Лучшие подкасты про Non Qm (2024)

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No One Orders Pizza at Burger King : Include NON QM in your Menu ft. Rudy Orman 49:12

7d ago49:12

49:12

In this in-depth audio episode, Rudy Orman, Senior Vice President at NQM Funding, LLC, joins the show to explore one of the most crucial yet often overlooked segments of the mortgage industry: Non-QM lending. Rudy has a storied career in the mortgage industry, spanning over 35 years, during which he has worked with leading institutions like Goldman…

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2025 Rate Trends : Mortgage, Credit Cards, Cars & More ft. John Toohig 1:00:24

4h ago1:00:24

1:00:24

Join us on The MikedUp Show as we dive deep with John Toohig, Managing Director at Raymond James and head of the Whole Loan Trading Group. John brings years of expertise from the forefront of mortgage trading and portfolio management, sharing insights that blend historical analysis with forward-looking predictions. In this episode, John takes us be…

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Loan Officer Training - 10/31/2024 - Navigating Disputed Accounts in the Loan Application Process 15:57

4d ago15:57

15:57

Disputed accounts can be a stumbling block in the loan application process, impacting everything from credit scores to approval timelines. In this episode of Loan Officer Training, we’ll guide you through the complexities of handling disputed accounts and how they can affect a borrower’s loan eligibility. Learn why disputed accounts matter, how the…

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Samir and Darlene Rashed: Enriching Communities through Homeownership Education 25:26

4d ago25:26

25:26

Samir and Darlene Rashed, the dynamic duo behind Crefco Financial Group. With over 27 years in the mortgage industry, they built a reputation for their commitment to educate, uplift, and inspire communities through home ownership. Their journey began with the purchase of their first home in their early twenties, sparking a passion for helping other…

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Loan Officer Training - 10/30/24 - Unlocking Borrower Potential: Exploring Credit Rescore 20:23

5d ago20:23

20:23

In this insightful episode of Loan Officer Training, we delve into the powerful world of credit rescores and how they can unlock new opportunities for your borrowers. Credit scores play a vital role in loan approval, interest rates, and overall borrower qualification, but they’re not always set in stone. Join us as we explore when and how to use cr…

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Loan Officer Training - 10/29/2024 - Analyzing Self-Employed Borrower Income: Sole Proprietor 15:23

6d ago15:23

15:23

Self-employed borrowers bring unique opportunities—and challenges—for loan officers. In this value-packed episode of Loan Officer Training, we take an in-depth look at how to analyze income for borrowers who operate as sole proprietors. If you've ever been stumped by complex tax returns, wondered how to account for fluctuating earnings, or struggle…

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Building a Top 100 Lender through Culture ft. Keith Canter 56:43

7d ago56:43

56:43

This week on The MikedUp Show, we sit down with Keith Canter, CEO of First Community Mortgage (FCM), a mortgage industry leader known for combining growth with a commitment to people. Keith shares invaluable insights into the journey of evolving from a small mortgage brokerage to one of the most respected mortgage lenders nationwide. With over 25 y…

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Daily Mortgage Rates LIVE - 10/24/2024 - Limited-Review Condo Loans 14:11

8d ago14:11

14:11

In this episode of Daily Mortgage Rates LIVE, we focus on Limited-Review Condo Loans, a specialized financing option designed for buyers looking to purchase condos without going through the full, often complex, condo project review process. Limited-Review Condo Loans streamline the approval process, making it faster and easier for qualified borrowe…

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Loan Officer Training - 10/24/2024 - Mastering Loan Applications: Essential Strategies LOs 30:17

11d ago30:17

30:17

In this episode of Loan Officer Training, we dive into the core of your daily responsibilities—mastering loan applications. Navigating the loan application process efficiently is one of the most critical skills for any loan officer, and in this episode, we’ll equip you with the essential strategies to streamline your workflow, improve client satisf…

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Loan Officer Training - 10/23/2024 -Discovering the Difference: Mortgage Pre-Approval Vs Mortgage Pre-Qualification 17:34

12d ago17:34

17:34

In this episode of Loan Officer Training, we tackle one of the most common questions clients ask: What’s the difference between mortgage pre-approval and pre-qualification? While the terms are often used interchangeably, they serve distinct purposes—and as a loan officer, knowing how to explain these differences can make or break your client’s mort…

