Is there a future for non-QMs?
The non-QM loan is becoming a rarity Because of excessive government regulations, an unfair burden resulting in less business and extremely tight credit standards. Is there any other reason for the seeming paucity of non-QM loans? When Dodd-Frank was passed in 2010, the mortgage financial world was split into two challenges. Qualified Mortgages Non-Qualified.. Read More
What is a non-QM loan?
Following the 2008 meltdown, the Dodd-Frank legislation placed minimum standards on mortgages and created a “Qualified Mortgage” definition. These loans are almost all the mortgages which are underwritten and they contain specific safeguards which focus on conservative lending standards and the borrowers ability to pay. Banks and other mortgage lenders follow QM rules as they.. Read More
What to look for when checking out mortgage lenders
It’s a smart idea to shop around when going shopping for a mortgage. What happens when you have a few quotes. How do you decide which one is right for you and what you need? Here’s how to understand the most important factors. What’s The Interest Rate The thing most borrowers want to know is.. Read More
How to increase your 2009 mortgage interest tax deduction
Synopsis: Taxes can be confusing. Toss in tax credits and tax deductions the confusion can rise to a fever pitch. How To Increase Mortgage Interest Tax Deductions The greatest threat to home buyers and homeowners may not be hurricanes or fire. The greatest threat may be the pervasive misunderstandings surrounding legal ways to reduce your.. Read More
3 Options to Consider if You Can’t Afford Your Student Loan Payment
The U.S. Department of Education offers a number of affordable repayment options for borrowers who are struggling to pay back their student loans. The important thing to remember about all the options below is that it’s completely free to apply! Also, if you ever have questions or need FREE advice about your student loans, you.. Read More
Why nows a good time to consider an adjustable rate mortgage
Synopsis: Buying a home can be confusing and despite the doomsayers here are some reasons to consider an adjustable-rate mortgage and remove some confusion. Why You Should Consider An Adjustable-Rate Mortgage After All After years of dreaming about owning a home, you’re ready to take the plunge. You’ve got the perfect place in mind and.. Read More
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