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"...what produces it is too much government spending and too much government creation of money and nothing else." —Milton Friedman
”That the world after several millennia of steady individual saving, is so poor as it is in accumulated capital-assets, is to be explained, in my opinion, neither by the improvident propensities of mankind, nor even by the destruction of war, but by the high liquidity-premiums formerly attaching to the ownership of land and now attaching to money.” —John Maynard Keynes
The General Theory of Employment, Interest and Money
We provide clients with mortgages that transcend common lending standards to develop financial security and advance wealth creation.
Defining a mortgage, the promissory note and the deed of trust, and how they work together.
Defining and calculating Payment-to-Income, PTI, the most basic measure of a borrower’s ability to repay their mortgage.
https://www.huduser.gov/portal/pdredge/pdr-edge-featd-article-081417.html
Defining and calculating the debt-to-income ratio, DTI, the most common measure of a borrower’s ability to repay a mortgage.
The Debt Service Coverage Ratio, used to qualify investors’ ability to repay on investment properties, can be helpful for non-investors, too.
Why continuous savings is important when considering a mortgage payment and housing affordability.
Mortgage prepayment risk exposure of seller financing and other lenders.
Explaining the distribution of proceeds in the event of a foreclosure.
COMPANY NMLS ID 2591135
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