New 2026 Conforming Loan Limits One of the more important housing updates in 2026 is the increase in conforming loan limits, and in my view, a lot of buyers still do not realize how meaningful this change is. The Federal Housing Finance Agency, or FHFA, raised the baseline conforming loan limit for a one-unit property …
DSCR Loans for Real Estate Investors DSCR (Debt Service Coverage Ratio) loans are investor mortgages where qualification is based on property income, not the borrower’s personal income. In simple terms, the property qualifies for the loan, not your W-2 or tax returns. These loans are ideal for investors looking to scale their rental or investment …
The Federal Reserve (the Fed) is responsible for setting monetary policy in the United States. Monetary policy is concerned with managing inflation and supporting a healthy economy. The Fed has a dual mandate: to keep inflation around its 2% target and to help the economy achieve maximum employment. To manage this mandate, the Fed uses …
The 50-year mortgage has been generating a lot of hype lately. We decided to dig a little deeper to understand the pros and cons of this long-term mortgage option. Before we break down the three major myths about the 50-year mortgage, we’d like to highlight a few important points. Interest Rates It’s a common financial …
This article appeared on Mortgage Bankers Association on March 5, 2021 https://newslink.mba.org/mba-newslinks/2021/march/ritesh-singhania-mortgage-rate-buy-down-points-to-sell-or-not-to-sell/ Lenders are often presented with the choice of selling some upfront points to buy down the fixed rate mortgage as against going for the zero-cost option, or even receiving points (to pay off closing cost) for selecting a higher fixed interest rate. These …
One interesting aspect of ‘global crisis’ situations (epidemics, perceived negative geo-political events, natural disasters etc.) is that, historically, any such negative event/ outcome has driven global investors to ‘safe haven’ investment opportunities, which invariably are the US Treasuries…
An entire industry (LendingClub, Prosper, Avant, Marcus by Goldman Sachs among other traditional Banks) is flourishing…
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