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Articles about Loan-To-Value Ratio


Residential | March 2019 
Don’t Drown in the Sea of Lending Sameness
The definition of “good enough” is a moving target. Specific to the mortgage loan originator, what was considered “good enough” 12 months ago is likely not good  enough today. Considering the c...
By Denis G. Kelly, senior vice president of correspondent/national wholesale, Sprout Mortgage

Commercial | December 2018 
Get the Lowdown on CDC 504 Financing
Constructing a building can be a huge financial undertaking for a small business, an undertaking that many business owners believe is out of their reach. If they realized this could be accomplished th...
By Kurt Chambliss, executive vice president, TMC Financing

Residential | December 2018 
This Loan Builds Dreams
From a buyer’s perspective, today’s home market can feel daunting. Finding the right house can be difficult and, to make matters worse, pre-approved borrowers often can find a home they love and make ...
By Chad Jampedro, president and co-owner, GSF Mortgage Corp.; and Bruce Olster, senior managing director, Construction Loan Division, GSF Mortgage Corp.

Commercial | August 2018 
Some Financing Deals Gain More Traction Than Others
Change is in the air. Lenders appear to have commenced a slow transition over the last year toward originating more loans for owner-occupied commercial real estate transactions. The abundance of ...
By Rob Diodato, president, York Commercial Finance

Residential | June 2018 
Don’t Let Good Loans Slip Through the Net
The mortgage industry is seeing a growing demand for non-qualified mortgages. These are typically quality loans that simply fall short of meeting the strict “qualified mortgage” standards set for loan...
By Raymond Eshaghian, president and founder, Greenbox Loans Inc

Commercial | March 2018 
HUD 232 Could Make Your Day
There are about 75 million people in the baby-boomer generation and about 3 million of them will reach retirement age each year for the next two decades. Many may eventually end up in a senior-housing...
By KC Peterson, vice president, Hunt Mortgage Group

Commercial | February 2018 
Find the Middle Layer
Mezzanine lending in commercial real estate, which has been an established form of financing for more than two decades, is a hybrid of senior debt and equity. It fills the gap between a first-position...
By Doug Lyons, managing principal, Pearlmark Real Estate; and Randall Zisler, chairman, Zisler Capital Associates

Commercial | February 2018 
Leverage Can Amplify Return on Investment
Commercial mortgage brokers, for the most part, would agree that leverage in a financing package is a useful and necessary tool for any of their real estate investor clients. Leverage, or the ratio of...
By Rob Diodato, president, York Commercial Finance

Commercial | October 2017 
Direct Lenders Are Land-Deal Friendly
Traditional lenders, such as banks, typically consider land loans too risky to fund. Most look only at the tax returns, financial statements and creditworthiness of the borrower as well as the current...
By Mark Falzone, senior loan officer, Kennedy Funding Financial

Residential | May 2017 
Avoiding Underwriting Pitfalls
It’s an all too common scenario in the mortgage process: A borrower has filed the required documents and feels confident moving forward with the loan, until that borrower is suddenly hit with a ...
By John Pataky, executive vice president, EverBank

Commercial | May 2017 
Close the Deal With a Little Help
Small-balance bridge lending in the commercial real estate market exists in a sort of parallel universe to the world of large institutional real estate finance. “Small-balance” is generally defined as...
By Jan B. Brzeski, managing director and chief investment officer, Arixa Capital Advisors LLC and Crosswind Financial

Residential | March 2017 
Financing New Construction
Custom residential homebuilding has be-come an increasingly popular alternative to the existing, competitive home market. Understanding the process can help originators guide borrowers through the pro...
By Josh Alexander, vacant land and construction specialist, U.S. Bank Home Mortgage

Commercial | October 2016 
Underwriting Doesn’t Conform to Static Rules
Changes in the economic climate often cause changes in the guidelines used by commercial loan underwriters. When the economy is robust and growing, lenders and underwriters are often more willing to b...
By Stephen A. Sobin, president and founder, Select Commercial Funding LLC

Residential | January 2003 
Don’t Get Run Over by the Over-Run
Did you know that about 90% of custom homebuyers exceed their budget or don’t finish on time? No  matter how sharp your borrower’s pencil is, odds are they’ll need to plan for cost overruns and possi...
By Tod R. Edwards, national wholesale mortgage director, M&T Mortgage Corp

Commercial | October 2005 
Checklist for Mortgage Brokers
Mortgage brokers who educate their clients about the lending process provide a great service by letting their clients know what to expect. A borrower can better choose a lender by underst...
By William Jones, broker and partner, San Diego Lending Inc.


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