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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 | Short Sales foreclosure Mortgage Loan Process Specialized Forward Mortgages Non QM QM

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 | Short Sales foreclosure Specialized Forward Mortgages Non QM bankruptcy QM

The real story on Trump's Treasury pick and reverse mortgages

Terrific article that puts the terminology surrounding reverse mortgages in better context and explains it so normal people can understand. As the article denotes, with a Reverse Mortgage, foreclosure is not necessarily a bad thing.  Foreclosure is n

Jan 20, 2017 | Reverse Mortgage Traditional Mortgage foreclosure Trump Treasury

Home Equity at Risk!

During the brunt of the recent mortgage crisis, when lenders nationwide faced unprecedented levels of mortgage loan delinquency in short periods of time, it was common to see delinquent mortgages sit with no adverse lender action.  The lenders did no

Nov 11, 2014 | Short Sales forgiven mortgage debt solutions for underwater properties HECM Reverse Mortgage foreclosure

An Innovative Means of Curing Mortgage Delinquency

For the past several years, all the talk has been about avoiding foreclosure with loan modifications and short sales for underwater properties with distressed financial situations. One area that has been over looked or maybe just absent from the headlines

Sep 10, 2013 | Reverse Mortgage Short Sales home equity access HECM Reverse Mortgage Loan modification modify your loan with your lender foreclosure

An Illustration of The Risk of Improper Short Sale & Foreclosure Mitigation

  This article was published in The Washington Post on June 15th, 2013. In the event you missed it, I think it is a terrific example of what can happen without proper mitigation. This is exactly what you want to avoid. This applies to Short

Jun 19, 2013 | Short Sales Debt Mitigation forgiven mortgage debt mortgage debt forgiveness act foreclosure

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