Real Estate Vu: Marco Island

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<a href="http://www.realestate-vu.com/2015/06/non-bank-lender-growth-cauts-federal.html" target="_blank">Non Bank Lender Growth Cautions Federal Policy Maker</a></h2>
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<span style="font-weight: normal;">Non-bank lenders continue to emerge as dominate players in
the mortgage lending industry almost doubling their market position from 2012
to 2014.  These non-bank lenders are being
eyed by policymakers, causing Government Sponsored Enterprises (GSE) such as Freddie
Mac and Fannie Mae to modify their non-bank standards in May.   </span></div>
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The attraction to non-bank lenders for consumers, according
to a June 1 paper published by Marshall Lux and Robert Greene from the Harvard
Kennedy Massavar-Rahmani Center for Business and Government is largely due to
granting mortgages to lower FICO score applicants.   According to the study, in the last quarter of
2013, the median FICO score of FHA insured borrowers was 675 at non-banks
compared to the 685 at banks.  Compared
to the last quarter of 2014, non-bank lenders loaned to borrowers with a 667
score while traditional lenders loaned to FICO scores of 682.  <br />
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Technology
plays a vital role in the growth of non-bank lending.  Borrowers are attracted to on-line
applications, receiving quick mortgage approvals and enjoy highly rated
customer experiences.  Non-banks costs
the consumer less and the non-bank business structure engages regulators.   No wonder the non-bank mortgage business is
booming!  Today, even if your FICO score
is under 700, whether you are searching for a <a href="http://www.floridahomerealty.com/">golf communities in Southwest Florida</a> or <a href="http://www.floridahomerealty.com/">beachfront condos in Southwest Florida</a>, non-bank lenders just might
be able to help.  Call <a href="http://www.floridahomerealty.com/">Florida Home Realty</a> for list of non-bank lenders that can help you.  <o:p></o:p></div>
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The FHA insuring these loans is what has driven the Fed to
review the insurance requirements.   Astonishing statistics for first part of 2015
indicate over 60% of FHA mortgage originations were by non-bank entities to
borrowers of higher risk compared to 30% in 2012.  Low income, low down payments contribute to
risk of default and can severely contribute to housing market downturns.  Jack Guttentag, Professor at the Wharton
School of Business noted that because FHA mortgage insurance premiums are not
linked to credit scores, low-income borrowers are accepting less favorable terms,
and as long as FHA insurance can be secured, the loans are made.  <o:p></o:p></div>
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There is no doubt that non-bank companies present a threat
to the GSE’s.   As technology continues
to affect the mortgage industry and borrowers are getting mortgages under the
non-bank business model, adjustments will continue.   Modifying FHA insurance guidelines to level
the playing field between non-banks and traditional lenders is just the beginning.  Non-traditional bank financing can help you
purchase in all of <a href="http://www.floridahomerealty.com/">Southwest Florida including luxury properties in Naples</a>, <a href="http://www.floridahomerealty.com/">Marco Island</a>, <a href="http://www.floridahomerealty.com/">Bonita Springs and Estero</a>.<br />
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Non Bank Lender Growth Cautions Federal Policy Makers

Non Bank Lender Growth Cautions Federal Policy Maker Non-bank lenders continue to emerge as dominate players in the mortgage lending i...

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Non Bank Lender Growth Cautions Federal Policy Makers

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