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Mortgage & Refinancing Information |
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Recent Bankruptcy? Its Not Impossible to Obtain a Home Loan
Because the new bankruptcy laws go into effect on October 17, 2005, more Americans than ever are filing for relief using the federal bankruptcy laws. The vast majority are simply overextended and cannot possibly repay the obligations they have open. However, for many filers, the opportunity of homeownership may be possible immediately after discharge. Ironically, some those that would not previously qualify for a mortgage do qualify after a bankruptcy. How is that possible? An example of this is Dave Olson (a fictional character). He earns $4,000 per month, spends $1,000 on rent,$250 on car payments, and $2,000 on credit card minimum payments. The DTI* (debt-to-income) ratio of this person is 81.25%. Since his credit score is low (600 middle FICO), the only option is a mortgage that requires full documentation. Most of those loans require a DTI of 50-55% maximum. The Chapter 7 bankruptcy is filed and Dave gets a discharge. He reaffirms his auto loan and still rents for $1,000/month. However, now his monthly debt is much lower (($1,000+250)/4,000=31.25%). The bankruptcy has actually increased his chances of obtaining financing for a purchase. Many times, the credit score is the same after the bankruptcy as prior to filing (unless creditors report incorrectly). By filing simple dispute letters with the three credit bureaus, those discrepencies can be cleared up within a few months. It makes sense that borrowers are most ready to borrow for home purchases after bankruptcy because they cannot file Chapter 7 for 6 years, their obligations are lowered, and the property being purchased is secured. That means the lender can repossess the property if payments are not made timely. There are some things to keep in mind if you are purchasing a home after a recently discharged bankruptcy. 1) A downpayment isn't always necessary, but it will improve the rate. 2) Most people opt for an Adustable Rate Mortgage (ARM) since the rates are much lower than a fixed and they plan to refinance in 2-3 years. 3) Most of these loans have a prepayment penalty that matches the fixed period of the financing. 4) Most lenders require cancelled checks or verification of rent paid not later than 30 days in the past 12 months. 5) A foreclosure before the bankruptcy is hard to overcome. A foreclosure as a result of the bankruptcy usually doesn't count. Everyone's situation is different. To ensure the best service, be sure you contact an experience mortgage originator that will take the time to listen to your situation and explain all the possibilities. It shouldn't cost you anything to inquire. Clinton Bengtson has been a mortgage originator (loan officer) for almost 5 years. Prior to that, he was a CPA working at several large companies. Clint Bengtson has helped hundreds of people become homeowners that were declined at other lenders. Experience is important and can mean the difference between approved and not approved. Visit his website at http://www.mnmortgage.net for more information.
MORE RESOURCES: Refinance rates ease for Friday Bankrate.com Multiple benchmark refinance rates ticked downward today. If you're in the market for a mortgage, see what that means for you. Mortgage rates are in a free fall with no end in sight SF Gate Global and domestic economic concerns continue to drive down mortgage rates. According to the latest data released Thursday by Freddie Mac, the 30-year ... Refinance rates slide for Tuesday Bankrate.com Multiple closely watched refinance rates receded today. If you're in the market for a home loan, see what that means for you. Still haven’t refinanced your mortgage? You still have an opportunity to save big Bankrate.com Mortgage rates seem to be the only thing that's affordable in today's low-inventory, high-priced housing market. This is good news for both homebuyers and ... Refinance mortgage rates mixed for Thursday Bankrate.com Multiple benchmark refinance rates were flat today. If you're in the market for a mortgage, see how your payments might be affected. Mortgage application increase led by higher refinance volume National Mortgage News Mortgage applications increased last week but unlike the prior period, it was driven by refinance volume as interest rates fell to a one-year low, according to the ... Answers to 9 of the Most Googled Mortgage Questions NerdWallet Mortgage questions? We've got answers to help boost your confidence when exploring your options, choosing mortgage lenders and managing your home ... Refinance Appraisals, What You Need to Know - RealtyBizNews: Real Estate News RealtyBizNews Refinancing your home can save you a lot of money. The process is not as easy as the commercials and ads make it seem, a little perperation goes a long way. Refinance Share Edged Back Down in February as Mortgage Rates Stabilized Mortgageorb The refinance share