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A Potential Major Tax Bill After a Short Sale

June 23, 2014 by Ron Henderson

Last fall, the IRS and the state Franchise Tax Board issued letters stating that California families who have sold their home in a short sale are not subject to either state or federal income tax on the forgiven debt. Recently, the IRS, claiming that its original letter had been “too broad,” issued ... » Learn More about A Potential Major Tax Bill After a Short Sale

Filed Under: Uncategorized

California Housing Market at a Glance

June 23, 2014 by Ron Henderson

The media is dwelling on the existing "national" home sales increasing month over month by almost 5%, when California's sales slowed by .6% month over month, and almost 10% year over year. This is prime time during the year when most sales are coming together. The statewide inventory level stayed ... » Learn More about California Housing Market at a Glance

Filed Under: Uncategorized Tagged With: California Real Estate market, economics, first time buyers, housing affordability, Los Angeles Real Estate market, san fernando valley

95% LTV PMI vs FHA – PMI Wins

June 19, 2014 by Ron Henderson

The recent coverage cost changes on both FHA and PMI have tilt the scales, in opposite directions, on the payment on high loan to value (LTV) loans. Private Mortgage Insurance (PMI), Federal Housing Administration (FHA), and the Veterans Administration (VA), don't make loans. They insure the ... » Learn More about 95% LTV PMI vs FHA – PMI Wins

Filed Under: Uncategorized Tagged With: FHA vs PMI, mortgage rates, Mortgage Regulations

Basics of Ability to Repay Mortgage Regulation

June 16, 2014 by Ron Henderson

The Ability to Repay mortgage rule section of the Dodd Frank Regulations works in conjunction with the Qualified Mortgage (QM) regulation. At a minimum, creditors generally must consider eight underwriting factors: (1) current or reasonably expected income or assets; (2) current employment ... » Learn More about Basics of Ability to Repay Mortgage Regulation

Filed Under: Uncategorized Tagged With: Ability to Repay, Dodd Frank financial regulations, Mortgage Regulations

Mortgages For Every Scenario – FHA-VA-Stated-Investor

June 16, 2014 by Ron Henderson

With all the changes being made in the mortgage industry, and new government regulations being a moving target, it's advantageous to have access to the wholesale divisions of numerous big, small, private, and credit union lenders. 30 years experience can help structure deals that can close. ... » Learn More about Mortgages For Every Scenario – FHA-VA-Stated-Investor

Filed Under: Uncategorized

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