The Borrower’s Debt-to-Income Ratio and Ability to Repay
Analyzing a borrower’s ability to pay by considering their willingness and capacity
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Tag: ability-to-repay
With the GSE Patch expiring in 2021, what will happen to the qualified mortgage rule?
The CFPB’s plans to let the GSE Patch expire, though they are considering a temporary extension.
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New laws to protect California home energy program users
Changes are ahead for California’s Property Assessed Clean Energy (PACE) program.
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Special provisions in a note
This article discusses the use of special note provisions to protect the mortgage holder while providing flexible repayment options to the borrower.
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5 mortgage market insights
We serve up 5 mortgage market must-knows.
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A progressive minimum wage for a progressive housing market
Are minimum wage workers destined to be renters? Will raising the minimum wage and tying it to inflation have any effect on the California real estate market?
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Financial literacy counts
Will widespread ignorance of personal finance mean the end of our real estate markets as we know them?
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Breaking news: Fannie Mae and Freddie Mac still not reformed
The Johnson-Crapo bill to wind down Fannie Mae and Freddie Mac is big news. But it may be much ado about nothing.
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Subprime mortgages making a come back
Just because subprime mortgages are back doesn’t make them a good idea.
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QM presents new challenges for the self-employed
Real estate agents are one of the biggest groups comprising the self-employed. How will they fare under the new ability-to-repay and qualified mortgage rules?
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A glance back and a glimpse of the future: first tuesday’s 2013 year in review
For our 2013 year in review, we look back over a year rife with risky speculation, serious price inflation, discontent with the trade unions and some robust of regulation.
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Ability-to-repay, qualified mortgage and qualified residential mortgage — oh my!
Ability-to-repay, qualified mortgage, qualified residential mortgage: are you lost yet? Read this article to get through the maze of new and proposed rules affecting residential mortgage lending.
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