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Is A Reverse Mortgage Right For You?

Imagine the bank depositing monthly premiums into your account instead of you writing a mortgage check. That’s basically how a reverse mortgage works.   Traditional mortgages involve people paying down the interest and principal on a home loan. The goal is generally to pay off the property and cruise through retirement without that monthly installment eating at your budget. With your home paid off, those previously allotted finances can be used to relax and enjoy your retirement to the fullest.…

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How Do Student Loans Affect My FHA Mortgage?

How do student loans affect your FHA mortgage? Is it harder to get FHA loan approval if you have student loan debt? What if the debt is not currently due or being paid in monthly installments? FHA loan rules in HUD 4000.1 (the FHA loan handbook) address these issues. Student loan debt is in a category of its’ own thanks to rule changes a few years ago taking student loans into account during the review for credit worthiness. Student loans…

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Mortgages for Business gets new-look website

Commenting on the new design Steve Olejnik, MD at Mortgages for Business, said: “Keen to ensure that we keep up with technology and popular website designs, six clients were invited to take part in a formal UX review day, hosted by specialists Dock9. “The resulting feedback was shared with our web developers, Lilo, who successfully translated the responses to create a site which not only streamlines the customer journey, but also gives it a cleaner and more current feel.” The…

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Is the Real Estate Market Changing in the Bay Area?

Only time will tell if the summers’ slowing sales in California are a momentary pause or a sign of a permanent change in the market. According to the latest data provided by CoreLogic, home sales barely increased for July 2018 above July 2017, following two months of lower home sales. The slowing volume of sales does not, however, mean that housing prices have dropped. In California, home prices are volatile from month to month, with July 2018 prices dropping 0.8%…

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Arrangements with Business Partners in Today’s Regulatory Environment

Marketing Services Agreements By Fed Kamensky Because of the sizable penalties that can be levied against those who incorrectly conduct Marketing Services Agreements (MSAs), and in light of the ever-changing regulatory environment encompassing the world of settlement services, the permissibility of MSAs has been a topic of contention in the recent years. The recent CFPB v. PHH Corporation decision also has had an impact on certain industry business arrangements, including MSAs. This article explores the background and recent developments that…

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How a Seller Concession Works on a VA Loan in Washington 

Washington State has a fairly large military population. That means there are many home buyers in the state who could benefit from using a VA loan. One of the benefits of this program is that it allows sellers to contribute money toward the home buyer’s closing costs. The ‘Seller Concession’ Defined Home buyers in Washington who use a VA loan to buy a house usually have to pay closing costs. This is true for other mortgage programs as well. These…

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Identifying Qualified Home Buyers in The Era of The Gig Economy

By Brett Owens Gig: a job usually for a specified time It is no secret that rising home prices and average mortgage rates have led homebuyers to shop around for the best possible deal. With interest rates on the rise leading to a dip in refinancing activity, mortgage lenders can expect intense competition for qualified borrowers for the foreseeable future. But in this hot market, mortgage lenders seeking higher loan production could be missing out on an opportunity to identify…

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The Annual Privacy Notice – Rule Finalized!

Finally! The CFPB issued its final rule regarding an exemption to the annual privacy notice. This issue was first introduced in December 2015 when Congress amended GLBA as part of The Fixing America’s Surface Transportation Act (The Fast Act). This amendment added a new GLBA section to provide an exception where financial institutions that met certain conditions were not required to provide annual privacy notices to customers. Many financial institutions immediately made changes; however, others did not until a final…

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Sussex County, New Jersey VA Loan Information

The 2018 $0 down, VA home loan limit for Sussex County is $ 679,650. Sussex County is located on the northern edge of New Jersey and is home to a huge variety of local attractions and resources. Thanks to its position in the state, Sussex County is home to many beautiful outdoor spots, including High Point State Park, Buttermilk Falls, Allamuchy Mountain, and many more! Popular attractions in the county include Space Farms, Sterling Hill Mining Museum, and H2-Oh-No. The…

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Tune in Tuesday: Introducing HELO

Say hello to HELO! Today on Tune in Tuesday, we’re excited to reveal our newest iteration of the reverse mortgage. For those who may not have qualified for a traditional FHA reverse mortgage, the HELO may be an excellent fit – especially for those with a high-value home or condominium. Just like a regular reverse mortgage, HELO allows borrowers to access a portion of their home equity.  In order to find out if you qualify for HELO, feel free…

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