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Qualified Home Loans

Month: February 2022

Broker is Better – Loan Options Beyond Vanilla

The Great Recession and resulting housing crash of 2008 completely restructured the residential lending environment. Prior to that, most loans were not homogenized into either Fannie Mae, Freddie Mac, FHA, or VA. We had a robust and competitive secondary mortgage market (some could argue too much so) allowing private institutions to offer attractive loans to …

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10yr ARM: Definition And Today’s Rates

Program Benefits Rate is fixed for the first 10 years Loan amounts up to $2.0M Get cash out with a low rate Available for second homes and investment properties Requires full doc income verification (pay stubs, or tax returns) Sample Scenarios* (The following scenarios assume 780+ FICO, Full Doc, 6-12 months reserve funds. Rates are …

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