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: 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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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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The American Dream of Home Ownership With Cannabis-Related Income 0
- Mortgages, Non-QM
- April 29, 2024
The History of Cannabis in The US During the early to mid-1800s in the United States, cannabis was legal and used primarily for medicinal purposes. As the late 1800s approached, the medical community began to question the efficacy of cannabis, even going as far as recommending that it be categorized alongside regulated narcotics. Around the
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Mobile, Manufactured, and Modular Homes. How Do Lenders View Them?0
- Mortgages, Non-QM
- April 23, 2024
When it comes to mobile, manufactured, and modular homes, many people cannot articulate the differences between them. Most would assume they are all the same, and while similar, each style of home is unique in its own way. Let’s explore the differences between these factory-built homes and how mortgage lenders view them when financing is
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