Ez$ Podcasthosted By Zak Leedom, Cfp®

Adam welcomes  Brandon Caldwell, Senior Mortgage Advisor with Ruoff Mortgage to discuss rising interest rates and the changing mortgage market for residential purchases.  Brandon shares more about certain changes to regulation that make it more expensive for a qualified borrow to get a mortgage and more affordable for a less qualified borrower.  Brandon also talks more about loan level price adjustments and how they work during the mortgage process.  Given the prominence of new construction deals happening in the market Brandon explains those products and how they are trickier than you may anticipate.  Adam and Brandon also discuss some of the lesser utilized yet still viable products in today's market including Bank Statement Loans, No Doc Loans, and DSCRs.  Lastly, Brandon shares his advice to those who think they should wait until mortgage interest rates decline.   Email Brandon: B.Caldwell@ruoff.com  https://www.ruoff.com/BrandonCaldwell    Brandon Caldwell Senior Mortgage Advisor  Ruoff Mortgage, NMLS I