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What the New Qualified Mortgage (QM) Regulations Mean for VA Loans
http://www.huffingtonpost.com/chris-birk/qualified-mortgage-regulations-va-loans_b_4557492.html
What the New Qualified Mortgage (QM) Regulations Mean for VA Loans These loans are devoid of riskier features and meet a set of requirements aimed at ensuring the borrower can afford the loan they're getting. Mortgages that meet the QM requirement will also help shield lenders from claims that they put a borrower into

The end of the mortgage party? Home lending plummets at Wells Fargo, JP ...
http://blogs.marketwatch.com/thetell/2014/01/14/the-end-of-the-mortgage-party-home-lending-plummets-at-wells-fargo-j-p-morgan-chase/
That's jolting compared to the past couple of years: It's just the second time in nine quarters that mortgage originations have been below $100 billion. But it's also bad on a longer time frame: Wells Fargo hasn't funded just $50 billion in mortgages

Pros and Cons of FHA-Backed Mortgages
http://www.fool.com/investing/general/2014/01/17/pros-and-cons-of-fha-backed-mortgages.aspx
Bad credit qualification. The FHA will insure loans for people with low credit scores who may not be eligible for conventional loans.The FHA requires a minimum credit score of 580 for a 3.5% down payment mortgage, while many lenders choose to impose a 

8 Reasons to Get Your Mortgage From a Banker
http://www.dailyfinance.com/2014/01/25/8-reasons-to-get-your-mortgage-from-a-banker/
This is the big one, because banks hold assets (loans), the full brunt of bad loans falls on their head. This gives banks the incentive to make good loans, and also the autonomy to make loans that don't fit into Fannie Mae and Freddie Mac's definition

Bad Credit Mortgage Lenders

www.lendinguniverse.com Bad Credit Mortgage lenders provide financing and hard money loans refinancing nationwide. This story demonstrates the ...

Financial crises can be predicted — and avoided | TheHill

History tells us that by monitoring growth in private debt relative to GDP, regulators and policymakers can have a reliable and sensible early warning system for financial calamity.

Many have proclaimed that financial crises cannot be predicted, but this resignation betrays those millions who do not cause the crises but are badly damaged by them. Our ability to predict financial crises should have profound policy implications.

Data analysis of the years preceding the 43 largest financial crises over the last 200 years shows that financial crises, also known as banking crises, happen when a large number of a country’s lenders fail or have to be rescued. These crises have happened a lot. In the U.S. alone, the financial system came crashing down in 1792, 1819, 1837, 1857, 1873, 1884, 1893, 1907, 1914, 1929, 1987 and 2008.

How do you get out of a bad mortgage lenders grasp?

Have lived in home, 15 years, some deferred payments when job lost occurred 4 years ago, unable to refinance{we really do not want to} but we are still paying mortgage, but receiving harassing calls daily after a payment is made.


There is no way you can just select and change lenders because of problems. Some mortgage lenders are more aggressive about monthly mortgage payments being late and will make telephone calls inquiring as to why.