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Mortgages Made Simple

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Capital gains and Equity Sharing - September 17, 2009
On this week's show we handle two interesting equity questions. The first is "You have a property that has substantial amounts of equity, you want to sell the property and move to another property, can the equity from Property A follow you to Property B without having to pay any capital gains? What other alternatives does this person have for using the equity?" And the second question is "You've located a property that has lots of equity, you're intention is to take control of the property bef...

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[ Thu, 17 Sep 2009 10:00:00 PDT ]


Non Recourse loans and Cash Out Refinances - September 10, 2009
What's the difference between a recourse and a non-recourse loan? and How much equity should one have in a property before considering a cash out refinance? This week we answer these two listener questions.A recourse loan allows the lender to try to collect the money they lose on a foreclosure or short-sale from the homeowner in what's called a deficiency judgment. A non-recourse loan, on the other hand, doesn't allow the lender to collect any money on their loss. This is the most common type...

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[ Thu, 10 Sep 2009 10:00:02 PDT ]


Pay off Your Mortgage Faster - September 3, 2009
This week we answer another listener question; "How does one know if they're paying just interest or they're paying down principal? Would their mortgage payment be just the interest or would it be substantially more? Who decides what gets applied to the mortgage payment once the interest has been calculated and figured out by the lender?Mortgage loan payment schedules are based upon a formula that is heavily favored toward paying interest. Very little principal is paid during the first 10 years...

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[ Thu, 03 Sep 2009 10:00:02 PDT ]


MDIA - August 27, 2009
Do all lenders provide a term sheet when they originate your loan, what is a BPO and what is a seller 2nd? This week we answer 3 more listener questions.All lenders must provide a term sheet within 3 days of starting your loan. These are commonly referred to as your Good Faith Estimate and Truth In Lending disclosures. These disclosures estimate what fees you will be charged and what your effective interest rate will be. A BPO is a Broker's Price Opinion. BPO's are performed by real estate...

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[ Thu, 27 Aug 2009 10:00:03 PDT ]


FHA Loans - August 20, 2009
How long does an FHA loan take to close and who are they best suited for? What is a letter of intent used for and what are FHA 221-D and 223-F loans for? Today we're answering these 3 listener questions.FHA loans usually take 30 days to close and are suited for people who don't have a large down payment and may have a marginal credit history. FHA loans only require a 3.5% down payment. Also, the credit guidelines are more lenient.A letter of intent is generally used to initiate proceedings t...

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[ Thu, 20 Aug 2009 20:43:06 PDT ]


Conduit Loans - August 13, 2009
Conduit Loans, what are they and are they any good? This week we answer a listener's question. The name Conduit just referred to a big mortgage company that bought loans from smaller mortgage companies.When Alt A and Sub-prime loans were around there were many conduits; Chase, Countrywide, Bear Stearns, etc. But now that most loans are underwritten to Fannie Mae, Freddie Mac and FHA guidelines most of those conduits have disappeared. Listen to "Conduit Loans"If you have any questions you would...

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[ Thu, 13 Aug 2009 10:00:07 PDT ]


Latest Housing Statistics - August 6, 2009
I enjoy looking through View Magazine in Orange County California. This week's headline got my attention "Real Estate Remains Hot in Orange County." I didn't know it was hot so I researched the references.First the median home price is up 14%. It is but it's still 35% below the peak and I think the rise is due to Fannie Mae raising it's loan limits to $729,000. And second Case-Shiller predicts home prices to rise 6.6% in 2010. That's good news but we're down 48% from our highs.The article ...

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[ Thu, 06 Aug 2009 10:00:02 PDT ]


Hope for Homeowners, is it working? - August 4, 2009
We had a couple more listener questions and we like to keep up to date on them since it's a good indication of what the public thinking is today and we like to treat you well since we care what you think. The first question was "Can a lender pursue a homeowner for the loss they incur on a short sale?" The short answer is No and certainly not in this current recessionary environment.The second question was "Is the Hope for Homeowners act working?" Unfortunately, No. It was rumored to have he...

