• 3.1: Raising Debt Capital Part One: The Underwriting Process

    3.0 Debt, Equity and Coping with Financial Adversity "Bottom-line profitability is a naturally occurring byproduct of the commercial lives we live." This third segment also covers a lot of ground. In the first section, you'll learn about borrowing money—how loans are underwritten, typical contractual terms and conditions you can expect to see, the different types of financing products that are available, and how to negotiate your way through all of that. The second segment deals with equity investments—capital that may come from family, friends or the professional investment community; depending on the type of business and the way it's organized. The last segment speaks to financial adversity—how it can happen and what to do if that should come to pass. M.D. Weiss LLC is neither affiliate...

    published: 13 Nov 2013
  • What is UNDERWRITING? What does UNDERWRITING mean? UNDERWRITING meaning, definition & explanation

    What is UNDERWRITING? What does UNDERWRITING mean? UNDERWRITING meaning - UNDERWRITING pronunciation UNDERWRITING definition - UNDERWRITING explanation - How to pronounce UNDERWRITING? Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license. Underwriting services are provided by some large specialist financial institutions, such as banks, insurance or investment houses, whereby they guarantee payment in case of damage or financial loss and accept the financial risk for liability arising from such guarantee. An underwriting arrangement may be created in a number of situations including insurance, issue of securities in primary markets, and in bank lending, among others. The name derives from the Lloyd's of London insurance market. Financial b...

    published: 21 Apr 2017
  • How a mortgage underwriter will review your income on your taxes when applying for a home loan

    Always consult with your CPA or Tax preparer/advisor on how to properly file your state and federal tax returns. Income answers you need to know when purchasing or refinancing a home. What the mortgage underwriter will review on your federal taxes returns when qualifying for a home loan. Watch the deductions on your taxes, if you are looking to refinance or buy a house you need to know what the underwriter will review on your 1040s to use as qualifying income to determined your debt to income ratios. Let's discuss your goals on home financing before you file your 2014 taxes. You you complete and file could hurt your ability to move forward with a home refinance or home purchase. Always consult with your a CPA or Tax prepare/advisor on how to properly file your state and federal tax r...

    published: 28 Jan 2015
  • Good Debt Underwriting - Dr. Peter Linneman Interviewed by Bruce Kirsch

    published: 13 Jan 2013
  • 7(a) Loan Underwriting Webinar with Gary Griffin

    This SBA 7(a) Loan Underwriting webinar was hosted through the West Virginia SBA District Office on Dec. 16, 2014.

    published: 07 Jul 2015
  • Understanding Mortgage Debt to Income Ratios | It's Not Rocket Science

    Do you understand mortgage debt to income ratios and what it means to you when trying to get a new mortgage? Don Carriker with IWantAGreatHomeLoan.com goes through DTI (Debt to Income) in this episode of "It's Not Rocket Science". After watching this video you should better understand the mortgage process and how your DTI can greatly affect the amount of money you can borrow for your next mortgage. This is why it is very important to get approved for your home loan before you start looking for a new home. You don't want to put the cart before the horse. In other words, you don't want to find your dream house only to find out that you can't afford it because you weren't pre-qualified. Get pre-qualified today by a highly qualified loan officer and know what you can afford.

    published: 26 Feb 2013
  • 3.1: Raising Debt Capital Part Two: The Underwriting Process, continued

    3.0 Debt, Equity and Coping with Financial Adversity "Bottom-line profitability is a naturally occurring byproduct of the commercial lives we live." This third segment also covers a lot of ground. In the first section, you'll learn about borrowing money—how loans are underwritten, typical contractual terms and conditions you can expect to see, the different types of financing products that are available, and how to negotiate your way through all of that. The second segment deals with equity investments—capital that may come from family, friends or the professional investment community; depending on the type of business and the way it's organized. The last segment speaks to financial adversity—how it can happen and what to do if that should come to pass. M.D. Weiss LLC is neither affiliate...

    published: 13 Nov 2013
  • Loan Processing - Loan Underwriting Services - Mortgage Processing

