What Happens During Mortgage Underwriting?
Most people in today’s world buy homes with the assistance of a mortgage. Typically, a home purchase is contingent on the buyer securing financing, and, at closing, the seller will be disbursed a check by the lender for part of the proceeds of the sale. But lenders don’t give mortgages to just anyone who wants.. Read More
How Do Current Investment Property Mortgage Rates Compare With Owner-Occupied Mortgage Rates?
Unless you have been living under a rock, you know that current mortgage interest rates have been at all-time lows for well over a year. Current interest rates on owner-occupied property mortgages are averaging between 2.563% and 4.039% across the United States, depending on the property, term, type of loan, quality of borrower, and geographic.. Read More
Colorado Springs the Top Market for Homebuyers Likely to Move in Q3 201
Current Relocation Trends in an Era of Post-Pandemic Strangeness While there were many theories that abounded about how COVID would affect trends throughout the country, including how it would affect relocation and housing, it didn’t seem to stop the already existing direction toward movement. But it did seem to lend some interesting inward and outward.. Read More
Is it a Good Idea to Get a Non-QM Refi in This Market?
For most people in the industry, we knew it was just a matter of time before mortgage rates started to ease back up. While the Federal Reserve was instrumental in keeping rates low for everyone during the COVID-19 pandemic and keeping the economy viable, the industry is being primed with new talks about possible incremental.. Read More
US Mortgages For Canadian Citizens
If you are a Canadian citizen who has moved to the United States or temporarily living and working here, buying a home here may be on your mind. Fortunately, getting a mortgage here is not predicated on citizenship, but on income. Consequently, if you have taxable income in the United States, you can qualify for.. Read More
Can I Get a Mortgage Without Tax Returns?
Most conventional mortgages require tax return income verification for the past two years to prove income. But there are many instances where a borrower may not want to provide tax returns. Aside from privacy, many people simply don’t show enough annual income to qualify for a mortgage on their official tax returns, especially if they.. Read More
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