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April 4, 2018

Trouble Brewing for Fannie and Freddie in High DTI Market?

By John Bancroft

MGIC, Radian, Essent and National MI all announced that they would no longer insure loans with DTI ratios over 45 percent and credit scores below 700…

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Who "owns" the mortgage customer that’s brought to a wholesale lender through a loan broker?

The broker. It’s his/her client.
The wholesale/table funder. They’re taking the financial risk.
The broker, but only for the first year. After that, the borrower is fair game.
Hard to answer. It’s a complicated issue.

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