Jeff explains various loan qualifications, how numerous variables affect the types of loans available to prospective homebuyers, and some “shortcuts” to avoid when trying to secure a loan. Guests featured in this episode:

– Ryan Bagan of 11 Mortgage talks about overlays on government loans, staying up-to-date on ever-changing technology to be the most beneficial to clients, and the adverse market fee on refinancing.

– Chris Calderon from LoanStream discusses new loan products, such as an FHA loan that is 100% financed for a 1st and a 2nd mortgage, and where he thinks the housing market is heading.

– Kim Soash of Homebridge outlines recent changes with Fanny Mae and Freddie Mac regarding limiting the number of high-risk loans they will grant, how that has become a positive for the non-QM segment of the business, and where those programs stand on forbearance.