I counsel anyone who asks me, they ought to get out of their adjustable-rate mortgage now if they're going to live in their house for more than three or four years,

Anything a woman asks for is really a demand.

We can look at an adjustable rate mortgage if they're going to be in a home a shorter length of time, whether it be three to five years, ... The advantage is you can get a lower interest rate.

The 30-year [fixed-rate mortgage] came in under 6 percent for the last 22 weeks of this year. As a matter of fact, mortgage rates in 2004 averaged around 5.84 percent, the second lowest annual rate ever recorded in the history of Freddie Mac's Primary Mortgage Market Survey.

Housing is as strong as ever, and the mortgage business is as good as ever.

We feel really good that we are where we ought to be.