edged back down to 34% of all loans in February, down from 35% in January and down from 43% in February 2018, Ellie Mae's Origination ... A Closer Look At Assumable Mortgage Misconceptions In Divorce Forbes There are several common misconceptions of attempting to assume a loan in a divorce. New VA rules aimed at curbing predatory lending for cash-out mortgage refinances Bankrate.com An interim final rule on VA-guaranteed cash-out refinance loans was published on February 19 to protect borrowers from predatory lenders. The rule executes ... Mortgage Sector Performance May Lag as Fed Pivots to Treasuries Bloomberg Mortgage securities may perform worse than government bonds in the coming months after the Federal Reserve said it plans to move more of its debt holdings ... LendingTree: Homebuyers save big by shopping around for lower mortgage rates HousingWire LendingTree's latest Mortgage Rate Competition Index revealed that borrowers with interest rates under 5% inched forward for the week ending Mar. 5, 2019. Freddie Mac Enhanced Relief Refinance (FMERR) 2019 guidelines, rates, and benefits | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports What is FMERR? The Freddie Mac Enhanced Relief Refinance – or FMERR – is for borrowers who want to refinance but have very little or no equity in their ... LendingTree: This is how much homebuyers could've saved on their mortgages HousingWire Last week, the share of borrowers with rates under 5% grew moderately larger. According to LendingTree's Mortgage Rate Competition Index, borrowers with ... Refinance rates drop off for Monday Bankrate.com Multiple key refinance rates fell today. If you haven't locked a refi yet, see how your payments might be affected. Why out-of-control bubble-era mortgages still threaten to smash major U.S. housing markets MarketWatch The 2004-07 bubble era in U.S. housing markets was a time of utter madness. Much has been written about it, but almost nothing has been said about the ... Ellie Mae: Millennials' interest in mortgage refinance spikes HousingWire In January, slightly lower interest rates led to Millennial homebuyers increasing their requests to refinance their mortgages. In fact, according to Ellie Mae's latest ... Refinance rates advance for Monday Bankrate.com Several benchmark refinance rates moved higher today. See what that means for you if you're in the market for a home loan. LendingTree: Number of mortgage borrowers receiving interest rates under 5% rises HousingWire LendingTree's latest Mortgage Rate Competition Index revealed that the number of mortgage borrowers with interest rates under 5% inched forward for the week ... Refinance rates drop for Saturday Bankrate.com Several benchmark refinance rates fell today. See what that means for you if you're in the market for a mortgage. LendingTree: Fewer homebuyers received mortgage rates under 5% last week HousingWire LendingTree's latest Mortgage Rate Competition Index revealed that borrowers with interest rates under 5% reversed course, inching backwards for the week ... How to Remove PMI From Your Loan U.S News & World Report Money Conventional wisdom states that when buying a house, the responsible thing to do is to make a good down payment. Not only will you keep your mortgage ... Mortgage rates fall for the third week in a row The Washington Post The 30-year fixed-rate average dropped to 4.35 percent, its lowest level in more than a year. Paul Manafort charged with committing residential mortgage fraud — which is more common than you’d think MarketWatch Mortgage fraud risk has risen substantially in recent years as refinance activity has dried up for lenders. LendingTree: Pool of mortgage borrowers receiving interest rates under 5% is shrinking - HousingWire LendingTree: Pool of mortgage borrowers receiving interest rates under 5% is shrinking HousingWire LendingTree's latest Mortgage Rate Competition Index revealed that borrowers with interest rates under 5% slid further for the week ending Feb. 17, 2019. Report indicates financial woes at former Franklin Mills mall Philly.com A loan backed by the former Franklin Mills mall in Northeast Philadelphia has been assigned to a company that manages troubled commercial mortgages — a ... $20,000 liens force retired OKC police officer to prove his identity KFOR Oklahoma City OKLAHOMA CITY - Retired Oklahoma City Police Officer Carl Smith's only crime, his name. “I said, “I said it's bogus!” He spent more than two decades serving ... Lenders optimistic for spring season in Fannie Mae survey theday.com While lenders in Fannie Mae's latest quarterly survey were more likely than not to report decreased demand across all mortgage types, they also showed. 