Christian Penner's Blog
16
Aug

Sellers: Your Home is an Oasis in an Inventory Desert

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Sellers: Your Home is an Oasis in an Inventory Desert

First-time homebuyers are flocking to the real estate market by the thousands to find their dream homes in order to make their dreams of homeownership a reality. Unfortunately for many, the inventory of starter and trade-up homes in the US has struggled to keep up with demand!

According to the National Association of Realtors (NAR), the inventory of homes for sale dropped 7.1% year-over-year to a 4.3-month supply and is down for the 25th consecutive month.

Some homeowners may be hesitant to list their homes for sale because they are worried that they will also have a problem finding a home to buy and move in to. This is a legitimate concern; no one wants to sell their home quickly and not have anywhere to live.

But there is good news! If you are thinking of moving up to a luxury or premium home, there is more inventory available in these markets and you may even get a great deal on a home that has been on the market for a while.

If you are the owner of a starter home and you are looking to move into a trade-up home, or if you are just looking to relocate to a new area in a home of the same size, there is still hope!

In many markets, homeowners are building contingency plans into their contracts. This means that the homeowner builds in extra time before they close in order to find their dream home and they are upfront about the contingency with any buyers who come to see the house.

Your home is an oasis to buyers who are searching for homes in today’s market. The right buyers will sympathize and wait for you and your family to find your next home.

Bottom Line

Don’t let the fear of not finding a home to move in to stop you from moving on with your life. Let’s get together to discuss ways to set expectations with potential buyers from the start.

 

 

 

 

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Questions, Comments or For more information you can contact Christian Penner at: (561) 316-6800 or Office Text Line: 561-530-2223 - visit us online at www.ChristianPenner.com

The Christian Penner Mortgage Team,

Buyer Referral Hotline : (561) 316-6800


Or You can click "Call Me" below to call Christian Penner directly using Google Voice


blackwhite#ChristianPenner, #MortgageBrokerWestPalmBeach talks about #RealEstateWestPalmBeach. He also serves other Local Areas and provides home #MortgageSolutionsforPalmBeachGardens, #Jupiter, #BocaRaton, #Wellington and #Tequesta. #ChristianPennerMortgageBrokerJupiter has the #lowestmortgagerates and the best #homemortgage programs like; #Jumboloans, #FHAHomeLoans, #VAHomeLoans, #ReverseMortgageHomeLoans, #FreddieMacHomeLoans, #FannieMaeHomeLoans and #HARPMortgageLoans. #ChristianPennerMortgageBrokerPalmBeachGardens has Served the area for over 15 years with his #HomeLoanLending Needs and Works with #TheChristianPennerMortgageTeam.
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- - -

Christian Penner
712 U.S. Highway 1 North #300, North Palm Beach, FL 33408

Buyer Referral Hotline: (561) 316-6800 | Office Text Line: (561) 530-2223

15
Aug

Homes Are Selling Quickly Nationwide

Christian Penner,#ChristianPenner, Christian Penner Home Loan Company,#ChristianPennerHomeLoanCompany, Current Mortgage Rates,#CurrentMortgageRates, FHA loan,#FHAloan, FHA loans,#FHAloans, FHA Mortgage Financing Specialist,#FHAMortgageFinancingSpecialist, FHA Mortgage Lenders,#FHAMortgageLenders, FHA VA Financing Specialist,#FHAVAFinancingSpecialist, Harp Refinance,#HarpRefinance, Home Finance Mortgage,#HomeFinanceMortgage, Home Loan,#HomeLoan, Home Loan Company,#HomeLoanCompany, Home Mortgage,#HomeMortgage, Home Mortgage New,#HomeMortgageNew, Lenders Mortgage,#LendersMortgage, Mortgage,#Mortgage, Mortgage Banker,#MortgageBanker, Mortgage Banker West Palm Beach,#MortgageBankerWestPalmBeach, Mortgage Broker,#MortgageBroker, Mortgage Broker Florida,#MortgageBrokerFlorida, Mortgage Broker West Palm Beach,#MortgageBrokerWestPalmBeach, Mortgage Broker West Palm Beach,#MortgageBrokerWestPalmBeach, Mortgage Brokers,#MortgageBrokers, Mortgage Brokers West Palm Beach,#MortgageBrokersWestPalmBeach, Mortgage Companies,#MortgageCompanies, Mortgage Company,#MortgageCompany, Mortgage Lender West Palm Beach,#MortgageLenderWestPalmBeach, Mortgage Lender West Palm Beach,#MortgageLenderWestPalmBeach, Mortgage Lenders,#MortgageLenders, Mortgage Loan Lender,#MortgageLoanLender, Mortgage Loan Lenders,#MortgageLoanLenders, Mortgage Loans,#MortgageLoans, Mortgage Rate,#MortgageRate, Mortgage West,#MortgageWest, Palm Beach Mortgage Broker,#PalmBeachMortgageBroker, Palm Beach Mortgage Broker,#PalmBeachMortgageBroker, Palm Beach Mortgage Company,#PalmBeachMortgageCompany, Real Estate,#RealEstate, Real Estate,#RealEstate, Real Estate Home,#RealEstateHome, Real Estate Home,#RealEstateHome, Real Estate West Palm Beach,#RealEstateWestPalmBeach, Realtor,#Realtor, Realtor West Palm Beach,#RealtorWestPalmBeach, Refinance,#Refinance, Refinance A Mortgage,#RefinanceAMortgage, Refinance Home Loans,#RefinanceHomeLoans, Refinance Mortgage Lenders,#RefinanceMortgageLenders, VA Financing Specialist,#VAFinancingSpecialist, VA Home Loan Expert,#VAHomeLoanExpert, VA Home Loans,#VAHomeLoans,

