Calculated Risk Real Estate

MARCH 14, 2025

Quarter-over-quarter, the total number of mortgage residential properties with negative equity increased by 9.3% of all mortgage properties … Negative equity peaked at 26% of mortgaged residential properties in Q4 2009 based on CoreLogic equity data analysis. million homes or 2% of all mortgaged properties.

Equity

AAOA

JANUARY 27, 2025

Be aware of the down payment requirements and interest rates of conventional, commercial, FHA and VA loans, as they may vary depending on the size of the property. It is extremely important for any residential investor to protect themself with high quality landlord insurance from a reputable company.

Property Management

Calculated Risk Real Estate

FEBRUARY 6, 2025

From the MBA: Mortgage Delinquencies Increase in the Fourth Quarter of 2024 The delinquency rate for mortgage loans on one-to-four-unit residential properties increased to a seasonally adjusted rate of 3.98 ” Added Walsh, “Government loans are also rolling to later stages of delinquency.

VA loan

Rochester Real Estate

NOVEMBER 5, 2015

Either way, it’s always wise to shop around and compare interest rates and just as importantly, compare how much in fees you might have to pay to get a particular loan. A government VA loan has excellent advantages with no down payment requirement, more flexible credit underwriting, and more flexible debt to income ratios.

Finance

Redfin

JULY 31, 2025

These require a higher credit score and must fall within conforming loan limits. FHA Loan: Designed for buyers with lower credit scores. down, but includes mortgage insurance for the life of the loan. VA Loan: Available to eligible veterans, active-duty service members, and family members. These require just 3.5%

Purchase and sale agreement

HomeLight

JULY 23, 2025

A good time to complete the State of South Carolina Residential Property Condition Disclosure Statement is before listing your home or requesting an offer. These are standards related to the overall condition of a property, which will play a role in the willingness and/or ability of a lender to finance a buyer’s loan.

As-is

HomeLight

APRIL 2, 2025

508D statute says, at 508D-4 and 508D-5 , that no one may sell residential real property without signing and dating a disclosure statement within the six months before or ten calendar days after accepting a prospective buyer’s real estate purchase offer. Hawaii Rev.

As-is

The Close

MAY 20, 2025

Loan terms: 15-30 year fixed rate Time to funding: Within 60 days Minimum credit score: 620 Visit Pennymac Conventional commercial mortgage loans SBA 504 SBA 7(a) SBA microloans Business loans and lines of credit Commercial mortgage loan terms: Loan amount: $250,000-$5 million Interest rates: As low as 4.5%

Loans

Housing Wire

FEBRUARY 27, 2025

But more recent data from the Mortgage Bankers Association showed that delinquency rates on all mortgaged residential properties (less than five units) rose to nearly 4% last year. And delinquencies are growing much more quickly in the government lending segment as Federal Housing Administration (FHA) loans and U.S.

Mortgages

Housing Wire

OCTOBER 17, 2024

In a new episode of the “Real Estate Insiders Unfiltered” podcast, hosts James Dwiggins and Keith Robinson sit down with Pete Mills — senior vice president of residential policy and industry engagement at the Mortgage Bankers Association (MBA) — to discuss the housing affordability crisis in today’s complex real estate market.

VA loan

Housing Wire

NOVEMBER 13, 2024

Government lending activity was another bright spot in the report as applications for Federal Housing Administration (FHA) loans increased their share to 16%, up from 15.5% Department of Veterans Affairs (VA) loans grew their share from 12.5% a week ago, while applications for U.S. during the week.

FHA loan

Housing Wire

DECEMBER 15, 2020

“November new home sales activity, both mortgage applications and home sales, ran at a pace considerably ahead of 2019, showing the ongoing strong growth in housing demand and new residential construction,” Kan said. The average loan size of new homes increased from $355,684 in October to $357,554 in November, according to the survey.

