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Articles about Loan-To-Value Ratio


Residential | November 2008 
3 Secrets to Market Recovery
The mortgage industry is like any other when you look at the basics of the business. Operations and sales departments distribute a product or service, and company executives keep everything running....
By Roger Schlesinger, loan officer, Metrocities Mortgage

Commercial | October 2008 
Bring in the Most Funding
There is one big factor in most loan situations: the size of the loan -- or the amount of funding that you can deliver. Generally, borrowers want to have more funds for the deal. As such...
By Peter Weisner, account executive, CFA Capital Partners

Commercial | August 2008 
3 Keys to the New Underwriting Reality
In today’s market, it is no secret that lenders have changed the way they approach prospective loans. Lenders who are still liquid have tightened their requirements and moved to a more c...
By Laura Wnorowski, credit analyst, Western Capital Partners LLC

Commercial | August 2008 
Luck be a … Casino?
Every gambler should know the adage, “Gamblers rely on luck; casinos rely on math.” The house has a mathematical advantage over a player when it comes to games of chance. Casino develope...
By Randy Groover, president and CEO, Seascape Financial Group

Commercial | July 2008 
Appraising Appraisals
Multiple times a day, mortgage brokers ask underwriters their loan-to-value (LTV) requirements on a certain property type. The answer is all too predictable: “Well, we have an appraisal at $ ____.” ...
By Brian J. Shloss, regional manager and principal, Western Capital Partners LLC

Residential | April 2008 
Brokers shy away from Federal Housing Administration (FHA)-insured loans because they’ve heard that they are a pain to do or that there are too many conditions. While FHA loans may require more back...
By Jeff Mifsud, founder, Mortgage Seminars LLC

Commercial | March 2008 
Lock Up Development Financing
The downturn in the real estate market and the fallout from the nonprime mess have upended the development world. Builders and developers are facing tough issues, including financial losses, foreclo...
By Martin Kulli, project director, Developers Research

Commercial | February 2008 
How Private Equity Fits Your Deals
With credit markets tightening, many developers and investors are being forced to the sidelines as the big banks run for cover. In this environment, private equity provides a way to turn deals aroun...
By Justin Miller, branch manager, Primary Residential Mortgage Inc

Residential | February 2008 
What if We Killed the Credit Score?
In the years that the mortgage industry has used credit-scoring as a tool to determine borrowers’ creditworthiness, or borrowers’ ability to pay back a mortgage, the industry has not experienced a ...
By Darrin Stobaugh, consultant

Commercial | January 2008 
When Leverage is a Thing of Beauty
Each investment comes with a certain return. For you and your clients, the goal is for those returns to be positive. In times of tightening credit, however, loans seem harder to obtain. And investo...
By Craig Grella, founder,

Residential | January 2008 
Target: Investors
Like many mortgage brokers, I can’t resist the urge to search the Internet for the latest count of the lenders who have closed or will soon close their doors. They’re disappearing overnight. ...
By David K. Lal, president , National Real Estate Council

Residential | January 2008 
Residential Vs. Commercial: What’s Different
As any triathlete will tell you, the real pain in a race comes in the transition. Switching from one event to the next, from swimming to cycling to running, pitches muscles against each other. Stren...
By Richard Zahm, director, Covendium; and David Gruebele, co-founders and principal, Second Angel Bancorp

Commercial | November 2009 
Look to the Past to Determine the Future
Thirty years ago, there were no such things as easy-qualifier, no- or low-doc, or stated-income loans. Other widely used terms -- such as yield spread premiums and rebate pricing -- also were mostly u...
By Arnie Garfinkel, president , Income Property Lending and All Star Group Inc.

Residential | July 2009 
Where Due-Diligence Underwriters Go Wrong
Due-diligence underwriters' roles have changed in the past three years. They were once employed primarily by large investment banks and firms looking to purchase residential mortgages on the seconda...
By David L. Hippensteel, group member, Gerson Lehrman Group Councils

Commercial | June 2009 
How Lenders Look Beyond LTV
Discipline has always been the hallmark of successful private lenders. In recent years, these lenders generated consistent returns by bypassing the siren calls of marginal loan opportunities touted ...
By Richard Zahm, director, Covendium


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