Articles

FHA Increases Minimum Required Credit Score Again

posted on January 1, 2011

(Originally published September 7, 2009.) The mortgage industry is continuing its evolution towards higher and higher credit requirements. This month, FHA announced it will require minimum credit …

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Mortgage Borrowers Getting Burned by Retail Banks

posted on January 1, 2011

(Originally published on August 27, 2009.) It’s been a hell of a year so far. We’ve seen lenders shut down, banks merging, and government takeovers. We’ve seen government mandates to lend…yet …

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New Government Regs Will Cause Delayed Closings and Broken Rate Locks – Unless You Heed My Advice.

posted on January 1, 2011

(Originally published July 12, 2009.) On July 30, 2009, the Mortgage Disclosure Improvement Act takes effect. MDIA was passed in 2008 as part of the Housing and Economic Recovery Act. MDIA affects …

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2009 is the Year of the First Time Buyer

posted on January 1, 2011

(Article originally published June 25, 2009.) Over the years, first time home buyers faced a plethora of challenges to overcome before owning a home. Today it’s a whole new world. 2009 is surely …

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Lenders Now Honoring 2009 Temporary Maximum Loan Limits

posted on January 1, 2011

(Article originally published May 24, 2009.) In an earlier article, I discussed how The American Recovery and Reinvestment Act, which passed in February 2009, had again increased mortgage loan …

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Controversy Rages Over New Appraisal Rules.

posted on January 1, 2011

(Article originally published May 22, 2009.) There’s huge controversy raging in the real estate industry over a mandate that took effect May 1, 2009. The Home Valuation Code of Conduct (HVCC) is …

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