The Mortgage Process: What You Need to Know

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80% Of Renters Believe Homeownership Is A Part Of Their American Dream

According to the latest Aspiring Home Buyers Profile by the National Association of Realtors (NAR), 82% of surveyed renters desire to own a home in the future, with 80% believing homeownership is a big part of achieving their American Dream.

The profile went on to state that 50% of millennials believe that their rent will increase, with 20% believing that an increase in rent will be the catalyst that pushes them to consider buying a home vs. renewing their lease.

So, what is holding renters back?

What would make renters take the plunge?

NAR’s Chief Economist, Lawrence Yun believes that,

“Housing demand in 2018 will be fueled by more millennials finally deciding to marry and have kids and the expectations that solid job growth and the strengthening economy will push incomes higher.”

Yun goes on to warn that,

“However, with prices and mortgage rates also expected to increase, affordability pressures will persist. That is why it is critical for much of the country to start seeing a significant hike in new and existing housing supply. Otherwise, many would-be first-time buyers will be forced to continue renting and not reach their dream of being a homeowner.”

Bottom Line

If you are one of the many homeowners whose houses no longer fit their needs and are looking to move up to your dream home, now is a great time to list your starter home! First-time buyers are out in force looking to achieve their American Dream.

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6900 Dallas Parkway #610
Plano, TX 75024

M: 214-435-8825 | F: 972-696-7810

NMLS# 375517 | Company NMLS # 3274

Equal Housing Lender

Home prices still rising, bad news for first-timers

Home prices were up again in July but the continued rise in values is further impacting potential first-time buyers.

The newly-released S&P CoreLogic Case-Shiller HPIs show a rise of 5.9% year-over-year for the nationwide index covering all nine census areas, up from 5.8% in June; a 5.2% rise for the 10-city composite (up from 4.9%); and a 5.8% rise for the 20-city composite (up from 5.6%).

“While the gains in home prices in recent months have been in the Pacific Northwest, the leadership continues to shift among regions and cities across the country. Dallas and Denver are also experiencing rapid price growth. Las Vegas, one of the hardest hit cities in the housing collapse, saw the third fastest increase in the year through July 2017,” said David M. Blitzer, Managing Director and Chairman of the Index Committee at S&P Dow Jones Indices.

Meanwhile, first-time buyers are being increasingly priced-out of the housing market.

Unsustainable price gains for entry-level homes are exacerbating affordability for potential new entrants to the market, according to Nationwide’s Health of Housing Markets report.

“The U.S. housing market is, overall, healthy and maintains a positive outlook,” said David Berson, Nationwide senior vice president and chief economist. “However, we can’t ignore that price gains are weighing on affordability, and it’s worth keeping an eye on how the price environment will impact those looking to purchase a home for the first time.”

The lowest-tier homes have seen an escalation in average price of 56% in the last five years while the top tier has gained just 33%. Gaps like this were also seen in the period 1987-2005 followed by a slowdown, but Berson is not concerned about a repeat.

“The lending environment today is very different than in both those times. Lenders are more cautious today, likely because they have changed lending practices since the housing market crash. Consumers are in more solid financial standing today, too, as they are less levered overall.”

While affordability is a growing concern, Berson says that demand is not being weakened but that inventory continues to be a challenge for the housing market.

by Steve Randall 27 Sep 2017 MPA Mortgage Professional America
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885 E Collins Blvd Ste 110
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Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

Your Tax Refund = Your Down Payment on a New Home

This time of year, many people eagerly check their mailboxes looking for their tax return check from the IRS. But, what do most people plan to do with the money? GO Banking Rates recently surveyed Americans and asked the question – “What do you plan on doing with your tax refund?” The results of the survey were interesting. Here is what they plan to do with their money:

41% – Put it into savings
38% – Pay off debt
11% – Go on a vacation
5% – Make a major purchase (car, home, etc.)
5% – Splurge on a purchase

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Upon seeing the research, The National Association of Realtors (NAR) wondered if this could help with a constant challenge cited by many people who wish to purchase a home – saving for the down payment. In a recent post in NAR’s Economists’ Outlook Blog, they explained:

“With a sizable tax refund, the average American would have a decent down payment depending on which region or market you live in.”

They went on to add:

“[A]pproximately 5 percent of all respondents indicated they would make a major purchase which does not seem like a lot. However, there is a bigger group 41 percent who see saving the tax return is best and that group could be potential homebuyers if they are not already.”

In other words, putting that money toward purchasing a home is a form of savings.

Bottom Line

When one considers that first-time home buyers in 2016 had an average down payment of 6%, a decent tax return could go a long way toward the necessary funds needed for a down payment on a house. Or perhaps, the down payment needed by a son or daughter to make their homeownership dream a reality. How are you going to spend your refund?

