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Mortgage Guidelines

Loans: Tighter Lending Restrictions That Affect Real Estate Transactions

by Ted Canto Mortgage Guidelines

Loans:  Tighter Lending Restrictions That Affect Real Estate Transactions
The last couple of years have brought with it tighter lending requirements that have prevented many potential homebuyers from qualifying for a home loan.  What you may or may not know is that there has not been one specific period in which these changes have taken place [...]

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FHA Relaxes the Anti-Flip Policy for One Year

by Shane Hollenback FHA Loans

FHA has relaxed the Anti Flip policy for one year starting February 1, 2010.

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Arizona FHA Streamline Refinance Requires 620 Credit Score

by Justin McHood FHA Loans

Arizona FHA Streamline Now Requires Minimum 620 Credit Score
Yesterday, it was announced that virtually all lenders in the US now require a minimum credit score of 620 for the Arizona FHA Streamline refinance loan program. TB&W made the announcement that they were moving their minimum credit score requirement for all Arizona FHA streamline mortgage refinance [...]

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New Home Buyer 8000 Tax Credit Down Payment: Answers To Questions

by Justin McHood 8000 tax credit

8000 tax credit being used as a down payment questions and answers. How the down payment loan works and how to use tax credit for down payment or closing costs.

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Does It Cost Money To Extend Your Lock?

by Justin McHood Mortgage Guidelines

It does cost money to extend your lock, but your loan officer will usually pay it. Generally you won’t have to pay money to extend your lock. If your loan officer wants you to pay for a lock extension, be sure to ask a lot of questions.

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Loan Officers: Are You Bringing A Knife To A Gunfight?

by Justin McHood Mortgage Guidelines

If you are a loan officer, be sure to get direct investor pricing for the best deals for your clients and yourself. If you don’t have direct investor pricing, you are losing money.

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HVCC: Eyes Wide Shut

by Justin McHood Mortgage Guidelines

HVCC is now in force and many people don’t have very positive things to say about it. Here is a short video explaining what HVCC means and who is being impacted.

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Mortgages For Canadian Citizens: Now Available

by Justin McHood Arizona Home Financing Options

Mortgages for Canadian citizens are now available for second homes. 25% down payment and a full documentation loan with a 3 year prepay penalty.

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Fannie Mae HomeStyle Renovation Mortgage Program: An Investors Dream

by Justin McHood Arizona Home Financing Options

The Fannie Mae HomeStyle Renovation mortgage program is designed for investors who purchase a home owned by Fannie Mae that is in need of renovation.

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Home Path Mortgages: Great HomePath Mortgage Deals From Fannie Mae

by Justin McHood Arizona Home Financing Options

The Fannie Mae HomePath mortgage financing program allows people to finance their home when they buy it from Fannie Mae with very attractive financing terms. No appraisal and no mortgage insurance with only 3% down.

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Arizona FHA Loans: Maximum Cash Out Is Now 85% LTV For Arizona FHA Loans

by Justin McHood Arizona Home Financing Options

Arizona FHA mortgage guidelines have changed for the FHA 95% cash out program. For all Arizona FHA refinances that get cash out, the new maximum that you can get is 85% of the property’s value.

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