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Daily Mortgage Rates LIVE - 10/23/2024 - Bank Statement Loans 13:22

11d ago13:22

13:22

In this episode of Daily Mortgage Rates Live, we take a deep dive into Bank Statement Loans, a flexible mortgage option designed for self-employed individuals, freelancers, and those with non-traditional income streams. If you’ve ever struggled with qualifying for a mortgage because your tax returns don’t reflect your true income, this episode is f…

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Loan Officer Training - 10/22/2024 - Appraisal Review Fundamentals for Loan Officers 16:42

13d ago16:42

16:42

In this episode of Loan Officer Training, we dive into the essential fundamentals of appraisal review for loan officers. As a crucial step in the real estate financing process, understanding how to properly review an appraisal can make or break a loan approval. A thorough appraisal review ensures that the property value aligns with the borrower’s l…

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Daily Mortgage Rates LIVE - 10/22/2024 - Foreign National Borrower Loans 13:24

12d ago13:24

13:24

In this episode of Daily Mortgage Rates Live, we’re shedding light on Foreign National Borrower Loans—a specialized lending option for non-U.S. citizens looking to invest in or purchase property in the United States. With real estate being one of the most sought-after investments, especially for international buyers, understanding the ins and outs …

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Daily Mortgage Rates LIVE - 10/21/2024 - ITIN Borrower Loans 11:38

13d ago11:38

11:38

In this insightful episode of Daily Mortgage Rates Live, we’re tackling an important yet often overlooked topic in the mortgage world—ITIN Borrower Loans. These loans cater to individuals who lack a Social Security Number but hold an Individual Taxpayer Identification Number (ITIN), offering a critical pathway to homeownership for non-U.S. citizens…

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Jess Ford: Coaching with Integrity – Building Leaders and Ethical Salespeople 25:02

18d ago25:02

25:02

Jess Ford is a seasoned professional in the mortgage industry. Born and raised in Detroit, Michigan, she began her career in 2010 as a loan officer after studying business at Eastern Michigan University. During her time at one of the largest consumer direct mortgage lenders in the country, she discovered her passion for learning and development, ga…

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Daily Mortgage Rates LIVE - 10/16/2024 - Profit and Loss Loans 11:22

18d ago11:22

11:22

In this episode of Daily Mortgage Rates LIVE, we dive into the world of Profit & Loss (P&L) Loans, a powerful option for self-employed borrowers and business owners who rely on alternative forms of income documentation. Instead of traditional tax returns, P&L loans allow borrowers to use their profit and loss statements to prove income stability an…

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Loan Officer Training - 10/16/2024 - Evaluating Borrower Assets for Real Estate Financing 35:05

19d ago35:05

35:05

In this episode of Loan Officer Training, we focus on a critical aspect of real estate financing—evaluating borrower assets. When it comes to approving a loan, a borrower's assets play a key role in determining their financial stability and ability to cover down payments, closing costs, and reserves. But what exactly should you look for when review…

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Daily Mortgage Rates LIVE - 10/15/2024 - CDFI No Income Verification Loans 14:34

19d ago14:34

14:34

In this episode of Daily Mortgage Rates LIVE, we explore the rising interest in CDFI No Income Verification Loans, an innovative financing option that’s changing the game for borrowers with unconventional income streams. CDFIs (Community Development Financial Institutions) are known for their mission to provide more flexible lending solutions, and …

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How Loan Officers can Win BIG with Non-QM Lending ft. Nick Pabarcus 54:45

21d ago54:45

54:45

In this insightful episode of The MikedUp Show, Mike Kelleher and Michael Zau sit down with Nick Pabarcus, a powerhouse in the mortgage industry with over 25 years of experience in wholesale and correspondent lending. As the Director of Sales at Logan Finance, Nick brings a wealth of knowledge from his previous roles at loanDepot, Stearns Lending, …

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Daily Mortgage Rates LIVE - 10/11/2024 - 2nd Mortgage HELOCS 13:58

23d ago13:58

13:58

In this episode of "Daily Mortgage Rates LIVE," we’re diving into the world of 2nd Mortgage HELOCs (Home Equity Lines of Credit), a flexible financing option that allows you to tap into your home's equity whenever you need it. If you’re looking for a way to fund a renovation project, cover education expenses, or even consolidate debt, a HELOC could…

