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Invitation Homes refinancing another 2 single-family rental securitizations

Invitation Homes is refinancing another two single-family rental securitizations originally issued in 2015, and it’s cashing out equity in the process, according to rating agency presale reports. The properties securing these two transactions, Invitation Homes 2015-SFR1 and Invitation Homes 2015-SFR2, will be bundled into collateral for a new transaction called Invitation Homes 2018-SFR1. The new deal will be backed by a $1.06 billion loan that is secured by first-priority mortgages on 5,614 income-producing single-family homes. The collateral includes roughly 45.3%…

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Hampshire Trust Bank increases buy-to-let and HMO LTV and max loan value

Hampshire Trust Bank has increased the loan-to-value ratio on its buy-to-let and house in multiple occupation (HMO) 5-year fixed rate to 75% and increased the maximum loan size to £5m. The rate is 4.39% and a valuation refund of up to £1,000 has been introduced for loans over £1m. Full arrangement fees can be added to the loan, there is no administration fee and the interest cover Ratio (ICR) is stressed at fixed rate. David Whittaker, managing director at Mortgages…

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Create A Custom Digital 1003 Mortgage Application

Create A Custom Digital 1003 Mortgage Application | BNTouch Mortgage CRM Customize Your Digital 1003 Mortgage Application Streamline your application process with our improved and completely customizable digital 1003 mortgage application. Create a 1003 that works for your borrowers, just send them a link to their custom online portal and they’ll be able to fill out their 1003 application online with ease. We’ve created a completely unique 1003 experience here that you’ll be able to…

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Invictus tests market for new kind of single-family rental RMBS

Invictus Capital Partners is testing the waters for residential mortgage bonds backed exclusively by investment properties. The 860 loans backing its latest transaction, the $258.4 million Verus Securitization Trust, 2018-INV1, are all used for “business purpose investor loans,” according to S&P Global Ratings. Just under half (48.3%) finance single-family homes, another 24. 2% finance two- to four-family homes, 18.3% finance “planned unit development,” and the remaining 9.1% finance condominiums. It’s a product that Invictus and others have offered for some…

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Foundation Home Loans launches 5-year fixed rate on its buy-to-let range

Foundation Home Loans has launched a new 5-year fixed rate deal called standard plus, across its buy-to-let range, aimed primarily at portfolio and non-portfolio landlords. It will only be available for a limited time, offers a competitive fixed rate of at 3.54% (fixed until 31/7/2023), is up to 75% loan-to-value and comes with a 2% arrangement fee. The product is available to portfolio and non-portfolio landlords without any adverse credit within the last six years, except in some minor blip…

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Major California housing bill dies in first committee hearing

A sweeping bill that would have given the state unprecedented power over local development failed in its first committee hearing, crushing the hopes of those who saw it as the key to making housing in the state more affordable. At a lively and crowded hearing Tuesday, the Senate Transportation and Housing Committee blocked Senate Bill 827, a bill to force cities to allow apartments and condominiums of roughly four to five stories within a half mile of rail and ferry…

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A Mortgage Pre-Approval Approves You For Only One Number and That is NOT the Purchase Price

You’re finally ready to become a homeowner, and you want to do everything right in the process. According to your research, realtor, family, and friends – the first step is getting pre-approved by a mortgage lender. The problem is, no one can explain what exactly ‘pre-approved’ means. You’ll find some of the answers in these two blog posts, but it may surprise you. A loan pre-approval is not a loan officer doing a quick review of your information and generating…

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Virgin Money loosens buy-to-let criteria

Virgin Money will now accept income to cover rental shortfalls and has lowered its interest stress rates as its looks to widen access to its buy-to-let range. The lender will now consider personal income to cover a shortfall in rent between 100% and 145% of the mortgage payment, though there is minimum income requirement of £50,000 for this to be used, excluding money from buy-to-let properties. The lender has also lowered the stress rate on 5-year fixes from 5.24% to…

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DFW homes sell at one of the fastest rates in U.S.

Dallas-Fort Worth homes was one of the fastest-selling home markets in the country last year. And the pace of local home buying is expected to remain rapid this year, according to analysts with Zillow. With an average home sales time of just 55 days, North Texas ranked sixth nationally in 2017 among markets with the shortest selling time. Adobe Stock San Jose, Calif., where it took just 41 days to move a property, and San Francisco (43 days) were the…

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Buying Vs Renting a house in India – Home Loans: Everything You Want To Know

With rising costs and increasing options – should you still strive to buy a house? or should you live on rent instead? In our country, each individual grows up listening to the importance of owning your our home. Roti Kapda and Makaan – basic needs of every human being. So when you start earning, a primary goal is to save up enough so you can invest in a property. This thought process has not changed much over the years. But…

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