Housing Wire

JANUARY 30, 2025

We’re looking at product expansions and introducing products that we have or through our sister company Anchor Home Loans , which specializes in residential transition loans (RTLs). If you’re a loan officer, you should have a construction product that focuses on builders, developers and Realtors.

New Construction

Housing Wire

FEBRUARY 20, 2025

Digital homeownership company Better.com on Thursday announced a record 400% growth in its home equity line of credit ( HELOC ) and home equity loan businesses. of mortgaged residential properties in the U.S. So, that’s why we launched the HELOC product,” Garg explained. ” How is it so fast? .

Equity

Housing Wire

AUGUST 5, 2025

has closed a deal to acquire $1 billion in home improvement loans through a one-year flow agreement with fintech company Upgrade , the companies announced on Tuesday. trillion in tappable equity while maintaining an average 20% equity cushion — an attractive backdrop for second-lien products. Rithm Capital Corp.

Loans

Housing Wire

NOVEMBER 4, 2024

“Morningstar DBRS previously confirmed its MOR RVO2 residential reverse mortgage originator ranking for FAR,” the company said. The company also mentioned the distribution channels for its reverse mortgage products, including Home Equity Conversion Mortgages (HECMs) as well as its proprietary HomeSafe loans.

Loans

Housing Wire

MAY 12, 2025

Home Equity Investment (HEI) is a relatively new option for private equity real estate investors, and one that carries significant promise. Unlike a loan, there are no monthly payments or interest. Theres a supply of billions of dollars in home equity that wants to be tapped. Theres this tremendous demand for HEIs.

Equity

Housing Wire

JANUARY 30, 2025

home equity based on different estimates its easy to see the potential impact that such a large cohort has on a variety of different businesses, including home inspections. We tell all of our franchise owners not to forget about banks, lenders and loan originators, he said.

Inspection

Housing Wire

DECEMBER 30, 2024

Non-QM loans are utilized primarily by entrepreneurs and other self-employed individuals who dont have the necessary documentation to qualify for Freddie and Fannies conventional mortgages. Non-QMs are attractive because they have strong credit quality, low loan-to-value ratios, and stable origination volumes.

Banks

Housing Wire

NOVEMBER 1, 2024

That way, when a loan officer is looking at a solution for a customer, they can look at both a traditional mortgage and a reverse mortgage together. Now, they’re looking at creating a dataset based on what’s called iLAD, or the industry loan application dataset. Lenders are very specialized in that space.

Mortgages

Housing Wire

JULY 31, 2025

At the start of June, global asset management firm Barings announced a partnership with Crebrid , a fintech-driven lending platform specializing in residential transition loans (RTLs). The deal includes a $500 million purchase facility and a minority equity investment from Barings investors.

Lending

Housing Wire

MARCH 17, 2025

Among the provisions of the new bill, the relevant section stipulates that [a] foreclosure prevention fee of $80 shall be assessed for each residential mortgage loan originated, excepting only reverse mortgage loans issued to seniors over the age of 61, it says.

Mortgages

Real Estate News

JULY 18, 2025

Skip to Content Agents Brokerages MLS/Assn Tech Industry By the Numbers Consumer Illustration by Lanette Behiry/Real Estate News Industry Homeownership education needs a reboot — and a new messenger Loan officers and financial advisors need to meet aspiring buyers where they are as many increasingly turn to social media for home financing advice.

Loan Officer

The Close

NOVEMBER 7, 2024

years on a residential investment or 39 years on commercial property, I’m subject to paying the depreciation recapture. Cash on hand lets you move quickly without worrying about loan or mortgage interest charges. Conventional loans: These can be obtained from a credit union or a bank.

Hard money loan

AAOA

JUNE 12, 2025

If you’ve ever wondered, “Is multifamily considered commercial or residential?” What Counts as Residential vs. Commercial Real Estate? Why This Classification Matters to You as an Investor The second a property crosses the 5-unit threshold, it no longer plays by residential rules. you’re not alone. Managing a duplex?

Commercial

The Close

NOVEMBER 26, 2024

Lenders prefer to see fully stabilized properties when you’re looking for home equity loans or lines of credit. When considering multiple rental properties, prioritize positive cash flow over equity and appreciation since those can change significantly. These loans can have rates from 12% to 18% but can be funded in 15 days.

Finance

RIS Media

MAY 9, 2025

Home Equity & Underwater Report, while 46.2% of mortgaged residential properties in the country were considered equity-rich in the first quarter of the yeardown from 47.7% According to ATTOM Datas first quarter 2025 U.S.

Equity

Calculated Risk Real Estate

MARCH 14, 2025

This entire housing cycle I’ve argued that we would NOT see a surge in foreclosures that would significantly impact house prices (as happened following the housing bubble) for two key reasons: 1) mortgage lending has been solid, and 2) most homeowners have substantial equity in their homes. Nationwide, borrower equity increased by $281.9

Equity

Calculated Risk Real Estate

JUNE 4, 2025

We will NOT see a surge in foreclosures that would significantly impact house prices (as happened following the housing bubble) for two key reasons: 1) mortgage lending has been solid, and 2) most homeowners have substantial equity in their homes. The percent of loans in the foreclosure process increased year-over-year from 0.46

Equity

BAM Media

JULY 16, 2025

Home Equity & Underwater Report shows that 46.2% of mortgaged homes are equity-rich, down from 47.7% homes with equity-rich mortgages declined quarter over quarter for the second straight time. But despite the dip, nearly half of all mortgaged properties across the country still have homeowners sitting on serious equity.

Equity

The Close

NOVEMBER 25, 2024

Simply put, it’s a residential building with more than one unit designed to house multiple families. Multifamily mortgage loans typically require 20% of the property price for a down payment, and there are inevitable maintenance and property management costs. What Is Multifamily Property?

