Tag Archive for: homebuying

Multi-Family Housing Imploding! It’s Worse Than You Think!

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In 2004 and 2005, when mortgage lenders were offering 100% financing for investment properties to inexperienced investors – who did not have to verify ANY income – I and many others in the industry were convinced we’d see a real estate meltdown.Read More

USDA Home Loans in Oregon

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Welcome to our all-encompassing guide on USDA mortgages in Oregon! If you’re considering a home purchase in the Beaver State and exploring your financing options, you might have come across […]Read More

A Guide to Buying a Home in Oregon

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Buying your first home is a significant milestone, and Oregon is a fantastic place to achieve this dream. As a first-time home buyer in Oregon, it's essential to understand the local real estate market, mortgage rates, and available assistance programs.Read More

Florida Vacation Homes: Your Dream Investment Awaits

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Investing in a Florida vacation home offers a blend of personal enjoyment and financial opportunity. With JVM Lending's expertise, you can navigate the process with confidence and ease. From understanding home loans options to choosing the perfect location, we're here to ensure your dream of owning a vacation home in Florida becomes a reality.Read More

Fed Ready To Cut; Rates Fall & Stocks Shoot Higher; BUT – Why Is This NOT 2007? “This Time’s Different…”

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Fed Chair Powell informed the world yesterday that the Fed is ready to “pivot” even before a core inflation reading (PCE) hits their desired 2%. And, this was after a lower-than-expected inflation report (Producer Price Index) was released. As a result, both stocks and bonds performed well, reminding us again that SOMEBODY WILL PROBABLY BE VERY WRONG. Stocks go up on the prospect of a strong economy and higher profits. Bond prices, however, go up on the prospect of lower inflation and a weaker economy. Is it possible that this time is different and that rates will fall and the economy will surge as a result? Not likely.Read More

A Guide to the 2024 Arizona Housing Market

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Welcome to our in-depth look at the 2024 housing market, focusing particularly on Phoenix, Arizona's vibrant real estate scene. As we bid adieu to the rollercoaster ride of 2023, we want to take a look at the upcoming real estate market. The unique landscape of real estate in Arizona, particularly in areas like Phoenix, has always been appealing for both local and out-of-state investors.Read More

2024 Loan Limits For Texas Homebuyers

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The 2024 loan limits in Texas present a diverse landscape for homebuyers and investors. With higher loan limits set by Fannie Mae and Freddie Mac and the absence of loan limits for VA loans, the Texas real estate market offers a range of opportunities. Whether you're considering a primary residence or an investment property, these changes in loan limits are critical for informed decision-making.Read More

Understanding DSCR Loans in Oregon

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DSCR, or Debt Service Coverage Ratio loans, are becoming a game-changer in the real estate investment sector. But what exactly is a DSCR loan? These loans focus on the property's ability to generate income rather than solely on the borrower's personal financial status. This approach makes them particularly appealing for investors in Oregon, where the real estate market is diverse and dynamic.Read More

Understanding Short Sales in Real Estate

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Short sales in real estate can often seem like a labyrinth of complexities, both for homeowners struggling with mortgage payments and for prospective buyers eyeing the housing market. We're here to demystify the concept of short sales, explain what a short sale is, how it works, and what it means for buyers and sellers in today's real estate landscape.Read More

How Much House Can I Afford? A Guide to Home Buying

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Wondering how much house you can afford? Dive into our comprehensive guide covering everything from mortgage basics and down payments to credit scores and debt-to-income ratios. Gain the knowledge you need for a confident and informed home purchase journey.Read More

DSCR Loans for Michigan Investors

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Explore how DSCR loans offer Michigan investors a flexible and income-focused approach to financing rental properties, with insights on eligibility, advantages, and application processes. Whether you're a seasoned investor or just starting out, familiarizing yourself with DSCR loans can open doors to a wealth of investment opportunities in the dynamic Michigan real estate landscape. Let's dive into the details and discover how a DSCR loan can pave the way for success in Michigan.Read More

DSCR Loans ONLY Use Rent To Qualify; Do NOT Need to Cash Flow; DSCR Rates Are LOW!

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With a 25% down payment, almost anyone can get a DSCR mortgage – even if the property does NOT cash flow with rent. DSCR stands for Debt Service Coverage Ratio Loans – and most readers are aware of them now. BUT – there are two huge misconceptions that I will address below.Read More

Understanding APR vs. Interest Rate

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When comparing loans, the APR is an invaluable tool. It's not just about the rate of interest; it's about the overall costs of a loan. By factoring in additional fees and costs, APR provides a more comprehensive picture of what you’ll actually pay. This is crucial for making informed decisions, especially when comparing loans with different structures and fees.Read More

5 Reasons Why Interest Rates Matter So Much – For Real Estate Agents

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They Screamed: “Never Sell Rates!” I was a member of The CORE Training Program years ago, and it was very effective, as they preached focus, financial discipline, time-blocking, non-stop selling, […]Read More