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mortgage brokers: HARP 2 CHALLENGES AND OPPORTUNITIES - 05/23/12 05:51 AM
“HARP 2 Challenges and Opportunities” Many of the challenges that lenders experience are turning into opportunities for us. Many of the lenders have limited the loan to value. Many are only going up to 105% of the value of the property, which kills a lot of transactions. I have a number of lenders that will go up to 150%, which is a huge difference. There continues to be talk of higher than 150% loan to value that will be coming in the near future. In the first couple of weeks that the program came out, two transactions came to me after (3 comments)
mortgage brokers: PROFITS AFFECTED BY DODD-FRANK, MEANS LESS HIRINGS - 05/15/12 05:34 AM
“Profits Affected by Dodd-Frank, Means Less Hirings” The amount of rules and regulation that affect banks and mortgage companies is beyond belief. This bill got created to protect the best interest of the consumer. The problem is, just the opposite is happening. The Consumer Financial Protection Bureau is now proposing a new and improved way to eliminate the mortgage brokers. They are proposing to reduce our fees, all in the name of the consumer. I have a challenge for the CFPB, contact any of my clients, as them if they feel, that they were over charged for the services (1 comments)
mortgage brokers: WHEN HAS COMMON SENSE BEEN CONSIDERED, STRICTER MORTGAGE STANDARDS? - 05/04/12 11:38 AM
“When Has Common Sense Been Considered, Stricter Mortgage Standards?” All the efforts of Dodd-Frank, when it comes to mortgages, are totally worthless, yes worthless! The only reason subprime loans ever existed, was because there were buyers for this mortgage paper. Dodd-Frank put together a list of restrictions for Banks, Mortgage Bankers, Lenders, Mortgage Brokers and Loan Officers, that all are precluded from doing loans such as negative amortization, balloon payments and interest only loans. What difference does that make, when there isn’t anyone out there that would buy these mortgages? You talk about stupid legislation! Dodd-Frank has said that it (3 comments)
Every time I read an article like the one below, I wonder if we are on the same planet. Real estate sales continue to be stronger this year of last, which means more mortgage applications, so I struggle with the math.
HARP 2 refinances are an added boost the to the refinance activity. Here is no shortage of Fannie Mae or Freddie Mac loans that are upside down. Again, I struggle with the math, but no matter, it’s all good.
Mortgage Applications Decline 2.4% From Week Before: MBA By: Ryan (1 comments)
mortgage brokers: FULL DISCLOSURE, WHEN IT COMES TO FEES? - 02/24/12 09:12 AM
“Full Disclosure, When it Comes to Fees?” I have been following this case (article below), for some time. There are also a couple of others that have been moving through the court systems. The essence of this case is, what fees are earned vs. unearned. You would think this is pretty simple, but not so much. As a mortgage broker, we are required by law to disclose all fees in a way that is understood by the borrower. It is hard for me to understand why banks and direct lenders don’t have the same requirements, otherwise these cases wouldn’t be an (3 comments)
mortgage brokers: MORTGAGE EMPLOYMENT ON THE RISE - 12/05/11 08:03 AM
“Mortgage Employment on the Rise” I can assure you these improved employment statistics do not come from the major banks. More loan officers are actually leaving the banking sector and moving to mortgage companies. Many of these loan officers have continued to figure out, that banks aren’t the end all be all. Most thought the mortgage broker community would disappear, guess what, they were totally wrong. Companies like ours, continue to thrive and grow. I received a referral from a past clients this morning. He ask a normal/typical question. Why should I do a mortgage with you compared to (2 comments)
mortgage brokers: LOAN ORIGINATORS, THE CREAM IS COMING TO THE SURFACE - 12/03/11 08:20 AM
“Loan Originators, The Cream is Coming to the Surface” If you would have told me a few years ago, that 25% of my revenues would be coming from referrals from banks and credit unions, I would have told you, “You’re Crazy”. As the article below describes, the mortgage broker community is doing mortgages that banks aren’t doing for one reason or another. I have never understood why, 9 out of every 10 loans that are being referred by the banks, we are able to do. Here is what else I don’t understand. Every mortgage company, lender, bank and credit union (0 comments)
mortgage brokers: IN SPITE OF ALL NEWS TO THE CONTRARY, MORTGAGE BROKERS ALIVE AND DOING WELL - 10/03/11 08:31 AM
“In Spite of All News to the Contrary, Mortgage Brokers Alive and Doing Well” A couple of years ago, many mortgage brokerage shops closed, merged, became net branches and who knows what else. There was an exodus of loan officers away from the mortgage brokerage shops to banks, mortgage banks and net branches. I talk to many loan officers that work for non mortgage brokerage firms, as they send me loans constantly, that for one reason or another they can’t do and we can. Many of these same loan officers say, they made a mistake and should not have (0 comments)
mortgage brokers: MORTGAGE BROKERS NO LONGER WILLING TO TAKE THE FALL - 09/06/11 11:12 AM
“Mortgage Brokers No Longer Willing to Take the Fall” This article by Mark Savitt speaks for all mortgage brokers. I have spoken about the appraisal system for months and months. This appraisal system has done more harm to real estate values. One of the major intentions of this regulation was, that it would protect the consumer. If protection means that appraisals now cost more money, they have certainly hit the mark.
For anyone who actually believes mortgage brokers caused the financial crisis in this country, I have a great deal on Lehman Brothers stock for you. Several years (1 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.