Debt-to-income ratio Equity Sales 
Housing Wire
NOVEMBER 1, 2024
According to Davis, rising home prices have led homeowners to tap into their equity for purposes such as debt consolidation , home renovation and student loan repayment. The Deephaven HELOC has a maximum loan size of $400,000 and a max loan-to-value (LTV) ratio of 85%. There’s more demand than supply,” he added.
Housing Wire
NOVEMBER 4, 2024
But for first-time and other cash-strapped buyers—those who are not relying on the proceeds of a home sale, who may be using a 100% financed VA loan, whose agents may be layering forms of assistance to put together enough cash for closing—knowing in advance about the seller’s contribution to their agent costs may be essential.
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Housing Wire
MAY 8, 2025
The modern LO routinely analyzes debt-to-income ratios in the context of retirement savings goals. Quarterly minimum guarantees, retention bonuses and equity participation opportunities have become important recruitment and retention tools as mortgage lenders compete for top talent.
Housing Wire
MARCH 20, 2025
Whatever that looks like, they’re kind of maxing out with the debt-to-income ratio. Financial factors, including mortgage rates and home equity , are the main drivers for around one-third of Gen X and Baby Boomers. They’re getting a loan. With the average U.S.
Housing Wire
FEBRUARY 28, 2024
Tom Davis, chief sales officer, Deephaven Mortgage Today’s market means that more borrowers have higher debt-to-income ratios, limited access to credit and are looking for alternative ways to get qualified for a mortgage. No traditional income analysis or employment information is required. trillion.
Housing Wire
MARCH 10, 2023
Stubborn inflation and high interest rates continue to wreak havoc on the mortgage-origination market, but there is one asset class in the housing market that is arguably flourishing in these hard times – home equity. They are saying, ‘Tell me what’s working, how can I stand a program up so I can capture some of this [home-equity] business.”
Housing Wire
MAY 4, 2022
Homes that reach the market sell quickly, bidding wars are the new normal and the investor share of sales continues to rise. The mortgage debt-to-income ratio is near a four-decade low and homeowner equity is at a historic high. The combination of these factors has some feeling 2008 déjà vu. Moderation, not bust.
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