Student Loans and Mortgages

College Tuition Expenses

Student loans can be a major difficulty when you are trying to obtain a mortgage loan. Student loans are especially difficult for government-sponsored enterprises (GSE), such as Fannie Mae and Freddie Mac, which securitize basic conventional mortgages. Government loan options, like FHA, Rural Housing and VA loans, which have different criteria when judging potential buyers […]

Reasons why housing prices are rising

Rising housing prices

The website Visual Capitalist recently illustrated that the average person living in a large metropolitan city (e.g., San Diego, New York, Los Angeles, Miami, and San Francisco) have to work more than 100 hours per month in order to afford a mortgage payment in those cities. This illustration displays the difficult reality that many are […]

Are We Ready for Non-QM Lending?

Non-QM Lending

In Brent Houston’s article Are We Ready for Non-QM Lending?, he leads with a line that sums up the reality for non-QM lending: “Faith in the process is needed before tackling third-party nonprime loans.” Although there is an appetite for non-QM lending, it has not spread as quickly as others have expected. The author attributes […]

Pros & Cons of Hard Money

hard money loan

What is Hard Money? Hard money is a mechanism for borrowing money that differs from the traditional mortgage lending process. Instead of a transaction done with a bank, you are typically getting a loan from private money lenders. Additionally, instead of focusing on your income to debt ratio and ability to pay back the loan, […]

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How to get a mortgage if you are self-employed

Home Loan

In Jessica Merritt’s US News article, “How to Get a Mortgage if You’re Self Employed”, she details the struggles and misconceptions that self-employed people face when trying to obtain a conventional home loan. When reviewing applicants, lenders (as with all creditors) are primarily concerned with the applicant’s ability to consistently pay bills. Thus, the two […]

The future of Fannie Mae & Freddie Mac

Fannie Mae Freddie Mac

In a recent Forbes article, “What An Overhaul of Fannie Mae and Freddie Mac Would Mean for Commercial Real Estate”, the CEO of CrediFi, a data platform that analyzes the commercial real estate market, Ely Razin, examined $150 billion in loans that were secured by 5,000 commercial properties throughout the United States from 2003 through […]

Jumbo Mortgages Comeback

hard money loan

With the enactment of the new tax reformation bill, the Tax Cuts and Jobs Act, one of the major areas affected by these changes is the mortgage market. Specifically, the market for jumbo mortgages have been significantly influenced. Jumbo mortgages are loans that go beyond the limits of “conforming loans” by the Federal Housing Finance […]