|By PR Newswire||
|January 7, 2014 04:43 PM EST||
SAN DIEGO, Jan. 7, 2014 /PRNewswire-iReach/ -- LoanLove.com is a borrower advice website that offers valuable insights, quality info and connections to the top industry professionals in a casual and even entertaining packaging. The website promises that it is "NOT another boring, stuffy, "fall asleep in your chair" site about loans." The articles provided explain any advanced loan terms so that even a brand new home buyer can easily understand and benefit from them, yet also do not skimp on important details, making them useful for experienced home buyers as well. A recent article featured on the website takes a look at some of the changes the industry will see in the coming year and offers some useful home loan tips for 2014.
The article says, "Twenty-fourteen is heading to be a strange year for mortgage rates and the mortgage industry. It appears to be full of contradictions. Nevertheless, certain economic basics are in play – supply, demand, and regulation. Overall, the mortgage industry will see the following changes. Based on lower housing inventory, the total dollar amount of mortgages will decrease in 2014. Mortgage rates will increase, as it is likely that the Federal Reserve will stop buying mortgage-backed securities to attract private lenders back into the market. Private lenders will come back into the market and as the number of mortgages increase, rates will rise. Five percent is still a low enough rate to keep buyers interested. Homeowners who are holding onto their property will sell as the market price of their property rises. These sellers will then become buyers, increasing the demand for mortgages. Lenders will carefully check mortgage documents to insure that they follow sound lending practices. Income verification and source of down payment will be scrutinized."
Clearly it is going to be a challenging year for home buyers and those who are looking for the best mortgage loans 2014 has to offer will want to be fully armed with any information that could give them an advantage. The following tips are given in the article in order to help make things easier on borrowers this coming year. Loan Love says,
"With tighter qualifications for mortgages a sure thing next year, the most important mortgage tips for 2014 are:
• Shop for your mortgage
• If you do not know any mortgage brokers ask friends, family and your realtor for recommendations
• Check with the Consumer Finance Protection Board for any derogatory information on the broker you select
• Prepare your documentation before applying – have tax returns, recent payroll stubs, recent bank statements available. Make sure all bills are current. Check your credit bureau reports.
It is good that the Federal government is taking steps to make sure that banks and other mortgage lenders make loans that are more responsible than the junk mortgages that led to the nation's financial collapse in 2007 – 2008."
For more information about the changes coming for mortgages this year, please click here to read the full article at LoanLove.com.
Media Contact: Kevin Blue, LoanLove.com, 949-292-8401, [email protected]
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