7 charts showing where mortgage lending is headed in 2019 National Mortgage News From FICOs to purchase volume, here's a look at seven mortgage lending trends that will shape the housing market this year. Mortgage Rates Lowest in a Year: Top 4 Housing Picks Zacks.com The housing space looks promising as mortgage rates drop to the lowest level in a year. Housing market trends are stifling the jumbo mortgage market HousingWire In the years following the financial crisis, mortgage lenders turned their attention to the jumbo mortgage market as high-end clients proved to be a safe and ... Jumbo Mortgage Market Slowdown Rattles High-End Borrowers The MReport High-end home buyers are turning cautious, according to an article in The Wall Street Journal (WSJ). The publication also stated that this will prove to be a big ... Mortgage rates just tanked thanks to the Fed – and they could go even lower CNBC The move in mortgage rates followed Fed Chairman Jerome Powell's announcement that the central bank would end the so-called runoff of bonds from its ... Economic downshift drops mortgage forecasts again: Fannie Mae National Mortgage News Fannie Mae estimates the average 30-year fixed-rate mortgage to hold at 4.4% through 2019 and 2020 due to the overall slowdown in the economy, according ... Mortgage rates increase for Friday Bankrate.com Multiple benchmark mortgage rates floated higher today. If you're shopping for a home loan, see what that means for you. Mortgage rates today, February 22, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports Average mortgage rates rose very slightly yesterday. So slightly, indeed, that your lender may not have bothered adjusting yours, although it may have slightly ... Natalie Campisi: More inventory, lower mortgage rates as 2019 home buying season tilts toward buyers Virginian-Pilot Spring is here, which means peak home buying season is right around the corner. Although it varies from place to place, generally most people start shopping ... How big can Quicken Loans get? Crain's Detroit Business Detroit-based company is largest retail mortgage originator in U.S., overtaking Wells Fargo & Co. and JPMorgan Chase in 2018; Nontraditional approach ... Wilshire Quinn Provides $925,000 Refinance Loan in Berkeley, CA GlobeNewswire SAN DIEGO, March 22, 2019 (GLOBE NEWSWIRE) -- Wilshire Quinn Capital, Inc. announced Friday that its private lending fund, the Wilshire Quinn Income ... Jumbo Mortgages Are Slowing Down, Testing Banks’ Postcrisis Playbook The Wall Street Journal High-end home buyers are turning cautious, a blow to banks that refocused their mortgage businesses around wealthy borrowers in the years after the financial ... More inventory, lower mortgage rates as 2019 homebuying season tilts toward buyers Bankrate.com Spring is here, which means peak homebuying season is right around the corner. Although it varies from place to place, generally most people start shopping for ... Am I accidentally committing mortgage fraud? | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports You're not a criminal. You just want to buy a home with a mortgage. But you could accidentally commit mortgage fraud unless you avoid these mistakes. Mortgage Delinquency Rate Jumped in February, Prepayment Rate Rises 11% Mortgageorb The U.S. mortgage delinquency rate increased slightly in February compared with January, rising to 3.69% of all mortgages, according to Black Knight's First ... How to Get Good Yield From Mortgage-Backed Securities Barron's The second-largest mortgage real-estate investment trust, AGNC Investment, conjures up yield from what may be the most perverse securities in the bond ... Fixed mortgage rates are diving. Here’s where to get the best deals The Globe and Mail Payment burdens are easing for hundreds of thousands of borrowers. TFS Financial (TFSL) Cut to Buy at BidaskClub Fairfield Current BidaskClub lowered shares of TFS Financial (NASDAQ:TFSL) from a strong-buy rating to a buy rating in a research report report published on Thursday, March ... Mortgage rates sink to lowest levels in more than a year Chicago Tribune Mortgage rates were driven down this week by weak economic data and concerns about global growth. According to the latest data released Thursday by ... Refinance Your Mortgage Quickly: Prequalify in Just 3 Minutes Credible News Let us do the heavy lifting for you. Compare rates from multiple lenders with no impact to your credit score. Refinance your mortgage with peace of mind. Report: Homeowners gained nearly $10K in home equity last year | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports Home price growth might be slowing, but homeowners are still gaining serious equity in their properties, According to new data, the average homeowner saw ... Mortgage refinancing spree becomes a race against the clock Bankrate.com Some 2.43 million homeowners can reduce their mortgage interest rate by refinancing, according to a recent mortgage report by Black Knight, a mortgage data ... New rapid mortgages allow closings in as few as 8 days Bankrate.com Some lenders are drastically cutting closing times which, they say, provides an edge in competitive markets. Loandepot is offering what may be the fastest ... Mortgage refinance checklist: what you need to refinance your home | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports This handy mortgage refinance checklist tells you what you need to do before refinancing. Get your paperwork in order and know your refinance goals to speed ... Mortgage refinance applications hit 18-year low CNBC Mortgage refinance applications hit an 18-year low. With no major move in interest rates and continued weakness in home affordability, there was not a lot of ... 