VA loan

Housing Wire

AUGUST 7, 2024

Refinance applications picked up as mortgage rates fell last week, but purchase loan activity had only a small gain, according to data released Wednesday by the Mortgage Bankers Association (MBA). The MBA’s survey — which covers 75% of all retail residential mortgage applications in the U.S. 2 compared to the previous week.

VA loan

Housing Wire

JANUARY 3, 2024

“The housing market has been hampered by a limited supply of homes for sale, but the recent strength in new residential construction will continue to help ease inventory shortages in the months to come,” Kan added. The share of Federal Housing Administration (FHA) loan activity decreased to 14.5% from 15% the week prior.

Mortgages

Housing Wire

OCTOBER 9, 2024

4, Federal Housing Administration (FHA) loans decreased by 40 bps and represented 16.2% Department of Veterans Affairs (VA) loans rose by 150 bps to account for 16.9% The average contract interest rate for 30-year fixed-rate loans with conforming balances ($766,550 or less) jumped from 6.14% to 6.36% during the week.

VA loan

Housing Wire

AUGUST 19, 2021

Delinquency rates for mortgage loans on one-to-four-unit residential properties shrank across the board to 5.47% in the second quarter, according to a Mortgage Bankers Association survey published this week. Compared to the previous quarter , the delinquency rate dropped 91 basis points and was down a whopping 275 bps from a year ago.

VA loan

Housing Wire

JULY 3, 2024

Refinance activity also remains subdued — although there was a slight increase in applications for conventional refinance loans.” The MBA’s survey — which covers 75% of all retail residential mortgage applications in the U.S. Federal Housing Administration (FHA) loans accounted for 13.1% of activity, unchanged during the week.

VA loan

Housing Wire

NOVEMBER 7, 2024

According to the MBA, the seasonally adjusted rate for residential property (one- to four-unit) delinquencies dropped to 3.92% at the end of September. Surveyed loan types include Federal Housing Administration (FHA) loans, U.S. Department of Veterans Affairs (VA) loans and conventional loans.

VA loan

Housing Wire

AUGUST 15, 2024

According to the Mortgage Bankers Association (MBA), the second-quarter 2024 delinquency rate for mortgages on one- to four-unit residential properties increased to 3.97% on a seasonally adjusted basis. Department of Veterans Affairs (VA) loans. higher relative to July 2023.

Mortgages

Housing Wire

SEPTEMBER 25, 2024

The MBA reported that the average loan size across all purchase and refi applications grew to $413,100, the highest figure in the history of the MBA’s dataset. Department of Veterans Affairs (VA) loans grew significantly, rising by 250 bps to a share of 18.3%. Demand for U.S.

FHA loan

Housing Wire

MAY 25, 2022

and the Veterans Affairs (VA) loans fell to 10.4% The survey, conducted since 1990, covers more than 75% of the retail residential mortgage applications. According to the MBA, both the adjustable-rate mortgage (ARM) share of activity dipped to 9.4% of total applications. from 11.1% the prior week. from the prior week. .

Fixed-rate mortgage

Housing Wire

MAY 6, 2024

HUD also seeks to transition away from the discontinued Fannie Mae Form 1009, the residential loan application for reverse mortgages, to Form 1003, the Uniform Residential Loan Application (URLA). Department of Veterans Affairs (VA) loans.

VA loan

Housing Wire

MARCH 29, 2024

HUD also seeks to transition away from the discontinued Fannie Mae Form 1009, the residential loan application for reverse mortgages, to Form 1003, the Uniform Residential Loan Application (URLA). Department of Veterans Affairs (VA) loans, the notice said.

Mortgages

Housing Wire

JUNE 1, 2022

the prior week, and the VA loan share dropped to 10.2% The survey, conducted since 1990, covers more than 75% of the retail residential mortgage applications. According to the MBA, the adjustable-rate mortgage (ARM) share of activity dipped to 8.7%, the FHA share of all applications fell to 10.8% from 11.3% from the prior week.

