loan-to-value ratio (LTV) | firsttuesday Journal

In California, where down payments are highest, homeownership is lowest

by Carrie B. Reyes | Dec 21, 2020 | Bay Area, Economics, Mortgages, Real Estate | 0

Low loan-to-value ratios (LTVs) aren’t necessarily a good thing.

Freddie Mac loosens requirements for Home Possible Mortgage program

by Carrie B. Reyes | Sep 17, 2018 | Loan Products | 1

Freddie Mac is consolidating two mortgage programs and broadening mortgage access.

Low LTVs provide little motivation for California sellers

by Carrie B. Reyes | Sep 18, 2017 | Home Sales | 0

California has one of the lowest average loan-to-value ratios in the U.S.

New guidelines for sales of notes secured by real estate or a business opportunity

by ft Editorial Staff | Jun 27, 2016 | Investment, Laws and Regulations, New Laws, Real Estate | 0

Brokers selling notes secured by real estate or a business opportunity need to adhere to new investor questionnaire guidelines.

It’s official: high LTV ratio increases foreclosure risk

by Carrie B. Reyes | Feb 13, 2015 | Mortgages, Real Estate | 1

Our foreclosure problem runs deep.

Put back risk is huge for Big Banks – or is it?

by Carrie B. Reyes | Sep 5, 2012 | Finance, Reader Polls, Real Estate | 0

Why do you think Wells Fargo is taking so much of the mortgage market? They have the best customer...

Freddie allows low-loan-to-value (LTV) homeowners a chance to refinance

by Carrie B. Reyes | Aug 13, 2012 | Real Estate | 0

Do you have clients who would like to take advantage of today’s low interest rates by refinancing, but are unable to since they have more than 20% equity in their home? Good news! If their mortgage is owned by Freddie Mac, they...

Negative equity solved on demand

by Jeffery Marino | Jun 28, 2012 | Economics, Market Watch, Real Estate | 3

The big picture of negative equity in U.S. real estate is enough to make a grown broker cry, and...

Put away your put-backs, Frannie

by Carrie B. Reyes | May 22, 2012 | Real Estate | 2

Originating a home loan imposes a degree of risk on the lender, the stakes of which are made all...

BofA offers cramdowns with a twisted arm

by Sarah Cantino | May 14, 2012 | Reader Polls, Real Estate | 3

Do you think BofA’s cramdown offers are likely to extend beyond 200,000 to greater numbers of underwater California homeowners? No (70%, 52 Votes) Yes (30%, 22 Votes) Total Voters: 74 Bank of America (BofA) has begun offering...

Bankers, their crystal balls, future mortgage volume

by Carrie B. Reyes | May 9, 2012 | Interest Rates, Reader Polls, Real Estate | 1

What is your source for housing market forecasts? I formulate my own predictions. (34%, 18 Votes)...

HARP strikes back, but will lenders conform?

by Carrie B. Reyes | Apr 3, 2012 | Real Estate | 2

How many of your clients seeking to refinance will qualify for HARP 2.0? 10% or less (81%, 59...

Why Boomers will still retire after the boom

by Jeffery Marino | Dec 5, 2011 | Economics, Feature Articles, Finance, Real Estate | 1

This article argues that the diminished housing wealth of the Baby Boomer generation will not forestall their retirement-induced migration, and clarifies the nuances in the debate over Baby Boomer behavior in today’s real estate marketplace.

An FHA recipe for disaster

by Jeffery Marino | Nov 29, 2011 | Finance, Loan Products, Real Estate | 9

Congress has raised the jumbo limit for Federal Housing Administration (FHA) loans back to...

“Walking away” from the Great Recession

by Jeffery Marino | Nov 15, 2010 | Real Estate | 2

The “F” word has never been mentioned in the news as much as it has in recent months: foreclosure. News of foreclosure paperwork snafus and moratoriums have recharged concerns regarding the effect of foreclosures on the sluggish...