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Mortgage Blog

QM versus Non QM...What is its significance for you?

QM versus Non QM...What is its significance for you?

A Qualified Mortgage (QM) represents a definitive set of qualifying criteria as defined by the government under Federal Dodd Frank regulations.  You can think of this as a prism, more or less, with the perfect loans by definition falling inside the p

Apr 05, 2018 | Non QM Mortgage Loan Process Specialized Forward Mortgages QM foreclosure Short Sales

How To Use Hard Money Short Term Loans To Your Advantage

How To Use Hard Money Short Term Loans To Your Advantage

Hard Money loans are commercial real estate loans that are short term in nature for business and investment purposes.  One of the key advantages of these type of loans is quick access to non-qualifying financing.  This type of loan is ideal for

Feb 21, 2018 | Hard Money Loan Construction Loan Commercial Real Estate Investor Loans Real Estate Investment Loans

Do you need a shot of Non QM to get you over a Housing Crisis Hangover?

Do you need a shot of Non QM to get you over a Housing Crisis Hangover?

Maybe this is just what the doctor ordered.  Remnants from the crisis, such as a Short Sale, Foreclosure, or even possibly a bankruptcy, could still be holding you back.  Quality Mortgages (QM) defined is that square box of perfection that you m

Feb 20, 2018 | Non QM Specialized Forward Mortgages foreclosure Short Sales bankruptcy QM

Expanded Loan Programs - No Doc Investor

Expanded Loan Programs - No Doc Investor

Due to recent changes to the HECM Reverse program, we have redirected some of our focus into the areas of private Jumbo Reverse Mortgages for the higher priced homes and Specialized Forward Mortgages primarily focused on self-employed borrowers and invest

Feb 05, 2018 | investor financing No Doc Investor Loans Specialized Forward Mortgages Jefferson Mortgage Group

Private label Reverse Mortgages hit the Sweet Spot!

Private label Reverse Mortgages hit the Sweet Spot!

Private label reverse mortgages are hitting the sweet spot for higher priced homes in DC and the surrounding suburbs in Northern VA.  Many retirees have lived in their homes for a long time and have a very low cost basis.  They are comforta

Jan 23, 2018 | Jumbo Reverse Mortgage Reverse Mortgage HECM Reverse Mortgage Age in Place Eligibility for Reverse Mortgage

Reverse Mortgages - Government vs. The People - PLFs

Reverse Mortgages - Government vs. The People - PLFs

Since October 2013, it would appear that our government has been grappling with the people over principal limit factors (PLFs), otherwise referred to as home equity access levels for homeowners with Reverse Mortgages. The government actions are clearly ba

Jan 03, 2018 | HECM Reverse Mortgage Principal Limit Factor Non-recourse loan FHA Reverse Mortgage

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