Most non-QM loans don’t fall apart at the beginning… they fall apart the week before closing. And when they do, it’s usually not because of the borrower. It’s the lender. The Reality of Non-QM Right Now Non-QM loans aren’t new, but they’re being used more than ever. Bank statement loans. DSCR. Profit & loss programs. […]

What we are seeing right now is not just a rate issue, and that is the first thing agents need to understand when talking to their clients. Yes, rates have moved quickly, but what is really happening is a layering of pressure. Buyers are facing higher rates, rising Insurance costs, higher taxes, and a general […]

There have been some quiet but really important changes from Fannie Mae recently, and they’re starting to open the door for more buyers than most people realize. Many clients who may have felt they weren’t quite ready before might now be in a position to move forward. One of the biggest shifts is around credit. […]

I had one of those conversations yesterday that reminds you why what we do matters so much beyond just quoting rates or opening doors. I have a client who is 61, semi-retired, and has built a beautiful life over the past few decades. She owns a home in Los Angeles worth about 3.5 million. She […]

Over the past few weeks, mortgage rates have climbed to their highest levels since September, leaving many buyers wondering what is driving the increase. When geopolitical conflicts or military actions begin, financial markets tend to react quickly. Mortgage rates often move as investors reassess the potential impact on the global economy. Right now, the concern […]