Cecelia Bell & The Home Team at Samson Properties

Cecelia Bell & The Home Team at Samson Properties As a residential real estate agent, we are an integral part of the success of families in the Maryland and Washington, DC When I think of Real Estate I think of serving my clients just as I've served my Country.
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Giving Them The Best That I've Got. Working with our First Time Home Buyers is exciting because our Team is inspired to take them by the hand and show them the road to Home Ownership. Our move up Buyers most times just need a refresher orientation and information on the latest trends. Our Investor clients need comparable quickly and someone on the team to show them listings immediately. A lot of our Veteran clients are looking for information on the market trends and how to maximize additional incentives when purchasing. We have something for everyone and "We Want You"

Operating as usual

Market Update with The Home Team.
03/25/2020
Mortgage Market is Still a Mess, But a Hopeful One

Market Update with The Home Team.

There is a LOT of misinformation flying around out there about the mortgage market, the Fed, and the various impacts on rates from the government's coronavirus response. If you're in the market for big-picture overviews of all the relevant considerations with...

Market Update with The Home Team.
03/20/2020
The MOST Volatile Day For Mortgages

Market Update with The Home Team.

Today was the most volatile day in the history of the mortgage market in many regards. There were days in the early 80's that saw rates move by similar amounts, but none of them saw the underlying market for mortgage bonds move back and forth by such gigantic...

Market Update with The Home Team.
03/17/2020
NO, You Can't Get That New 0% Mortgage Rate You Heard About

Market Update with The Home Team.

Lots of words recently and lots to do for all of us, so let's make this simple. No, you can't get a that new 0% mortgage rate you heard about! It doesn't exist. That's the Fed Funds Rate. It applies to overnight loans between the biggest financial institutions...

Market Update with The Home Team.
03/14/2020
Mortgage Rates Are Taking an Utter Beating (Relatively)

Market Update with The Home Team.

In all my years of following mortgage rates I haven't seen anything quite like the current environment. 2008 came fairly close, but the vibe was decidedly different. Rates were far from all-time lows back then. When they moved to the lowest levels in a long...

Market Update with The Home Team.
03/12/2020
Mortgage Rates Rising at Fastest Pace in Years

Market Update with The Home Team.

Mortgage rates continued a relentless surge higher today. The move began in earnest yesterday for two key reasons: bond market panic and mortgage market over-supply. If you take nothing else away from the following, the important part to understand is that...

Market Update with The Home Team.
03/11/2020
Mortgage Rates Spiking Quickly as Bond Market Panics

Market Update with The Home Team.

Mortgage rates have exploded higher over the past day and a half as the bond market sends threatening signals about a big picture bounce off the recent lows. This is made all the more jarring by the timing and the scope of the movement, as well as the circumstances...

Market Update with The Home Team.
03/08/2020
Lot's Of Confusion About Mortgage Rates This Week. Here's What's Up

Market Update with The Home Team.

Mortgage rates remain at or near all time lows , but they haven't moved much since hitting them earlier this week--at least on average. In fact, the average lender INCREASED rates just slightly today--a turn of events that's fairly mind-boggling for those that...

Market Update with The Home Team.
03/05/2020
All-Time Low Mortgage Rates Will Create All-Time High Confusion Tomorrow

Market Update with The Home Team.

Mortgage rates have progressively hit newer and lower all time lows every day this week, but there's one massive catch. Rates and fees have been extraordinarily different depending on the lender. Some are offering conventional 30yr fixed rates that are as high...

Market Update with The Home Team.
03/04/2020
Rates at All-Time Lows No Thanks to Fed's Emergency Cut

Market Update with The Home Team.

This is mostly a reprint of a piece I wrote earlier today for the MBS Commentary channel. If you read that one, you've basically already seen what follows The Fed announced an emergency rate cut of 50bps today (0.50%). Great! So your mortgage rate could be...

Market Update with The Home Team.
03/03/2020
Mortgage Rates Hit All-Time Lows, Is It Time To Lock?

Market Update with The Home Team.

