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Is it easier to get a mortgage?
www.mortgagerates.lowermybill
but are worried that you don't have the financial status to qualify for a mortgage? Well, here's some news that might raise your spirits: Mortgages might be easier to get now, according to a report from Ellie Mae, a national mortgage tracking firm.
Rates Drop To 2.9% (3% AP Qualify! Start Saving Today HARP Refinance Loan 2.7%
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Specifically, Ellie Mae's September 2013 "Origin Insight Report" found that for closed loans, average credit scores and down payments are coming down, while at the same time, allowable debt limits are rising. "Although it's not loosening rapidly, we are seeing a consistent loosening that has happened over the last 12 months and in particular since the beginning of the year, in underwriting criteria," says Jonathan Corr, Ellie Mae's president. Wondering why mortgages might be just a little easier to get? Keep reading to see what we found out.
www.vamortgagecenter.com
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News And Sports Finance Weather Groups Answers ScreenCorr Flickr Mobile More while the lower average qualifying Games score is good news, another stat excites even more. According
to the study, the percentage of folks with credit scores under 700 who qualified for loans jumped from 17 percent in 2012, to 32 percent in September of 2013. [Thinking about buying a new home? Click to compare interest rates from lenders now.] Why is that significant? "People see a 732 average score and they get worried that they can't qualify if they don't have it. But actually, what we're seeing is the number of folks who have [a credit score of] under 700 and have closed loans jumped quite a bit. That shows a loosening of qualifying standards and gives more people a chance," says Corr.
Livin C Wan
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News "Now Sports Finance Games Groups Answers Mobile we're seeing that theWeather insurers who are still here have strength again,Screen and we'veFlickr also seen new
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[insurers] enter the market, so you have a greater supply of insurers. That combination has made it more competitive and made it more likely for folks to get mortgage insurance," he says. The bottom line, says Corr, is that across the spectrum, the strict requirements for qualifying for a mortgage have loosened as the housing market has strengthened. And that's good for everyone.
Loan type 30yr fixed 4.709% APR 4.625% Rate 4.185% APR 4.000% Rate 4.314% APR 4.125% Rate
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