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[ Tue, 04 Aug 2009 10:00:03 PDT ]


What's up with the Economy - July 28, 2009
Recently several banks released their earnings, and while on one hand they were all showing billions of dollars in profits, on the other hand they were cautioning that they had potentially 5 times as much in credit card defaults. So their losses are being held back in order to show high earnings now.I also came upon one analyst's 3 indicators to signal housing has reached a bottom in price, housing starts, months supply of homes for sale and the home affordability index. When housing starts b...

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[ Tue, 28 Jul 2009 10:00:02 PDT ]


Making Home Affordable, is it working? - July 23, 2009
We received a good question this past week...."What do you think about the Obama administration and their latest expansion of the "home affordable" refinance program that was recently outlined. Will it help those tens of thousands of owners whose houses are seriously "underwater"?Unfortunately, it's not working fast enough. Instead of requiring an appraisal and having the borrower qualify for the refinance loan, they should have copied the FHA Streamline program. An FHA Streamline does not ...

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[ Thu, 23 Jul 2009 10:00:00 PDT ]


125 LTV Refi Plus - July 21 , 2009
Fannie Mae announced on July 1, 2009 that the Refi Plus program was being expanded to allow a homeowner to refinance up to 125% of their home's value. Listen to "125 LTV Refi Plus"To find out if your loan is eligible visitMakingHomeAffordable.govFannie Mae LookupFreddie Mac Lookupor email us and we'll help you out.If you have any questions you would like us to answer on our show, please call our listener line at 714-519-7833 or email mortgagepodcast@gmail.com. Subscribe in a readerSubscribe to ...

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[ Tue, 21 Jul 2009 10:00:01 PDT ]


Purchasing a Home, Appraisals - July 16, 2009
In Part 3 of our "Purchasing a Home" series we're going to discuss the latest Appraisal issues arising from the new HVCC or Home Valuation Code of Conduct law. As of May of this year the HVCC law , which was passed to eliminate pushing values artificially high on appraisals, has created a little bit of a stir in the real estate industry. The 2 biggest issues are delays in receiving appraisals and appraised values coming in too low.The delays are being caused because the appraisal must be orde...

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[ Thu, 16 Jul 2009 10:00:03 PDT ]


Stated income and low down payments - July 14, 2009
We had two listener's questions this past week. The first question was "Are there any loans that allow only 5% down?" FHA loans allow only 3.5% down, so that is the best option for a low down payment loan. The second question was "If I am putting 25% down, can I do a stated income loan?" Stated income loans, where you don't need to verify your income essentially disappeared in the last 2 years. There are some private investors that offer stated income loans, but the interest rates are extre...

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[ Tue, 14 Jul 2009 10:00:04 PDT ]


Purchasing a Home, Credit Scores - July 9, 2009
In Part 2 of our "Purchasing a Home" series we're going to discuss credit score requirements. The good news is FHA loans don't require much of a credit score at all. However, the major lenders require a 620 credit score. So keep that number in mind. You'll have more options available if your credit score is above 620. On a conventional loan you can also go as low as 620, BUT, it's a big but, your interest rate will be higher if your credit score is lower than 720. So if your credit score h...

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[ Thu, 09 Jul 2009 10:00:03 PDT ]


FHA Streamline Refinance - April 23, 2009
FHA Streamline refinances are the best thing since sliced bread. They allow you to refinance with no appraisal, no paystubs and essentially no qualifying. Make sure your loan officer isn't charging any points and you'll be lowering your monthly payment in a pretty easy, hassle free loan refinance. To find out if your loan is eligible email us and we'll help you out.Listen to "FHA Streamline Refinance"If you have any questions you would like us to answer on our show, please call our listener li...

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[ Thu, 23 Apr 2009 07:10:00 PDT ]


Refinance vs. Loan Modification - April 16, 2009
Is it better to do a simple refinance or a loan modification? I, of course, prefer a refinance. It's straight forward, actually cheaper and it's a sure thing. And with President Obama's MakingHomeAffordable.gov plan, refinances should be easier if you have a loan that is owned by Fannie Mae or Freddie Mac. To find out if your loan is eligible visitMakingHomeAffordable.govFannie Mae LookupFreddie Mac Lookupor email us and we'll help you out.Listen to "Loan Refinance vs. Loan Modification"If yo...