Purchase and sale agreement

Seattle Times Real Estate

JUNE 16, 2025

Since late last year, 19 of Selig’s roughly 30 downtown buildings have been put under outside management or turned over to lenders after pandemic-related vacancies left the 88-year-old developer unable to cover more than $850 million in loans. That loan also shows how COVID-19 hammered the market value of office buildings.

Commercial

The Close

NOVEMBER 12, 2024

Inexpensive entry: Vacant land can be affordable to buy, and if you wait for it to appreciate, you can build equity. If you’re looking to sell individual residential lots or create a subdivision, you’ll want to find land in a residential area that’s properly zoned (we’ll talk about zoning soon).

Land

The Close

APRIL 3, 2025

When you need to finance a house flip, you need a loan that offers a repayment term that fits your project timeline, can close quickly, and, of course, doesnt have unrealistic eligibility requirements. Unlike most types of fix and flip loans, it has no application fee, doesnt require an appraisal, and doesnt require income verification.

Loans

AAOA

MAY 22, 2025

When too many units sit empty, securing favorable loans becomes a challenge, limiting your ability to grow or stabilize your investment. Get a Free Multifamily Loan Quote Access Non-Recourse, 10+ Year Fixed, 30-Year Amortization GET A FREE QUOTE How Do High Vacancy Rates Impact the Financing of Multifamily Properties? Census Bureau.

Finance

AAOA

JUNE 9, 2025

Pick Your Lane: Residential or Commercial 2–4 units (residential) → House‑hack with 3.5 %‑down FHA loans and 30‑year fixed rates. Improve operations, force appreciation, and refinance equity out. Get a Free Multifamily Loan Quote Access Non-Recourse, 10+ Year Fixed, 30-Year Amortization GET A FREE QUOTE 4.

FHA loan

The Close

MAY 20, 2025

An investment property loan is any type of financing you use to buy or refinance a property that generates income, like a rental property (single-family home or a multifamily property) or a commercial property. million Interest rates: Starting at 6.5% million Interest rates: Starting at 6.5% million Interest rates: Starting at 6.5%

Loans

The Close

DECEMBER 18, 2024

Youll also learn about mortgage underwriting, analysis, loan management, and securitization. If you want to own physical properties, residential properties are the best entry-level real estate investment. Gain insights via walkthroughs and lessons on property rehab. Youll learn very quickly with hands-on experience!

Commercial

Redfin

JULY 31, 2025

State and local programs: Cities and states may offer down payment assistance, forgivable loans, or closing cost help. Federal loan options: Government-backed loans like FHA, VA, and USDA loans are popular among first-time buyers, offering flexible credit and down payment requirements. These require just 3.5%

Purchase and sale agreement

The Close

MARCH 11, 2025

Various financing options exist for FSBO properties, like traditional mortgages, hard money loans, and private investors. Options for short-term FSBO financing include: Hard money loans: These loans are tailored to investors to help facilitate the purchase of properties with the intent for immediate resale or eventual refinancing.

Sales

Housing Wire

JANUARY 27, 2025

The Consumer Financial Protection Bureau (CFPB) this month published an issue spotlight that takes a closer look at home equity contracts, or what the industry refers to as home equity investments (HEIs) that offer a lump sum payment to clients in exchange for a stake in their home equity.

Equity

AAOA

APRIL 7, 2025

And the construction pipeline has slimmed down significantly since the glory days of cheap money, when it was easier for developers to secure loans for new projects. Apartment supply boomed over the past few years, but demand kept pace there’s no glut of empty units.

Construction

The Close

JULY 24, 2025

No single number fits every market, but industry consensus puts a “healthy” vacancy rate for residential rentals between 5% and 8%. Consistently low vacancy rates translate to lower risk profiles, which can unlock better loan terms or attract joint-venture equity. Risk management: Lenders and partners scrutinize vacancy closely.

Investor

Marco Santarelli

APRIL 27, 2025

Now, imagine you have the resources to just walk in, pick your spot, and pay for it right there and then, without needing a loan. The financed offer comes with contingencies (like getting the loan approved, the house appraising high enough). You control your equity 100% from day one. That's the power of buying a house with cash.

Finance

AAOA

MARCH 24, 2025

A multifamily unit refers to any property with more than one residential unit. The appreciation that the property witnesses over time can help leverage your equity to invest in other properties. Understanding how to select the right loan type and what it takes to make a compelling offer on a property is crucial.

Property Management

Redfin

FEBRUARY 24, 2025

Financing and closing costs: If you’re financing the land purchase or construction, anticipate paying 2% to 5% of the loan amount in closing costs. Ryan Bock, Certified Residential Appraiser, Bock Appraisal Services “Choosing between buying and building a home comes down to financial readiness, timeline, and long-term goals.

Debt-to-income ratio

Redfin

MARCH 4, 2025

This ensures that the homes value is equal to or more than the mortgage loan amount. If the appraiser can’t get access to the property, it can delay the home loan process. Uniform Residential Appraisal Report (URAR): Shortened to URAR, this is the most common type of appraisal – and one lenders request.

FHA loan

Redfin

JULY 28, 2025

In fact, the cost to install a residential solar system has dropped by nearly $15,000 over the past two decades. Luckily, most homeowners can qualify for the federal Residential Clean Energy Credit , which knocks 30% off the cost , bringing the average down to around $20,552. is around $29,360 before any incentives.

Purchase and sale agreement

Housing Wire

APRIL 2, 2025

The newest data on outstanding residential mortgages has been released via the Federal Housing Finance Agency (FHFA)’s National Mortgage Database. After many years of consistent home-price appreciation , the average loan-to-value (LTV) ratio across all outstanding mortgages in the U.S. of borrowers have negative equity.

Mortgages