Home Loans & Mortgages

Mortgage loan exit fees [really deferred establishment fees by another name] have become a way on chaining homeowners to their bank loans.

Mortgage Lenders Go Green by reducing and offsetting carbon emissions in home loan processing. Are you concerned about reducing your carbon footprint? Well now the mortgage lender industry wants you to consider reducing carbon emissions by supporting mortgage lenders who offer a carbon-neutral home loan. Many mortgage companies are choosing to go carbon neutral, offsetting their [...]

Myth #1. A big brand bank home loan is better than a mortgage from non bank lender. Most people don’t like the major banks, but this myth prevents them from capitalizing on the mortgage opportunities in the growing non bank area. Myth #2. A bad credit history means you can’t get a home loan. It [...]

It has been reported that the Obama administration has proposed a hose -down of the US mortgage market that would limit the Government’s role in supporting home ownership through implied Government Guarantees and mortgage facilitation through Fannie Mae and Freddie Mac.

The solution that we know we all need is a separate, non-bank mortgage back security enterprise, that is Government sponsored and Guaranteed.
This will level the playing field, so nonbank players can get funds cheaper as cheap or cheaper than the banks. And be able to have lower margins than the banks.
This will create new non bank mortgage players at the local level. Mortgage brokers that can become micro mortgage managers.