Housing Wire

DECEMBER 30, 2024

New relationships are forming between insurers seeking long-term debt investments and managers specializing in origination, securitization, and sale of mortgage -backed securities. Historically, life insurance companies shied away from investing in residential mortgages. mortgages in 2020 to 5% in 2024 (Scotsman Guide).

Banks

Housing Wire

APRIL 1, 2025

We have completed a thorough due diligence process and look forward to welcoming HomeStreets clients and employees to our company. This transaction is strategically and financially compelling for shareholders of both Mechanics Bank and HomeStreet, said C.J. Johnson, CEO and president of Mechanics Bank.

Banks

Housing Wire

MAY 19, 2025

Non-QM (Non-Qualified Mortgage) lending has become essential to todays mortgage landscape, providing solutions for creditworthy borrowers who fall outside traditional lending criteria. HW: How closely are the Non-QM and traditional QM mortgage markets connected? Regarding rates, they will eventually come down.

Lending

The Close

NOVEMBER 7, 2024

Do your due diligence on the property, and show up ready to bid. Visit Zillow Step 4: Evaluate Potential Properties Once you’ve spotted potential real estate investment properties, you must dig into the details before moving (aka due diligence). If you flip the property, you can pay them from the proceeds.

Hard money loan

Marco Santarelli

MAY 3, 2025

Are you thinking about buying a home, or perhaps refinancing your current mortgage? The news you've been waiting for is here: mortgage rates are continuing their downward trend. As of May 1, 2025, the 30-year fixed-rate mortgage has dipped to 6.76% , a welcome change compared to the earlier part of the year. mortgage rates.

Debt-to-income ratio

Marco Santarelli

NOVEMBER 23, 2024

Market Research and Due Diligence: The real estate market is dynamic and constantly changing. Conducting due diligence is essential before committing to a purchase. Refinance: After the property is rented and stabilized, refinance the mortgage to pull out the equity you've built.

Hard money loan

Redfin

MAY 28, 2025

HOA fees are usually paid separately from your mortgage. Depending on your HOA’s schedule, fees are due monthly, quarterly, or annually. If you believe an increase in HOA dues or specific fees is unjustified or doesn’t align with the HOA’s governing documents, you can challenge it. Which one is better?

Due diligence

Redfin

JULY 8, 2025

Key takeaways: Preforeclosure is the period after missed mortgage payments but before formal foreclosure. Buying a preforeclosed home can offer opportunities but requires careful due diligence. When a homeowner struggles to make mortgage payments, their home enters a stage called preforeclosure. What is a preforeclosure?

Purchase and sale agreement

Redfin

JULY 30, 2025

Key takeaways: A cash offer on a house means the buyer pays the full purchase price upfront without relying on mortgage financing. A cash offer simply refers to a situation where a buyer pays the entire purchase price upfront, without using a mortgage or other loan. What is a cash offer?

Purchase and sale agreement

Marco Santarelli

APRIL 19, 2025

The pandemic-era housing boom sent prices soaring by over 40%, and then mortgage rates doubled in 2022. Digging Deeper: Affordability and Its Grip on the Market Think about it: even with mortgage rates leveling off somewhat recently, they're still significantly higher than they were just a few years ago.

Marketing

Marco Santarelli

APRIL 4, 2025

Right now, there's a lot of talk about new tariffs, and while my initial reaction might be to worry about higher prices, there's a chance these tariffs could actually push mortgage rates down. Could New Tariffs Actually Lead to Lower Mortgage Rates? And as the 10-year Treasury yield falls, so too can mortgage rates.

Mortgages

AAOA

JULY 21, 2025

Careful due diligence should give you a pretty good idea of the costs you’ll face, but you can always get hit with surprises. According to one recent study, the average homeowner spends $24,529 on their property each year, above and beyond their mortgage payments. Can you refinance your mortgage to a lower interest rate?

