{"id":9921,"date":"2009-10-01T20:41:15","date_gmt":"2009-10-02T03:41:15","guid":{"rendered":"http:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/?p=9921"},"modified":"2009-10-01T20:41:15","modified_gmt":"2009-10-02T03:41:15","slug":"bloodhoundblog-radio-fhava-in-2010-with-tony-gallegos","status":"publish","type":"post","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/9921\/bloodhoundblog-radio-fhava-in-2010-with-tony-gallegos\/","title":{"rendered":"BloodhoundBlog Radio:  FHA\/VA in 2010 (with Tony Gallegos)"},"content":{"rendered":"<p>Wondering about the future of VA home loans and FHA mortgages?\u00a0 Listen to my interview with Bloodhound Blog contributor, Tony Gallegos.\u00a0 We discuss:<\/p>\n<ul>\n<li>San Diego County VA\u00a0mortgage statistics (<em>the market share number is going to astound you<\/em>)\u00a0<\/li>\n<li>Why VA loans have the lowest default rate among all four major loan types (<em>including conventional prime<\/em>).<\/li>\n<li>Why FHA isn&#8217;t really going broke (<em><a title=\"government mortgage option\" href=\"http:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/?p=9794\">contrary to my earlier statement<\/a>,\u00a0it&#8217;s doing\u00a0quite well<\/em>)<\/li>\n<li>Why lenders are initiation stricter guidelines on FHA loans than HUD requires<\/li>\n<li>Why I suggest that HUD is asking FHA-approved lenders to do the &#8220;heavy lifting&#8221; for them<\/li>\n<\/ul>\n<p>The interview last about 40 minutes; the perfect\u00a0treadmill companion.\u00a0<\/p>\n<p><strong><a title=\"VA loans san diego\" href=\"http:\/\/recordings.talkshoe.com\/TC-81328\/TS-274827.mp3\">Listen to it here<\/a><\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Wondering about the future of VA home loans and FHA mortgages?\u00a0 Listen to my interview with Bloodhound Blog contributor, Tony Gallegos.\u00a0 We discuss: San Diego County VA\u00a0mortgage statistics (the market share number is going to astound you)\u00a0 Why VA loans have the lowest default rate among all four major loan types (including conventional prime). Why [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[26,18],"tags":[],"class_list":{"0":"post-9921","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"hentry","6":"category-lending","7":"category-podcast","9":"no-featured-image"},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":9880,"url":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/9880\/fha-broker-approval-delegated-to-approved-de-lenders-will-this-squeeze-out-smaller-players\/","url_meta":{"origin":9921,"position":0},"title":"FHA Broker Approval Delegated to Approved DE Lenders: Will This Squeeze Out Smaller Players?","author":"Tony Gallegos","date":"September 28, 2009","format":false,"excerpt":"Over the last eight days, calls from my clients and mortgage associates having been growing on a daily basis concerning the recent announcement by the FHA delegating mortgage broker approval to originate FHA loans to approved DE lenders. Quite frankly, many small lenders and mortgage brokers are concerned the mega-lenders\u2026","rel":"","context":"In &quot;General&quot;","block_context":{"text":"General","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/category\/general\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":9723,"url":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/9723\/why-your-fha-decision-engine-approval-gets-denied\/","url_meta":{"origin":9921,"position":1},"title":"Why Your FHA Decision Engine Approval Gets Denied","author":"Tony Gallegos","date":"September 11, 2009","format":false,"excerpt":"The occurrence of FHA loans receiving an FHA TOTAL Scorecard approval and subsequently having the loan denied once it hits the underwriter\u2019s desk is happening more and more. It\u2019s a reality the field must acknowledge and from what I have seen, the good originators have taken note and have adjusted\u2026","rel":"","context":"In &quot;Lending&quot;","block_context":{"text":"Lending","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/category\/lending\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":7903,"url":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/7903\/fha-and-va-assumable-loans-offer-an-exit-strategy-for-todays-buyers\/","url_meta":{"origin":9921,"position":2},"title":"FHA and VA Assumable Loans Offer an Exit Strategy For Today&#8217;s Buyers","author":"Brian Brady","date":"April 16, 2009","format":false,"excerpt":"How can an FHA mortgage or VA home loan sell a home faster?\u00a0\u00a0 When mortgage rates are 10% and the 5% government loan is assumable. I've taken a few pokes at the contributors on Active Rain; John MacArthur isn't one of them.\u00a0 John is a Branch Manager with Long and\u2026","rel":"","context":"In &quot;Lending&quot;","block_context":{"text":"Lending","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/category\/lending\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":11762,"url":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/11762\/fha-va-tip-the-amendatory-clause\/","url_meta":{"origin":9921,"position":3},"title":"FHA\/ VA Tip:  The Amendatory Clause","author":"Brian Brady","date":"April 13, 2010","format":false,"excerpt":"Here's a tip for real estate agents, when presenting an offer with FHA\u00a0 or VA financing; include the FHA\/VA Amendatory Clause to the Purchase Contract as part of the offer.\u00a0\u00a0 You'll save you, the seller's agent, the escrow company, the lender, and most importantly your buyer, a lot of last\u2026","rel":"","context":"In &quot;Lending&quot;","block_context":{"text":"Lending","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/category\/lending\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":10474,"url":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/10474\/its-going-to-get-harder-to-get-an-fha-loan\/","url_meta":{"origin":9921,"position":4},"title":"It&#8217;s going to get harder to get an FHA loan&#8230;&#8230;","author":"Tom Vanderwell","date":"December 2, 2009","format":false,"excerpt":"We'll get more details later today, but it looks like it's going to get harder and be more expensive to get an FHA loan.\u00a0\u00a0 A couple of main points to consider:FHA is currently losing money by the truckloads, so something has to change.The increased FICO scores, larger downpayments and reduced\u2026","rel":"","context":"In &quot;Lending&quot;","block_context":{"text":"Lending","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/category\/lending\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":11070,"url":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/11070\/what-will-the-fha-90-day-flip-rule-suspension-mean\/","url_meta":{"origin":9921,"position":5},"title":"What Will The FHA 90-Day Flip Rule Suspension Mean ?","author":"Brian Brady","date":"January 29, 2010","format":false,"excerpt":"The FHA\u00a0 suspended the 90-day flip rule as of February 1, 2010, for a period of up to one year.\u00a0 I'm not so sure lenders are going to play ball, though.\u00a0 I've found that lenders are implementing the 90-day seasoning rule for all loans, not just FHA, these past six\u2026","rel":"","context":"In &quot;Real Estate&quot;","block_context":{"text":"Real Estate","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/category\/real-estate\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/posts\/9921","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/comments?post=9921"}],"version-history":[{"count":2,"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/posts\/9921\/revisions"}],"predecessor-version":[{"id":9923,"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/posts\/9921\/revisions\/9923"}],"wp:attachment":[{"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/media?parent=9921"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/categories?post=9921"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/tags?post=9921"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}