Hi Everyone,

As we've been saying in our Monday morning meetings, the market is really picking up! I've seen evidence in the many purchases that are taking place. And, along with all the activity, I've noticed that I am spending more time in meetings, on the phone and at appointments with clients - which means I am not as available to answer the phone or reply to urgent emails. But, never fear. . .

In those times when you need to speak to me urgently, please contact Lara Larkin (650.319.1613 or llarkin@opesadvisors.com). I can assure you that, if she isn't able to answer your question, she will be able to reach me to get a quick response. She won't let you down. In fact, she's been known to tackle me to make me return a call (smile!)!

And, as always, below are the rates we've been seeing this week:

• 30 year conforming             4.75%      1 pt.

• 30 year high balance           5.125%      1 pt.

• 30 year FHA                        4.75%        1 pt.

• 30 Yr. FHA high balance     4.75%       1 pt.

• 5 year jumbo                       4.25%       1 pt.

• 7 year jumbo                       4.875%      1 pt.

• 10 year jumbo                      5.25%     1 pt.

• 30 year jumbo                     5.625%     1 pt.

Tracie Southerland