Homes Are Selling Quickly Nationwide

The National Association of Realtors (NAR) recently released their latest Existing Home Sales Report, which revealed that homes were on the market for an average of 28 days in June. This is a slight increase from the 27 days reported in May, but down from 34 days reported a year ago.

54% of homes across the country were on the market for less than a month in June!

Among the 27 states with homes selling in 30 days or less are Washington, Utah, California, and Colorado. The map below was created using results from NAR’s Monthly Realtors Confidence Index Survey.

Homes Are Selling Quickly Nationwide | Simplifying The Market

Bottom Line

Buyer demand is increasing as the inventory of homes available for sale remains low. If you are thinking about listing your home for sale this year, let’s meet up so I can help you take advantage of current market conditions!

 

 

 

 

Read from source..>>

 


Questions, Comments or For more information you can contact Christian Penner at: (561) 316-6800 or Office Text Line: 561-530-2223 - visit us online at www.ChristianPenner.com

The Christian Penner Mortgage Team,

Buyer Referral Hotline : (561) 316-6800


Or You can click "Call Me" below to call Christian Penner directly using Google Voice


blackwhite#ChristianPenner, #MortgageBrokerWestPalmBeach talks about #RealEstateWestPalmBeach. He also serves other Local Areas and provides home #MortgageSolutionsforPalmBeachGardens, #Jupiter, #BocaRaton, #Wellington and #Tequesta. #ChristianPennerMortgageBrokerJupiter has the #lowestmortgagerates and the best #homemortgage programs like; #Jumboloans, #FHAHomeLoans, #VAHomeLoans, #ReverseMortgageHomeLoans, #FreddieMacHomeLoans, #FannieMaeHomeLoans and #HARPMortgageLoans. #ChristianPennerMortgageBrokerPalmBeachGardens has Served the area for over 15 years with his #HomeLoanLending Needs and Works with #TheChristianPennerMortgageTeam.
#AskMeAboutAMortgage #PalmBeachMortgageLender #WestPalmBeachMortgageLender #PalmBeachGardensMortgageLender
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- - -

Christian Penner
712 U.S. Highway 1 North #300, North Palm Beach, FL 33408

Buyer Referral Hotline: (561) 316-6800 | Office Text Line: (561) 530-2223

9
Aug

Housing Inventory Hits 30-Year Low

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Housing Inventory Hits 30-Year Low

Spring is traditionally the busiest season for real estate. Buyers, experiencing cabin fever all winter, emerge like flowers through the snow in search of their dream home. Homeowners, in preparation for the increased demand, are enticed to list their house for sale and move on to the home that will better fit their needs.

New data from CoreLogic shows that even though buyers came out in force, as predicted, homeowners did not make the jump to list their home in the second quarter of this year. Frank Nothaft, Chief Economist for CoreLogic had this to say,

“The growth in sales is slowing down, and this is not due to lack of affordability, but rather a lack of inventory. As of Q2 2017, the unsold inventory as a share of all households is 1.9 percent, which is the lowest Q2 reading in over 30 years.”

CoreLogic’s President & CEO, Frank Martell added,

Home prices are marching ever higher, up almost 50 percent since the trough in March 2011.

