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Hot Property Tips 3

#16. IS THE LOAN MARKET CRASHING?!

Actually, yes and no. The loan market is going through an adjustment phase that is necessary because of the over loaning of the past. I the past 10 years or so, the lending market was basically a free for all. I use to claim that if you were breathing and hadn’t been in prison for the last 7 years, I could get you a loan. And that was basically the truth. 100% loans were out there for almost everyone including those with lower credit. All was fine until houses started losing value. Then all those 100% loans started going into foreclosure. Now the market has swung too far to the conservative side, and conventional loans are reducing their loan to values way below 100%. If you have decent credit, you can still get a 97% loan, and with even poor credit you can get a 90% loan. So even though the market is adjusting, with the rates as low as they are, now is still a great time to invest in Real Estate!

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