Not exact matches
Most lenders rely on the actuarial method, which
follows a clear formula defined
by the law.
There are no established, industry - wide standards for underwriting, though
most lenders follow standards set
by government - related agencies, private mortgage insurers, private mortgage investors or institutional investors.
However
most lenders follow the conforming limits allowed specifically
by county.
Once again, you are borrowing against your future earnings, so
lenders calculate risk based on school completion (freshman are the
most likely to drop out,
followed by sophomores, etc.).
On the flip side, nearly six out of 10
lenders (58 %) say that they exercise the
most caution when reviewing hotel loan applications, closely
followed by undeveloped land (54 %).
Mortgage
lenders appeared the
most bullish on industrial properties, with a 269 percent increase in originations in the first quarter of 2015,
followed by multifamily properties, which saw a 71 percent increase in originations.