    Mortgage loan processing and loan underwriting services http://www.kevinleonardmortgageexpert.com/loan-products/ Our solutions ensure seamless management of your workflow, up to the minute complete loan transparency, and precise queue management to help you deliver more outstanding service. Our services include: Online and call center origination Loan processing Loan underwriting services Document preparation Closing coordination services Investor delivery Loan level balancing and accounting Pre and post close loan purchase review Warehouse line management Government insuring (FHA/VA and USDA) Trailing document procurement We service the following mortgage professionals: Brokers Broker to banker Mortgage bankers, including net branches and retail branches Correspondent lenders One of ...

    published: 12 Feb 2014
  • How Underwriter's Calculate Income

    published: 18 Mar 2014
  • Debt & Capital: Availability, Spreads & Underwriting in the Edmonton Real Estate Market

    Chris Fowler, CEO of Canadian Western Bank spoke at the 2016 Edmonton Real Estate Forum. Mr. Fowler discusses sources of debt and capital in terms of availability, spreads & underwriting for the Edmonton commercial real estate market. For more details on the conference or any of our 20 events, please visit http://realestateforums.com. With a total attendance of over 10,000 executives, our 21 conferences are a primary source of up-to-date information on the leasing, investment, development, and financing of office, industrial, retail and multi-unit residential real estate across Canada. The focus of our programs is to examine trends, strategies, risks, and opportunities. Combined with these insights is an environment where leading decision-makers in the Canadian and global markets can net...

    published: 15 Jun 2016
  • New Deal Financial Acts and the Business of Foreign Debt Underwriting

    Marc Flandreau, Professor of International History, Graduate Institute of International Studies and Development, Geneva New Deal Financial Acts and the Business of Foreign Debt Underwriting: Autopsy of a Regime Change

    published: 14 Mar 2012
  • Seller Loan Process Underwriting

    published: 05 Aug 2013
  • The Mortgage Process - The Underwriting Stage

    http://www.DesertDreamRealty.com The Mortgage Process Explained - The Underwriting Stage --This video explains the third stage of the Mortgage process, the Underwriting Stage. This stage starts after all your loan paperwork has been submitted. The underwriter will organize the documentation you submitted and make sure it meets all qualification guidelines. The underwriter will also verify that everything is correct all facts, figures, income, and debt and funding. It is normal for the underwriter to ask for additional documentation. Look for the next stage of the mortgage loan process, the Clear to Close stage. https://youtu.be/65M1xRcfXA4 Looking for more information about real estate? Subscribe to our You Tube channel or check out our website at http://www.DesertDreamRealty.com. Call...

    published: 29 Apr 2017
  • Loan underwriting terms revealed

    Cash flow, strong sponsorship and debt yield top the requirements that lenders are looking for in a loan request.

    published: 18 Apr 2013
  • Stage Three of your loan - Approved with Conditions

    Your loan is out of underwriting, now we have a few final loan conditions to clear.

    published: 22 Mar 2014
  • Underwriting a Loan File in Lenders Office

    Underwriting a Loan File in Lenders Office

    published: 08 Jul 2012
  • Credit Analysis 101

    Sageworks regularly hosts free webinars for the banking industry. To see a list of upcoming sessions and to access a library of archived sessions, go to www.sageworks.com. Sageworks' Peter Brown reviewed some basic principles for understanding commercial credit anaysis including qualification (type of loan), quantification (debt service, key financial ratios, etc.) and presentation (what to include in the loan packet and how to present the information to loan committee). For more information, visit Sageworks at www.sageworksanalyst.com

    published: 28 Jul 2014
  • Mortgage Underwriting Process Tips

    Mortgage Underwriting Guidelines at http://www.mortgageunderwriters.com offer tips to help eliminate delays. http://youtu.be/A8SScOHGLaU

    published: 21 Jan 2012
  • What is underwriting?

