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J. Scott Harris – MortgageXperts.com

Call us 1st to AVOID mortgage problems, Call us 2nd to SOLVE them! We close loans every day that Banks would not, or could not approve. NMLS # 375517 – Mobile 214-435-8825

Unintended Consequences of mortgage reform

The switch to self-employment has mortgage implications

Despite excellent credit, it’s still possible to be turned down for a mortgage due to new rules on verifying that borrowers have the ability to pay.

By Lew SichelmanJanuary 12, 2014, 5:00 a.m.

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I am an unintended consequence.

I have loads of money. I own four properties free and clear. I have no debt. My credit file is impeccable. I have a credit score of 760.

And I was just turned down for a mortgage.

Not just any mortgage, but a cash-out refinance of less than six figures on a foreclosure I bought for cash, rehabbed and turned back on the market as a rental. Furthermore, I was only asking for a loan-to-value ratio of 70%, meaning I was leaving 30% of the home’s value as equity. And I was rejected.

Read More

http://www.latimes.com/business/realestate/la-fi-lew-20140112,0,7530878.story#ixzz2qOftRVKS


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