Valued Friends and Family,
 
 I am breaking from my normal two week format to send out this newsletter in response to some urgent market movements. Today's news comes on the heels of an absolute stellar 30 year bond auction. While this may be a foreign concept to most people, what this means is that rates haves improved..... SIGNIFICANTLY (see the chart at the right).
 
 This is once again a reminder of the volatility in the mortgage industry and an opportunity to take advantage of what I see will be a small window of opportunity. It is now the middle of September and with us being at the tail end of 2009 it is a good opportunity to get off the fence
 
 If you were thinking of buying a home now is the time! if you were waiting to refinance, stop waiting! I cannot tell you how many clients were disappointed to have missed the last cycle of low rates. This is an unexpected blessing and it should be treated as a rare second chance to get in while the gettin's good.
 
 Warmest Regards,
 Tamir Lahav