While low mortgage rates are keeping the market affordable from a monthly payment perspective, affordability will likely become a much bigger challenge in the years ahead until the industry resolves the housing supply challenge.”

Overall inventory across the United States is down for the 25th consecutive month according to the latest report from the National Association of Realtors and now stands at a 4.3-month supply.

Real estate is local.

Market conditions in the starter and trade-up home markets are in line with the median US figures, but conditions in the luxury and premium markets are following an opposite path. Premium homes are staying on the market longer with ample inventory to suggest a buyer’s market.

Bottom Line

Buyers are out in force, and there has never been a better time to move-up to a premium or luxury home. If you are considering selling your starter or trade-up home and moving up this year, let’s get together to discuss the exact conditions in our area.

 

 

 

Read from source..>>

 


Questions, Comments or For more information you can contact Christian Penner at: (561) 316-6800 or Office Text Line: 561-530-2223 - visit us online at www.ChristianPenner.com

The Christian Penner Mortgage Team,

Buyer Referral Hotline : (561) 316-6800


Or You can click "Call Me" below to call Christian Penner directly using Google Voice


blackwhite#ChristianPenner, #MortgageBrokerWestPalmBeach talks about #RealEstateWestPalmBeach. He also serves other Local Areas and provides home #MortgageSolutionsforPalmBeachGardens, #Jupiter, #BocaRaton, #Wellington and #Tequesta. #ChristianPennerMortgageBrokerJupiter has the #lowestmortgagerates and the best #homemortgage programs like; #Jumboloans, #FHAHomeLoans, #VAHomeLoans, #ReverseMortgageHomeLoans, #FreddieMacHomeLoans, #FannieMaeHomeLoans and #HARPMortgageLoans. #ChristianPennerMortgageBrokerPalmBeachGardens has Served the area for over 15 years with his #HomeLoanLending Needs and Works with #TheChristianPennerMortgageTeam.
#AskMeAboutAMortgage #PalmBeachMortgageLender #WestPalmBeachMortgageLender #PalmBeachGardensMortgageLender
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- - -

Christian Penner
712 U.S. Highway 1 North #300, North Palm Beach, FL 33408

Buyer Referral Hotline: (561) 316-6800 | Office Text Line: (561) 530-2223

7
Aug

How Long Do Most Families Stay in Their Home?

Christian Penner,#ChristianPenner, Christian Penner Home Loan Company,#ChristianPennerHomeLoanCompany, Current Mortgage Rates,#CurrentMortgageRates, FHA loan,#FHAloan, FHA loans,#FHAloans, FHA Mortgage Financing Specialist,#FHAMortgageFinancingSpecialist, FHA Mortgage Lenders,#FHAMortgageLenders, FHA VA Financing Specialist,#FHAVAFinancingSpecialist, Harp Refinance,#HarpRefinance, Home Finance Mortgage,#HomeFinanceMortgage, Home Loan,#HomeLoan, Home Loan Company,#HomeLoanCompany, Home Mortgage,#HomeMortgage, Home Mortgage New,#HomeMortgageNew, Lenders Mortgage,#LendersMortgage, Mortgage,#Mortgage, Mortgage Banker,#MortgageBanker, Mortgage Banker West Palm Beach,#MortgageBankerWestPalmBeach, Mortgage Broker,#MortgageBroker, Mortgage Broker Florida,#MortgageBrokerFlorida, Mortgage Broker West Palm Beach,#MortgageBrokerWestPalmBeach, Mortgage Broker West Palm Beach,#MortgageBrokerWestPalmBeach, Mortgage Brokers,#MortgageBrokers, Mortgage Brokers West Palm Beach,#MortgageBrokersWestPalmBeach, Mortgage Companies,#MortgageCompanies, Mortgage Company,#MortgageCompany, Mortgage Lender West Palm Beach,#MortgageLenderWestPalmBeach, Mortgage Lender West Palm Beach,#MortgageLenderWestPalmBeach, Mortgage Lenders,#MortgageLenders, Mortgage Loan Lender,#MortgageLoanLender, Mortgage Loan Lenders,#MortgageLoanLenders, Mortgage Loans,#MortgageLoans, Mortgage Rate,#MortgageRate, Mortgage West,#MortgageWest, Palm Beach Mortgage Broker,#PalmBeachMortgageBroker, Palm Beach Mortgage Broker,#PalmBeachMortgageBroker, Palm Beach Mortgage Company,#PalmBeachMortgageCompany, Real Estate,#RealEstate, Real Estate,#RealEstate, Real Estate Home,#RealEstateHome, Real Estate Home,#RealEstateHome, Real Estate West Palm Beach,#RealEstateWestPalmBeach, Realtor,#Realtor, Realtor West Palm Beach,#RealtorWestPalmBeach, Refinance,#Refinance, Refinance A Mortgage,#RefinanceAMortgage, Refinance Home Loans,#RefinanceHomeLoans, Refinance Mortgage Lenders,#RefinanceMortgageLenders, VA Financing Specialist,#VAFinancingSpecialist, VA Home Loan Expert,#VAHomeLoanExpert, VA Home Loans,#VAHomeLoans,

