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Loans for Cash Rich Borrowers with Low Monthly Income

08/31/2016
 |  No Comments
 |  asset amortization, no doc, non-qm

In 2016 a new loan program came out whereby the borrower does NOT have to be employed. In fact, there is no employment or income […]

12 month bank statement program

Big Mistakes Borrowers Make Using Bank Statements as Income

04/15/2016
 |  No Comments
 |  alternative income, bank statement loan, non-qm

With the Dodd-Frank rules, this law has impacted hundreds of thousands of legitimate self-employed borrowers from getting a residential home loan. It has for the […]

Zero Percent Balance Transfer on Your Mortgage?

04/30/2015
 |  No Comments
 |  personal finance

Let’s look at how this would work with your mortgage balance. Example: A homeowner with stellar credit owes $150,000 at 4.75% and is paying $782.47 […]

FHA Mortgage Insurance Premium Hurting Pool of Home Buyers

04/13/2014
 |  No Comments
 |  lending

The Federal Home Administration is being accused by the National Association of Realtors of making the costs of their mortgage insurance too excessive which has […]

Can I Deduct FHA Mortgage Insurance Premium on My Taxes?

02/09/2014
 |  No Comments
 |  taxes

The short answer is Yes, but with an attached disclaimer. No matter if the mortgage insurance premium (MIP) is added to the mortgage or paid […]

financing without taxes

Can I Get A Mortgage without Tax Returns?

01/24/2014
 |  No Comments
 |  lending, tax returns

The short answer is YES you can. However, it will not be with a no income verification loan. The days of stated income and falsifying […]

divorce property division

Top Reasons to Refinance Before a Divorce

01/09/2014
 |  No Comments
 |  refinance

If you and your spouse own a home jointly and both are on the loan, refinancing your mortgage before divorce proceedings might be the best […]

harp refinance answers

Don’t Overlook These HARP Refinance Quick Answers

 |  No Comments
 |  refinance

Is HARP available on Loans over $417,000? NO, loans greater than $417,000 are categorized as jumbo loans. HARP was made to help borrowers who are […]

Lenders Will Still Offer Loans With Some Risk

12/28/2013
 |  No Comments
 |  lending

On Jan. 10, a new rule for residential mortgages becomes effective which is intended to protect borrowers and lenders from the problems brought on by […]

Do The New Restrictions On Investors Help Borrowers?

12/03/2013
 |  No Comments
 |  investors, mortgage lending laws, seller financing

Without a doubt, real estate investors who carry-back a mortgage for homebuyers are going to be impacted in a big way by Dodd-Frank laws. On […]

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