Housing Wire

SEPTEMBER 22, 2023

For existing homeowners, that’s good news because it means equity accumulation. These loans are going to refinance, and the consumer will be in good shape, building equity to become a move-up buyer. Kim: Bankruptcies and layoffs are still happening. Duncan: I was looking at the bankruptcy data.

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FHA loan Bankruptcy Marketing Loans 476

Housing Wire

DECEMBER 29, 2022

In 2008, the rise of foreclosures and bankruptcy were waving red flags before the job-loss recession even happened. Today, it’s the complete opposite story: the 2005 bankruptcy reform laws and the 2010 Qualified Mortgage laws laid the foundation for the best housing credit profiles recorded in U.S.

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Marketing Bankruptcy Sales FHA loan 546

BAM Media

APRIL 3, 2025

1: Foreclosures & Bankruptcies Still Below Pre-Pandemic Levels Consumers still worry that were heading for a repeat of the Great Recession of 2008. Number one, foreclosures and bankruptcies were rising in 2005, -6, -7, and -8. The loan to values (LTV) back in 2008 were 85%; loan to values right now is 46.6%.

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Bankruptcy Pre-approval Marketing FHA loan 99

Realty Biz

DECEMBER 29, 2021

Among the many mortgage options buyers have, the FHA loan is one of the most popular. Read on for a complete rundown of what an FHA loan is, how you qualify for one, and how an FHA loan compares to a conventional home loan. What Is an FHA loan? An FHA loan can be for up to 96.5%

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FHA loan Loans Bankruptcy Mortgages 103

Realty Biz

APRIL 5, 2022

One of the frequently asked questions during today’s booming housing market is can I qualify for a mortgage during Chapter 13 Bankruptcy. Chapter 13 Bankruptcy is a court-approved debt repayment plan where their debts are restructured over a period of three to five years. Mortgage Options During Chapter 13 Bankruptcy.

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Bankruptcy Debt-to-income ratio VA loan FHA loan 120

HomeLight

AUGUST 26, 2020

If you’re a first-time homebuyer , you have a lot of decisions to make, including what type of loan to choose. You may have heard that FHA loans are good options for first-time homebuyers, but why is that? Well, FHA loans have a few benefits for first-time homebuyers that conventional loans don’t.

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FHA loan Loans Debt-to-income ratio Bankruptcy 72

Realty Biz

SEPTEMBER 30, 2023

Government-backed programs: Government-backed mortgage programs, such as FHA loans, VA loans, and USDA loans, often have more relaxed credit score requirements. Longer time to build equity: With a higher interest rate and potentially larger down payment, it may take longer for you to build equity in your home.

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Finance Debt-to-income ratio FHA loan Mortgages 96