The Digital Deed

Demystifying Debt Service Coverage Ratio (DSCR) Loans

Simplified Mortgages For Real Estate Investors Introduction Our DSCR mortgages are easy to qualify for, making them a popular Non-QM loan. DSCR programs don’t require you to provide or verify your personal income or employment history. Instead, qualification is based on the property’s Rent vs. (PITI) principal, interest, taxes, and insurance. That being said, sufficient […]

Reaching Gen-Z Homebuyers and Their Needs

Generation Z, also known as Gen-Z, refers to individuals born between 1997 and 2012. As this demographic group reaches adulthood, they are increasingly becoming a significant force in the housing market. In recent months, it’s become evident that reaching Gen-z homebuyers is going to be key for mortgage and real estate professionals.  Forbes shared that, […]

Alternative financing options for homebuyers & everything Non-QM loans

Buying a home is an investment, and for many people, it requires a loan. When it comes to buying, most people think of traditional conforming mortgage loans as the only option for financing, but that’s not the case. For borrowers who cannot or do not wish to route through the traditional loan procedures, there are […]

The importance of making the mortgage process simple for consumers like you

Obtaining a mortgage can be a lengthy and confusing process, even for experienced homebuyers. First-time homebuyers typically face a much higher learning curve as they navigate learning to understand their credit profile, the homebuying process and the many terms and regulations surrounding the housing industry.  For example, when it comes to closing costs, or fees […]

Coastal U.S. cities are seeing an unusual shift in housing price — and in opposite directions.

East Coast cities are seeing home prices rise as West Coast cities are seeing home prices fall, according to a new report. The larger question is: Which type of homebuyer has the upper hand in this crazy market? The U.S. is quickly seeing home prices move in opposite directions on either side of the coast […]

Turned down for a mortgage but have the assets & meet the requirements? Read this.

Getting approved for a mortgage can be complicated, especially if a borrower doesn’t fit the typical profile for a mortgage borrower. However, there are still ways that borrowers can obtain a mortgage if they search for the right type of loan for them.  What are typical mortgage loan requirements? Typically, lenders will search a borrower’s […]

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