The Digital Deed

23 Mar
2023

Everything you need to know about non-QM loans to reach your homeownership dreams

Thinking about a non-QM loan? You’re not alone. The current interest rate climate is fostering a rise in the popularity of alternative loan products. More and more people are looking at alternative lending options to the traditional 30-year conforming mortgage, and here’s why: The Federal Reserve once again hiked the federal funds rate at its […]
9 Mar
2023

Crypto Investors Brace for Crackdown? Here’s what you should do

According to coverage in the Wall Street Journal, “the walls are closing in around crypto.” (The link is here, but fyi, it’s behind a paywall.) It’s an interesting take on regulators finally deciding that crypto trading needs some structuring around the digital-currency business. And they mean business, as some trading was halted in recent weeks. […]
1 Feb
2023

What and who qualifies you for a loan?

When it comes to taking out a mortgage, many borrowers are looking at how to begin, including who qualifies them for a loan and how they can qualify. There are several different ways to go about obtaining a mortgage loan, depending on an individual’s personal circumstances. For example, some first-time homebuyers may have more options […]
18 Jan
2023

Top Mortgage FAQs. You have mortgage questions, Defy Mortgage has the answers.

Buying a home is the largest investment many Americans will make, and, especially for first-time homebuyers, this process will raise a number of questions about navigating the mortgage process. While the home-buying process is unique to each individual homebuyer and dependent on their personal financial situation and the contract they negotiate on the home they […]
4 Jan
2023

Mortgages for Entrepreneurs

Unlike W2 employees, who may show their paystubs as proof of income to obtain a mortgage, entrepreneurs have a more difficult time securing a mortgage loan.  Those who are self-employed must find other ways of proving their income, such as submitting their tax returns. However, most entrepreneurs are well aware of the expense reporting process, […]
21 Dec
2022

Interest rates are up. Interest rates are down. What does this mean for you?

Interest rates have been on a roller coaster since hitting all-time lows during the COVID-19 pandemic. During the pandemic, mortgage rates hit record lows after sinking below the 3% mark to a record low of 2.65% in January 2021, according to data from Freddie Mac. Since then, interest rates have been steadily rising, surpassing the […]

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