The FHA (Federal Housing Association) did research in the late 50’s on mortgage default rate and concluded that homebuyers that put less than 20% down had a significantly higher default rate than people who had invested more than 20% down on their new homes. At this...

Why borrow hard money? To understand why so-called hard money is so important in the real estate marketplace today, we need to know what the term actually means. As you might expect, hard money, or private money, has interest rates and fees that above the norm when...

Where is the 10-year Treasury Going to Be in Five Years? If you’re not in the mortgage business, a financial advisor or a portfolio manager, you most likely don’t pay much attention to the 10-year Treasury Note. But this index, along with other securities is followed...

Surely you’ve heard stories of real estate investors who just seem to have the golden touch, right? Maybe you’ve seen any number of shows on cable TV where someone finds a real diamond-in-the-rough and makes thousands of dollars when fixing and flipping the property....

For most VA purchase money loans, the answer is a direct 2.15%. But the funding fee is more than just a number or a percentage but a key ingredient in the entire VA home loan program. Let’s break down what the funding fee is, its origin and why it’s necessary to...

Hard-money or hard-equity refers to lending with little documentation or zero documentation on investment property. Unlike conventional financing hard-money lenders often lend to borrowers with no credit reports, zero bank statements and no tax returns. These types of...