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Risky Mortgages Sub-Prime Loans | What about Jumbo Loans? | Why are Jumbo Loans Viewed as Risk?

Wait a minute!  I thought Jumbo mortgage loans were OK?  The last few weeks in mortgage financing have been a whirlwind of change.  A few weeks ago the main focus in real estate was on sub-prime loans that were associated with high risk to risky buyers,  Then it was Alt-A...which really are no and low doc loans.  All of a sudden they are considered risk.  Within the last week or so..jumbo loans seem to be the latest victim of mortgage risk! Now Jumbo Loans or non conforming loans over 417K are considered risk!  With new guidelines for Fannie Mae and Freddie Mac coming out in September that will change and limit qualifying amounts for  home buyers no matter what instrument they choose, it seems to me that the number of eligible buyers will be greatly decreased in the near future. At least in the short term it seems as if we are returning to more traditional and conforming loan underwriting with 20% down,  I would love for loan officers and mortgage companies to share their thoughts on the near future of mortgage loans.  All comments and insights would be greatly appreciated.

James Crawford ABR, Broker Associate





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Comment balloon 18 commentsJim Crawford • August 30 2007 11:25PM
Risky Mortgages Sub-Prime Loans | What about Jumbo Loans? | Why are…
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