Due diligence

AAOA

JANUARY 27, 2025

Taking your time and doing your due diligence when considering a particular investment property will always be a crucial step. Your rental income, operating costs and the amount of your mortgage loan are factors that influence your ROI. Or are you an old pro adding another investment property to your real estate portfolio?

Property Management

Redfin

JANUARY 28, 2025

When it comes to buying a home, most buyers are familiar with securing a brand-new mortgage. Assumable mortgages offer a unique alternative, allowing buyers to take over the sellers existing loan – potentially locking in a lower interest rate and saving money over time. What is an assumable mortgage?

Loans

AAOA

MAY 22, 2025

DSCR (Debt Service Coverage Ratio) (can the income cover the mortgage comfortably?) Negotiate with clarity, be firm but respectful, and always leave room for due diligence to confirm your assumptions. Step 5: Conduct Due Diligence This is your opportunity to verify everything the seller claimed.

Due diligence

AAOA

AUGUST 4, 2025

Lender or Mortgage Broker: Select professionals experienced with out of state borrowers. A Step by Step Due Diligence Checklist Below is the exact sequence my team uses whenever we evaluate a distance deal. Click here to download full due diligence checklist. Verify online reviews and secret shop current clients.

Marketing

Hank Miller Team

DECEMBER 3, 2024

The time to do this is during due diligence, complaining after the fact is absurd. Buyers, especially in attached homes, should also understand that these fees will have a direct impact on their mortgage, they are considered a debt. Fees are always subject to change, usually increases.

Homeowner’s association

Rochester Real Estate

NOVEMBER 5, 2015

Buyers must perform less real estate due diligence in areas where disclosures have been presented. At the same time, buyers should exercise due diligence to understand the property’s condition before finalizing the purchase. (585) 704-7095 Contact Now Search Homes Home Fair Housing S.O.P.

Seller disclosure

Redfin

JUNE 17, 2025

This delay is the result of the due diligence period, where the buyer will conduct inspections and other research before actually signing any papers. What to remember: After accepting an offer, the deal enters the due diligence period, where certain inspections and investigations are conducted before finalizing the sale.

Closing

Marco Santarelli

APRIL 9, 2025

Thorough research and due diligence are essential when exploring emerging markets. Due to new tariffs on imported materials, their business is struggling. They are behind on mortgage payments and worried about foreclosure. Explore Emerging Markets: Consider investing in emerging markets or up-and-coming neighborhoods.

Due diligence

Redfin

JUNE 5, 2025

The absence of mortgage payments, the speed of closing, and the strong appeal to sellers are undeniable benefits. It doesn’t matter if you’re getting a mortgage for your place in Austin, TX , or making an all-cash offer on a townhouse in Charlotte, NC — knowing all the transaction costs upfront is super important.

Closing costs

The Close

MARCH 11, 2025

It’s also essential to verify all information provided by the homeowner with proper due diligence to ensure your investment decision is well-informed and data-backed. Various financing options exist for FSBO properties, like traditional mortgages, hard money loans, and private investors.

Sales

Rochester Real Estate

NOVEMBER 5, 2015

It takes a lot of due diligence to make sure you’re going to be happy when you choose to live. (585) 704-7095 Contact Now Search Homes Home Fair Housing S.O.P. Once you have moved in, it isn’t time to relax just yet; you have a housewarming party to organize! It will be worth your time when all is said and done.

Staging

Marco Santarelli

MAY 24, 2025

We saw a brief spark of hope in spring (around March of the previous year from the report's perspective, so March 2024) when lower mortgage rates led to a jump in pending sales about 12% more than the year before. Mortgage Rates: While rates dipped briefly, they've remained relatively high. A pre-approval for a mortgage is a must.

Marketing

Marco Santarelli

JULY 5, 2025

decrease in home values, mainly due to an increase in the number of houses available for sale. With higher mortgage rates and worries about job security, some potential buyers are hesitant, which increases the pressure on prices. Here are a few crucial things to keep in mind: Due Diligence: Don't rely solely on forecasts.

