NEWS & INSIGHTS

Non-QM Does Not Mean “No Requirements.” It Means Different Requirements. Many borrowers hear “Non-QM” and assume it means the lender does not look at income, credit, assets, or property condition. That is not true. Every mortgage loan still has risk layers. The difference is how the borrower’s ability to repay is evaluated. In most mortgage programs, one requirement is consistent: Collateral matters. The property still needs to be livable, with no major health or safety conce

What Type of Borrower Gets the Best Mortgage Rate? You might think it's the borrower who negotiates the hardest. Not necessarily. I met a client recently whose first question to every lender was exactly the same: "Can you cover my $600 appraisal fee?" She was determined to get that fee waived. But here's something many borrowers don't realize. When a lender offers a credit to cover your appraisal fee, that money isn't necessarily free. The lender may simply offer a slightly h

Rate Hike Again? The Fed raised its policy rate by 0.25 percentage points in September, and CME FedWatch now shows traders pricing in roughly a 70% chance of another increase in October. Even it doesn’t necessarily mean the mortgage rate will rise again in Oct, but it shows a trend of where the rate is going. As we talk with buyers, here are three things worth keeping in mind: 1️⃣ Focus on negotiating seller concessions. A credit may make a bigger difference to a buyer’s near

Why Now May Still Be the Right Time to Buy Agreed 50%. The housing market is slow not only because of interest rates, but because of broader concerns about the economy and financial stability. As loan originators, our job is not to push people who are not ready into a 30-year mortgage. It is to help those who can genuinely benefit from homeownership today make an informed and responsible decision. #HousingMarket #Homeownership #MortgageAdvice #ResponsibleLending #FinancialRea

Buy Without Sell: When You Don't Have to Sell Your Current Home Before Buying the Next One. $104K annual income. $550K new home. 10% down. Three weeks to close. Most lenders said no — the current home was listed, but with no offer in hand. One suggested a hard money loan. But this borrower wasn't buying an investment property. They were simply moving from one primary residence to another. Here's the situation: 🏠 Current Home - Expected sale price: $450,000 - Outstanding mort