{"id":35,"date":"2013-12-28T20:56:28","date_gmt":"2013-12-28T20:56:28","guid":{"rendered":"http:\/\/www.loanshoppers.net\/blog\/?p=35"},"modified":"2017-10-24T17:07:27","modified_gmt":"2017-10-24T17:07:27","slug":"lenders-will-still-offer-loans-with-some-risk","status":"publish","type":"post","link":"https:\/\/www.loanshoppers.net\/blog\/lenders-will-still-offer-loans-with-some-risk\/","title":{"rendered":"Lenders Will Still Offer Loans With Some Risk"},"content":{"rendered":"<div class=\"79adbeefd79cda5f8232b2625609aaff\" data-index=\"1\" style=\"float: right; margin:7px 0 7px 7px;\">\n<script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<!-- Loanshoppers - blog post -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:inline-block;width:300px;height:250px\"\r\n     data-ad-client=\"ca-pub-0086590260230556\"\r\n     data-ad-slot=\"3710447994\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\n<\/div>\n<p>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 the past housing crisis. In the event the borrower defaults on the loan in which the lender originated, yet it falls under the rules, they are insulated from legal action by the borrower or investor.<\/p>\n<p>Here is a snapshot of the Qualified Mortgage: <a href=\"http:\/\/www.loanshoppers.net\/blog\/wp-content\/uploads\/2013\/12\/qm1.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-40\" src=\"http:\/\/www.loanshoppers.net\/blog\/wp-content\/uploads\/2013\/12\/qm1.png\" alt=\"Qualified Mortgage Loans\" width=\"385\" height=\"260\" srcset=\"https:\/\/www.loanshoppers.net\/blog\/wp-content\/uploads\/2013\/12\/qm1.png 385w, https:\/\/www.loanshoppers.net\/blog\/wp-content\/uploads\/2013\/12\/qm1-300x202.png 300w\" sizes=\"auto, (max-width: 385px) 100vw, 385px\" \/><\/a><\/p>\n<p>Having said that, the new rules are not a mandate, as various lenders will incur the risk for certain borrowers with strong compensating factors like substantial liquid assets and an excellent debt repayment history. So, some lenders will originate loans beyond the QM rules, especially in the jumbo mortgage and variable rate areas since default risk is much lower than the conforming segment.<\/p>\n<!--CusAds0-->\n<div style=\"font-size: 0px; height: 0px; line-height: 0px; margin: 0; padding: 0; clear: both;\"><\/div>","protected":false},"excerpt":{"rendered":"<p>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 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":40,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[9],"tags":[11,10,12],"class_list":["post-35","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lending","tag-qm","tag-qualified-mortgage","tag-rules"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Lenders Will Still Offer Loans With Some Risk -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.loanshoppers.net\/blog\/lenders-will-still-offer-loans-with-some-risk\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" 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