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Central Banks Prepared to Act

Following a large improvement in mortgage rates and a large decline in stocks last week, investors partially reversed direction this week. The European Central Bank (ECB) and the Fed were the main focus, providing a degree of comfort, and investors were a little more willing to take on risky assets. This was negative for bonds, however, and mortgage rates ended the week modestly above last week's record low levels.

The high degree of uncertainty about the troubles in Europe and the pace of US and global economic growth remains a major influence on US mortgage rates. In general, the uncertainty causes investors to reduce risk, which supports low rates. In addition, it tends to produce a higher level of volatility, which was evident this week. Reports about potential actions by the ECB, the IMF, China, Greece, and Spanish banks all produced significant reactions, even though little of the news could be supported as more than speculation. There will be series of major events later in the month, including Greek elections, an EU summit, and a Fed meeting, so it is reasonable to expect that volatility will continue.

Highly anticipated statements from the President of the European Central Bank (ECB) and from Fed Chief Bernanke this week helped ease investor concerns a little. Neither the ECB nor the Fed is ready to provide additional stimulus right now, but they are open to further action if necessary. The ECB and the Fed have already taken extraordinary measures to ease the financial crisis. The leaders of both central banks pointed out that monetary policy alone will not be enough to solve all the problems. They suggested that decisive action by political leaders would be more effective than further central bank action at this point.

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At Amera Mortgage Corporation, we pride ourselves on building a relationship with, you, our client. We strive to provide the finest customer service as well as competitive rates.   We have helped thousands of our customers realize their dreams of owning a home, or saved them money on a refinance of a current mortgage.
Amera is large enough to offer you an extensive range of mortgage programs at competitive rates.  However, we don't lose sight of the importance of small company customer service.  Amera understands that people drive our business and we are committed to building lasting relationships with the people who choose Amera Mortgage.  Our team, of highly experienced loan officers, is located in or around your community to personally assist you and make your home buying process an enjoyable experience.
So, whatever your home loan needs, Amera can help. Contact us today and start building for tomorrow!


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We know that the RIGHT way to do business is to put your needs first. We believe in:
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So when you are ready to finance your first home, your second home or refinance your current home, look for a LendRIGHTTM Lender.   Committed to doing it right. Every day. For you.
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Amera is active in it's local communities and many of it's employees volunteer and work to help make their communities a better place.  Below are just some of the activities in which Amera or it's employees partake:

  • Amera participates in an ongoing program where it collects food, clothing, money and household item donations for Community Sharing, a local charity.  Community Sharing uses these items to help families in need.  Any donations can be made at the Amera Milford location.
  • Amera is also a business sponsor for the Junior Achievement.  Amera helps sponsor the CapitolBancorp Junior Achievement 5K run held in Lansing, MI each year.
  • Amera works with Habitat of Humanity to provide families affordable housing.
  • Amera sponsors many local youth sports programs and activities.