How Long Do Most Families Stay in Their Home?

The National Association of Realtors (NAR) keeps historical data on many aspects of homeownership. One of the data points that has changed dramatically is the median tenure of a family in a home, meaning how long a family stays in a home prior to moving. As the graph below shows, for over twenty years (1985-2008), the median tenure averaged exactly six years. However, since 2008, that average is almost nine years – an increase of almost 50%.

How Long Do Most Families Stay in Their Home? | Simplifying The Market

Why the dramatic increase?

The reasons for this change are plentiful!

The fall in home prices during the housing crisis left many homeowners in a negative equity situation (where their home was worth less than the mortgage on the property). Also, the uncertainty of the economy made some homeowners much more fiscally conservative about making a move.

With home prices rising dramatically over the last several years, 93.9% of homes with a mortgage are now in a positive equity situation with 78.8% of them having at least 20% equity, according to CoreLogic.

With the economy coming back and wages starting to increase, many homeowners are in a much better financial situation than they were just a few short years ago.

One other reason for the increase was brought to light by NAR in their 2017 Home Buyer and Seller Generational Trends Report. According to the report,

Sellers 36 years and younger stayed in their home for six years…”

These homeowners who are either looking for more space to accommodate their growing families or for better school districts are more likely to move more often (compared to 10 years for typical sellers in 2016). The homeownership rate among young families, however, has still not caught up to previous generations, resulting in the jump we have seen in median tenure!

What does this mean for housing?

Many believe that a large portion of homeowners are not in a house that is best for their current family circumstance; They could be baby boomers living in an empty, four-bedroom colonial, or a millennial couple living in a one-bedroom condo planning to start a family.

These homeowners are ready to make a move, and since a lack of housing inventory is still a major challenge in the current housing market, this could be great news.

 

 

 

 

Read from source..>>

 


Questions, Comments or For more information you can contact Christian Penner at: (561) 316-6800 or Office Text Line: 561-530-2223 - visit us online at www.ChristianPenner.com

The Christian Penner Mortgage Team,

Buyer Referral Hotline : (561) 316-6800


Or You can click "Call Me" below to call Christian Penner directly using Google Voice


blackwhite#ChristianPenner, #MortgageBrokerWestPalmBeach talks about #RealEstateWestPalmBeach. He also serves other Local Areas and provides home #MortgageSolutionsforPalmBeachGardens, #Jupiter, #BocaRaton, #Wellington and #Tequesta. #ChristianPennerMortgageBrokerJupiter has the #lowestmortgagerates and the best #homemortgage programs like; #Jumboloans, #FHAHomeLoans, #VAHomeLoans, #ReverseMortgageHomeLoans, #FreddieMacHomeLoans, #FannieMaeHomeLoans and #HARPMortgageLoans. #ChristianPennerMortgageBrokerPalmBeachGardens has Served the area for over 15 years with his #HomeLoanLending Needs and Works with #TheChristianPennerMortgageTeam.
#AskMeAboutAMortgage #PalmBeachMortgageLender #WestPalmBeachMortgageLender #PalmBeachGardensMortgageLender
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- - -

Christian Penner
712 U.S. Highway 1 North #300, North Palm Beach, FL 33408

Buyer Referral Hotline: (561) 316-6800 | Office Text Line: (561) 530-2223

1
Aug

The Fannie Mae Selling Guide has been updated to simplify Desktop Unde

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The Fannie Mae Selling Guide has been updated to simplify Desktop Underwriter/Desktop Originator Release Notes DU Version 10.1

 

The Fannie Mae Selling Guide has been updated to simplify underwriting by implementing updated policies related to the Desktop Underwriter® (DU®) 10.1 release. Read about these updates in Selling Guide Announcement SEL-2017-06. For a summary of key updates in this Selling Guide Announcement, view the executive perspectives video presented by Jude Landis, Vice President, Credit Policy, and the executive overview from Carlos Perez, Chief Credit Officer for Single-Family.