    When you apply for a mortgage, one of the key steps in the approval process is underwriting. In this process, your loan is matched up with an investor who will purchase the loan in the secondary market. If no match exists, you will not be getting a loan. A tip: look for lenders with in-house underwriting...

    published: 12 May 2010
  • Home Buying Process - Step 4: Underwriting Process | www.MortgageSolutionsOfGeorgia.net

    Step 4 of 5 of the Home Buying Process: Underwriting Process. Brought to you by http://www.MortgageSolutionsOfGeorgia.net. Step 1: Mortgage Pre-Approval Step 2: Finding Your Home Step 3: Loan Documentation Step 4: Underwriting Process Step 5: Closing On Your New Home

    published: 01 Oct 2012
  • National Debt Relief employee review - Roberto Martinez - Underwriting

    Roberto Martinez offers a quick highlight of working at National Debt Relief in New York City. View current underwriting openings at https://www.nationaldebtrelief.com/employment-opportunities/

    published: 07 Jun 2016
  • Are Your Debt Ratios Too High for a USDA Loan?

    http://www.USDALoanPro.com - USDA loans and high debts ratios - Wondering if your debt ratios are too high to qualify for a USDA loan? The USDA qualifying guidelines take compensating factors into consideration. Sean Stephens from Metroplex Mortgages in Florida, Texas, Alabama and Tennessee shares his expert advice on how to qualify for a USDA loan even with high debt ratios. Read more: http://www.usdaloanpro.com/blog/usda-loans-with-high-debt-ratios/ Download our FREE USDA Blueprint for Success! http://www.usdaloanpro.com/blue-print-for-success/ GET MORE INSIGHTS More ProTips from USDA Loan Pro: Subscribe on YouTube:  http://www.youtube.com/subscription_center?add_user=MetroplexMortgage Website:  http://www.usdaloanpro.com Facebook:  https://www.facebook.com/MetroplexMortgage Tw...

    published: 20 Mar 2015
  • Underwriting Trainging Part I

    Mortgage broker training from LoanStream

    published: 10 Oct 2013
  • Understanding Conventional Commercial Loans

    For more information on Conventional Commercial Loans please visit us at https://www.commercialloandirect.com/conventional-commercial-loans-apartment-mortgages.html. Commercial loans can take 2 different forms – owner-occupied mortgages and investment mortgages. When the collateral is owner-occupied, the property’s sponsor(s) use over 50% of the building’s useable square footage for their personal businesses. Any other use makes the collateral investment property. It is important to note that in order to securitize a commercial loan properly Commercial properties must be zoned appropriately. Conventional commercial loans are mortgages backed by commercial real estate that are provided by a lending institution such as banks, credit unions, savings and thrift institutions, life insurance c...

    published: 04 Jun 2015
developed with YouTube
3.1: Raising Debt Capital Part One: The Underwriting Process

3.1: Raising Debt Capital Part One: The Underwriting Process

  • Order:
  • Duration: 10:15
  • Updated: 13 Nov 2013
  • views: 1447
videos
3.0 Debt, Equity and Coping with Financial Adversity "Bottom-line profitability is a naturally occurring byproduct of the commercial lives we live." This third segment also covers a lot of ground. In the first section, you'll learn about borrowing money—how loans are underwritten, typical contractual terms and conditions you can expect to see, the different types of financing products that are available, and how to negotiate your way through all of that. The second segment deals with equity investments—capital that may come from family, friends or the professional investment community; depending on the type of business and the way it's organized. The last segment speaks to financial adversity—how it can happen and what to do if that should come to pass. M.D. Weiss LLC is neither affiliated with the advertisers that may appear on this page, nor does it endorse their products or services. ©2013 M.D. Weiss LLC. All Rights Reserved.
https://wn.com/3.1_Raising_Debt_Capital_Part_One_The_Underwriting_Process
What is UNDERWRITING? What does UNDERWRITING mean? UNDERWRITING meaning, definition & explanation

What is UNDERWRITING? What does UNDERWRITING mean? UNDERWRITING meaning, definition & explanation