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885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

The Impact of Homeownership on Educational Achievement

The National Association of Realtors recently released a study titled ‘Social Benefits of Homeownership and Stable Housing.’ The study confirmed a long-standing belief of most Americans:

“Owning a home embodies the promise of individual autonomy and is the aspiration of most American households. Homeownership allows households to accumulate wealth and social status, and is the basis for a number of positive social, economic, family and civic outcomes.”

Today, we want to cover the section of the report that quoted several studies concentrating on the impact homeownership has on educational achievement. Here are some of the major findings on this issue revealed in the report:

The decision to stay in school by teenage students is higher for those raised by home-owning parents compared to those in renter households.
Parental homeownership in low-income neighborhoods has a positive impact on high school graduation.
Though homeownership raises educational outcomes for children, neighborhood stability may have further enhanced the positive outcome.
Children of homeowners tend to have higher levels of achievement in math and reading and fewer behavioral problems.
Educational opportunities are more prevalent in neighborhoods with high rates of homeownership and community involvement.
The average child of homeowners is significantly more likely to achieve a higher level of education and, thereby, a higher level of earnings.

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My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

Misconceptions on Student Loan repayments are hurting home buyers while qualifying… We have some Solutions…

FHA, VA & FNMA have all changed policies regarding student loan repayments and for some with large amounts of educational debt, it has limited or made it impossible for them to qualify to purchase a home.

We have identified a few solutions to help these buyers that may have been flatly rejected by other lenders or banks. Give us a call and we can help!

MGIC Mortgage Insurance recently published this great article —

Why It’s Okay to Have Student Loan Debt

by Vance Edwards, CMB | Sep 15, 2016 | 1 comment

Click Here to read the rest of the Article

Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.”

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Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

Big Banks Have Nearly Abandoned the FHA Market

By Brian Collins June 27, 2016
National Mortgage News

Big banks have drastically reduced their share of the Federal Housing Administration market, a massive shift that has big implications, according to new analysis by the American Enterprise Institute.

Large banks — which had a 60% share of FHA refinancings in late 2013 — had a 6% share as of May 31, according to Stephen Oliner, a resident scholar at AEI. Nonbank lenders currently originate 90% of FHA-insured refinancings, according to new data released by the group.

Large banks also had a 65% share of the FHA purchase market in 2012, which is now down to 20%, according to AEI.

“The shift away from large banks to nonbanks has been truly massive,” Oliner said.

The recent drop in interest rates is expected to spur another surge in refinancings due to Britain’s unexpected decision to leave the European Union.

But the large banks have decided that refinancing FHA loans is “not a good business” due to the regulatory environment and litigation risk, Oliner said.

“They are getting out,” he said, noting that many FHA lenders have been sued under the False Claims Act and had to pay huge fines to the Justice Department.

Banks also don’t get Community Reinvestment Act credit for refinancings. “So this is pretty much a lose-lose business for them,” Oliner said.

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American Dream of Homeownership Still Very Much Alive

In a recent post, Trulia examined whether homeownership was again being seen by adults in the US as a “part of their personal American Dream.” Over the last five years:

The percentage of U.S. adults who believe homeownership is part of their American Dream increased from 70% to 75%
The percentage of 18-34 Year-olds who believe homeownership is part of their American Dream increased from 65% to 80%

Here is a graph of the survey over the last five years:

Bottom Line

As the housing industry recovers from the crisis of 2008-2010, Americans belief in homeownership as part of their own personal American Dream has also made a strong comeback.

Buying a home is now easier than it has been in years.

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885 E. Collins Blvd. Suite 110
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Be VERY careful when asked to Co-Sign

Co-Signing Student Loans, Car Payments or Credit Cards for your children or family could be the worst decision of your life.

It seems fairly innocuous; a friend or family member wants you to co-sign on a loan because they don’t qualify. They assure that they’ll make the payments; they’re quite convincing and very appreciative. You don’t want to disappoint them and after all, it’s not like it’s going to cost you anything…is it?

Think of it this way. They couldn’t get a loan unless you co-sign for them. If they don’t make the payments, the lender is going to look to you to repay the loan plus late and collection fees. The lender may be able to sue you, file a lien on your home or garnish your wages.

And it’s not just money that you could be losing, it could be your credit too. Co-signing a loan is a contingent liability that could affect your debt-to-income ratio and limit your ability to borrow or the amount you can borrow. Unless you can provide 12 months cancelled checks showing them, not you made the payments from a bank account that does not have your name on it, that payment is counted in your qualifying ratios.

Many creditors do not notify the co-signer the payments are running late until they are in default and it’s too late. You credit score can drop 100 points or more.

Co-signing is an obligation to repay the debt if the other signer is unable. You could be out the money and unable to recoup the loss because you don’t have control of the asset. The impact on your credit could take years to recover.