During the weekend of July 29, 2017, Fannie Mae will implement Desktop Underwriter® (DU®) Version 10.1, which will include the changes described below.

The changes in this release will apply to new loan casefiles submitted to DU on or after the weekend of July 29, 2017. Loan casefiles created in DU Version 10.0 and resubmitted after the weekend of July 29 will continue to be underwritten through DU Version 10.0.

Selling Guide Updates The Selling Guide has been updated to include changes to the following:

? Debt-to-Income Ratios

? ARM Enhancements

? Employment Offers or Contracts

? Fidelity Bond and Errors and Omissions

? Disputed Tradelines

? Timeshare Accounts

? Simplification of Document Custody Requirements

? Student Loan Clarifications

? Alimony Treatment

? Mortgages Paid by Others

? Miscellaneous Selling Guide Updates

Each update is described below. The affected topics for each policy change are listed in the Attachment. The Selling Guide provides full details of the policy changes. The updated topics are dated July 25, 2017.

 

fannie mae

 

DU Risk Assessment

As part of normal business operations, DU is regularly reviewed to determine whether its risk analysis is appropriate based on new data and loan performance information. DU Version 10.1 will include an update to the DU credit risk assessment and eligibility requirements.

Based on an analysis of recent loan casefiles submitted to DU, the new risk assessment is expected to increase the percentage of Approve/Eligible recommendations lenders receive, specifically those with debt-to-income ratios between 45% and 50%.

DU Version 10.1 will evaluate loan casefiles using the same risk factors currently evaluated in DU Version 10.0.

 

Maximum Allowable DTI

The maximum allowable debt-to-income ratio (DTI) in DU will be adjusted in DU Version 10.1. Under the adjustment, DU will consider applications with a maximum DTI of 50%. For DTIs above 45% and up to 50%, DU will no longer require certain additional compensating factors. If the DTI on a loan casefile exceeds the maximum allowable DTI of 50%, the loan casefile will receive an Ineligible recommendation.

DU Refi Plus™ loan casefiles submitted to DU Version 10.1 will continue to be subject to the maximum allowable DTI applied to DU Refi Plus loan casefiles in DU Version 10.0.

 

Disputed Tradelines

DU Version 10.1 will include an updated risk assessment and messaging for loan casefiles for borrowers with disputed tradelines. DU will first assess the risk of the loan casefile using all tradelines reported as disputed by the borrower. When DU issues an Approve recommendation using the disputed tradelines, no further documentation of the disputed tradeline will be needed and the following message will be issued.

The following tradeline(s) were identified by DU as disputed by the borrower. Because DU issued an Approve recommendation when including the disputed information in the credit risk assessment, no further action is necessary.

 

Creditor Account Number Account Type
ABC Creditor 123456789 Installment

 

When the loan casefile does not receive an Approve recommendation using the disputed tradeline in the risk assessment, the risk will then be assessed with the disputed tradeline excluded and DU will issue the following message:

The following tradeline(s) were identified by DU as disputed by the borrower. Because DU was not able to issue an Approve recommendation when including the disputed information in the credit risk assessment, the lender must determine if the disputed account belongs to the borrower and confirm the accuracy and completeness of the information on the tradeline. If the borrower is not responsible for the account or the information on the tradeline does not accurately and completely report the account, no further action is necessary regarding the disputed tradeline. If the borrower is responsible for the account and the tradeline information accurately and completely reports the account, the lender may manually underwrite the loan if the transaction is eligible for manual underwriting.

 

Creditor Account Number Account Type
ABC Creditor 123456789 Installment

 

N O TE: Tradelines reported as medical debt will continue to be excluded from the disputed tradeline identification. Lenders are not required to investigate the disputed medical tradelines.

 

ARM LTV Ratios

With DU Version 10.1 the maximum allowable LTV, CLTV, and HCLTV ratios (LTV ratios) for adjustable-rate mortgages will be aligned with fixed-rate mortgage LTV ratios for all transaction, occupancy, and property types, up to a maximum of 95%.

 

N O TE: More information about these enhancements for manually underwritten loans will be provided in a future Selling Guide update. ARM loans with the higher LTV ratios can be delivered as whole loans on or after September 1, 2017, or delivered into MBS with pool issue dates on or after September 1, 2017.

