: Why Do So Many Geeks Hate Internet Explorer? - How-To Geek http://ping.fm/hrH4F

Pat's Ogle Favorite Annapolis Places Grump's Cafe

Annapolis Real Estate and Relocation - Anne Arundel County, the Eastern Shore, and Surrounding Counties in Maryland

TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR® Visit Us At AnnapolisHomes4You.com

"There comes a time in every man's life, and I've had plenty of them." - Casey Stengel

Do You Want To look Like a Vampire? http://ping.fm/Myjh3

The Annapolis Real Estate Wall

"Everyone rises to their level of incompetence." Laurence J. Peter

"All right everyone, line up alphabetically according to your height." Casey Stengel

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"Because of their size, parents may be difficult to discipline properly." P. J. O'Rourke

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"If God had wanted us to vote, he would have given us candidates." - Jay Leno

"America is a land of taxation that was founded to avoid taxation." Laurence J. Peter

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"Human beings are the only creatures on earth that allow their children to come back home."
Bill Cosby

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"An intellectual is a man who takes more words than necessary to tell more than he knows." - Dwight D. Eisenhower

"I think Little League is wonderful. It keeps the kids out of the house." - Yogi Berra

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"Science is not only compatible with spirituality; it is a profound source of spirituality." Carl Sagan

"A demagogue is a person with whom we disagree as to which gang should mismanage the country."
Don Marquis

How to Throw a Tailgate Party: 8 steps (with video) - wikiHow http://ping.fm/kUTwh

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"Whenever you hear the consensus of scientists agrees on something ..., reach for your wallet, because you're being had." - Michael Crichton

"I never said all actors are cattle; what I said was all actors should be treated like cattle." Alfred Hitchcock

"About the time we think we can make ends meet, somebody moves the ends." - Herbert Hoover

"Television has brought back murder into the home - where it belongs." Alfred Hitchcock

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"In order to make an apple pie from scratch, you must first create the universe." - Carl Sagan (or Someone Does - Pat Ogle)

"What I like to drink most is wine that belongs to others." Diogenes

How Do I Become a CIA Agent? http://ping.fm/DWCb7

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"Bachelors know more about women than married men; if they didn't they'd be married too." H. L. Mencken - http://bit.ly/1oJMcP

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Microwave ovens make mealtime quick and easy

ZAP IT! From My Insights on Real Estate http://ping.fm/NSWqX

"By working faithfully eight hours a day you may eventually get to be boss and work twelve hours a day." Robert Frost - http://bit.ly/1oJMcP

"Reading maketh a full man, conference a ready man, and writing an exact man." Sir Francis Bacon -- http://bit.ly/1oJMcP

How Do You Get Rid of a Headache? http://ping.fm/S2RZE

Mortgage Market In Review - September 27, 2010

Lori Wilson, Mortgage Loan Originator for 1st Mariner Mortgage send me this great report.

Mortgage Market In Review - September 27, 2010 

MARKET COMMENT

Mortgage bond prices ended near unchanged last week keeping mortgage interest rates historically low. The Fed meeting Tuesday went as expected. The Fed kept interest rates unchanged and noted they will keep rates low for an extended period of time. Mortgage rates were positive through the middle portion of the week. Unfortunately stronger than expected data and surging stock prices the latter portion of the week eroded the earlier positive movements. Despite those negative movements rates finished near unchanged overall for the week.
The Treasury auctions will be important this week. If foreign demand for US debt remains strong mortgage interest rates may remain lower. Consumer confidence will set the tone for trading the beginning of the week.

LOOKING AHEAD

Economic Indicator	Release Date and Time	Consensus Estimate	Analysis
2-year Treasury Note Auction	Monday, Sept. 27, 1:15 pm, et	None	Important. $36 billion of notes will be auctioned. Strong demand may lead to lower mortgage rates.
Consumer Confidence	Tuesday, Sept. 28, 10:00 am, et	53.9	Important. An indication of consumers' willingness to spend. Weakness may lead to lower mortgage rates.
5-year Treasury Note Auction	Tuesday, Sept. 28, 1:15 pm, et	None	Important. $35 billion of notes will be auctioned. Strong demand may lead to lower mortgage rates.
7-year Treasury Note Auction	Wednesday, Sept. 29, 1:15 pm, et	None	Important. $29 billion of notes will be auctioned. Strong demand may lead to lower mortgage rates.
Q2 GDP 3rd revision	Thursday, Sept 30, 8:30 am, et	Up 1.7%	Important. The aggregate measure of US economic production. Weakness may lead to lower rates.
Personal Income and Outlays	Friday, Oct. 1, 8:30 am, et	Up 0.2%, Up 0.3%	Important. A measure of consumers' ability to spend. Weakness may lead to lower mortgage rates.
PCE Core Inflation	Friday, Oct. 1, 8:30 am, et	Up 0.1%	Important. A measure of price increases for all domestic personal consumption. Weakness may lead to lower rates.
U of Michigan Consumer Sentiment	Friday, Oct. 1, 10:00 am, et	67	Important. An indication of consumers' willingness to spend. Weakness may lead to lower mortgage rates.
ISM Index	Friday, Oct. 1, 10:00 am, et	55.0	Important. A measure of manufacturer sentiment. A large decline may lead to lower mortgage rates.

