Housing Wire

MAY 2, 2024

. “In wholesale, you can shop and sell the loan to a multitude of investors. Right now, we have 200 different investors.” Department of Veterans Affairs (VA) loan for borrowers with no points and a 660 credit score was 6.25%, while conventional mortgages were at a 6.75% rate.

Loan Officer 448

Loan Officer Mortgages VA loan Lending 448

Housing Wire

AUGUST 26, 2024

EPOs are intended to guarantee a minimum return for the investor or mortgage aggregator if a loan is paid off in the first few months. Each investor has their own time frame for EPO fees, but they generally range from three to six months. I’m seeing it already. I’m seeing it in the pricing,” Clark said.

Purchase and sale agreement 468

Purchase and sale agreement Investor Loans VA loan 468

Housing Wire

NOVEMBER 13, 2023

“The mortgage rate spread to Treasuries also grew in October as investors sought safe-haven assets amongst geopolitical concerns in Europe and the Middle East. FHA and VA loan rates rose 26 bps and 40 bps, respectively, both finishing the month at 7.4%.

Mortgages 458

Mortgages VA loan Loans Investor 458

Housing Wire

MAY 10, 2024

Roam now services 35% of homes with FHA and VA loans in the U.S., The investors included Tony Xu, chief executive of DoorDash ; Dylan Field, CEO of Figma ; and Paul Gu, co-founder of lending platform Upstart , among others. Roam has also expanded to three additional markets: Tucson, Arizona; Jacksonville, Florida; and Chicago.

Mortgages 448

Mortgages VA loan Loans Lending 448

Housing Wire

JULY 22, 2024

Quality control also ensures that mortgage loans meet investor and regulatory standards, which minimize the risk of defaults and foreclosures adversely impacting local markets. ’ Can you explain its key functionalities and how it helps lenders ensure compliance with investor requirements and enhance their QC processes?

Lending 444

Lending VA loan Banks Investor 444

Housing Wire

DECEMBER 6, 2024

You can also create messaging for your investor clients to inform them of possible investment opportunities. For example, your investor clients probably wont be interested in a first-time home buyers checklist, and you most likely wouldnt want to send information about 1031 exchanges to the first-time home buyers in your database.

Pre-approval 397

Pre-approval Design Industrial Agents 397

Housing Wire

JUNE 25, 2024

Giving the company the “staff the agency needs to fulfill its responsibilities” will allow it to “focus on its core mission, including marketing Ginnie Mae securities to global investors and conducting oversight of the 300-plus companies that issue Ginnie Mae securities backed by FHA, RHS, and VA loans,” the letter read.

Mortgages 385

Mortgages VA loan FHA loan Loans 385

Housing Wire

MARCH 16, 2022

“Investors are weighing the impacts of rapidly increasing inflation in the U.S. Purchase applications slightly increased, with both conventional and VA loan applications seeing gains,” said Kan. The MBA found that the adjustable-rate mortgage share of the activity increased to 5.6% of total applications.

Fixed-rate mortgage 397

Fixed-rate mortgage Mortgages VA loan Loans 397

Housing Wire

DECEMBER 16, 2022

In the first few months of 2022, primary-residence buyers and second-home buyers (investors and vacation buyers) flocked to the market at a frenzied pace under the correct assumption that mortgage rates would rise. The market has now faced a contraction in existing-homes sales for nine consecutive months, while home prices and rates rise.

VA loan 497

VA loan Staging Equity Investor 497

Housing Wire

DECEMBER 4, 2024

Still, further deterioration could pose challenges for some investors and servicers and will warrant close attention, according to industry experts. Walsh said that there’s a “big question mark” related to FHA loans, which recorded a 10.46% delinquency rate in Q3 2024, up from 9.5% in the same period last year.

VA loan 305

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

Housing Wire

NOVEMBER 4, 2020

“Investment loan applications are showing a higher risk because real estate investors have a profit motivation for their activity,” said Bridget Berg, Principal, Fraud Solutions at CoreLogic. Investors often own other real estate and are more likely to have undisclosed ownership and transactions in process.”.

Mortgages 448

Mortgages VA loan Loans Lending 448

Housing Wire

NOVEMBER 7, 2023

mortgage delinquencies — which include conventional, FHA and VA loans — are still near record lows of 3.37% per the MBA. Can flexible GSE guidelines help today’s challenged homebuyers in a systemically safe way? I think so because total U.S. housing value is now $44.5 trillion per MBA.

