One of the things recommended for anyone turning 50 is to have a preventive colonoscopy.  I had a sigmoidoscopy done about 10 years ago, and that’s a completely different violation of the human body which can only be experienced to fully understand.  There is no pain with the colonoscopy, the discomfort is in the “prep”.  And I might also add, a liquid diet the day before the procedure no party, even though I could have milkshakes all day!

The day before your procedure and the morning of your procedure, you must chug a quart of liquid that tastes like, and has the thickness of, lemon fresh Joy dishwashing liquid. My brand was called MoviPrep. It is almost comic in its efficiency. About 45 minutes after the first 8oz gulp of this goop you think a volcano is going to erupt in your belly. And it does. Many times over the next hour. Then peace reigns, until assault part 2 begins the next morning!

After part 2, your colon is picked cleaner than Cindy Lou Who’s house on Christmas Eve after the Grinch got done with it! By the time I  was in Ephrata Hospital ready to be wheeled into the OR, I couldn’t wait to be put under by the anasthesia, because I was  so insanely hungry I pondered eating my own fingers!

God only knows what kind of jokes the doctor and staff are cracking while the roto rooter is trolling your intestines, because you are OUT. I remember rolling over on my side and then waking up in recovery about an hour later.

They found polyps, as they did 10 years ago. Almost 4 weeks since my colonoscopy and I haven’t heard anything about the diagnostics on the polyps. I’m mildy concerned about the polyps themselves, more concerned about the bill! Because I checked with my insurance carrier before the procedure. As a “screening” it’s at no cost as a provision of health care reform. However, if they find polyps, it’s diagnostic and the free part is thrown out the window. Or so I’m told, we’ll see.  I will report on it when I see it.

Did I mention I got my AARP card?

At Cole Taylor Mortgage, a division of Cole Taylor Bank we are cranking out loans in record time.   In Ephrata, yours truly Brian Weems Williams will gladly assist you in the purchase or refinance of your home.  In Lancaster and elsewhere, reach out to me, Doris Good, Lesley Kuffel, Wayne Angelo or Mike Lafferty for a consultation.

As always, I’m a phone call away at 468-0130, or e-mail at broweems@ptd.net.

3/1, 5/1, 7/1 and 10/1 ARM’s have been priced about the same for a year, all no better than 30 year fixed, so there was no reason to take an ARM.  NOW, it’s worth a look.  It’s more likely to get to mid 4’s with a point on a 5/1 or 7/1 ARM than it will be any time soon on a 30 year fixed.  AND, take it from one WHO KNOWS and HAS HAD  a 3/1 ARM for SIX YEARS, there is nothing to be afraid of!  My current rate is 3.375!!!

That’s the story on mortgage rates in Ephrata, Lancaster and beyond for 8/26/09!

The Fed has artificially driven mortgage rates lower by spending a trillion of their own dollars to buy Treasury notes over the last 9 months.  They anticipate pulling away from this policy by October.

The stock market is reacting positively to this news, as it is a sign of confidence in overall economic recovery.  Couple this with a rise in international sentiment that we are exiting global recession, and you have a market ripe for increase in mortgage rates.

There’s been multiple hikes in mortgage rates today already.  Something in the 4’s will soon be out of reach on 30 year loans, even with 3 points.  Zero points will soon near 6.0, FHA is alread there and 6.5 is around the corner.

Historically, rates are terrific, BUT we’ve lost our long-term memory and adopted a “what have you done lately for me” attitude.   Rates in the 6’s will be a big boulder in the road to full blown economic recovery.  Then what?  Who knows!

That’s the story for those in the market for for mortgage in Ephrata, PA, Lancaster County and most of the USA.  Brother Weems reporting!

30 year fixed conventional rates are up a quarter from the last week in July.  It’ll take a full 3 points to get in the 4’s.  No points is looking like upper 5’s.  6.0 seems to be the going rate on government loans.

I think rates will fall back in the next 2 weeks, I’m just not feeling the vibe of economic recovery.  We’ll see.  For a mortgage in Ephrata and anywhere in Lancaster County, be sure to check in with ol’ Brother Weems at Beacon Mortgage in Ephrata.

A video update, whattya think?