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Loan Officer Training 10/10/2024 - Navigating Blanket Loans: Best Practices for Loan Officers 27:25

25d ago27:25

27:25

In this episode of "Loan Officer Training," we’re exploring Blanket Loans—a powerful tool for real estate investors looking to finance multiple properties under one mortgage. For loan officers, understanding how to effectively navigate these loans can open new opportunities with high-value clients and streamline the lending process for portfolio in…

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Daily Mortgage Rates LIVE - 10/10/2024 - 2nd Mortgage HELOANS 12:05

24d ago12:05

12:05

In this episode of "Daily Mortgage Rates LIVE," we explore an exciting opportunity for homeowners looking to make the most of their home equity—2nd Mortgage HELOANS (Home Equity Loans). If you've been wondering how to leverage the value in your home for big projects, debt consolidation, or other financial needs, this episode is a must-listen! 2nd M…

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Loan Officer Training 10/09/2024 - Properly Structuring the Refinance: A Guide for Loan Officers 25:15

26d ago25:15

25:15

In this episode of "Loan Officer Training," we delve into one of the most impactful skills a loan officer can have: Properly Structuring the Refinance. Knowing how to set up a successful refinance deal is crucial to helping your clients achieve their financial goals—whether it's lowering their monthly payments, accessing cash, or paying off their m…

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Daily Mortgage Rates LIVE - 10/09/2024 - Low FICO Score Loans 13:02

25d ago13:02

13:02

In this episode of "Daily Mortgage Rates LIVE," we’re tackling a topic that gives hope to many aspiring homeowners: Low FICO Score Loans. If you’ve been struggling with a less-than-perfect credit score and think homeownership is out of reach, think again—this episode is for you! Having a low credit score doesn't have to be the end of your dreams of…

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Loan Officer Training 10/08/2024 - Mastering Variable Income for Loan Officers 23:25

26d ago23:25

23:25

In this episode of "Loan Officer Training," we’re tackling one of the trickiest challenges loan officers face: Mastering Variable Income. Whether you’re working with self-employed clients, freelancers, or anyone with fluctuating earnings, understanding how to effectively assess and manage variable income is crucial to expanding your client base and…

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Daily Mortgage Rates LIVE - 10/08/2024 - Low and No Ratio DSCR Loans 14:21

26d ago14:21

14:21

In this episode of "Daily Mortgage Rates LIVE," we’re diving into the world of Low and No Ratio DSCR Loans—an innovative approach to real estate financing designed specifically for savvy investors. Whether you’re an experienced real estate investor looking for more flexibility or just starting out, Low and No Ratio DSCR (Debt Service Coverage Ratio…

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Sustainable Revenue Growth and Cohesive Leadership in Mortgage ft. John Hedlund 50:08

28d ago50:08

50:08

In this episode of The MikedUp Show, we sit down with John Hedlund, a distinguished leader in the mortgage industry with a career spanning over three decades. John has played a pivotal role in shaping the financial services landscape, leading some of the largest financial institutions and mortgage lenders in the United States. From his beginnings a…

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Daily Mortgage Rates LIVE - 10/07/2024 - Bank Statement Loans 12:26

27d ago12:26

12:26

In this episode of "Daily Mortgage Rates LIVE," we uncover the untapped potential of Bank Statement Loans—an unconventional yet powerful financing option for self-employed individuals and business owners. Tired of traditional loan applications rejecting you due to fluctuating income? Bank Statement Loans could be the answer. Join our expert hosts a…

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Daily Mortgage Rates LIVE - 10/03/2024 - One-Time Close Construction Loans 16:20

1M ago16:20

16:20

In this episode of Daily Mortgage Rates LIVE!, we’re uncovering the ins and outs of one-time close construction loans. If you’re dreaming of building your own home or embarking on a new construction project, this episode is designed for you. Join us as we explore how one-time close loans streamline the financing process by combining both the constr…

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Paige Zautcke: Mastering Non-QM: The Path to Homeownership and Real Estate Success 21:01

1M ago21:01

21:01

Paige Zautcke is an experienced Account Executive for Open Mortgage Wholesale, specializing in Non-QM and Portfolio Non-Agency programs. With over 20 years in the mortgage industry, Paige has spent the majority of her career working with mortgage brokers and bankers, helping them guide borrowers toward homeownership and building stronger communitie…