  • Order:
  • Duration: 8:34
  • Updated: 21 Apr 2017
  • views: 5865
videos
What is UNDERWRITING? What does UNDERWRITING mean? UNDERWRITING meaning - UNDERWRITING pronunciation UNDERWRITING definition - UNDERWRITING explanation - How to pronounce UNDERWRITING? Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license. Underwriting services are provided by some large specialist financial institutions, such as banks, insurance or investment houses, whereby they guarantee payment in case of damage or financial loss and accept the financial risk for liability arising from such guarantee. An underwriting arrangement may be created in a number of situations including insurance, issue of securities in primary markets, and in bank lending, among others. The name derives from the Lloyd's of London insurance market. Financial bankers, who would accept some of the risk on a given venture (historically a sea voyage with associated risks of shipwreck) in exchange for a premium, would literally write their names under the risk information that was written on a Lloyd's slip created for this purpose. Securities underwriting refers to the process by which investment banks raise investment capital from investors on behalf of corporations and governments that are issuing securities (both equity and debt capital). The services of an underwriter are typically used during a public offering in a primary market. This is a way of distributing a newly issued security, such as stocks or bonds, to investors. A syndicate of banks (the lead managers) underwrites the transaction, which means they have taken on the risk of distributing the securities. Should they not be able to find enough investors, they will have to hold some securities themselves. Underwriters make their income from the price difference (the "underwriting spread") between the price they pay the issuer and what they collect from investors or from broker-dealers who buy portions of the offering. Once the underwriting agreement is struck, the underwriter bears the risk of being unable to sell the underlying securities, and the cost of holding them on its books until such time in the future that they may be favorably sold. If the instrument is desirable, the underwriter and the securities issuer may choose to enter into an exclusivity agreement. In exchange for a higher price paid upfront to the issuer, or other favorable terms, the issuer may agree to make the underwriter the exclusive agent for the initial sale of the securities instrument. That is, even though third-party buyers might approach the issuer directly to buy, the issuer agrees to sell exclusively through the underwriter. In summary, the securities issuer gets cash up front, access to the contacts and sales channels of the underwriter, and is insulated from the market risk of being unable to sell the securities at a good price. The underwriter gets a profit from the markup, plus possibly an exclusive sales agreement. Also if the securities are priced significantly below market price (as is often the custom), the underwriter also curries favor with powerful end customers by granting them an immediate profit (see flipping), perhaps in a quid pro quo. This practice, which is typically justified as the reward for the underwriter for taking on the market risk, is occasionally criticized as unethical, such as the allegations that Frank Quattrone acted improperly in doling out hot IPO stock during the dot com bubble. In banking, underwriting is the detailed credit analysis preceding the granting of a loan, based on credit information furnished by the borrower; such underwriting falls into several areas: Consumer loan underwriting includes the verification of such items as employment history, salary and financial statements; publicly available information, such as the borrower's credit history, which is detailed in a credit report; and the lender's evaluation of the borrower's credit needs and ability to pay. Examples include mortgage underwriting.
https://wn.com/What_Is_Underwriting_What_Does_Underwriting_Mean_Underwriting_Meaning,_Definition_Explanation
How a mortgage underwriter will review your income on your taxes when applying for a home loan

How a mortgage underwriter will review your income on your taxes when applying for a home loan

  • Order:
  • Duration: 6:15
  • Updated: 28 Jan 2015
  • views: 15371
videos
Always consult with your CPA or Tax preparer/advisor on how to properly file your state and federal tax returns. Income answers you need to know when purchasing or refinancing a home. What the mortgage underwriter will review on your federal taxes returns when qualifying for a home loan. Watch the deductions on your taxes, if you are looking to refinance or buy a house you need to know what the underwriter will review on your 1040s to use as qualifying income to determined your debt to income ratios. Let's discuss your goals on home financing before you file your 2014 taxes. You you complete and file could hurt your ability to move forward with a home refinance or home purchase. Always consult with your a CPA or Tax prepare/advisor on how to properly file your state and federal tax returns. Call me to review those taxes Nathan Rufty Licensed Mortgage Professional NMLS #292056 nathan@nathanrufty.com www.nathanrufty.com 909-503-5600 - cell 909-230-4395 - work 909-557-2303 - fax Mountain West Financial 9227 Haven Avenue #110 Rancho Cucamonga, CA 91730
https://wn.com/How_A_Mortgage_Underwriter_Will_Review_Your_Income_On_Your_Taxes_When_Applying_For_A_Home_Loan
Good Debt Underwriting - Dr. Peter Linneman Interviewed by Bruce Kirsch

Good Debt Underwriting - Dr. Peter Linneman Interviewed by Bruce Kirsch

  • Order:
  • Duration: 2:50
  • Updated: 13 Jan 2013
  • views: 1159
videos
https://wn.com/Good_Debt_Underwriting_Dr._Peter_Linneman_Interviewed_By_Bruce_Kirsch
7(a) Loan Underwriting Webinar with Gary Griffin

