By David Reed
With personal loan tales dominating the front-page information, humans - even if they are purchasing a brand new condominium or refinancing - more and more have questions on the advanced matters at stake. prepared in an simply available question-and-answer layout, "Mortgages one zero one" presents readers with crucial lending formulation, in addition to vital info on lending requisites and alertness methods. This revised version contains up to date fabric on new personal loan and govt courses, alterations to the legislation concerning tax deductions, down check suggestions, financial ruin, and extra - briefly, all of the solutions readers desire, in a single must-have reference.
Read or Download Mortgages 101: Quick Answers to Over 250 Critical Questions About Your Home Loan PDF
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Additional resources for Mortgages 101: Quick Answers to Over 250 Critical Questions About Your Home Loan
8 WHAT ARE AUTOMATED UNDERWRITING SYSTEMS? Your loan application is input into a specialized software program that evaluates your entire application, and within a matter of moments your approval is issued. Sound easy? It is, but that doesn’t mean you still don’t have to provide any documentation. You do, but only what the software program says to provide. Get approved first with an Automated Underwriting System (AUS) before you begin the verification process. Instead of ‘‘verify first, approve last,’’ you will get approved first and verified last.
Almost every lender and mortgage broker now uses an AUS. Fannie Mae and Freddie Mac (see Chapter 8) both developed their own AUS to help speed up the home-buying process. These programs tell you exactly what you need to do to get into a home. No more documenting this and tracking down that and waiting for that magic phone call. Your approval is issued first, not last. You only need to supply what the program asked for. 10 IF AN AUTOMATED UNDERWRITING SYSTEM APPROVES ME, DOES THAT MEAN I GET THE LOAN?
Still others are disappointed that they can’t borrow more than the lender feels comfortable with, using the very same loan parameters. What’s good for one borrower may not be good for another. Different mortgage programs can have different lending guidelines, but for the most part these programs decide how much you can borrow based upon debt ratios. It used to be that debt ratios 29 ................. 16717$ $CH2 02-12-08 14:35:57 PS PAGE 29 30 M O R T G A G E F UN DAM E N TAL S were relatively strict.