If you want great rates, fast closings , a wealth of information and the experience of a person whom many hundreds of loan and real estate professionals turn to to find out what is happening with mortgage rates then you are in the right place.

If this is your first visit here take a look at:

- today's rates
- the daily market commentary
- the archive of RateWatch newsletters

Dick Lepre has been doing mortgage on-line since 1995. His weekly newsletter is read by over 20,000 people.

You will find here a wealth of articles on macroeconomics, mortgages and real estate.

Dick works for the San Francisco office of Residential Pacific Mortgage. RPM is a mortgage bank. Loans are funded in-house reducing the time required from application to closing and eliminating the uncertainties associated with brokers.