5 Signs It's Time To Refinance Your Mortgage Forbes You've probably heard that refinancing your mortgage can save you money. While that's true in many cases, refinancing needs be done at the right time in order ... Her Majesty the Queen in Right of the Province of Alberta as represented by Alberta Investment Management Corp Sells 18,700 Shares of TFS Financial Co. (TFSL) Fairfield Current Her Majesty the Queen in Right of the Province of Alberta as represented by Alberta Investment Management Corp lowered its position in shares of TFS ... What to consider before determining whether to refinance your mortgage Washington Post REAL ESTATE MATTERS | For a home-run refinance, try to find a deal that helps you do these four things: lower your interest rate, shorten your loan term, lower ... Clark Tower foreclosure sale delayed The Daily Memphian The scheduled foreclosure sale of Clark Tower Friday was postponed until noon on April 26, two days after the office skyscraper's owner and trustee for lenders ... Cash-out mortgage refinancing: Here’s where homeowners are using it most Bankrate.com Homeowners who snagged a low-interest mortgage in recent years generally avoid refinancing the loan because interest rates are higher now. When they need ... Banking outlook 2019 FXStreet Faster economic growth, interest rate hikes and a lower corporate tax rate proved very favorable for commercial banks in 2018. Loan growth was stable. How should I apply for a mortgage refinance: in person, by phone or online? | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports You can apply for a mortgage refinance in person, over the phone or online. Just make sure that the company is legitimate before providing personal information ... Consumers t0 benefit of Fed's patience on rates Piqua Daily Call NEW YORK (AP) — So much for those worries about rising interest rates.Just a few months ago, rising rates were bearing down on everyone from home buy. Refinance mortgage rate moves lower for Wednesday Bankrate.com Refinance rates were mixed, but one key rate trended down. If you haven't locked a refi yet, see how your payments might be affected. Mortgage rates drop below 4.5%. Homeowners scramble to refinance | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports There is a quiet refinance boom brewing, as mortgage rates sink to 9-month lows. Not since April 2018 have rates been this low. Freddie Mac, in its weekly ... How to refinance to pay off a mortgage faster | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports You probably have a number of ways to pay off a mortgage faster. You can refinance to a shorter term, pay more on your existing mortgage or free up your ... Refinance mortgage rate advances for Tuesday Bankrate.com Refinance rates were mixed, but one key rate floated higher. See what that means for your chances of getting a better mortgage rate. Refinance mortgage rates mixed for Tuesday Bankrate.com Refinance rates were mixed today. If you're in the market for a refi, see how that could affect you. Refinance mortgage rate slides for Friday Bankrate.com Refinance rates were mixed, but one key rate slid lower. If you haven't locked a refinance yet, see how your finances could be affected. Couldn't qualify to refinance last year? Lenders more likely to say yes in 2019 | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports If you have been wanting to refinance but had a hard time getting approved, 2019 might be your year. Lenders are allowing higher debt-to-income ratios, ... Refinance mortgage rate moves higher for Monday Bankrate.com Refinance rates were mixed, but one key rate trended upward. If you're in the market for a mortgage, see how your payments might be affected. Refinance mortgage rate dips for Tuesday Bankrate.com Refinance rates were mixed, but one key rate decreased. If you're in the market for a home loan, see how your payments might be affected. The main reason to refinance your mortgage: Save money Chicago Tribune A substantial drop in interest rate on a fixed rate mortgage could save you money with a refinance. But you must factor in closing costs on the transaction. Factors to weigh when considering whether to refinance your home Washington Post Q: I was offered a mortgage “recast” and I need help evaluating if it is a sound financial move. My home is worth $250,000. I owe about $68,000, as I have been ... Refinance rates decline for Thursday Bankrate.com Several benchmark refinance rates decreased today. See what that means for your refinance. Refinance mortgage rates mixed for Saturday Bankrate.com Refinance rates were mixed today. See what that means for you if you're in the