Mathewson Mortgage Capital LLC’s Post

📢 ICYMI: Late last month, Ginnie Mae announced the HMBS 2.0 term sheet, a program designed to support liquidity in the reverse mortgage market and ensure stability for Issuers and seniors alike. 🏡    💡 What is HMBS 2.0?  This program addresses critical challenges when HECM loans cannot immediately be assigned to the Federal Housing Administration and HUD Office of Housing. By allowing these loans to be re-pooled, HMBS 2.0 delivers durable liquidity solutions while maintaining protection for taxpayers.    ⚙️ Key highlights of the program include:   • Capping pooling participation at 95%.  • Permitting securitization of certain loan advances.  • Revising pool certification requirements.  • Adjusting the Maximum Adjusted Property Value Ratio.    🔍 Learn how HMBS 2.0 supports Issuers, taxpayers, seniors and investors: https://t.co/sTkx3QML3X.  #ReverseMortgage #HousingFinance #HMBS 

Can you really earn money while saving for a down payment?  Absolutely! And it comes with no cost or risk; plus, you can access your funds whenever you need them.  Here’s how it works:  Consider the difference between keeping $50,000 in a standard checking account and placing it in a High-Yield Savings Account (HYSA) like SoFi, which currently offers a whopping 4.6% interest rate.  After five years, that $50,000 in a checking account barely kept up with inflation, while the same amount in a HYSA grew to over $60,000!  Bonus: HYSA deposits are FDIC-insured up to $250,000, ensuring your money is safe and secure until you're ready to use it.  Don't let your funds sit dormant in a checking account when they could be working for you.  Send me a DM and I'll share my top recommendation for a HYSA!  Pam Burke   Real Estate Broker   630.935.2777   pam@pamburkegroup.com  #PamBurkeGroup #KellerWilliamsInspire #RealEstate #FirstTimeHomeBuyer #StarterHome #ForeverHome #DreamHome #HomeBuyingTips #ListingAgent #IllinoisRealEstate #YourLocalAgent #JustSold #JustListed #YourTrustedGuide #RealtorsOfInstagram #RealEstateLife #RealtorStyle #ILoveRealEstate #SellYourHome #SellingTips #RealEstateIdeas #RealtorTips #HYSA #SoFi

#Diversification through the less known but 600 Bn$ non-agency RMBS market? Portfolio Managers John P. Kerschner, CFA and Nick Childs, CFA and Associate Portfolio Manager Thomas Polus, CFA discuss how non-agency #residential #mortgage-backed #securities (#RMBS) are created, their key characteristics, and what they might offer investors. #CapitalAtRisk #ForProfessionalsInSwitzerland #MarketingCommunication #JHInsights #JanusHenderson #FixedIncome #Investing

Good morning realtors and happy Friday! Let's talk about Debt Service Coverage Ratio (DSCR) – the unsung hero in real estate finance! 🏡💼 1. Investor's Security Blanket: 🛡️ Investors want assurance, right? Position DSCR as their financial security blanket. It shows them how comfortably a property covers its debts. Peace of mind, anyone? 2. Lender's Green Light: 💼 Picture this: DSCR is like a green light for lenders. A strong ratio signals to lenders that this investment is a safe bet. It's the golden ticket to favorable lending terms! 3. Client Confidence Booster: 🚀 Clients are looking for confidence in their investments. Explain DSCR in simple terms – it's the property's ability to pay its bills. A high DSCR? That's like having a reliable tenant who always pays rent on time! 4. Risk Mitigation Wizardry: 🌐 Everyone's wary of risk, right? DSCR is your wizardry tool. It helps investors mitigate financial risks and navigate the real estate landscape with confidence. 5. Cash Flow Maestro: 💸 Clients love cash flow, and DSCR is the maestro orchestrating it. High DSCR means more cash in their pockets. Who doesn't want that? 6. Deal Negotiation Ace: 🤝 Want to negotiate like a pro? Use DSCR as your secret weapon. A strong ratio strengthens your position at the negotiating table. It's like having an ace up your sleeve! 7. Investment Confidence Builder: 🏆 Building confidence is your forte. Explain how a solid DSCR builds investor confidence, making their real estate journey smoother and more lucrative. 8. Simple Financial GPS: 🌐 Clients sometimes need directions, right? Position DSCR as their financial GPS. It guides them toward financially sound investment decisions, ensuring they stay on the path to success. Realtors, mastering the art of explaining DSCR in common language is like unlocking a treasure chest of opportunities. It's not just a ratio; it's your key to growing influence and becoming the go-to expert in the realm of real estate finance! 🌟🔑 #stilleythemortgageexperience #strongertogether #DSCR #investormortgageoptions #NMLS 2461162 #ApexMortgageGroup #TimeKillsDeals #Atlantarealestate #Floridarealestate www.apexmtg.net/stilley

