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Financial News

Stocks trade flat after mixed economic reports (AP)

Retail sales rise unexpectedly in February (AP)

CF seals $4.7 billion deal for Terra (AP)

Business inventories flat in January (AP)

Democrats pare differences over health overhaul (AP)

UBS says IRS has 20 Swiss banks in its sights (AP)

BA cabin crew to strike for 7 days this month (AP)

AP Source: Obama wants Yellen as Fed vice chair (AP)

Chinese minister insists Google obey the law (AP)

Eurozone industrial productions soars in January (AP)

Investor Education

Mortgage News

Fed MBS Program Update: 98.1% of Funding Used. Looming Exit Yet to Hurt Rates

Loan Officers Who Sell Real Estate; Wells Expands Market Making in Mortgage-Backeds; FDIC Acts on a Thursday; Freddie Mac Bulletin

Retail Sales Improve Across the Board. Rates Move Higher

The Day Ahead: Euro Data Pushes Stocks up Ahead of Retail Sales

MBS OPEN: Rates at Crossroads. What Range Will Prevail?

Mortgage Rates Escape Three Treasury Auctions Unharmed

Foreclosure Filings Drop. Prevention Policies Distorting Supply and Demand

MBS CLOSE: On The Brink Of Something Epic?

MBS AFTERNOON: Volatility Fades As Bonds Cling To The Edge

FHA Commissioner: Raising the Down Payment Requirement Would Hurt Housing Recovery

MBS LUNCH: 30 Year Bond Auction Results and Reactions

Mortgage Portmanteaus -- Brankers and Broanchers vs. Net Branches

MBS MORNING: Supply Concessions Set Up. Targets Outlined

Lenders Relaxing Non-Agency ARM Regs; High Cost Loan Reporting Guidance; Negative Convexity Defined; New Mortgagee Letter

MBS OPEN: Speculative Signs of Reversal in Benchmarks

The Day Ahead: Chinese Inflation Drives Domestic Stocks Lower

MBS CLOSE: What Can Today Tell Us About Tomorrow?

Mortgage Rates Rise Ahead of Treasury Auction. Fail to Recover Afterward

MBS AFTERNOON: Mortgages Playing Follow the Leader with Benchmarks

FICO: Americans More Likely to Default on Mortgages than Credit Cards

MBS LUNCH: 10 Year Treasury Auction Results and Reactions

Loan Demand Stagnates. Only One Bright Spot in the Production Slowdown

MBS MORNING: Losing Ground As Benchmarks Back Up

Underwriters: Loan Quality Still in Need of Improvement; Interesting FICO Score Data; Will the Fed sell their MBS Holdings?

MBS OPEN: Rates Ticking Higher Just Because They Can

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Market Watch

Indexes

Dow Jones Industr	+2.27
Nasdaq Composite	-5.97
S&p 500 Index	1146.97

Treasury

Treasury Yield 5	+0.22
Cboe Interest Rat	+0.07
Treasury Yield 30	-0.10

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Securities offered through HBW Securities LLC (Member FINRA / SIPC), 3355 Cochran St., Suite 100, Simi Valley, CA 93063, (800) 473-3856. Dan Brandfast is a registered representative, DBA Brandfast and Associates, Inc. The Victory Financial Group LLC, Columbia Savings Bank, Senior Entitlement, Brandfast and Associates, Inc., and HBW Insurance & Financial Services, Inc. are separate entities from HBW Securities LLC. HBW Securities LLC does not give legal or tax advice.

All products are not represented by HBW. All HBW agents do not sell all products offered through the HBW Insurance & Financial Services, Inc. network of products and/or providers. Although Dan Brandfast, DBA Brandfast and Associates, Inc. is a part of the HBW Insurance & Financial Services, Inc. marketing system, they are separate and independent.

† Mortgages are offered through Columbia Savings Bank.

‡ Please consult with your tax advisor and/or attorney for advice concerning estate planning, trusts and wills.

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