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6 Crucial Mortgage Questions to Ask

6 Crucial Mortgage Questions to Ask

Nations Lending’s experienced mortgage advisors are great at setting our borrower’s expectations and asking questions up front. We tell potential borrowers that if they are in the market to purchase or refinance a home, there are questions our clients will be asked. Some answers will potentially complicate the process, meaning more documentation will be required. […]

Buyer Behavior- Why Rent When You Don’t Have To?

Buyer Behavior- Why Rent When You Don’t Have To?

At Nations Lending we see first-hand how clients change over the years. There are shifts in financial demographics: credit score, income and median housing prices. But more importantly there are shifts in homebuyer behavior: an increase in the average age of a homeowner and increase in the length a person rents before buying. According to Zillow, across […]

What are Fannie Mae, Freddie Mac and Ginnie Mae?

What are Fannie Mae, Freddie Mac and Ginnie Mae?

Nations Lending’s management feels that it is important for our originators and branch managers to have a basic understanding of the capital markets. After all, what happens in those markets directly influences our borrower’s rates. And it is estimated that currently 90% of mortgages are through Ginnie, Fannie, and Freddie. Fannie Mae is the nickname […]

Understanding the Importance of Debt Financing

Understanding the Importance of Debt Financing

Many consumers are familiar with the concept of “debt” when borrowing money. Let’s talk about a different kind of debt- financial evolution, specifically, debt financing. Having an understanding of the current environment is an asset for Nations Lending’s clients. Over the past 25 years non-financial corporate debt has only risen modestly as a share of […]