Tip of the week.  Remember to include the HO6 cost into your customer's qualifying ratios if they are buying a PUD.  All lenders are requiring the Home owners master policy to cover "the wall in in"  or the borrower is required to get a HO6 (condo policy) to cover these replacement costs.  This extra amount is required to be escrowed as well. 

While rates increase last week. Bernanke's comments lead to lower rates starting the end of yesterday.  Sparking the rise were some bond-friendly comments made yesterday by Fed Chairman Ben Bernanke, who said inflation will remain subdued, interest rates will stay low and that the economic recovery faces "formidable headwinds". Since the speech, we have seen Stocks, Oil and Gold trade lower with the money seeking the safehaven of Bonds.

You can read Mr. Bernanke's comments at this site:

http://www.federalreserve.gov/newsevents/speech/bernanke20091207a.htm