market for a mortgage. Mortgage applications fall, as refinancing hits 20-year low CNBC A significant drop in mortgage interest rates was not enough to entice homeowners to refinance their loans last week. Refinance mortgage rates mixed for Monday Bankrate.com Refinance rates were mixed today. If you're shopping for a mortgage, see how your payments might be affected. Mortgage refinance applications decline to 18-year low: MBA National Mortgage News Mortgage applications decreased 1.8% from one week earlier as refinance submissions fell to their lowest in nearly 18 years, according to the Mortgage Bankers ... Refinance mortgage rate falls for Friday Bankrate.com Refinance rates were mixed, but one key rate declined. If you're shopping for a mortgage, see how your payments might be affected. Refinance rates retreat for Monday Bankrate.com Multiple benchmark refinance rates tapered off today. If you're in the market for a mortgage, see how your payments might be affected. Credible Expands Their Marketplace Into Mortgage Refinancing Lend Academy Credible made a name for themselves in student loans. They are the first and largest marketplace for people looking to refinance their student loans. Borrowers ... Should You Refinance Your Mortgage? Forbes Evidently many mortgage borrowers fail to understand that mortgage refinances have a variety of possible purposes, and their success depends on a variety of ... Refinance rates advance for Saturday Bankrate.com Multiple closely watched refinance rates notched higher today. If you're shopping for a refi, see how your finances could be affected. Refinance rates dip for Wednesday Bankrate.com Multiple key refinance rates slid lower today. If you're shopping for a home loan, see how your payments might be affected. Refinance rates fall for Wednesday Bankrate.com Multiple key refinance rates ticked downward today. If you haven't locked a refi yet, see how that could affect you. Refinance mortgage rate rises for Thursday Bankrate.com Refinance rates were mixed, but one key rate climbed higher. If you're shopping for a mortgage, see what that means for you. Refinance rates tick lower for Thursday Bankrate.com Several closely watched refinance rates dropped today. See what that means for you if you're in the market for a mortgage. Refinance rates tick higher for Monday Bankrate.com Multiple closely watched refinance rates moved higher today. If you're in the market for a home loan, see how your payments might be affected. With today's mortgage rates, you can still refinance for lower payments. Here's how | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports Many homeowners refinance for lower payments or interest rates. Here's what you need to know about your options and some pitfalls. Refinance mortgage rate ratchets higher for Thursday Bankrate.com Refinance rates were mixed, but one key rate climbed. If you're shopping for a mortgage, see how your payments might be affected. Refinance mortgage rates mixed for Friday Bankrate.com Refinance rates were mixed today. If you haven't locked a refinance yet, see what that means for you. Refinancing activity in the US just plunged to the lowest level in over a decade Business Insider Refinancing activity plunged to the lowest level since 2000 as interest rates rise. Refinance rates hold steady for Friday Bankrate.com Several benchmark refinance rates held steady today. See what that means for you if you're in the market for a mortgage. Refinance rates tick higher for Tuesday Bankrate.com Multiple benchmark refinance rates notched higher today. See what that means for your chances of scoring a killer refi rate. Thinking of Refinancing Your Mortgage? Check These 4 Financial Areas First Forbes Refinancing your mortgage can be a great way to save on your monthly payment or to change up the terms of your loan. However, while it's a financial move that ... Unpaid federal workers can sidestep rules to apply for cash-out mortgage refinance Bankrate.com As the partial government shutdown drags on with no end in sight, furloughed federal workers are faced with mounting financial obligations and a variety of relief ... Refinance rates decline for Wednesday Bankrate.com Several key refinance rates were down today. If you're in the market for a home loan, see how your payments might be affected. How to use a cash-out refinance to buy another home | Mortgage Rates, Mortgage News and Strategy The Mortgage Reports Can or should you use a cash-out refinance to buy another home? Maybe, if that's the most cost-effective source of a down payment or even the whole purchase ... 5 Terrible Reasons to Refinance Your Mortgage MoneyWise.com Mortgage rates have been going up, so time may be running out if you're looking to refinance your home at an attractive rate, to lower your mortgage costs or... Refinance rates increase for Saturday Bankrate.com Multiple benchmark refinance rates moved higher today. See what that means for your refinance chances. |
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