7(a) Loan Underwriting Webinar with Gary Griffin

  • Order:
  • Duration: 57:07
  • Updated: 07 Jul 2015
  • views: 1088
videos
This SBA 7(a) Loan Underwriting webinar was hosted through the West Virginia SBA District Office on Dec. 16, 2014.
https://wn.com/7(A)_Loan_Underwriting_Webinar_With_Gary_Griffin
Understanding Mortgage Debt to Income Ratios | It's Not Rocket Science

Understanding Mortgage Debt to Income Ratios | It's Not Rocket Science

  • Order:
  • Duration: 9:45
  • Updated: 26 Feb 2013
  • views: 26017
videos
Do you understand mortgage debt to income ratios and what it means to you when trying to get a new mortgage? Don Carriker with IWantAGreatHomeLoan.com goes through DTI (Debt to Income) in this episode of "It's Not Rocket Science". After watching this video you should better understand the mortgage process and how your DTI can greatly affect the amount of money you can borrow for your next mortgage. This is why it is very important to get approved for your home loan before you start looking for a new home. You don't want to put the cart before the horse. In other words, you don't want to find your dream house only to find out that you can't afford it because you weren't pre-qualified. Get pre-qualified today by a highly qualified loan officer and know what you can afford.
https://wn.com/Understanding_Mortgage_Debt_To_Income_Ratios_|_It's_Not_Rocket_Science
3.1: Raising Debt Capital Part Two: The Underwriting Process, continued

3.1: Raising Debt Capital Part Two: The Underwriting Process, continued

  • Order:
  • Duration: 8:34
  • Updated: 13 Nov 2013
  • views: 306
videos
3.0 Debt, Equity and Coping with Financial Adversity "Bottom-line profitability is a naturally occurring byproduct of the commercial lives we live." This third segment also covers a lot of ground. In the first section, you'll learn about borrowing money—how loans are underwritten, typical contractual terms and conditions you can expect to see, the different types of financing products that are available, and how to negotiate your way through all of that. The second segment deals with equity investments—capital that may come from family, friends or the professional investment community; depending on the type of business and the way it's organized. The last segment speaks to financial adversity—how it can happen and what to do if that should come to pass. M.D. Weiss LLC is neither affiliated with the advertisers that may appear on this page, nor does it endorse their products or services. ©2013 M.D. Weiss LLC. All Rights Reserved.
https://wn.com/3.1_Raising_Debt_Capital_Part_Two_The_Underwriting_Process,_Continued
Loan Processing - Loan Underwriting Services -  Mortgage Processing

Loan Processing - Loan Underwriting Services - Mortgage Processing

  • Order:
  • Duration: 3:19
  • Updated: 12 Feb 2014
  • views: 4456
videos
Mortgage loan processing and loan underwriting services http://www.kevinleonardmortgageexpert.com/loan-products/ Our solutions ensure seamless management of your workflow, up to the minute complete loan transparency, and precise queue management to help you deliver more outstanding service. Our services include: Online and call center origination Loan processing Loan underwriting services Document preparation Closing coordination services Investor delivery Loan level balancing and accounting Pre and post close loan purchase review Warehouse line management Government insuring (FHA/VA and USDA) Trailing document procurement We service the following mortgage professionals: Brokers Broker to banker Mortgage bankers, including net branches and retail branches Correspondent lenders One of the most effective services NavPros offers lenders is our closing/post-closing service, with closed loan delivery to the conduit investor. Our closing/post-closing services include: Quality loan review of closing data and closing documents VOE, USPS Lookup, OFAC check Document preparation of the closing package Coordination of fees with settlement agent for final HUD-1 statement generation Completion of regulatory audit checks and assurance that all fees are within tolerance checks Review and approval of final HUD-1 statement to ensure accuracy Fund request from the warehouse bank, for timely funding Review of critical collateral docs for accurate borrower signature pages prior to funding authorization Secure closed loan package, forward collateral package to the warehouse bank Provide quality loan review on closed loan package, scan and upload to investor Monitor for E&O conditions and clear conditions Secure purchase advice from investor and forward to warehouse bank Loan accounting reconciliation and interim servicing Trailing document procurement FHA/VA insuring mortgage loan processing loan processing checklist loan processing steps loan processing salary loan processing training loan processing job description loan processing services contract loan processing loan underwriting loan underwriting process mortgage loan underwriting
https://wn.com/Loan_Processing_Loan_Underwriting_Services_Mortgage_Processing
How Underwriter's Calculate Income