Marketing

Rochester Real Estate

NOVEMBER 5, 2015

Due Diligence For Their Clients Real estate lawyers conduct extensive due diligence on behalf of their clients to uncover any potential issues or risks associated with a property. Additionally, they conduct thorough due diligence to uncover any issues with the property’s title, contracts, or legal obligations.

Purchase and sale agreement

Marco Santarelli

JUNE 26, 2025

Looking for the best deal on a mortgage? Today, June 26, 2025, the states boasting the lowest average 30-year mortgage rates for new purchases are New York, Colorado, Connecticut, California, Massachusetts, New Jersey, Florida, Idaho, Utah, and Virginia , with rates hovering between 6.69% and 6.80%.

Mortgages

Marco Santarelli

MARCH 18, 2025

However, you also need to be aware of the risks and do your due diligence. It might mean less competition, more negotiating power, and potentially the chance to buy at a more reasonable price than you would have just a year or two ago. Factor in insurance costs, property taxes, and the potential for further price softening.

Marketing

Redfin

MARCH 4, 2025

Mortgage rates for a condo tend to be higher than rates for a single-family home. Another point to consider about the pros and cons of buying a condo is that many of the drawbacks of condo ownership can be mitigated or avoided by performing due diligence before buying. Condos often take longer to sell.

Due diligence

Marco Santarelli

MAY 12, 2025

Mortgage Rate Mayhem: Remember those super-low mortgage rates during the pandemic? A crash is a rapid, steep, and often unexpected drop in prices, usually across the board, driven by panic and severe economic issues (like the subprime mortgage crisis). My advice: Get pre-approved for a mortgage so you know your budget.

Marketing

The Living Room

AUGUST 1, 2025

Are you diving into the world of real estate investment? If so, understanding the crucial difference between capital expenditures (CapEx) and maintenance is key to your success. In this comprehensive guide, we’ll break down these terms, show you how to calculate them, and teach you how to forecast them when analyzing potential deals.

Renovation

Marco Santarelli

MAY 14, 2025

Due Diligence is Key: Scrutinize the local job market, understand why prices are falling, and get a thorough home inspection. If you love your home and your mortgage is manageable, these fluctuations are part of long-term homeownership. Inventory Levels: Is the number of homes for sale rising rapidly?

Marketing

Rochester Real Estate

NOVEMBER 5, 2015

” When buying a home under these circumstances, proper due diligence is crucial. Since being launched in 2013, Kyle has published more than 150 quality, in-depth, and unique real estate related articles on the Rochester Real Estate Blog pertaining to topics varying from home selling to mortgages and everything in between!

Inspection

Marco Santarelli

JUNE 19, 2025

This slowdown is attributed to several factors, including: Lingering tariff wars Ongoing economic uncertainty Elevated mortgage interest rates These have undermined buyer confidence and dampened overall demand. Get pre-approved for a mortgage, work with an experienced real estate agent, and do your due diligence.

Sales

Redfin

JULY 30, 2025

Get pre-approved for a mortgage and have cash ready One of the biggest signals to sellers that you’re serious is a mortgage pre-approval letter. Without a clear plan in place, you risk overcommitting yourself or falling in love with a home that stretches your finances too thin. What not to do when making an offer on a house?

Earnest money deposit

AAOA

JULY 21, 2025

But with home prices staying high and mortgage rates making traditional rentals harder to cash flow , rookie investors are starting to look at an overlooked opportunity: mobile homes. Extra due diligence is required Mobile homes come with their own unique paperwork and regulations.

Due diligence

Redfin

JULY 21, 2025

Even though you’re planning on fixing things up, you’ll still need to do your due diligence to be sure a house is the right fit for your situation. Some types of fixer-upper loans allow you to combine the home’s price and renovation costs into one mortgage. >>A Can I get a mortgage on a fixer-upper?

Renovation