Marco Santarelli

MARCH 6, 2025

Principal and Interest (P&I): The portion of your monthly payment that goes towards paying down the actual loan amount (principal) and the cost of borrowing the money (interest). LTV (Loan-to-Value Ratio): This compares the amount of the loan to the appraised value of the home. A lower DTI is better.

Mortgages 64

Mortgages Debt-to-income ratio Loans Principal 64

Marco Santarelli

MARCH 4, 2025

Investors are looking at this economic slowdown and thinking that the Federal Reserve , which is in charge of keeping inflation in check, might start to cut interest rates in the future to boost the economy. So, when you're calculating that 30%, you need to factor in all of these elements, not just your principal and interest payment.

Mortgages 83

Mortgages Debt-to-income ratio Principal As-is 83

Marco Santarelli

MARCH 25, 2025

Your individual rate will depend on a range of personalized factors, including your credit score, down payment amount, debt-to-income ratio, and the specific terms offered by your lender. Others suggest that a potential economic slowdown could exert downward pressure on mortgage rates as investors seek the safety of U.S.

Mortgages 52

Mortgages Fixed-rate mortgage Debt-to-income ratio Principal 52

HomeLight

JUNE 22, 2023

Debt-to-income ratio After looking at how much money is flowing into your household, you’ll want to write down your monthly debts. That’s because lenders will also look at your debt-to-income ratio, or DTI. That number will be your debt-to-income ratio.

Debt-to-income ratio 98

Debt-to-income ratio Mortgages FHA loan Loans 98

Marco Santarelli

JANUARY 23, 2025

Monthly Payment Calculation: With the current average rate, for every $100,000 borrowed, the monthly principal and interest payment stands at approximately $668.66. With their popularity continuing to rise among wealthier homebuyers, understanding fluctuations in rates could lead to better financial planning for investors.

Mortgages 52

Mortgages Debt-to-income ratio Loans Fixed-rate mortgage 52

Marco Santarelli

DECEMBER 22, 2024

Investors often turn to Treasuries as a safer asset during times of uncertainty, and when they demand higher returns, mortgage rates increase correspondingly. The monthly payment, including principal and interest, would be approximately $1,930. Debt-to-Income Ratio: Lenders prefer lower debt-to-income (DTI) ratios.

Mortgages 52

Mortgages VA loan Fixed-rate mortgage Debt-to-income ratio 52

Marco Santarelli

MARCH 26, 2025

Factors like inflation, employment rates, and economic growth can influence investor confidence and the demand for bonds, ultimately impacting mortgage rates. It's also worth noting that global economic events and investor sentiment can introduce volatility and influence the direction of interest rates , including those for mortgages.

Mortgages 52

Mortgages Principal Pre-approval Debt-to-income ratio 52

HomeLight

AUGUST 28, 2020

This $250,000 is called the loan principal. It’s a percentage you pay on top of the loan principal. So, let’s say you’ll pay 5% interest on top of the $250,000 principal. When you make your mortgage payment each month, your principal and interest are rolled into one mortgage payment. Your debt-to-income ratio.

Mortgages 104

Mortgages Loans Fixed-rate mortgage Principal 104

Lab Coat Agents

JANUARY 10, 2022

Real estate investors benefit from the high returns they obtain on their investments, whether directly or indirectly in real estate. To invest in real estate, you do not need to be an accredited investor. Most investors begin by purchasing an equity REIT or an income-producing property. Crowdfunding for Real Estate.

Debt-to-income ratio 59

Debt-to-income ratio Investor Renovation Equity 59

Housing Wire

APRIL 8, 2024

Marty Green, principal at mortgage law firm Polunsky Beitel Green , suggested that the CFPB report is missing some important details, including the availability of loans without discount points in the market. “The GSEs added LLPAs to additional loan types and credit score bands,” he said.

Debt-to-income ratio 459

Debt-to-income ratio Loans Principal Mortgages 459

Housing Wire

DECEMBER 15, 2022

Fannie had outstanding loan-repurchase requests to mortgage lenders totaling $939 million based on unpaid principal balance (UPB) as of Sept. That means the loans from those years that end up being repurchased by lenders at their original value, often due to compliance issues such as elevated debt-to-income ratios, are now underwater.

Loans 370

Loans Debt-to-income ratio Purchase and sale agreement Mortgages 370

Housing Wire

DECEMBER 4, 2024

Certain borrower groups are especially vulnerable, including those with lower credit scores , higher debt-to-income ratios and those who opted for more affordable loan products. Still, further deterioration could pose challenges for some investors and servicers and will warrant close attention, according to industry experts.

VA loan 305

VA loan Mortgages Debt-to-income ratio FHA loan 305

HomeLight

JUNE 30, 2021

A low interest rate means you’ll pay less interest on your principal over the life of the loan. The VA allows a debt-to-income ratio of 41% or less ( some lenders might allow up to 50%! ). Fannie Mae and Freddie Mac are government-sponsored enterprises that purchase mortgage loans from lenders and sell them to investors.

VA loan 94

VA loan FHA loan Mortgages Closing costs 94

The Close

DECEMBER 29, 2022

This tool, also known as a like-kind exchange, allows investors to defer paying capital gains taxes on a sale. If you want to work with real estate investor clients, read our own Sean Moudry’s simple, yet thorough run down: “ How to Explain 1031 Exchange Rules to Your Clients.” Debt-to-income ratio (DTI).

Purchase and sale agreement 98

Purchase and sale agreement Title Pre-approval Proof of funds 98

Marco Santarelli

FEBRUARY 8, 2025

Such economic indicators have driven investors to reassess their expectations for future rate cuts by the Federal Reserve. Market Demand: Investor demand for mortgage-backed securities affects rates. Mortgage rates today, on February 8, 2025, have experienced a slight increase, averaging around 6.60% for a 30-year fixed mortgage.

Mortgages 69

Mortgages Debt-to-income ratio Lending Principal 69

Marco Santarelli

FEBRUARY 5, 2025

Of course, market sentiment and investor expectations also play a role. Keep in mind that your mortgage payment will include not only principal and interest but also property taxes, homeowners insurance, and potentially private mortgage insurance (PMI) if you put down less than 20%. This is why Friday's Labor Report is so important.

Mortgages 93

Mortgages Fixed-rate mortgage Debt-to-income ratio VA loan 93