Non-QM lending is on the rise, but here’s why it’s not the subprime of the past

Non-QM lending is on the rise, but here’s why it’s not the subprime of the past. 0 Comments Read Now . There were many causes of the housing crisis, but near the top of the list (if not at the top) was the rise of subprime lending and its subsequent impact on the secondary mortgage market.

We’ll see if QM/non-QM, and ATR, are enough to keep that from happening. Certainly, investors want more yield. There’s a delay in terms of knowing how large this potentially risky population is, but it is updated on a year lag basis and thus we will not be able to see the full 2017 impact until the end of 2018.

But here’s why you should take a look now: Since New York-based Goldman is trying to build up the business rapidly, it’s offering some of the highest rates on savings deposits in the U.S. – currently 1.7%.

There’s also a new breed of subprime known as non-QM; Nowadays, if you’re looking for a subprime loan, you can either check out government programs like FHA loans or VA loans, or seek out a non-QM lender, the latter of which offers more accommodating financing alternatives. As noted, both the FHA and VA allow subprime borrowers to apply because they accept credit scores well below 620.

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 · Lending Club’s ongoing expenses as a share of its outstanding loan balance is about 2%; the equivalent for conventional lenders is 5-7%. That means it can offer better deals to the borrowers and lenders who congregate on its platform.

Although the non-QM segment of the mortgage industry is still in its infancy, steady growth and positive performance have led to an evolution from wholesale to correspondent lending demand. As.

Financial System and the Subprime Crisis. Published on January 2017 | Categories: Documents | Downloads: 4 | Comments: 0 84 views

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