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Betty Beas – The Cost of Co-Signing – 10/5/2015 – Original Article (JSH Edited / Added)

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Vice President – Recruiting
Branch Manager – NMLS #375517
Gold Financial Services, Inc.

885 E. Collins Blvd Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688

Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122
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New FHA rules make it tougher for people with Student Loans to buy houses

By Kenneth R. Harney September 15

Heads-up for millennials and first-time home shoppers carrying student debt: New rules could make it tougher to qualify for a low down payment mortgage from the Federal Housing Administration. New rules on down payment gifts could complicate things for you as well.The net effect of the changes, say mortgage lenders and analysts, will be to make FHA loans, which traditionally have been the go-to financing source for young, first-time and moderate-income purchasers, less attractive.

Here’s a quick overview of who will take the brunt of the new restrictions:

At the end of last year, 43 million people, most of them younger than 40, had an estimated $1.2 trillion in outstanding student-loan debt, with an average balance close to $27,000, according to research by the Federal Reserve Bank of New York. Problem rates on those loans are significant: 17 percent of borrowers are delinquent or in default, and another 20 percent are current on payments but have experienced delinquencies in the past.

Student loan payment obligations get rolled into the crucial debt-to-income (DTI) ratios that lenders use to judge whether a borrower has the ability to repay a mortgage. Too high a ratio of total household monthly debt payments to income — typically, lenders want that number to be no higher than 43 percent to 45 percent — means the applicant is carrying too much debt and is more likely to default on the mortgage. Such applicants typically have a tougher time getting approved than people with lower DTIs.

Until Sept. 14, when the revised policy took effect, FHA treated applicants with student loan debt generously on DTI calculations: If an applicant had been granted a temporary deferment from making monthly payments for at least 12 months, the agency instructed loan officers to ignore the debt for DTI qualifying purposes.

Under the new rule, the agency will require that 2 percent of the outstanding student loan balance be counted in calculating the monthly DTI, according to an explanation FHA sent to Congress. So if you have a deferred student debt balance of $20,000, FHA will now impute a 2 percent ($400 a month) repayment obligation in calculating your DTI. That’s tougher than even the figure that giant investors Fannie Mae and Freddie Mac use: 1 percent. If you have a non-deferred payment plan, the actual monthly payment will be counted toward your household debt.

Why the increased restrictions, especially given FHA’s historic role as the home-buying helper for the underserved? Brian Sullivan, an FHA spokesman, told me this: “Deferred student debt is debt all the same and really must be counted when determining a borrower’s ability to sustain both student debt payments and a mortgage over the long haul.” The agency’s primary goal, he added, is to put first-time home buyers “on a path of sustainable homeownership rather than being placed into a financial situation they can no longer afford once their student debt deferment expires.”

What’s the likely impact on millennial shoppers who already are buying fewer homes than predecessor generations at the same age, in part because of heavy student debt burdens? Multiple lenders I spoke with said it’s certain to pose yet another hurdle for many applicants and will be a deal-killer for others.

“I think the student loan being counted will be a big deal and knock a lot of loans out from qualifying” or force applicants “to buy less house” with a smaller mortgage, said Steve Stamets, a loan officer with Apex Home Loans in Rockville.

In addition to the student debt changes, FHA tightened rules on the gifts that many first-time buyers receive from parents and other family members to help swing the transaction. In the past, a gift letter and a canceled check from the donor were acceptable to document the transfer of funds, but now a mortgage applicant is going to need to get a formal statement of the donor’s bank account — plus sourcing of any recent large deposits to that account — to qualify. Lenders such as Stamets say this “will be a new headache” because some gift-givers don’t want to reveal to anybody what they’ve got in the bank.

FHA remains an excellent mortgage source for anyone with less than perfect credit. And most of its rules are more lenient and forgiving for borrowers than competitors’ rules are. But if you’ve got a lot of deferred student debt, you may need to take a new look at whether you’ll qualify.

Original Article – Washington Post

Here’s the Bottom Line: Qualifying for FHA just got Harder. All the more reason to pre-qualify ahead of time to know EXACTLY what you can afford.

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Tag Archives: FHA

The Mortgage Process: What You Need to Know

80% Of Renters Believe Homeownership Is A Part Of Their American Dream

So, what is holding renters back?

What would make renters take the plunge?

Bottom Line

Home prices still rising, bad news for first-timers

Your Tax Refund = Your Down Payment on a New Home

Bottom Line

The Impact of Homeownership on Educational Achievement

Bottom Line

Misconceptions on Student Loan repayments are hurting home buyers while qualifying… We have some Solutions…

Why It’s Okay to Have Student Loan Debt

Big Banks Have Nearly Abandoned the FHA Market

American Dream of Homeownership Still Very Much Alive

Here is a graph of the survey over the last five years:

Bottom Line

Be VERY careful when asked to Co-Sign

New FHA rules make it tougher for people with Student Loans to buy houses