HOW DOES THE FEDERAL RESERVE AFFECT MORTGAGE RATES?

Many people believe the Federal Reserve, through the actions of the Federal Open Market Committee, has a direct impact on mortgage rates. It’s actually more so that speeches from Federal Reserve Committee members, announcements of what the Fed is doing, […]

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Is It Too Soon to Refinance My Mortgage Loan?

● Graham W. Parham ● August 28, 2019 ● Conventional Products Interest Rates Investor Loans Real Estate Investing Refinancing ● No Comments

Mortgage rates have fallen a great deal this year and millions of homeowners as well as investors might benefit by refinancing even if they bought a home just last year. Mortgage rates moved lower last week even though the broader bond market […]

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New Fannie Mae Reserve Requirements for Investors With Multiple Properties Owned

● Graham W. Parham ● October 23, 2016 ● Conventional Products Multi Property Loan Programs ● No Comments

There are many investors that still do not know that Fannie Mae is requiring additional reserves from borrower’s that have more than one financed property. The Old requirements was 6 months Principle, Interest, Taxes and Insurance (PITI)on the subject […]

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How Many Loans Will the Fannie Mae and Freddie Mac Lend to Investors?

● Graham W. Parham ● October 21, 2016 ● Buying an Investment Property Conventional Products How to Get a Mortgage Investor Loans Multi Property Loan Programs Out of State Investing Real Estate Investing Turnkey Properties ● No Comments

In 2009, Fannie Mae and Freddie Mac rolled back the mortgage rule that prevented real estate investors from financing more than 4 properties per borrower. At the time, investors were limited to 4 properties financed, which included their primary residence. […]

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Adjustable-Rate Mortgages

● Graham W. Parham ● October 27, 2014 ● Conventional Products ● No Comments

Adjustable-Rate Mortgages An “adjustable-rate mortgage” is a loan program with a variable interest rate that can change throughout the life of the loan. It differs from a fixed-rate mortgage, as the rate may move both up or down depending on […]

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Fixed Rate Loans

● Graham W. Parham ● November 5, 2013 ● Conventional Products ● No Comments

Fixed-rate mortgages remain the most popular type of home financing. A fixed-rate mortgage is a good option for nearly every type of borrower, whether you plan to stay in the house for the long term or just for a few […]

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Jumbo Loans Programs

● Graham W. Parham ● October 30, 2013 ● Conventional Products ● No Comments

In the United States, a jumbo mortgage is a mortgage loan that may have high credit quality, but is in an amount above conventional conforming loan limits. This standard is set by the two government-sponsored enterprises, Fannie Mae and Freddie […]

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