MARKET CONDITIONS

There is a Chinese proverb that states, “May you live in interesting times.” It is often argued that the word interesting is meant to be a synonym for turbulent or dangerous. This phrase hits the bull's-eye given the current state of the financial markets. While stocks and bonds are swinging around wildly there is some good news. Interest rates for conforming and FHA/VA loans are historically low.
Remember, low rates are not a given considering the uncertainty in the financial markets. Inflation, real or perceived, erodes the value of bonds causing bond prices to fall and rates to rise. The last thing the economy needs now is higher mortgage interest rates. If inflation emerges that very well may happen despite the continued Fed efforts to keep rates low. With so much uncertainty, a cautious approach to float lock decisions, especially heading into the inflation data this week, would be wise.


Lori Wilson
Mortgage Loan Originator

1st Mariner Mortgage

2661 Riva Road Bldg. 1000
Annapolis, MD 21401

Office: (301) 261-8706
Fax: (301) 576-4538
Cell: (301) 922-5116



Annapolis Real Estate and Relocation - Anne Arundel County, the Eastern Shore, and Surrounding Counties in Maryland

TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR® Visit Us At AnnapolisHomes4You.com

Here is Another Way To Buy a Home

How to Buy a Home With a Land Contract http://ping.fm/CzA4Z


Annapolis Real Estate and Relocation - Anne Arundel County, the Eastern Shore, and Surrounding Counties in Maryland

TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR®

Visit Us At AnnapolisHomes4You.com

Pat's Dream Home

Pat's Dream Home of the Week. 191 PRINCE GEORGE ST, ANNAPOLIS, MD 21401 for $3,485,000 http://ping.fm/2195K

Pats Places Clock Tower Cleaners

Annapolis Real Estate and Relocation - Anne Arundel County, the Eastern Shore, and Surrounding Counties in Maryland

TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR® Visit Us At AnnapolisHomes4You.com

Do You Know How To Choose a Range Hood? http://ping.fm/lzzZ0

How to Recognize Prostate Cancer Symptoms - wikiHow http://ping.fm/MP1nY

Do You Know How To Add Elegance with Decorative Molding? http://ping.fm/xaEia

"Drive thy business or it will drive thee." Benjamin Franklin -- http://bit.ly/1oJMcP

How to Be Funny - wikiHow http://ping.fm/K6jND

"A great country worthy of the name does not have any friends." Charles de Gaulle

Yogi Berra "A nickel ain't worth a dime anymore."

How Do You Support a Spouse who Has Cancer? http://ping.fm/XKaSC

Pat's Places - Annapolis Car Wash 1913 Crownsville Rd

Annapolis Real Estate and Relocation - Anne Arundel County, the Eastern Shore, and Surrounding Counties in Maryland

TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR® Visit Us At AnnapolisHomes4You.com

Pat's Places - Annapolis Car Wash 1913 Crownsville Rd

Annapolis Real Estate and Relocation - Anne Arundel County, the Eastern Shore, and Surrounding Counties in Maryland

TOP RESIDENTIAL REAL ESTATE AGENT: LICENSED SINCE 1986

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR® Visit Us At AnnapolisHomes4You.com

Kent County Homes For Sale

Annapolis Real Estate and Relocation - Anne Arundel County, the Eastern Shore, and Surrounding Counties in Maryland

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Pat Ogle and The AnnapolisHomes4You.com Team are dedicated real estate professionals specializing Waterfront Homes for Sale and Properties in Annapolis, Arnold, Severna Park, Edgewater , Anne Arundel County, The Esatern Shore, and the Surrounding areas in Maryland.
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TOP RESIDENTIAL REAL ESTATE AGENT:  LICENSED SINCE 1986

Pat Ogle, Associate Broker, CRS, DSAC, e-Pro, GRI, MCJ, REALTOR®

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