A 3% down payment can lead you to a place where every corner, every room, every brick is yours. Let's build your future! #yourlocalbroker #mathewsonmortgagecapital #mmc #mortgagebroker #mortgagelender #financialfreedom #dreamhome #homeownershipjourney

Brokers Spotlight Financing Flexibility for HNW Clients #HNWclients #BrokerOptimism #EconomicChallenges #AssetBasedFunding #TailoredSolutions #WealthProfiles #EvolvingLandscape #GrowthPotential #MacroEconomicVolatility #MortgageMarketResilience #SpeedyFinancing #LoanToValueRatios #BespokeSolutions #SpecialisedLending #AssetEvaluation #FlexibleSolutions #SophisticatedDemands

As we face into more regulatory changes in the PRS sector Aldermore are seeing more and more brokers with landlords looking to diversify their portfolios. Profitability, cashflow, yield, and property type are becoming more and more of the conversation. Lenders are adapting to the ever changing market, so I have a question... Do you have a landlord client with 2 to 30 buy to let properties of the same type? If so, then take advantage of Aldermore’s multi property product. It will save you time as it's just one application with one set of packaging requirements for the whole portfolio and one underwrite. Also bear in mind that if the portfolio landlord has property's which are failing ICR hurdles on their own and struggling to remortgage they could be combined with property's which are thus blending the ICR and also the LTV. If you want to know more about our multi property product, get in touch: https://lnkd.in/dE6jJ6k FOR INTERMEDIARY USE ONLY #BTL #portfolliolandlord #specialistlending #mortgagebrokers Nicola Goldie Matt McCulloughKerry Cardy Kelsey Edge Stephen Wright Aouse Fattah Gaynor Otway .Craig Beattie DipMAP CeMAP CeRERJames Young

Industry experts Jas Fazlic of Finsure, Roberto Sanz of Prospa, David Smith of Liberty Financial, Dan Walsh of Mortgage & Finance Association of Australia (MFAA), and Belinda W. of Thinktank Property Finance share insights on how brokers can unlock new opportunities. By expanding their business horizons through strategic diversification, brokers can effectively navigate the evolving lending landscape. Discover how these industry leaders are guiding brokers to future-proof their businesses. https://hubs.la/Q02HFjHj0 #MortgageIndustry #BrokerInsights #BusinessGrowth #LendingLandscape

In the last 5 years, nearly 3,000 new brokers have entered the market. To stand out, they're diversifying, our own Head of Commercial Jas Fazlic notes the shift to residential lending is a smart move for commercial brokers, leveraging their business networks for home loan opportunities 🚀 Read more on Australian Broker below! 📖 #FinanceIndustry #Brokers #Networking #CRM #BusinessGrowth #Lending

🌟 Industry News Alert! 🌟 The Federal Housing Finance Agency (FHFA) has announced that Fannie Mae and Freddie Mac are now making historical VantageScore® 4.0 credit scores available to approved users, providing valuable insights for lenders as they transition to updated credit score requirements. 🏡📊 Stay informed and get ready for this significant shift in credit score reporting! #MortgageIndustry #FHFA #CreditScores #HomeLoans #FannieMae #FreddieMac #ONEPresidentialMtg #DrivenByOne #IndustryNews