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Compliance: I want to create a USDA flyer that states “100% financing opportunity to eligible rural individuals.” Our corporate office is telling us TILA states that any program that specifies a zero down payment option must have a loan example with APR and interest rate. Are they correct?
Fannie Total Property Owned: Borrower has 4 financed properties plus a commercial building that is also financed. Underwriter suspended the cash out NOO refi because they have over 4 financed properties. I thought commercial buildings did not count in that kind of tally? Mortgage Talking PointsTM flyer - Working with Real Estate Investors - Know the Rules!
Fannie Mae/Freddie in Brief
Fannie/Freddie W-2 vs. 1099 Income: How do I document income from a borrower who went from 1099 to W2 in the last month? 1099 income was with the same company and same pay.
FHA DACA Program: I have a client who wants to use FHA to purchase a home. They have been in the country illegally for 13 years; however they just received a Social Security card and are now enrolled under the DACA program. Can they buy a home?
VA Payoff of Debts: In the past, we have paid off clients’ debts with a lender rebate at closing. However, the underwriter says that’s not acceptable. What is the rule?
FHA Maternity Leave: The underwriter is telling me that the buyer on maternity leave must return to work before we can count her income and close the loan. They have enough cash reserves to cover 3 months’ worth of monthly payments. What is the rule?