Please feel free to learn more about our loan programs and visit our directory to locate a Mortgage Loan Officer in your area. Qualified or Conforming Mortgages used to be the most typical mortgage that the home owner would qualify for. There were mortgages that fully conformed to Fannie Mae and Freddie Mac conventional guidelines.
These loans are easiest for most homebuyers and refinancers to qualify for. A non-qualified mortgage (non-QM) is a home loan designed to help homebuyers who can't meet the strict criteria of a qualifying mortgage. For example, if you are self-employed or don't have all the necessary documentation to qualify for a traditional mortgage, you might need to look at non-qualified mortgages.
These loans are easiest for most homebuyers and refinancers to qualify for. A non-qualified mortgage (non-QM) is a home loan designed to help homebuyers who can't meet the strict criteria of a qualifying mortgage. For example, if you are self-employed or don't have all the necessary documentation to qualify for a traditional mortgage, you might need to look at non-qualified mortgages.
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To help better educate the consumer Obsidian Financial Services has devised guidelines which help you to understand the many aspects to obtaining your home loan. Since the 2010 collapse of the mortgage industry, many aspects of purchasing and obtaining a home mortgage have drastically changed.
Factors such as Income qualification, down payment, credit scores and verification of assets have all been affected by the enactment of the 2010 Dodd-Frank bill.Once Approved We Will Lock in Your Rate and Submit the Loan For Processing and Underwriting. This Will Include Ordering an Appraisal if needed, Ordering Your Title Work, and Making Sure That You Purchase the Correct Home Owners Insurance and Verifying Funds To Close and Employment.
Factors such as Income qualification, down payment, credit scores and verification of assets have all been affected by the enactment of the 2010 Dodd-Frank bill.Once Approved We Will Lock in Your Rate and Submit the Loan For Processing and Underwriting. This Will Include Ordering an Appraisal if needed, Ordering Your Title Work, and Making Sure That You Purchase the Correct Home Owners Insurance and Verifying Funds To Close and Employment.
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