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Loan Officer Training - 10/02/2024 - Navigating 1099 Mortgage Loans: A Loan Officer's Guide to Self-Employed Clients 27:15

1M ago27:15

27:15

Are you ready to master the art of working with self-employed clients? In this episode of Loan Officer Training, we break down everything you need to know about navigating 1099 mortgage loans. Learn how to effectively evaluate income, overcome common challenges, and provide tailored solutions for self-employed borrowers. With practical insights and…

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Daily Mortgage Rates LIVE - 10/02/2024 - Renovation Loans 15:31

1M ago15:31

15:31

In this episode of Daily Mortgage Rates LIVE!, we’re exploring the transformative power of renovation loans. If you’ve got your eye on a fixer-upper or want to enhance your current property, this episode is a must-listen. Join us as we discuss the various types of renovation loans available, from FHA 203(k) loans to Fannie Mae HomeStyle options, an…

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Loan Officer Training 10/01/2024 - Master Short-Term Rental Property Loans 25:45

1M ago25:45

25:45

Want to supercharge your loan officer business and become the go-to expert in short-term rental property loans? In this must-listen episode of Loan Officer Training, we reveal the secrets to tapping into the fast-growing short-term rental market. Discover how to assess these lucrative investments, craft perfect loan solutions, and position yourself…

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Daily Mortgage Rates LIVE - 10/01/2024 - Blanket (Portfolio) Loans 17:00

1M ago17:00

17:00

In this episode of Daily Mortgage Rates LIVE!, we’re diving deep into the intriguing world of blanket (portfolio) loans. If you’re an investor managing multiple properties, this financing solution could be your ultimate key to streamlining your investment strategy. Join us as we explore how blanket loans consolidate multiple mortgages into one, sim…

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Closing Difficult Loans in Difficult Times ft. James Hooper 43:48

1M ago43:48

43:48

In this insightful episode of The MikedUp Show, we sit down with James Hooper, Senior Vice President and Production Manager with extensive experience in the financial and mortgage banking industries. James brings decades of leadership, expertise, and wisdom to the table, having started his career as a retail loan officer and growing into executive …

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Daily Mortgage Rates LIVE - 09/30/2024 - Short-Term Rental Property Loans 16:21

1M ago16:21

16:21

In this episode of Daily Mortgage Rates LIVE!, we’re diving deep into the world of short-term rental property loans. With the rise of platforms like Airbnb and VRBO, investing in short-term rentals has never been more enticing—but how do you secure the right financing? Join us as we unpack everything you need to know about short-term rental propert…

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Daily Mortgage Rates LIVE - 09/26/2024 - ITIN Loans 14:00

1M ago14:00

14:00

In this episode of Daily Mortgage Rates Live, we shine a light on a unique mortgage solution—ITIN Loans. If you don’t have a Social Security Number but have an Individual Taxpayer Identification Number (ITIN), this episode is for you! We’ll explain how ITIN loans work, who qualifies, and why they’re a great option for non-U.S. citizens or undocumen…

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Loan Officer Training 09/25/2024 - How To Analyze Interest Rate Fluctuations 17:37

1M ago17:37

17:37

Understanding interest rate fluctuations is crucial for any successful loan officer. In this episode of Loan Officer Training, we dive deep into the world of interest rate analysis—why rates move, how global and domestic factors impact them, and what this means for your clients. Learn how to read market trends, predict shifts, and effectively advis…

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Daily Mortgage Rates LIVE - 09/25/2024 - 1099 Loans 13:14

1M ago13:14

13:14

If you’re an independent contractor, freelancer, or self-employed and receive a 1099 instead of a W-2, you know the struggle of securing a mortgage without traditional income documentation. In this episode of Daily Mortgage Rates Live, we’re unpacking 1099 Loans, a flexible solution designed specifically for those who don’t have a conventional payc…

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Loan Officer Training 09/24/2024 - How To Structure Asset Utilization Loans 19:31

1M ago19:31

19:31

Ready to master the art of structuring Asset Utilization Loans? In this episode of Loan Officer Training, we’re breaking down everything you need to know about this powerful financing option. Asset utilization loans allow borrowers to leverage their liquid assets, rather than traditional income, to qualify for a mortgage—perfect for high-net-worth …