How Underwriter's Calculate Income

  • Order:
  • Duration: 3:51
  • Updated: 18 Mar 2014
  • views: 17167
videos
https://wn.com/How_Underwriter's_Calculate_Income
Debt & Capital: Availability, Spreads & Underwriting in the Edmonton Real Estate  Market

Debt & Capital: Availability, Spreads & Underwriting in the Edmonton Real Estate Market

  • Order:
  • Duration: 2:52
  • Updated: 15 Jun 2016
  • views: 112
videos
Chris Fowler, CEO of Canadian Western Bank spoke at the 2016 Edmonton Real Estate Forum. Mr. Fowler discusses sources of debt and capital in terms of availability, spreads & underwriting for the Edmonton commercial real estate market. For more details on the conference or any of our 20 events, please visit http://realestateforums.com. With a total attendance of over 10,000 executives, our 21 conferences are a primary source of up-to-date information on the leasing, investment, development, and financing of office, industrial, retail and multi-unit residential real estate across Canada. The focus of our programs is to examine trends, strategies, risks, and opportunities. Combined with these insights is an environment where leading decision-makers in the Canadian and global markets can network and meet. Providing exceptional value for you as an attendee is our top priority by offering experts and leading practitioners on the most compelling issues at the lowest possible fee. For video sponsorship information, please contact Frank Scalisi at 416-512-3815 or Frank.Scalisi@informacanada.com. CONNECT WITH US Twitter http://ow.ly/ZLh4X LinkedIn http://ow.ly/ZLhbQ YouTube http://ow.ly/ZLhf6
https://wn.com/Debt_Capital_Availability,_Spreads_Underwriting_In_The_Edmonton_Real_Estate_Market
New Deal Financial Acts and the Business of Foreign Debt Underwriting

New Deal Financial Acts and the Business of Foreign Debt Underwriting

  • Order:
  • Duration: 7:38
  • Updated: 14 Mar 2012
  • views: 647
videos https://wn.com/New_Deal_Financial_Acts_And_The_Business_Of_Foreign_Debt_Underwriting
Seller Loan Process   Underwriting

Seller Loan Process Underwriting

  • Order:
  • Duration: 1:55
  • Updated: 05 Aug 2013
  • views: 91
videos
https://wn.com/Seller_Loan_Process_Underwriting
The Mortgage Process - The Underwriting Stage

The Mortgage Process - The Underwriting Stage

  • Order:
  • Duration: 0:52
  • Updated: 29 Apr 2017
  • views: 40
videos
http://www.DesertDreamRealty.com The Mortgage Process Explained - The Underwriting Stage --This video explains the third stage of the Mortgage process, the Underwriting Stage. This stage starts after all your loan paperwork has been submitted. The underwriter will organize the documentation you submitted and make sure it meets all qualification guidelines. The underwriter will also verify that everything is correct all facts, figures, income, and debt and funding. It is normal for the underwriter to ask for additional documentation. Look for the next stage of the mortgage loan process, the Clear to Close stage. https://youtu.be/65M1xRcfXA4 Looking for more information about real estate? Subscribe to our You Tube channel or check out our website at http://www.DesertDreamRealty.com. Call 480-252-8300 Today! Equal Housing Opportunity Find your Dream Home with us! Desert Dream Realty 6201 E Cave Creek Rd Suite B Cave Creek, AZ 85331 480-252-8300
https://wn.com/The_Mortgage_Process_The_Underwriting_Stage
Loan underwriting terms revealed

Loan underwriting terms revealed

  • Order:
  • Duration: 2:18
  • Updated: 18 Apr 2013
  • views: 399
videos
Cash flow, strong sponsorship and debt yield top the requirements that lenders are looking for in a loan request.
https://wn.com/Loan_Underwriting_Terms_Revealed
Stage Three of your loan - Approved with Conditions

Stage Three of your loan - Approved with Conditions

  • Order:
  • Duration: 1:16
  • Updated: 22 Mar 2014
  • views: 2362
videos
Your loan is out of underwriting, now we have a few final loan conditions to clear.
https://wn.com/Stage_Three_Of_Your_Loan_Approved_With_Conditions
Underwriting a Loan File in Lenders Office