Mortgage rates moved even lower today meaning they're once again at the lowest levels in 8 years. It continues to be the case that Treasury yields (often referred to as the basis for mortgage rates) are falling much faster. That's because Treasuries aren't...

Market Update with The Home Team.
02/26/2020
Mortgage Rates Are Low, But They're Not Falling as Fast as The 10yr

Market Update with The Home Team.

Mortgage rates have been putting on a rather frustrating and exciting show in the month of February. On the one hand, they're at their lowest levels since 2012 and are off to their strongest start of any year on record. On the other hand, they're not nearly...

Market Update with The Home Team.
02/22/2020
Full Steam Ahead for Refi Boom as Rates Hit New Lows

Market Update with The Home Team.

Yesterday's mortgage rate commentary noted a fresh move down to the lowest levels in more than 3.5 years. With just a bit more improvement, the same is true today. This isn't some isolated opportunity. Rates have been pushing long-term lows off-and-on for months...

Market Update with The Home Team.
02/21/2020
Mortgage Rates Back Near Multi-Year Lows

Market Update with The Home Team.

Mortgage rates haven't been this low for this long in years--3.5 years to be exact. Brexit was the talk of the town in the middle of 2016 and it resulted in rates very close to all-time lows for well over 3 months (all of July, Aug, Sept). Although rates aren...

Market Update with The Home Team.
02/19/2020
Mortgage Rates Head Back Toward Long-Term Lows

Market Update with The Home Team.

Mortgage rates are starting the new week off on a stronger note after concerns over coronavirus impacts moved markets over the weekend. While coronavirus won't spell the end of humanity, it will undoubtedly have an impact on global commerce. This was reinforced...

Market Update with The Home Team.
02/15/2020
Mortgage Rates Hangin' Tough Despite Stock Market Recovery

Market Update with The Home Team.

Mortgage rates have primarily been at the whim of the general tone of coronavirus news for the past few weeks. That meant a swift move to multi-year lows followed by an uneven correction back toward higher levels. But the correction has been anything but threatening...

Market Update with The Home Team.
02/13/2020
Mortgage Rates Still Giving Back Coronavirus Gains

Market Update with The Home Team.

Mortgage rates have spent just over a week moving back up from the lowest levels in more than three and a half years. Those long-term lows came courtesy of the panic surrounding the coronavirus outbreak, which led investors to move more money into safe havens...

Market Update with The Home Team.
02/12/2020
Mortgage Rates May Be Pressured Higher As Virus Fears Ebb

Market Update with The Home Team.

Mortgage rates were very slightly higher today after being modestly lower over the weekend, but in general, remain very close to the lowest levels in more than 3 years. They weren't too much higher than current levels even before the coronavirus outbreak took...

Market Update with The Home Team.
02/08/2020
Mortgage Rates Surprisingly Resilient After Jobs Report

Market Update with The Home Team.

Mortgage rates completely defied the odds. They even defied convention. Specifically, they managed to move appreciably lower even though today's big jobs report basically told them not to. This is a big deal for several reasons. The jobs report is historically...

Market Update with The Home Team.
02/07/2020
Rate Volatility Levels Off Ahead of Jobs Report

Market Update with The Home Team.

Mortgage rates managed to hold steady , for the most part, today. Some lenders were offering slightly better or worse terms compared to yesterday, but none of the changes were very big. This is a welcome development considering the past 2 days saw a rapid increase...

Market Update with The Home Team.
02/06/2020
Mortgage Rates Continue Bouncing Higher From Long-Term Lows

Market Update with The Home Team.

Mortgage rates moved higher again today as investors reacted to updates about the coronavirus outbreak. This has been the dominant motivation for the big drop in rates over the past 3 weeks. Mortgage rates are determined by the bond market. When investors are...

Market Update with The Home Team.
02/05/2020
Mortgage Rates Finally Bounce Higher

Market Update with The Home Team.

Mortgage rates have been on a tear recently. The average lender has either held rates steady or improved them every single day since January 16th. Some of those improvements have been substantial, ultimately resulting in the lowest rates in more than 3 years...

Market Update with The Home Team.
02/04/2020
Mortgage Rates Digging Deeper Into Multi-Year Lows

Market Update with The Home Team.

