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Tag Archives: DTI

Where Homeowners Are Overleveraged

debt

With mortgage rates falling and the buyer’s market in full swing, some potential homeowners might be tempted to go ahead and buy before they’re ready. Find out where homeowners may be overspending on mortgage payments.

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The State of Homeowner Credit

debt

Homeowners are feeling a high debt-to-income ratio, but according to recent data, not all is lost. Here’s how some of that pressure may be relieved.

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The Key to Easing Mortgage Defaults

Here’s what a new research that gauged the impact of mortgage payment and principal reduction revealed about how they impacted defaults and delinquencies and the implications for policies on how financial institutions can help homeowners facing default.

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FHA Updates Underwriting Guidelines for Evaluating Borrower Risk

The Federal Housing Administration (FHA) issued new guidelines for manually underwritten loan applications that should improve a lender's ability to evaluate borrowers' risk and reduce credit requirement ""overlays"" that exceed FHA's lending standards. The agency says the move will help restore its depleted Mutual Mortgage Insurance Fund from which it pays claims without forcing lenders to over-tighten credit standards.

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