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[ Thu, 16 Apr 2009 08:18:01 PDT ]


$8,000 Tax Credit and More - March 26, 2009
Is the $8,000 tax credit going to help you out? Find out on today's podcast if it will and we give details on California's new home tax credit. $8,000 tax credit details:Must be a 1st time homebuyer, haven't owned a home in the prior 3 yearsMust live in house 3 years, or you must pay it backDollar for Dollar tax credit on income tax owed Eligible on homes purchased between Jan 1, 2009 and December 1, 2009Tax credit is 10% of value of home purchased or $8,000, whichever is lessListen to "$8,000...

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[ Thu, 26 Mar 2009 07:32:00 PDT ]


Upside down on Your Mortgage and Jumbo Loans - March 19, 2009
This week we answer 5 more questions from loyal listeners. 1. If someone is upside down in there mortgage, what advice would you give them? 2. Could you explain what it means to be upside down in a mortgage?3. Can a person use the equity from there property as a down payment on another property?4. Is there capital gains on borrowed money?5. Why is difficult to get jumbo loans today? What are they? Listen to "Upside down on Your Mortgage, Jumbo Loans and More Listener Questions Answered"If you ...

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[ Thu, 19 Mar 2009 07:04:00 PDT ]


Seller Financing, What is it and More Listener Questions - March 12, 2009
This week we answer 6 more questions from loyal listeners. 1. There are 3 phases of development, undeveloped, pre-construction and developed. What type of financing is available for the purchase of raw land. If there's financing available, what do lenders look at?2. There's so many ways to fund real estate today using creative thinking, one that I can think of is seller financing. What is it?3. You have spoken before about using the equity out of one's property to add value. Why is it that one ...

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[ Thu, 12 Mar 2009 07:52:00 PDT ]


FHA, VA origins and Low Down Payment loans - March 5, 2009
This week we answer 6 more questions from loyal listeners. 1. Will FHA Loan limits apply when house prices start to stabilize? 2. How Did FHA and VA loans develop? 3. In pre construction is a construction loan used by developers? 4. Are there any high leverage loans available that require a low down payment? 5. What is the difference between stated income and "No Doc" loans and are they still available? 6. There have been a lot of changes made recently in the mortgage industry, what changes hav...

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[ Thu, 05 Mar 2009 07:38:00 PST ]


Building Wealth, Negative Amortization and More Questions Answered - February 19, 2009
This week we answer 7 more questions from loyal listeners. 1. How can one build wealth through real estate through mortgage payoff? 2. What are Negative Amortization loans? 3. Is it better to use a HELOC, credit cards or your own cash for any renovation work done to any property? 4. When choosing between long term and short term financing, what loan products are available? 5. What would be considered long term financing? 6. What would be considered short term financing? 7. Can you transfer equi...

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[ Thu, 19 Feb 2009 07:47:00 PST ]


Real Estate Tax Breaks, Cash out and Mortgage Backed Securities - February 12, 2009
This week we answer 7 more questions from loyal listeners. 1. How do you calculate the appreciation potential on a property? 2. What tax breaks are available in real estate? 3. Banks leverage money, but they make money on the spread. Could you explain what that means? 4. When should one consider a cash out refinance? 5. What are mortgage backed securities? 6. When choosing a loan product, what must one consider first? 7. Are interest only loans good? What's there primary purpose? Listen to "Mor...

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[ Thu, 12 Feb 2009 09:25:01 -0600 ]


Real Estate Tax Breaks, Cash out and Mortgage Backed Securities - February 12, 2009
This week we answer 7 more questions from loyal listeners. 1. How do you calculate the appreciation potential on a property? 2. What tax breaks are available in real estate? 3. Banks leverage money, but they make money on the spread. Could you explain what that means? 4. When should one consider a cash out refinance? 5. What are mortgage backed securities? 6. When choosing a loan product, what must one consider first? 7. Are interest only loans good? What's there primary purpose? Listen to "Mor...

