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Equity release helped 18 people a week onto housing ladder in 2017

Some 18 first-time buyers a week took a step on to the housing ladder in 2017 thanks to family members taking out equity release loans, Retirement Advantage found. This equates to one in 40 (2.6%) of the 36,825 equity release plans taken out last year. With over £3bn taken out in equity release nationally last year, loans taken out to help first-time buyers were worth an estimated £79m. Retirees are more unwilling to move into buy-to-let Alice Watson, head of…

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Tips for Washington Home Buyers

For many home buyers in Washington, there are two primary obstacles to buying a home. The down payment and closing costs. But they might only be perceived obstacles. There are ways to reduce these upfront expenses. This article explains how home buyers in Washington State can get closing cost help from family members or other approved sources. How to Use Closing Cost Gift Money from Family These days, most mortgage programs allow borrowers to use gift money from an approved…

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CFPB to review rulemaking authority inherited from other agencies

The Consumer Financial Protection Bureau is seeking comment on whether it should change any regulations it inherited from other federal agencies. The information collection effort is consistent with acting CFPB Director Mick Mulvaney’s efforts to set the agency on a more pro-industry, anti-enforcement course. Many of the questions the bureau seeks comment on deal specifically with how to ease burdens on businesses. The request for input is the ninth of a series of a similar requests as Mulvaney tries to…

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Fresh Trade War Concerns Push Current Mortgage Rates Lower

After rising yesterday, mortgage rates are on the decline today due to increased trade tensions between China and the U.S. President Trump is expected to reveal tariffs on a variety of Chinese imports later today and the expectation is for China to respond with their own tariffs. Read on for more details. Where are mortgage rates going?                                            Rates fall…

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Feature: The future for second charge

It has been a stormy start to the year for the second charge market with the FCA asking difficult questions about certain firms’ practices. But there is optimism that 2018 will bring further growth in lending and greater confidence among brokers who are considering the products for their clients. As the sector deals with the outcome of the watchdog’s thematic review of eight lenders, many hope the work, however difficult it may be, will bring more clarity and consistency in…

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Newfi Lending’s portfolio platform looks to reach underserved

As tight housing inventory continues challenging prospective borrowers, Newfi Lending, a technology-enabled residential mortgage lender, has launched a new portfolio lending platform in an effort to make homeownership more attainable. Sequoia Portfolio Plus is a loan program intended to provide more flexibility for brokers and their client borrowers by offering the ability to employ “make-sense” decisions for creditworthy borrowers with factors that make qualifying for conventional loans difficult, according to the company. All underwriting decisions and exceptions will be made…

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John Carter joins Aldermore from Clydesdale Bank

Specialist bank Aldermore has appointed John Carter as commercial director within the commercial real estate team, responsible for developing propositions and enhancing the customer journey. Carter, who has 30 years’ experience, joins from Clydesdale Bank where he was responsible for its commercial real estate proposition. Prior to this, he worked for National Australia Bank, Bank of Scotland, Bank of Ireland and ING where he established a successful career in the industry. He will manage the commercial mortgages and property development…

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Reversemortgage.org Releases New 2018 Consumer Guides

New Consumer Guides Walk You Through the Reverse Mortgage Process More than one million American homeowners have been served by Federal Housing Administration-backed reverse mortgages via the Home Equity Conversion Mortgage program. Now in its 27th year, the HECM program continues to enhance its consumer protections as lenders strive to improve the customer experience for both reverse mortgage borrowers and their families. Like the acronym suggests, HECMs allow homeowners age 62 and older to convert a portion of their home…

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Atlanta home prices up 9.8 percent — faster than nation’s, Re/Max says

Metro Atlanta home prices are up 9.8% from a year ago, while the supply of homes for sale has continued to shrink, according to a report from Remax. The median sales price of a home sold in the region during February was $225,000, up from a median of $204,900 during the same month of last year, according to the real estate firm. In comparison, the national median sales price was $228,700 — an 8.1% increase over the year. The key…

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Barclays ups max income multiple at high LTV

Barclays has increased its maximum income multiple from 4x to 4.49x between 85% and 90% loan-to-value. This change applies regardless of how much the applicant earns. Those who earn more than £55,000 have a maximum income multiple of 5x up to 85% LTV, a policy that is unchanged. On Barclays’ Family Springboard mortgage a maximum multiple of 5.5x applies for incomes above £50,000. Source link

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