Non-QM Lenders Struggle to Navigate Volatile Waters


Fast-rising interest rates are fuelling today's mortgage market catastrophe. The rate hikes began in January and are still going on. The mortgage business is dealing with rapidly growing inflation, exacerbated by congested supply chains, the escalating war in Ukraine, and the linked, expanding sanctions, [...]

The Impacts of Mortgage Loan Modifications in the Lending Space

2022-05-08T06:00:23-07:00Private Money Lending|

A loan modification alters the conditions of a lender's mortgage, making it more accessible to borrowers. For example, suppose eligible borrowers have trouble making their monthly mortgage payments or have fallen behind and face foreclosure. In that case, a loan modification may be the [...]

What Lenders Should Know About Today’s Economic Climate

2022-05-08T06:05:32-07:00Private Money Lending|

Mortgage lenders around the country are dealing with a turbulent housing market because of the Federal Reserve's recent rate hike, the ongoing crisis in Ukraine, and the ongoing economic recovery following the pandemic. Lenders are also preparing for expected margin compression in the next [...]

What Metaverse Real Estate Means for Mortgage Professionals

2022-05-08T06:08:07-07:00Private Money Lending|

The Metaverse is an artificial digital world where users may interact with and mimic the actual world using virtual reality and augmented reality. In addition, virtual real estate is now a part of Metaverse's offers as it grows. Actual Real Estate is referred to [...]

AXY Wrap: The Future of Lending in Innovative Risk Mitigation

2022-05-08T06:10:17-07:00Private Money Lending|

Axylyum Charter, a firm intended at revolutionizing the troubled mortgage-backed asset field through innovation, is positioning its solution, AXY Wrap, as the parachute required to accompany the lending industry's future. The product serves as new protection for retail and wholesale lenders by removing the [...]

California Housing Speculation Act: California Flip Tax Bill Raises Concerns for Lenders


AB 1771, also referred to as the California Housing Speculation Act (the "Act"), seeks to tax the percentage of capital gain from the sale or exchange of residential properties within three years of the purchase of the property by an investor at a higher [...]

Deeper Asset History Unlocks New Lending Opportunities

2022-05-08T06:23:10-07:00Private Money Lending|

Lenders have always taken a "less is more" attitude to asset paperwork, which is understandable. However, obtaining, examining, and (often) re-requesting statements for all parties concerned can be tedious and time-consuming. Borrowers must supply lenders with all statement pages, including those purposely left blank [...]

Are Lenders Prepared for the Upcoming Changes from the IRS?

2022-05-20T07:03:07-07:00Private Money Lending|

As a mortgage lender, you are quite familiar with IRS Form 4506. The form, which was brought to prevent fraud, is needed from virtually every borrower to show that their tax returns from the last two years are original and properly filed. The IRS [...]

FHA Unveils 40-Year Loan Modification Option

2022-05-20T07:04:24-07:00Private Money Lending|

The Federal Housing Administration, under the Department of Housing and Urban Development, late last week, published a rule that will expand the COVID-19 mitigation loss of the Department. This 40-year loan modification option will comprehensively change the repayment provisions for FHA borrowers. This rule [...]

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