Underwriting a Loan File in Lenders Office

  • Order:
  • Duration: 53:43
  • Updated: 08 Jul 2012
  • views: 6468
videos
Underwriting a Loan File in Lenders Office
https://wn.com/Underwriting_A_Loan_File_In_Lenders_Office
Credit Analysis 101

Credit Analysis 101

  • Order:
  • Duration: 59:47
  • Updated: 28 Jul 2014
  • views: 34302
videos
Sageworks regularly hosts free webinars for the banking industry. To see a list of upcoming sessions and to access a library of archived sessions, go to www.sageworks.com. Sageworks' Peter Brown reviewed some basic principles for understanding commercial credit anaysis including qualification (type of loan), quantification (debt service, key financial ratios, etc.) and presentation (what to include in the loan packet and how to present the information to loan committee). For more information, visit Sageworks at www.sageworksanalyst.com
https://wn.com/Credit_Analysis_101
Mortgage Underwriting Process Tips

Mortgage Underwriting Process Tips

  • Order:
  • Duration: 3:52
  • Updated: 21 Jan 2012
  • views: 15718
videos
Mortgage Underwriting Guidelines at http://www.mortgageunderwriters.com offer tips to help eliminate delays. http://youtu.be/A8SScOHGLaU
https://wn.com/Mortgage_Underwriting_Process_Tips
What is underwriting?

What is underwriting?

  • Order:
  • Duration: 2:38
  • Updated: 12 May 2010
  • views: 16941
videos
When you apply for a mortgage, one of the key steps in the approval process is underwriting. In this process, your loan is matched up with an investor who will purchase the loan in the secondary market. If no match exists, you will not be getting a loan. A tip: look for lenders with in-house underwriting...
https://wn.com/What_Is_Underwriting
Home Buying Process - Step 4: Underwriting Process | www.MortgageSolutionsOfGeorgia.net

Home Buying Process - Step 4: Underwriting Process | www.MortgageSolutionsOfGeorgia.net

  • Order:
  • Duration: 3:46
  • Updated: 01 Oct 2012
  • views: 9004
videos
Step 4 of 5 of the Home Buying Process: Underwriting Process. Brought to you by http://www.MortgageSolutionsOfGeorgia.net. Step 1: Mortgage Pre-Approval Step 2: Finding Your Home Step 3: Loan Documentation Step 4: Underwriting Process Step 5: Closing On Your New Home
https://wn.com/Home_Buying_Process_Step_4_Underwriting_Process_|_Www.Mortgagesolutionsofgeorgia.Net
National Debt Relief employee review - Roberto Martinez - Underwriting

National Debt Relief employee review - Roberto Martinez - Underwriting

  • Order:
  • Duration: 0:40
  • Updated: 07 Jun 2016
  • views: 1184
videos
Roberto Martinez offers a quick highlight of working at National Debt Relief in New York City. View current underwriting openings at https://www.nationaldebtrelief.com/employment-opportunities/
https://wn.com/National_Debt_Relief_Employee_Review_Roberto_Martinez_Underwriting
Are Your Debt Ratios Too High for a USDA Loan?

Are Your Debt Ratios Too High for a USDA Loan?

