Non-QM

What is a Super-Conforming Mortgage?0
- Mortgages, Non-QM
- December 23, 2024
The Super-Conforming Mortgage Since 2020, residential real estate has been a hot commodity with stratospheric appreciation driven by record-low interest rates and a lack of inventory. The high inflation and interest rate hikes that followed brought some markets back to Earth. There are many desirable areas of the country where real estate values have remained
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Article: DSCR or Hard Money Loans? Let’s Compare.0
- DSCR Investing, Investor News, Mortgages, Non-QM, Real Estate
- November 27, 2024
When financing an investment property, DSCR (Debt Service Coverage Ratio) and hard money loans offer distinct advantages tailored to different investor needs. DSCR loans are primarily calculated based on the property’s potential or actual rental income. This means lenders look at the property’s ability to cover loan payments through its income, making these programs ideal for
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Article: Is Now The Time Right To Take Advantage Of Your Home Equity?0
- Mortgages, Non-QM
- October 22, 2024
Surging inflation has made the last several years especially challenging for American families. As of September 2024, national household credit card debt has risen to an astronomical $1.1 trillion and the interest due on that debt is crushing. Homeowners could tap their equity to relieve financial stress, but high rates have made that prospect a
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Do I Need a 20% Down Payment for a Jumbo Loan?0
- Mortgages, Non-QM
- June 5, 2024
Do I Need a 20% Down Payment for a Jumbo Loan? When it comes to purchasing a home, one of the most common questions prospective buyers ask is, “How much do I really need?” The answer to this question is not as straightforward as it might seem. It depends on various factors, including the lender’s
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A Comprehensive Guide to Qualifying for a Mortgage with Bank Statements 0
- Mortgages, Non-QM
- June 3, 2024
When you’re self-employed and exploring mortgage options, using bank statements to qualify for a home loan could be a great fit for you. Your bank statements serve as a window into your financial health – providing lenders with a detailed picture of your income, expenses, and overall financial stability. Let’s examine the process of qualifying
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Conforming Mortgage Loan Limits vs Jumbo and Super Jumbo Loan Limits 0
- Mortgages, Non-QM
- May 23, 2024
In the complex landscape of American home financing, the Federal Housing Finance Agency (FHFA) stands as a key regulator, tasked with setting conforming mortgage loan limits across the United States, which has far-reaching implications for homeowners and lenders alike. Every year during the month of November, the FHFA evaluates the current state of the market
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