Sentences with phrase «of safe borrowers»

You can build a conservative portfolio of safe borrowers on Lending Club and still see returns of 7 % or higher.

Not exact matches

Loan - level pricing adjustments are the government's way of raising prices for «riskier» borrowers without putting a penalty to «safer» ones.

In general, these loans are a safe choice for borrowers who have a guarantee of increased future income or business revenue.

Nearly 90 mortgage lenders have formed an alliance to support passage of legislation to «reinvigorate» the Federal Housing Administration so it can provide safe and affordable financing for homebuyers, as well as a lifeline for subprime borrowers who are in trouble.

In general, payday loan borrowers were very supportive of the lending product, yet they still believe the government has a part to play in making the industry safer and less prone to predatory behavior.

If you use less than 30 % of your credit, you're consider a safe borrower and get a positive rating.

For many borrowers with high interest rate student loans, refinancing the loans with a private lender is often a better alternative and a safer way to reduce interest rates without the risks of balance transfer cards.

In turn, investors get to pick and choose whether they want to invest with a risky borrower and earn a higher rate of return, or invest with a safer borrower with a lower rate.

At the time of approval, borrowers are assigned a risk grade between A and G, with an A grade being the safest borrower.

Although these new requirements are more extensive than past requirements, they will ultimately serve to protect countless reverse mortgage borrowers from default as well as further contribute to making the federally - insured HECM one of the nation's safest loan products in the market to date.

With unsecured loans, your credit becomes more of a factor as it is the only tangible security lenders have that you are a safe and responsible borrower.

A risky borrower may enter a swap with bank A, which then takes an offsetting swap position with bank B (earning a bit of the credit spread as its compensation), and so on, with a cheerful money market investor at the end of the chain holding a safe, government backed security, oblivious to the chain of counterparty risk in between.

Lenders care a lot about the length of time they lend a borrower money, because it is safer and easier to predict short - term market and economy conditions when deciding what interest rate they must lend at to make a profit.

Though most of the charity work will be devoted specifically to getting people safe / healthy after a disaster, and to the rebuilding effort, there are often charities specifically designated to help student loan borrowers.

It is safe to say the new jumbo products will not be the solution for all borrowers, but it most definitely gives a senior more options and the ability to choose whether or not they wish to capitalize on a program that looks at the full value of their home (up to $ 4 million).

North Carolina has very strict title loan laws, all of which are designed to keep borrowers safe, which is a good thing.

To help keep borrowers safe, all of our partner lenders are totally compliant with state regulation, and actively work to ensure borrowers understand their loan terms and payments.

Fixed rate borrowers are safe for now, but those with variable interest can expect to pay more.That's the case at SoFi, one of the -LSB-...]

The features promised in the TV commercials include: «A reverse mortgage is a safe government insured loan, allows borrowers to remain in their home for life, no mortgage payments, create a stable secure retirement, provide additional income, a better quality of life.

«SAFE GOVERNMENT INSURED» actually means the borrower pays the FHA insurance premium to protect the lender and ensures they will recover 100 % of the loan, fees and costs.

«This is consistent with the narrative that, if you're a very safe borrower or a large corporation, it is very easy for you to get a loan — in fact there is a lot of competition because these borrowers have access to lots of nonbank sources,» Covas said.

The purpose of the QRM exception from the risk retention requirement is to encourage safe, reasonably priced lending, not to raise costs for millions of creditworthy borrowers.

NAR has already raised concerns about the impact these standards will have on the pricing, terms, and availability of non-QRM loans to otherwise creditworthy borrowers, including low and moderate income borrowers who maintain good credit and seek safe loan products to qualify for affordable mortgages.

Loan - level pricing adjustments are the government's way of raising prices for «riskier» borrowers without putting a penalty to «safer» ones.

As part of the broader ability - to - repay mandate, Congress also designated «qualified mortgages,» which are structurally safer and are underwritten according to standards that make it reasonable to expect that borrowers have an ability to repay.

To best ensure safer, well documented and underwritten loans without limiting the availability or increasing the costs of credit to borrowers, NAHB supports a QM safe harbor definition that would provide more assurance to lenders that they will not be subject to increased litigation if they use sound underwriting criteria.

Improved access to safe, affordable mortgage credit through FHFA's 3 percent down payment program will help new borrowers achieve the dream of homeownership.»

For many of those borrowers, FHA - insured financing, with its solid underwriting standards, is a safer choice than subprime loans.

There were other defensive moves as well, because in its original form the rule included very specific credit standards borrowers would have to meet, and those were also taken out and replaced with a broad rule that gives lenders flexibility in how they meet the rule's intent, which is to create a class of safe loans that borrowers have a reasonable expectation of paying back.