Letter to the editor: How do I tell the difference between a business and consumer mortgage?
Knowing the difference between the two will help MLBs identify more streams of income during the recession.
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Category: Loan Products
Mortgage Concepts: HOEPA
This Mortgage Concepts video introduces the Home Ownership and Equity Protection Act by outlining its purpose and requirements.
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Mortgage Concepts: Section 32 restrictions, Part I
Click play to review the mortgage terms and features Regulation Z prohibits in Section 32 loans.
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Mortgage Concepts: Types of ARMs
This explainer video reviews common ARMs by surveying the types most popular during the Millennium Boom.
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As mortgage interest rates rise, concessions return
Buyers looking to recoup lost purchasing power are dusting off old strategies to secure a more comfortable monthly mortgage payment.
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Mortgage Concepts: Reverse mortgage obligations
This video breaks down the obligations reverse mortgage borrowers need to fulfill to avoid default.
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Offering mortgage points? There are better ways to catch a buyer
The insides and outs of mortgage points – and better ways to entice buyers in today’s rising interest rate market.
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ARM use ticks higher as buyers overreach
With falling home prices and rates continuing to rise, today’s ARM buyers are purchasing a ticking time bomb.
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Mortgage Concepts: The California Homeowner Bill of Rights
Learn how the HBOR guarantees homeowners a meaningful opportunity to keep their homes.
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Homebuyers turn to ARMs in 2022 as FRM rates jump
ARM rates remain below FRM rates – for now.
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MLO Mentor: The adjustable-rate mortgage, Part II
MLO Mentor is an ongoing series covering compliance best practices for mortgage loan originators...
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Fannie and Freddie unveil Underserved Markets Plans for California
With a recession looming, focus on underserved markets is critical.
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MLO Mentor: Section 35 loans, Part II
his article discusses the special appraisal rules applied to Section 35 loans.
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Rising rates bring back seller financing
As credit availability tightens thanks to rising interest rates, loan approvals become more elusive. But seller financing presents a back-door to homeownership.
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MLO Mentor: The MARS Rule
This article discusses the Mortgage Assistance Relief Services (MARS) rule
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MLO Mentor: The Home Mortgage Disclosure Act, Part II
This article discusses the different thresholds that trigger Home Mortgage Disclosure Act (HMDA) data collection and reporting.
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Mortgage Concepts: Common mortgage fraud schemes, Part 3
This video finishes our discussion regarding common mortgage fraud schemes mortgage loan originators are likely to encounter in their business.
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MLO Mentor: Appraisal independence
MLO Mentor is an ongoing series covering compliance best practices for mortgage loan originators...
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Mortgage Concepts: Common mortgage fraud schemes, Part 2
This video continues discussing common mortgage fraud schemes mortgage loan originators are likely to encounter in their business
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Mortgage Concepts: Common mortgage fraud schemes, Part 1
This video discusses common mortgage fraud schemes mortgage loan originators are likely to encounter in their business.
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