 

Self-Employment Income Documentation

The criteria that determines the documentation required to verify a self-employed borrower’s income will be updated. The number of DU loan casefiles eligible for the one year of personal and business tax return documentation requirements will increase.

 

DU Validation Service

The following DU validation service updates will be made with DU Version 10.1.

 

Income and Employment Updates

The DU validation service will now validate income and employment for a borrower that has both self-employment income that can be validated using tax transcript information and base, bonus, overtime, and/or commission income that can be validated using an income report. If all of the required information is not received (both an income report and tax transcript information), a message will be issued stating that the income and/or employment could not be validated because all documents were not available for income validation.

The message issued when employment has not been validated will also be updated to specify that if employment cannot be validated, income from that employer may not be validated. The message will now state that employment could not be validated, and as a result messages related to income validation may have changed or been removed.

 

Desktop Originator® (DO®)/DU User Interface Update

The weekend of July 29, 2017, the name of the 3rd Party Data Provider field on the Additional Data section of the DO/DU User Interface will be updated to “Report Supplier.” This change will align with terminology used in the DU Validation Service Reference Guide.

 

Property Inspection Waiver

The following updates will be made to the Property Inspection Waiver (PIW) offer in DU.

 

PIW for Preliminary Findings

When the PIW offer was enhanced in December 2016, DO users would only see the offer on loan casefiles underwritten using a sponsoring lender. With DU Version 10.1, DO loan casefiles underwritten using Preliminary Findings will now be eligible for the PIW offer.

 

Message Update

The PIW message will be updated to include a statement reminding lenders that DU is not able to identify all criteria that would cause a loan to be ineligible for the PIW. If the transaction is identified as ineligible in the Selling Guide, the lender may not exercise the PIW that was issued by DU. Examples of this are HomeStyle® Energy mortgages, community land trusts or properties with resale restrictions (when the Affordable LTV indication is not used in DU), and Texas Section 50(a)(6) mortgages.

 

Updates to Align with the Selling Guide

 

Student Loan Cash-out Refinance

Selling Guide Announcement SEL-2017-04 introduced requirements related to the Student Loan Cash-Out Refinance. DU will issue a message on cash-out refinance transactions where only subject property liens and student loans are marked paid by close. This message will specify that the transaction is a cash-out refinance and that it appears the borrower is only paying off the subject property mortgage(s) and student loans. The message will also remind lenders that if the loan qualifies as a Student Loan Cash-Out Refinance the maximum amount of cash back to borrower at closing is the lesser of 2% or $2,000, and the loan must be delivered with Special Feature Code (SFC) 841.

 

Employment Offer Message

A new message will be issued to specify the requirements that apply to borrowers who have a contract to start a job, but will not begin employment before loan closing. Existing policy is also being updated to provide the option for delivery of the loan prior to the borrower starting employment when additional eligibility requirements are met.

On primary residence, one-unit, purchase transactions when the years and months on job in DU are 0 or blank, DU will issue a message specifying the requirements specific to these transactions. The message will indicate that if the lender does not obtain a paystub and confirm the borrower has started employment prior to delivery of the mortgage loan, the lender must confirm the loan meets the additional eligibility requirements of the updated policy, and that the loan must be delivered with SFC 707.

 

N O TE: The details of the updated policy will be provided in a future Selling Guide update.

 

Multiple Financed Properties Updates

The message issued by DU when the loan casefile received an Ineligible recommendation for not meeting the minimum amount of reserves required for the subject property and/or the other financed properties will be updated to include the dollar amount of the reserves required.

The other financed properties (not associated to the principal residence or the subject property) reserve calculation will also be updated. In DU Version 10.0, the calculation includes the unpaid principal balance (UPB) of any open/active mortgage or home equity line of credit (HELOC) reported on the credit report that is not disclosed on the loan application. With DU Version 10.1, DU will no longer include the UPB of the credit report mortgages or HELOCs not disclosed on the loan application. Instead, DU will issue a new message that lists these credit report mortgages or HELOCs so lenders can ensure the minimum reserve requirement for other financed properties is accurately calculated, and that all open/active mortgages are entered on the loan application.

 

Site Condo References

Selling Guide Announcement SEL-2016-08 removed the project review requirements for a subset of detached condos commonly referred to as “site condos,” and Selling Guide Announcement SEL-2017-01 required that SFC 917 be provided when a site condo loan is delivered. The DU project review message issued on detached condominiums will be updated to state that if the property is a site condo a review is not required, and the DU message that lists any applicable SFCs will be updated to issue SFC 917 on detached condominiums. Lenders remain responsible for determining if the loan is secured by a site condo.

