Mortgage Lending
How to Sell Seller Carry-Back Mortgages
Getting a mortgage from a bank isn’t the only way to finance the purchase of a home. In fact, seller-financing in real estate is a hot topic and can often be a viable alternative to a traditional mortgage loan. Here is what you should know about a seller carry-back mortgage and how to sell one effectively. Seller Carry-Back Mortgages
How Risk Retention Affects Lenders, Borrowers, and Bond Investors
One of the most significant benefits of being a CMBS lender is having the money that is loaned to the real estate investors replenished as soon as the bonds are sold to investors on the open market. Because these loans are not kept in the lender’s portfolio, the money paid for the bonds heads back through the security to replace
Why is a Debt Service Coverage Ratio (DSCR) Needed?
DSCR, or Debt Service Coverage Ratio, is a calculation used typically in commercial lending transactions involving real estate. It measures a property’s cash flow compared to its current debt obligations. The evaluation of a company’s DSCR gives the lender a general idea on whether a business can pay a loan back on time and with interest. The higher the DSCR
What is a Treasury Swap Rate?
The U.S. Treasury Yield is calculated by the U.S. Department of the Treasury from the daily yield curve. It is also referred to as the Treasury Yield Curve Rate, Constant Maturity Treasury Rate, or CMTs. These rates are essentially the return an investor would receive from the purchase of a U.S. government debt obligation, such as a bill, note, or
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.
