Mortgage Lending
14 Ways to Prove Real Estate Property Ownership
On the one hand, trust deed investing in California is a smart way to build a stable income stream. On the other, it creates an opportunity for commercial real estate developers to acquire and own property. Also known as a deed of trust, this legal instrument establishes an agreement between a borrower and a lender (investor). The parties agree to
Interest Rate Swaps and How to Use Them
If you have a loan with a variable rate, there’s a good chance that you keep a close eye on interest rates. A change in interest rates will impact your borrowing costs and make your monthly payments uncertain. Changes in variable-rate indexes can make it difficult to forecast debt service levels. An interest rate swap could be a good fit
How to Take Advantage of Cash-out Refinance
A cash-out refinance can provide a crucial supply of funds based on a commercial mortgage you’re currently paying off. It’s usually an option for borrowers with an existing mortgage who need to finance a business project urgently. It can pay off if used in income-generating activities, but it doesn’t always work for everyone. Here’s a look at what cash-out refinance
How Inflation Might Affect Interest Rates & Real Estate Financing
Are you looking for commercial loans in Los Angeles, CA? These loans can help finance your real estate project from the ground up. However, factors like inflation do impact the cost and availability of such lending. If you’re considering taking out a commercial loan to develop, buy, or upgrade property in California, read on for insights on how inflation might
Real Estate Financing Options to Offer Your Clients
As a mortgage broker, your success depends on helping your clients accomplish their goals in the most cost-effective way possible. You can grow your brokerage’s bottom line by linking more clients to feasible commercial lending options. Here’s a look at how commercial real estate financing works to effectively help your clients achieve their objectives in the property market. Types of
4 Simple Steps to Follow While Buying an Investment Property
Even for a seasoned investor, the process of purchasing an investment property can be intimidating because it typically requires time, effort, and huge capital investment. However, if you get the process right, you’re likely to reap huge financial rewards including passive income, equity gains, and tax breaks, according to an article published by CNBC. Before Preparing to Buy an Investment
Major Factors Used By Lenders While Determining Mortgage Rates
Mortgage rates vary because the borrower and the subject property always have distinctive characteristics. Typically, the risks underlying the loans as well as the interest rates are different in each case. Lenders often use different pricing models, so even similar cases can have varied pricing. Essentially, when assessing the risk, a mortgage lender typically considers the likelihood of a borrower
The 3 Most Common Mortgage Acronyms You Need to Know
As of June 2020, the median price of a house in the U.S. was about $284,600, as reported by the National Association of Realtors (NAR). With about 1.3 million Americans earning below the minimum wage, per the U.S. Bureau of Labor Statistics (BLS), paying for a house out of pocket can be difficult. This is where mortgage lenders come in
How Fannie Mae Is Different from Freddie Mac
Fannie Mae and Freddie Mac, which are government-backed agencies, play an integral role in the American housing system. They buy mortgage loans from lenders, such as banks, package those loans into mortgage-backed securities, and then sell them to investors. Because Fannie Mae and Freddie Mac take on much of the risk, investors generally consider those securities to be safe. These
California Department of Real Estate – Real Estate Broker No. 00388229 |Corp NMLS ID # 1726526
Non-consumer, Business Purpose Loans secured by commercial or residential property.