 

Treatment of Timeshares

Certain timeshare installment loans are reported in the credit report data as mortgage-related. In DU Version 10.0, these agreements would be considered a mortgage and the appropriate mortgage delinquency requirements are applied. DU Version 10.1 will treat all timeshare loans as installment loans.

 

Homebuyer Education Message Updates

The homebuyer education messages will be updated to take into account information provided in the Homebuyer Education Completion Indicator.

  • When no indication is provided in the Homebuyer Education Completion Indicator, DU will issue a message reminding the lender that at least one borrower signing the Note must have used one of the homebuyer education options specified in the Selling Guide prior to the closing of the mortgage loan.
  • When “Homebuyer Education complete” is provided, DU will issue a message stating that based on the Homebuyer Education Completion Indicator at least one borrower on the loan has completed some type of homebuyer education. DU will also specify that the borrower must have used one of the homebuyer education options specified in the Selling Guide.
  • When option “One-on-one counseling complete” is provided, DU will continue to issue the message stating that based on the Loan Homebuyer Education Completion Indicator at least one borrower on the loan has completed one-on-one counseling, and that documentation of the completion of the pre-purchase counseling must be provided on Fannie Mae Form 1017.

 

The Homebuyer Education Completion Indicator in the DO/DU user interface will also be updated to remove the Yes and No options that were previously included as options in that field.

 

N O TE: The homebuyer education messages are issued on HomeReady® mortgage loan casefiles, and loan casefiles where no borrower has traditional credit.


DO/DU User Interface Updates for HMDA Fields

On September 23, 2016, the Consumer Financial Protection Bureau (CFPB) published a final rule amending Regulation C to implement amendments to the Home Mortgage Disclosure Act (HMDA). Among other changes, the final rule modified the reportable data requirements related to the collection of borrower ethnicity, race, and gender. Lenders are required to collect the new and amended borrower demographic information in the Uniform Residential Loan Application (URLA) on loan applications taken on or after January 1, 2018. The DO/DU user interface will be updated the weekend of July 29, 2017 to support these requirements.

 

N O TE: Refer to the DU Version 10.1 Integration Impact Memo for additional information on the data mapping of the new/updated HMDA fields.

 

Miscellaneous Message Text Changes

Various DU messages will be updated to provide clarity and consistency with the Selling Guide.

 

Retirement of DU Version 9.3

With the release of DU Version 10.1, DU Version 9.3 will be retired. Therefore, effective the weekend of July 29, 2017, customers will no longer be able to resubmit loan casefiles to DU Version 9.3. Customers will continue to be able to view online loan applications and DU Underwriting Findings reports that were created under DU Version 9.3. To obtain an updated underwriting recommendation after the weekend of July 29, customers must create a new loan casefile and submit it to DU.

 

N O TE: DU Version 9.3 loan casefiles would have been created prior to September 24, 2016; therefore those loan casefiles would have been underwritten at least ten months prior to the retirement of DU Version 9.3.

 

For More Information

For more information about these Release Notes, lenders may contact their Fannie Mae customer delivery team; and mortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an Integration Impact Memo will be posted on the Technology Integration page.

 

 

 

Read from source..>>

 

//


Questions, Comments or For more information you can contact Christian Penner at: (561) 316-6800 or Office Text Line: 561-530-2223 - visit us online at www.ChristianPenner.com

The Christian Penner Mortgage Team,

Buyer Referral Hotline : (561) 316-6800


Or You can click "Call Me" below to call Christian Penner directly using Google Voice


blackwhite#ChristianPenner, #MortgageBrokerWestPalmBeach talks about #RealEstateWestPalmBeach. He also serves other Local Areas and provides home #MortgageSolutionsforPalmBeachGardens, #Jupiter, #BocaRaton, #Wellington and #Tequesta. #ChristianPennerMortgageBrokerJupiter has the #lowestmortgagerates and the best #homemortgage programs like; #Jumboloans, #FHAHomeLoans, #VAHomeLoans, #ReverseMortgageHomeLoans, #FreddieMacHomeLoans, #FannieMaeHomeLoans and #HARPMortgageLoans. #ChristianPennerMortgageBrokerPalmBeachGardens has Served the area for over 15 years with his #HomeLoanLending Needs and Works with #TheChristianPennerMortgageTeam.
#AskMeAboutAMortgage #PalmBeachMortgageLender #WestPalmBeachMortgageLender #PalmBeachGardensMortgageLender
You Can Also Find Him On
fb mortgageFacebook at: https://web.facebook.com/YourMortgageBanker/

- - -

Christian Penner
712 U.S. Highway 1 North #300, North Palm Beach, FL 33408

Buyer Referral Hotline: (561) 316-6800 | Office Text Line: (561) 530-2223

1
Aug

Be Careful Not to Get Caught in The Rental Trap!