Debt-to-income ratio 435

Debt-to-income ratio Mortgages VA loan Loans 435

Housing Wire

JANUARY 26, 2022

For qualifying buyers, loans can be distributed in amounts up to $3 million. Currently, the fintech’s product portfolio includes conventional 15- and- 30-year fixed rate loans but the lender does not offer FHA or VA loans. Meanwhile, in October 2020, Tomo picked up $40 million in a seed round led by the same investors.

Mortgages 370

Mortgages Pre-approval VA loan Lending 370

Housing Wire

DECEMBER 3, 2020

“I work with first-time buyers throughout the county, and the majority of my clients are military and using their VA loans, so they don’t have a lot of liquidity,” said Alanna Strei, a California-based Realtor who said she has a “backlog” of first-time buyers looking to get into a home.

VA loan 429

VA loan Principal Equity Residential 429

Housing Wire

DECEMBER 30, 2020

Investors began to show an increased concern about the economic impact from China’s coronavirus outbreak, driving rates to a three-year low of 3.51%, according to Freddie Mac’s Primary Mortgage Market Survey (PMMS). Historically, presidential elections can play with the market as investors ponder the direction of the economy.

Mortgages 545

Mortgages Loans VA loan Investor 545

Housing Wire

SEPTEMBER 16, 2021

Perhaps even more important, these data also showed the largest quarterly declines in the history of the survey for both FHA and VA loans. The forbearance data are tracked by investor category (Fannie/Freddie, Ginnie, Portfolio/PLS) and servicer category (IMB, depository). Source: MBA’s National Delinquency Survey.

Mortgages 501

Mortgages Loans VA loan Investor 501

Housing Wire

SEPTEMBER 22, 2023

For one thing, no fixed-income investor thinks that mortgage-backed securities with 7% mortgage rates will be there when the Fed finishes the inflation fight. So you’re having to encourage investors with wider spreads to accept that. If they are an IMB, they have to place it with an investor. So the investor will be monitoring.

FHA loan 476

FHA loan Bankruptcy Marketing Loans 476

Housing Wire

MARCH 29, 2022

Chasing down missing pages can require several days of back-and-forth correspondence between processors and borrowers, extending loan cycle times and frustrating borrowers. Changing the Game: Digital Verification of Assets.

Lending 369

Lending Earnest money deposit VA loan Loans 369

Housing Wire

MARCH 30, 2023

Because of the qualified mortgage laws of 2010, we are lending to the capacity to own the debt, which means speculative credit cycles from primary resident homebuyers or even investors can’t occur in the same fashion as from 2002-2005. The purchase application data below clearly shows this.

Loans 539

Loans VA loan Banks Mortgages 539

Housing Wire

FEBRUARY 7, 2023

In a paper published by the Urban Institute in October, Ted Tozer, the former head of Ginnie Mae , argued that government changes to assumable loans could benefit the market. When it’s a VA loan being assumed, if the assuming qualified buyer is a non-veteran, the seller’s VA entitlement will remain tied to the assumed property.

FHA loan 397

FHA loan Mortgages Loan Officer VA loan 397

Marco Santarelli

JANUARY 2, 2025

Investors often demand higher yields in a rising interest rate environment. VA Loans : For military service members and veterans, VA loans offer competitive rates that are often lower than conventional loans, along with favorable terms. Bond Market : The yield on U.S. Treasury bonds impacts mortgage rates.

Mortgages 98

Mortgages Fixed-rate mortgage Debt-to-income ratio VA loan 98

Marco Santarelli

MARCH 4, 2025

Economic Growth (or Lack Thereof): If the economy is slowing down, investors often shift their money into safer investments like mortgage-backed securities. Global economic uncertainty can lead to investors seeking the safety of U.S. This increased demand can then push mortgage rates down. Inflation: Inflation is a big one.

Mortgages 119

Mortgages Debt-to-income ratio VA loan FHA loan 119

Housing Wire

SEPTEMBER 12, 2023

IMBs are often more flexible than traditional banks, and they are more likely to lend to borrowers with less-than-perfect credit due to their strategy of having multiple investor outlets. It was still transactional revenue, but they weren’t originating loans to create their own pools of refinance loans for securitization anymore.

Banks 418

Banks Mortgages Loans Investor 418

Housing Wire

JANUARY 31, 2021

HousingWire: What is the biggest challenge servicers and real estate investors face this year? Bryan Bellacosa: Anticipating that foreclosure moratoriums will lift sometime during 2021, real estate investors and servicers need to be prepared for an increase in defaulted loans.

