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Well, we continue to see change. Too bad none of it appears to be helping the consumer. We continue to hope that the monies provided to the major banks will provide the emotional climate for bankers to start loosening the proverbial purse strings.



I was very surprised in a meeting with our SVP of gov lending last Friday.I found out that we have the ability to: - Do FHA loans with a Credit Score BELOW 620 (it has to make sense)- Do FHA loans that have a “Refer” in the AU (automated underwriting) findings- Do FHA loans with a DTI? (Debt To I...
So, last year I worked for a different bank and I lost a loan to a great client, but he wanted to have a pool built right after he bought the home (and include the cost in the 1st mortgage). As you can guess, I was not able to do the loan and he went somewhere else. GOOD News! I can now do those ...


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Thoughts on the continuing evolution of the mortgage industry.