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Be Careful Not to Get Caught in The Rental Trap!

There are many benefits to homeownership. One of the top benefits is being able to protect yourself from rising rents by locking in your housing cost for the life of your mortgage.

Don’t Become Trapped 

A recent article by ConsumerAffairs addressed the continuous rise in rents, stating:

“The cost of putting a roof over your head continues to go up. Not only are home prices still rising, but the cost of rent rose 0.5% in June.”

Additionally, in the Joint Center for Housing Studies at Harvard University’s 2017 State of the Nation’s Housing Report, it was revealed that,

“Despite a slight improvement from 2014, fully one-third of US households paid more than 30 percent of their incomes for housing in 2015. Renters continue to be more likely to face cost burdens…the number of cost-burdened renters (21 million) considerably outstrips the number of cost-burdened owners (18 million) even though nearly two-thirds of US households own their homes.”

These households struggle to save for a rainy day and pay other bills, including groceries and healthcare.

It’s Cheaper to Buy Than Rent 

As we have previously mentioned, the results of the latest Rent vs. Buy Report from Trulia shows that homeownership remains cheaper than renting with a traditional 30-year fixed rate mortgage in the 100 largest metro areas in the United States.

The updated numbers show that the range is an average of 3.5% less expensive in San Jose (CA), all the way up to 50.1% less expensive in Baton Rouge (LA), and 33.1% nationwide!

Know Your Options

Perhaps you have already saved enough to buy your first home. A nationwide survey of about 24,000 renters found that 80% of millennial renters plan to eventually buy a house, but 72% cite affordability as their primary obstacle. Aside from affordability, one in three millennial renters have concerns about their credit scores, and another 53% said that a down payment is an obstacle.

Many first-time homebuyers who believe that they need a large down payment may be holding themselves back from their dream homes. As we have reported before, in many areas of the country, a first-time home buyer can save for a 3% down payment in less than two years. You may have already saved enough!

Bottom Line

Don’t get caught in the trap that so many renters are currently in. If you are ready and willing to buy a home, find out if you are able. Let’s get together to determine if you can qualify for a mortgage now!

 

 

 

Read from source..>>

 


Questions, Comments or For more information you can contact Christian Penner at: (561) 316-6800 or Office Text Line: 561-530-2223 - visit us online at www.ChristianPenner.com

The Christian Penner Mortgage Team,

Buyer Referral Hotline : (561) 316-6800


Or You can click "Call Me" below to call Christian Penner directly using Google Voice


blackwhite#ChristianPenner, #MortgageBrokerWestPalmBeach talks about #RealEstateWestPalmBeach. He also serves other Local Areas and provides home #MortgageSolutionsforPalmBeachGardens, #Jupiter, #BocaRaton, #Wellington and #Tequesta. #ChristianPennerMortgageBrokerJupiter has the #lowestmortgagerates and the best #homemortgage programs like; #Jumboloans, #FHAHomeLoans, #VAHomeLoans, #ReverseMortgageHomeLoans, #FreddieMacHomeLoans, #FannieMaeHomeLoans and #HARPMortgageLoans. #ChristianPennerMortgageBrokerPalmBeachGardens has Served the area for over 15 years with his #HomeLoanLending Needs and Works with #TheChristianPennerMortgageTeam.
#AskMeAboutAMortgage #PalmBeachMortgageLender #WestPalmBeachMortgageLender #PalmBeachGardensMortgageLender
You Can Also Find Him On
fb mortgageFacebook at: https://web.facebook.com/YourMortgageBanker/

- - -

Christian Penner
712 U.S. Highway 1 North #300, North Palm Beach, FL 33408

Buyer Referral Hotline: (561) 316-6800 | Office Text Line: (561) 530-2223



Christian Penner
NMLS #368289
Mobile: 561-373-0987
Website: Visit Website
eMail: Contact

The Penner Mortgage Team
712 US Hiighway One, Suite 300
North Palm Beach, FL 33408
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