Fixed-rate mortgage

Housing Wire

JULY 17, 2024

In total, refinance loans accounted for 38.8% The MBA’s survey — which covers 75% of all retail residential mortgage applications in the U.S. Federal Housing Administration (FHA) loans accounted for 13.5% Department of Veterans Affairs (VA) loans saw their share increase to 15.2% of all applications, up from 34.9%

Mortgages

Housing Wire

OCTOBER 6, 2023

But people need homes,” said Kenny Deen, senior account executive at the independent mortgage banker and residential home lender Paramount Residential Mortgage Group. The lender, based in South Dakota, offers conventional, FHA and VA loan products, as well as bridge loans.

Mortgages

Housing Wire

FEBRUARY 16, 2023

The delinquency rate for mortgage loans on one- to four-unit residential properties rose 51 basis points from the previous quarter to a seasonally adjusted rate of 3.96% of all loans outstanding in the fourth quarter of 2022, according to the Mortgage Bankers Association (MBA).

Mortgages

Housing Wire

JULY 19, 2022

New residential construction and permitting activity weakened from March through May, which reduced the number of homes available for home buyers, according to survey results. The average loan size dropped to $426,966 in June from May’s $430,855, MBA said. Conventional loans accounted for 73.7% of loan applications.

Mortgages

Housing Wire

MARCH 16, 2022

Interest in residential mortgages fell 1.2% Purchase applications slightly increased, with both conventional and VA loan applications seeing gains,” said Kan. “The average purchase application loan size remained elevated at $453,200 – the second- highest amount in MBA’s survey.”. of total applications.

Fixed-rate mortgage

Housing Wire

JUNE 8, 2022

the prior week, and the Veterans Affairs (VA) loan share climbed to 11.4% The survey, conducted since 1990, covers more than 75% of the retail residential mortgage applications. The Federal Housing Administration (FHA) share of all applications rose to 11.3% from 10.8% from 10.2% a week earlier. from the prior week.

Fixed-rate mortgage

Housing Wire

MARCH 21, 2022

However, RESPA applies to a construction-to-permanent loan inside one bundle. Loan for vacant land. When a loan is offered to buy land that will not be used to build a covered residential framework, RESPA doesn’t have to look into the loan. Loans for large land parcels.

Agents

Housing Wire

MAY 4, 2022

from the prior week, fueled by increased conventional, Federal Housing Administration (FHA) and Veterans Affairs (VA) loan-application volume. a week earlier, and the share of VA applications rose slightly to 10.3% The survey, conducted since 1990, covers over 75% of the retail residential mortgage applications.

Fixed-rate mortgage

Housing Wire

JUNE 5, 2025

Afordal solves one of the biggest pain points in residential real estate; aligning what homebuyers want with what they can afford, said Brad Springer, co-president of RatePlug. They can also determine their eligibility for government financing programs such FHA and VA loans, or other low- or zero-down payment loans.

VA loan

Housing Wire

DECEMBER 3, 2020

Proposition 19 eliminated the ability of homeowners to transfer primary residential properties to their children or grandchildren without the property’s tax assessment resetting to market value if the property is being used as a rental house or second home.

VA loan

Housing Wire

NOVEMBER 4, 2020

VA-based programs had the lowest-risk applications, CoreLogic found. According to Berg, this is because VA loans are restricted to a select group of borrowers and, with the exception of certain refinances, they are for personal occupancy. This makes identity issues and straw buyer situations rare,” she said.

Mortgages

Housing Wire

FEBRUARY 7, 2023

.” CMS said that in the case of an FHA loan being assumed at the company, CMS offers a simultaneous second lien to the qualifying buyer for an amount up to 80% of the determined property value. It cannot be used by the veteran to purchase another property until the assumed loan is paid in full. .

FHA loan

Housing Wire

AUGUST 26, 2024

Not only do EPO penalties hit the company, but that transfers that right to the LO and claws back their commission,” said Michael Clark, vice president of Primary Residential Mortgage Inc. “There’s nothing more demotivating than EPOs. I’m seeing it already. I’m seeing it in the pricing,” Clark said.

Purchase and sale agreement