{"id":3444,"date":"2023-02-06T10:26:37","date_gmt":"2023-02-06T10:26:37","guid":{"rendered":"https:\/\/heideinternati.wpengine.com\/?page_id=3444"},"modified":"2023-04-27T11:38:51","modified_gmt":"2023-04-27T11:38:51","slug":"faillissementen-foreclosures-scheidingen-15","status":"publish","type":"page","link":"https:\/\/heideinternational.com\/nl\/faillissementen-foreclosures-scheidingen-15\/","title":{"rendered":"What Is A Non-Qualified Mortgage?"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"3444\" class=\"elementor elementor-3444\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8faa9e9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8faa9e9\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8ea94e4\" data-id=\"8ea94e4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0788fe0 elementor-widget elementor-widget-heading\" data-id=\"0788fe0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">What Is A Non-Qualified Mortgage?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-05f0f5b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"05f0f5b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-392c6f2\" data-id=\"392c6f2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3f6c190 elementor-widget elementor-widget-video\" data-id=\"3f6c190\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/ZE9yBhKKGtU&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65fa554 elementor-widget elementor-widget-text-editor\" data-id=\"65fa554\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Not all mortgage is the same. Some programs allow for non-traditional income, credit and property. These are called NON-QUALIFIED mortgages or Non-QM. It\u2019s a loan designed to help homebuyers who don\u2019t meet the guidelines required by Fannie Mae, Freddie Mac, FHA and VA.<\/p><p>These rules were established as part of a 2010 Consumer Protection Act and Dodd-Frank Wall Street Reform Act to protect consumers against risky features like negative amortization, prepayment penalties and such.<\/p><p>Since not everyone can fit into the standard guidelines, lenders are allowed to offer Non-QM loans. So, as an example, if you are a foreign national, have credit issues, or can\u2019t verify your income in the traditional way, you might qualify for a Non-QM mortgage.<\/p><p>Federal law still requires mortgage lenders to know you have the ability to repay your loan; so, they will qualify you with alternate sources of income like bank statements, or they may rely on larger down-payments and other sources of credit like reference letters. These types of mortgages also serve the needs of real estate investors; since the lending restrictions set by the Dodd Frank rules typically apply to owner-occupied properties not investment properties. So, lenders have more room to be creative when offering financing on investment properties.<\/p><p>The downside of Non-QM mortgages is that they typically have higher interest rates, and guidelines vary from one lender to another.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>What Is A Non-Qualified Mortgage? Not all mortgage is the same. Some programs allow for non-traditional income, credit and property. These are called NON-QUALIFIED mortgages or Non-QM. It\u2019s a loan designed to help homebuyers who don\u2019t meet the guidelines required by Fannie Mae, Freddie Mac, FHA and VA. These rules were established as part of [&hellip;]<\/p>","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-3444","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Is A Non-Qualified Mortgage? - Heide International LLC<\/title>\n<meta name=\"description\" content=\"Not all mortgage is the same. Some programs allow for non-traditional income, credit and property. These are called NON-QUALIFIED mortgages. 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