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Articles about Subprime


Residential | June 2018 
Viewpoint: Lessons from Lehman Brothers 10 Years Later
  Key Points Housi...
By Dick Lepre, senior loan adviser, RPM Mortgage

Residential | March 2018 
Are We Ready for Non-QM Lending?
Unlike non-qualified mortgage, or non-QM, production in the jumbo-prime space — which matured several years ago — non-QM production for nonprime and hard money loans is still growing because of demand...
By Brent Houston, chief executive officer, ALTRA Mortgage Capital LLC

Residential | July 2017 
Prepare for Nonprime
It has been whispered about for years, and the rumors have finally been confirmed: Subprime is back. It has changed its name to nonprime (NP) and completely rebuilt its image with exponentially sounde...
By Denis G. Kelly, senior vice president of correspondent/national wholesale, Sprout Mortgage

Residential | March 2017 
Grab a Slice of Purchase Pie
Definition: Boomerang buyer “A boomerang buyer is a former home-owner who has gone through a short sale, foreclosu...
By Ben Wu, executive director, LoanScorecard

Residential | March 2017 
The New Prime Jumbo
From a mortgage investor’s perspective, the past seven years have not been very exciting. Mortgage loan performance has been nothing but stellar for prime jumbo loans originated post crisis.  In post-...
By Matthew J. Tomiak, managing director, Redwood Trust Inc.

Residential | November 2016 
Expanding the Box of Opportunity
Spend enough time in the housing market, and you will see plenty of ups and downs. In the wake of the financial crisis some 10 years ago, lenders shut their doors to homebuyers, other than those with ...
By Matthew J. Tomiak, managing director, Redwood Trust Inc.

Residential | February 2003 
Subprime Market Potential: IRS Lien Removal & Subordination
It is generally known that under existing IRS law, the IRS can file a notice of a tax lien in all circumstances where a person has a tax liability.  What is generally not known are the circumstances i...
By Alvin S. Brown, tax attorney, Alvin Brown & Associates

Residential | November 2004 
Would You Like to “Interest-Only” Your Subprime Loan?
There is no question that “Interest Only” (IO) has become the latest fad in the subprime lending sector. Loan originators throughout the country are requesting it on loan submissions as frequently ...
By Steve Walker, president of Non-Prime Production, ComUnity Lending, Inc.

Residential | October 2004 
Nonprime Mortgage Myths Debunked: Teach Realtors® & Builders to Prequalify Leads
In the market’s volatile rate environment, purchase business, and realtor® and builder relationships will be the most important sources of business for mortgage brokers. The Fed just raised rates, ...
By Steven Skolnik, executive vice president of production, First Franklin Financial Corporation

Residential | July 2004 
Getting the Subprime Package Right
Statistically speaking, eight out of every ten loans that the average loan officer handles are going to be “A” paper. When most LOs are hired (unless they’re hired into a subprime-only shop), they a...
By Greg Schroeder, president, Comergence Compliance Monitoring

Residential | June 2004 
The Sub-Prime Approach and Sales Pitch
By now you’ve got sub-prime leads being generated, but to turn the leads into loans, you have to be sure you’re talking to your customers in a professional manner. More importantly, you need to kno...
By Greg Schroeder, president, Comergence Compliance Monitoring

Residential | June 2004 
Non-Prime Lending
In today’s home loan market, mortgage brokers and their customers have more choices than ever before. Major lenders offer highly competitive loan programs, including home equity, expanded criteria, ...
By Debbie Rosen, managing director, Countrywide

Residential | May 2004 
Finding Sub-Prime Customers
Once you’ve determined that it’s the right time for sub-prime, you need to come up with customers. Finding leads is finding leads, whether you’re talking about prime or sub-prime borrowers.  But, wh...
By Greg Schroeder, president, Comergence Compliance Monitoring

Residential | April 2004 
The Right Time For Sub-Prime
It’s early 2004, and the well of A-paper refinances is running dry. The number of layoffs by mortgage lenders is rising in tandem with rates. One A-paper source, when asked what he was going to do ...
By Greg Schroeder, president, Comergence Compliance Monitoring

Residential | December 2005 
40: The New 30
Today’s market conditions have changed the way we approach mortgage terms. Consider that when mortgages were first offered in the 1930s, the typical term was three to five years. Over time, the term...
By Brandie Young, vice president of marketing, WMC Mortgage Corp.


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