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Climbing to Greatness and Building to Last in Mortgage ft. Bill Lowman 54:38

1M ago54:38

54:38

In this insightful episode of The MikedUp Show, we sit down with Bill Lowman, the current Chairman and former CEO of American Pacific Mortgage (APM), to delve deep into the art of leadership, scaling a business, and fostering a culture that thrives even in the most competitive industries. With over two decades of experience at APM, Bill has been at…

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Daily Mortgage Rates LIVE - 09/23/2024 - Asset Utilization Loans 14:40

1M ago14:40

14:40

In today's episode of Daily Mortgage Rates Live, we’re diving into a powerful and flexible financing tool—Asset Utilization Loans. If you're sitting on significant assets but lack the traditional income streams that banks typically look for, this episode is for you! We’ll break down how these innovative loans work, who qualifies, and why they could…

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Daily Mortgage Rates LIVE - 09/20/2024 - VA Loans 11:30

1M ago11:30

11:30

Welcome to Daily Mortgage Rates LIVE! In today’s episode, we’re focusing on VA loans—a powerful home financing option available to veterans, active duty service members, and their families. If you’ve served in the military or are currently serving, this episode is a must-listen. We’ll delve into the unique advantages of VA loans, including the bene…

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Loan Officer Training 09/19/2024 - How to Review a Real Estate Purchase Contract 18:39

2M ago18:39

18:39

Welcome to Loan Officer Training! In this episode, we’re delving into the crucial skill of reviewing a real estate purchase contract. Whether you're new to the industry or looking to sharpen your skills, understanding the intricacies of a purchase contract is essential for facilitating smooth and successful real estate transactions. We’ll guide you…

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Daily Mortgage Rates LIVE - 09/19/2024 - USDA Loans 11:54

2M ago11:54

11:54

Welcome back to Daily Mortgage Rates LIVE! In today’s episode, we're exploring USDA loans—a fantastic financing option for those looking to buy a home in rural or suburban areas. If you’ve ever wondered how to make homeownership more accessible in less populated regions, this episode is for you! We’ll break down what USDA loans are, how they work, …

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H. Edward Gallatin: Proactive Tax Strategies for Real Estate Success 24:15

2M ago24:15

24:15

H. Edward Gallatin, MBA, CPA, CTRS, a lifelong resident of the Wabash Valley is a distinguished professional with extensive academic background and a profound commitment to his community. With a foundation from Indiana State University including a Bachelor of Science in Political Science (1980), Bachelor of Science in Accounting (1996), and a Maste…

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Loan Officer Training 09/18/2024 - How to Disclose a Loan Without Tolerance Cures 13:11

2M ago13:11

13:11

Welcome to Loan Officer Training! In today’s episode, we're tackling the intricacies of loan disclosures and focusing on how to handle situations where tolerance cures aren’t necessary. Understanding how to properly disclose a loan without resorting to tolerance cures is key to maintaining compliance and ensuring a smooth loan process. We’ll start …

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Daily Mortgage Rates LIVE - 09/18/2024 - FHA Loans 13:24

2M ago13:24

13:24

Welcome to another episode of Daily Mortgage Rates LIVE! In today’s installment, we’re diving deep into the world of FHA loans—one of the most popular options for homebuyers and refinancing. Whether you're a first-time buyer or looking to upgrade, understanding FHA loans could be your key to unlocking the door to your dream home. Join us as we brea…

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Loan Officer Training 09/17/2024 - How to Calculate Debt-to Income Ratios 22:25

2M ago22:25

22:25

Welcome to Loan Officer Training! In this episode, we’re diving into one of the most crucial metrics in lending: the debt-to-income (DTI) ratio. Understanding and accurately calculating DTI is essential for assessing a borrower’s financial health and their ability to manage additional debt. Join us as we break down the process of calculating DTI ra…

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Daily Mortgage Rates LIVE - 09/17/2024 - Conventional "Affordable" Loans 15:57

2M ago15:57

15:57

In this episode of Daily Mortgage Rates LIVE!, we explore Conventional "Affordable" Loans and what they mean for today’s homebuyers. We’ll break down the key features of these loans, including eligibility criteria, benefits, and how they compare to other loan options. Discover how Conventional "Affordable" Loans can make homeownership more accessib…

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