  • Order:
  • Duration: 3:31
  • Updated: 20 Mar 2015
  • views: 2052
videos
http://www.USDALoanPro.com - USDA loans and high debts ratios - Wondering if your debt ratios are too high to qualify for a USDA loan? The USDA qualifying guidelines take compensating factors into consideration. Sean Stephens from Metroplex Mortgages in Florida, Texas, Alabama and Tennessee shares his expert advice on how to qualify for a USDA loan even with high debt ratios. Read more: http://www.usdaloanpro.com/blog/usda-loans-with-high-debt-ratios/ Download our FREE USDA Blueprint for Success! http://www.usdaloanpro.com/blue-print-for-success/ GET MORE INSIGHTS More ProTips from USDA Loan Pro: Subscribe on YouTube:  http://www.youtube.com/subscription_center?add_user=MetroplexMortgage Website:  http://www.usdaloanpro.com Facebook:  https://www.facebook.com/MetroplexMortgage Twitter:  https://twitter.com/USDALoanPro USDA Published guidelines for debt ratios are 29% for housing and 41% for total overall expenses. However, when utilizing the GUS underwriting system and the response is an “Accept”, those debt ratios are considered eligible. The one exception would be in the case of a manual underwriting downgrade which would eliminate the ability for automated processing and those associated benefits. Installment accounts with 6 months or less remaining may be removed from the debt ratio calculation completely.   This guideline does not apply to revolving accounts such as credit cards. Please be advised that the payment may continue to be included in the debt ratio at the discretion of the lender’s underwriter. What about paying off debt during the loan process? For example, what if funds are available to pay off either a credit card or installment account after a contract has been signed and the loan is in process? This can be permitted, but please note that many lenders have specific overlays on this topic and may not allow accounts to be paid off after application has been made. Metroplex Mortgage Services will permit accounts to be paid off as part of the application process and prior to closing. Please remember that all funds used to pay off accounts must be documented from an eligible source. Metroplex Mortgage Services are experts in USDA loans. Request a call back on our website now to find out how we can help you qualify for a USDA home loan. Visit: http://www.usdaloanpro.com/contact-us/ We help with Florida USDA loan qualifying, Texas USDA loan qualifying, Tennessee USDA loan qualifying and Alabama USDA loan qualifying. Do you have a question about USDA Loans? Submit your question in the comments for next week's episode.
https://wn.com/Are_Your_Debt_Ratios_Too_High_For_A_Usda_Loan
Underwriting Trainging Part I

Underwriting Trainging Part I

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  • Duration: 11:14
  • Updated: 10 Oct 2013
  • views: 5522
videos
Mortgage broker training from LoanStream
https://wn.com/Underwriting_Trainging_Part_I
Understanding Conventional Commercial Loans

Understanding Conventional Commercial Loans

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  • Duration: 3:40
  • Updated: 04 Jun 2015
  • views: 3470
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For more information on Conventional Commercial Loans please visit us at https://www.commercialloandirect.com/conventional-commercial-loans-apartment-mortgages.html. Commercial loans can take 2 different forms – owner-occupied mortgages and investment mortgages. When the collateral is owner-occupied, the property’s sponsor(s) use over 50% of the building’s useable square footage for their personal businesses. Any other use makes the collateral investment property. It is important to note that in order to securitize a commercial loan properly Commercial properties must be zoned appropriately. Conventional commercial loans are mortgages backed by commercial real estate that are provided by a lending institution such as banks, credit unions, savings and thrift institutions, life insurance companies, hedge funds, pension funds, private financial institutions, etc. These loans are usually secured by a lien position on the subject properties being financed. The collateral may be any type of commercial real estate. Property types eligible are as follows: apartments or multifamily properties with over 5 units, office, retail, industrial, hospital & healthcare, self-storage, hotel, mixed use, and churches. Now let’s discuss loan parameters for most conventional loans. Conventional loans typically have a maximum LTV of 75-80%, while some lenders can stretch up to 85% in limited circumstances for financially strong transactions. Borrowers should expect to have “hard cash” equity invested in purchase transactions, while being able to maintain a post-closing liquidity sufficient to service their debt at the levels dictated by the lending institution’s credit department. Most conventional loans also call for an overall net worth equal to or greater than the loan amount requested. Conventional loan transactions will need to be able to meet a Debt Service Coverage Ratio between 1.15 and 1.55 times (depending on the program) and this ratio is calculated at the underwriting rate dictated by the lender. Term and amortization depends heavily on the institution providing the funding as well as the property type. Terms usually range from 3-15 years with amortizations ranging from 10-30 years. Conventional loans may be non-recourse, limited recourse, or full recourse. Prepayment penalty structures vary greatly depending on the institution funding the transaction. Typical prepayment structures include; Yield Maintenance, Declining (or step-down) , flat, or may be specially structured to suit a construction or mini-perm loan. Well that’s a wrap on basic conventional loan concepts. CLD offers multiple conventional loan options. For more information please visit us at https://www.commercialloandirect.com/. You may contact us at 800-687-0797 CLD Capital, Inc. 3399 Peachtree Rd NE Suite 1750 Atlanta, GA 30326
https://wn.com/Understanding_Conventional_Commercial_Loans
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