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Sometimes "No" Isn't The Final Answer When it Comes...

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Trended Credit Data: Hope or Hype?

Why was Jerry’s Rate so Much Lower?

Special TRID edition of Borrower Do's and Don'ts

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Community Commentary provides analysis and perspective on events affecting the mortgage and housing industry from members of our community that work in the marketplace on a daily basis.

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Sometimes "No" Isn't The Final Answer When it Comes to Getting a Loan

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by Ted Rood on August 10 2016, 11:20 AM

The following is a true story (though the names have been changed to protect privacy) of how Carey and Jan bought their new home despite no down payment, and a 586 credit score, and an undisclosed old meth lab on the property. Jan sounded down when she...
15 Takeaways From Mortgage Industry's Top Sales Conference: Mastermind 2016

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by Julian Hebron on June 14 2016, 9:15 AM

When the Mastermind Summit was launched before the financial crisis, I didn't want to be anywhere near a mortgage sales conference in Las Vegas. I say that as a mortgage sales veteran, but back then I was very uneasy about the irrational excess of the...
Trended Credit Data: Hope or Hype?

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by Ted Rood on May 04 2016, 1:36 PM

Fannie Mae’s Desktop Underwriter (DU) Version 10.0 kicks in June 25th, and has several changes that will significantly impact borrowers’ loan approvals. One of the biggest changes is the rollout of Trended Credit Data (TCD). TCD has been touted...
Why was Jerry’s Rate so Much Lower?

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by Ted Rood on May 03 2016, 4:32 PM

A primer to the misunderstood factors that determine Jerry’s (and Shawn’s, and your) interest rates... The excitement in Shawn’s voice was palpable. He called me based on his friend Jerry’s recommendation. Rates hit a multi-month...
Special TRID edition of Borrower Do's and Don'ts

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by Ted Rood on October 01 2015, 11:27 AM

We've previously explored homebuyers' "Do's and Don'ts" and uncovered some vital tips that help or hinder the home buying process. In today's special edition, we examine hints for successfully coping with TRID (the new TILA-RESPA Integrated Disclosures...
Realtor "Do's and Don'ts"

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by Ted Rood on August 21 2015, 3:48 PM

We've previously explored the "Do's and Don'ts" for homebuyers, and uncovered some vital tips that can help or hinder the home buying process. In today's special edition, we examine hints for Realtors, whose actions during purchases are just as critical...
Fannie Program Helps Disabled/Seniors’ Families Purchase Homes

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by Ted Rood on July 10 2015, 1:01 PM

One of the biggest challenges (and greatest opportunities) loan officers face today is the maze of constantly changing guidelines, programs, and policies. The rewards of these opportunities can be life changing though, and I was privileged to see that...
How the Mortgage Industry Already Protects Consumers

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by Frank Ceizyk on May 01 2015, 1:37 PM

As the Consumer Finance Protection Bureau enters its second year as the oversight regulator for the mortgage industry, the bulk of media focus is on how difficult it is to get a loan now, and on reporting enforcement actions for business practices that...
It’s Time to Take Our Industry Back: Educate and Innovate

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by Frank Ceizyk on April 17 2015, 2:53 PM

As we prepare and retool for the August 1st disclosure changes, it will be easy to lose sight of the opportunity that is before us. The regulatory integration is here to stay, and there is ample evidence to show that it’s costing consumers more...
Lessons for Europe from the US Housing Recovery

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by John Tassios on February 26 2015, 12:27 PM

In our highly interconnected financial world, what happens in Europe, Greece, and Germany greatly affects our own bond and MBS markets . There has been much discussion back and forth of who is to blame for the Greek crisis , massive debts in other Southern...
Loan Officer Perspective on FHA's Mortgage Insurance Change

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by Ted Rood on January 12 2015, 12:00 PM

Last week, President Obama and HUD announced a reduction in the mortgage insurance premium (MIP) fees charged on FHA loans. Most FHA borrowers, both current and future, stand to benefit from the lower fees. Here's a loan officer's perspective on the impact...
Do's and Don'ts for Prospective Home Buyers: Christmas Edition

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by Ted Rood on December 19 2014, 9:54 AM

Here's a special Christmas edition of Do's and Don'ts for prospective buyers or refinancing homeowners embarking on, or already engaged in the mortgage process. In case it needs to be said, the "Don'ts" are strictly for comedy (though many are based on...
The Road to Confidence is Built on Trust

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by Frank Ceizyk on October 30 2014, 9:10 AM

I was struck by a comment made by the Mortgage Bankers’ Association President David Stevens : "It's time to acknowledge all the safeguards added to mortgage lending. It's time to start talking about housing finance like the beneficial activity that...
Making a Boring Fed Announcement More Interesting

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by Ted Rood on April 30 2014, 10:16 AM

Wednesday's FOMC Announcement was almost completely unchanged from the previous version. Since the Fed is already in the habit of tweaking only certain sections of certain sentences to evolve the statement over time, here are some ideas for next time...
Tax Time Do's and Don'ts For a Smoother Mortgage Process

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by Ted Rood on April 14 2014, 1:12 PM

Here's a special Tax Time edition of Do's and Don'ts for prospective buyers or refinancing homeowners embarking on, or already engaged in the mortgage process. In case it needs to be said, the "Don'ts" are strictly for comedy (though many are based on...

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Editorial Disclaimer: The opinions and views expressed here are those of the contributing authors and do not necessarily reflect those of the publisher, editor or the editorial staff of Mortgage News Daily.

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