In the world of interest rates, it's good to be a mortgage today . The dominant species on that world is US Treasuries: the quintessential dollar-based loans (after all, they are loans to the US government). Loaning dollars to the entity responsible for the...

Market Update with The Home Team.
02/01/2020
Mortgage Rates Officially at New 3 Year Lows

Market Update with The Home Team.

Mortgage rates inched even lower today as the market resumed efforts to react to and account for risks surrounding the coronavirus outbreak. Weaker economic data also played a part. That said, it's good to remember that the market's coronavirus reaction is...

Market Update with The Home Team.
01/31/2020
Mortgage Rates Basically at Best Levels Since 2016

Market Update with The Home Team.

Mortgage rates improved again today as the market continued to react to updates on the coronavirus outbreak. For top tier scenarios, the average lender is now offering rates not seen since 2016, with the slight exception of a few hours during the beginning...

Market Update with The Home Team.
01/30/2020
Lowest Rates Since September 2019 (Almost 2016)

Market Update with The Home Team.

Mortgage rates regained their footing today, moving back to long-term lows after pausing to move slightly higher yesterday. The definition of "long-term" depends on the lender in question. Most lenders were offering just slightly better terms in September 2019...

Market Update with The Home Team.
01/28/2020
Mortgage Rates Tiptoe Near Multi-Year Lows

Market Update with The Home Team.

Mortgage rates continued lower to start the week as Wuhan Virus continues to be diagnosed at an exponential rate. As we discussed last week, interest rates in general should continue to take cues from the spread of the virus. Why are rates being driven by something...

Market Update with The Home Team.
01/25/2020
Mortgage Rates Drop to 4.5-Month Lows on Virus Fears

Market Update with The Home Team.

Mortgage rates moved meaningfully lower over the past 2 days as panic over the coronavirus outbreak continues affecting financial markets. If this epidemic ends up being similar to SARS in 2003, it ultimately won't be worth as much of a drop in interest rates...

Market Update with The Home Team.
01/22/2020
Mortgage Rates Back to 3-Month Lows

Market Update with The Home Team.

Mortgage rates dropped to begin the holiday-shortened week as markets expressed a bit of panic over the coronavirus outbreak in China. This is similar to the SARS outbreak in 2003, which certainly had an impact on both stocks and bonds. While it's too soon...

Market Update with The Home Team.
01/18/2020
Mortgage Rates Off Recent Lows

Market Update with The Home Team.

Mortgage rates moved slightly higher over the past two days as strong economic data and corporate earnings coaxed investors into riskier assets like stocks. Bonds (which dictate interest rates) are always being bought and sold, but demand varies depending on...

Market Update with The Home Team.
01/16/2020
Mortgage Rate Volatility Still a No-Show For 2020

Market Update with The Home Team.

Mortgage rates improved modestly today, adding to yesterday's slightly less compelling improvement. Taken together, they keep an air of calm and steady progress intact during a week that ran the risk of stumbling across volatility. One of the key sources of...

Market Update with The Home Team.
01/14/2020
Mortgage Rates Face More Volatility Later This Week

Market Update with The Home Team.

Mortgage rates didn't do much today, and that's good enough news considering the average lender is closer to the lower end of the rate range since early October. The only counterpoint would be that there isn't much distance between the highs and the lows during...

Market Update with The Home Team.
01/11/2020
Smooth Sailing Until It's Not Anymore

Market Update with The Home Team.

Mortgage rates had been moving higher over the past few days. The average lender was at the highest levels of the month as of yesterday morning, but things began to change shortly thereafter. Today's market movement added to the friendly momentum after the...

Market Update with The Home Team.
01/10/2020
Mortgage Rates Bounce Higher

Market Update with The Home Team.

Mortgage rates moved higher more definitively today after as lenders had a chance to match their offerings to underlying bond markets. Markets themselves were already pointing to this move yesterday, but the lender response was still somewhat mixed in the afternoon...

Address

6710 Oxon Hill Rd Ste 570
Oxon Hill, MD
20745

Telephone

(301) 520-3598

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