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[ Thu, 12 Feb 2009 07:25:01 PST ]


Interest Rates, HELOCs, and Leverage - February 5, 2009
This week we answer 6 more questions from loyal listeners. 1. What influences interest rates? 2. How can one lower their debt service? 3. Whatʼs the difference between fed funds rate and the prime rate? How does it affect the lender and the borrower? 4. How should one use there HELOC, there home equity line of credit? 5. Could you explain how leverage works and how it magnifies through the purchase of real estate? 6. Whatʼs the difference between commercial and residential financing? Listen ...

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[ Thu, 05 Feb 2009 09:00:01 -0600 ]


Interest Rates, HELOCs, and Leverage - February 5, 2009
This week we answer 6 more questions from loyal listeners. 1. What influences interest rates? 2. How can one lower their debt service? 3. Whatʼs the difference between fed funds rate and the prime rate? How does it affect the lender and the borrower? 4. How should one use there HELOC, there home equity line of credit? 5. Could you explain how leverage works and how it magnifies through the purchase of real estate? 6. Whatʼs the difference between commercial and residential financing? Listen ...

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[ Thu, 05 Feb 2009 07:00:01 PST ]


Equity, Hard money, and More Listener Questions - January 29, 2009
This week we answer 6 questions from a loyal listener. 1. Are there different types of equity?2. What types of real estate deals would use hard money?3. What do lenders look at to determine if a person qualifies for a loan? 4. On a commercial property, How do lenders qualify the loan?5. In the past you have spoken on short sales, How are they structured and How does it benefit both parties?6. When determining the type of loan product one should use for a property,there's short term and long ter...

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[ Tue, 03 Feb 2009 08:39:05 PST ]


Equity, Hard money, and More Listener Questions
This week we answer 6 more questions from a loyal listener. 1. Are there different types of equity?2. What types of real estate deals would you use hard money?3. What do lenders look at to determine if a person qualifies for a loan? 4. On a commercial property, what do lenders look at to qualify a loan? 5. How is a short sale structured? How does it benefits both parties?6. When determining the type of loan product one should use, what factors determine if you should use short term or long term...

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[ Thu, 29 Jan 2009 09:00:00 -0600 ]


203k loans and Loan Mods, Listener Questions Answered - January 22, 2009
This week we answer 6 questions from a loyal listener. 1. What's a 203(K) Rehabilitation Program?2. How does a loan modification work?3. Could you explain the process of doing a cash out refinance on a property?4. Could you explain how a wraparound mortgage works?5. What's a balloon mortgage?6. Could a property owner lose there equity to the market?Listen to "Listener Questions Answered"If you have any questions you would like us to answer on our show, please call our listener line at 714-519-7...

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[ Sat, 24 Jan 2009 12:35:37 PST ]


Mortgage rates and the Bailout - January 1, 2009
Have any of the bailout plans worked? We discuss the past few bailout ideas and why we think the Fed's latest attempt to push mortgage rates down will work. We have touched on this plan before but we add some more commentary and delve a little deeper. Nothing but the best for our listener's on New Year's Day. Get ready for an exciting 2009! Happy New Year!Listen to "Mortgage Rates and the Bailout"If you have any questions you would like us to answer on our show, please call our listener l...

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[ Sun, 04 Jan 2009 15:54:38 PST ]


Mortgage rates and the Bailout - January 1, 2009
Have any of the bailout plans worked? We discuss the past few bailout ideas and why we think the Fed's latest attempt to push mortgage rates down will work. We have touched on this plan before but we add some more commentary and delve a little deeper. Nothing but the best for our listener's on New Year's Day. Get ready for an exciting 2009! Happy New Year!Listen to "Mortgage Rates and the Bailout"If you have any questions you would like us to answer on our show, please call our listener l...

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[ Thu, 01 Jan 2009 09:26:00 -0600 ]

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