VA loan 236

VA loan Investor Title Loans 236

Marco Santarelli

MARCH 27, 2025

Market Instability: The market is a very sensitive thing and investors are hesitant about putting money into debt markets. Expert Insights According to Realtor.com Senior Economist Joel Berner, the mortgage rates have been fluctuating because the recovering stock market has been pulling investors out of the debt market. Treasury yield.

Mortgages 113

Mortgages FHA loan Purchase and sale agreement Pre-approval 113

Housing Wire

JULY 29, 2024

Tool to drive new capital to the multifamily space Multifamily investing This tool would simplify multifamily investing to attract new players and/or make it easier for existing investors to acquire or renovate properties. Basically an AI mentor to hold the investor’s hand through the process and surfaces opportunities and resources.

Loans 360

Loans VA loan Technology Property Management 360

Housing Wire

SEPTEMBER 13, 2023

Tech executive and investor Keith Rabois at venture capital firm Founders Fund led the capital injection. New York-based mortgage platform Roam has secured a $1.25 million seed round, allowing the company to officially launch its services on Wednesday. Roam focuses on a distinctive niche within the mortgage industry: assumable mortgages.

Mortgages 459

Mortgages Loans Banks Investor 459

Housing Wire

JULY 28, 2021

The 10-year Treasury yield went into free fall last week, as investors grew concerned about the rise in COVID-19 variant cases and the potential economic fallout, according to Joel Kan, MBA’s associate vice president of economic and industry forecasting. Mortgage applications increased 5.7%

Fixed-rate mortgage 397

Fixed-rate mortgage Mortgages Loans Finance 397

Mashvisor

OCTOBER 30, 2021

In most cases, the capital needed usually surpasses the investors’ resources. As such, it’s common for investors to find ways to leverage other people’s… Investing in real estate requires capital.

VA loan 54

VA loan Investor Loans Finance 54

Housing Wire

AUGUST 23, 2023

Investors in the bond market were reacting to the government issuing debt while expecting the Federal Reserve to increase rates in September amid persistent inflation,” HousingWire ’s Flávia Furlan Nunes wrote last week. For the week that ended August 18, mortgage applications fell 4.2% bond yields spike last week.

Fixed-rate mortgage 370

Fixed-rate mortgage Mortgages Loans Investor 370

Housing Wire

MAY 15, 2023

When broken down by investor type, 38% of U.S. Department of Veteran Affairs mortgages outstanding as of the first quarter of 2020 were refinanced by the end of 2021, compared to 25% of Fannie Mae and Freddie Mac mortgage loans and 22% of Federal Housing Administration mortgages.

Equity 397

Equity Loans Mortgages Banks 397

Housing Wire

MAY 31, 2022

New Western calls itself “the largest private source of investment properties in the country,” connecting more than 100,000 local investors looking to rehab houses with sellers. When we help bring distressed properties back to the market, it’s up to 31% less expensive than a new construction home.”.

Mortgages 397

Mortgages Loans Lending Construction 397

AAOA

JANUARY 27, 2025

Because of their capacity to improve an investors cash flow, generate multiple streams of income and boost their net operating income (NOI), multifamily properties are a popular type of real estate investment. Make sure you understand the historical actuals on the expense structure, not just what the broker estimates they could be, Lea said.

Property Management 80

Property Management Due diligence Finance VA loan 80

Marco Santarelli

DECEMBER 21, 2024

As reported, 30-year mortgage rates have increased from 6.56% in November 2024 to their current average due to investor sentiment and economic indicators. FHA and VA Loans For low-income or first-time homebuyers, FHA loans provide essential options. Current Rates : 7/1 ARM at 6.69% Pros : Lower initial payments.

Mortgages 52

Mortgages VA loan Loans FHA loan 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. Treasury Yields: The 10-year Treasury yield is a significant benchmark for mortgage rates. When yields rise, so do mortgage rates, and vice versa.

Mortgages 52

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

Real Trends

NOVEMBER 11, 2022

Real estate professionals should make their customers aware of extra fees associated with USDA loans including an upfront fee of 1% of the loan amount and an annual fee. VA loans provide flexible, low-interest mortgages for active military members and veterans.

Finance 113

Finance VA loan FHA loan Agents 113

RIS Media

SEPTEMBER 9, 2021

“There was also a slight expansion in government credit, as more investors offered streamlined refinance options for FHA and VA loans.” .” “In the conforming space, more lenders offered GSE refinance programs catered to lower-income borrowers to help reduce their rates and payments,” added Kan.

Mortgages 105

Mortgages VA loan Loans Investor 105