Ben Eisen

speaker

1,467 appearances 35 recordings 1 series first heard Jul 2017 last heard Nov 2024

Ben Eisen’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · Time to Refinance? The 4% Mortgage Is Back · 29 Mar 2019 podcast

It just makes it harder to earn income from lending. matched

So we'll have to see. matched

And it kind of depends how long rates stay this low. matched

You know, rates bounce around all the time. matched

So kind of this window of opportunity for the mortgage industry might evaporate as quickly as it came. matched

Thanks a lot. matched

Yeah, this is a type of loan. matched

It's an unconventional type of loan. matched

It's called a non-qualified mortgage. matched

And that encompasses a wide variety of mortgages. matched

But one that's particularly popular is the type that's given to people who don't have pay stubs. matched

They don't have tax forms. matched

Perhaps they own their own business or they have a side job or they're retired. matched

So instead, they provide bank statements that allow them to qualify for the mortgage or they can use their assets to do that. matched

And this sort of enables them to get around some of the traditional things that kind of block people out from the mortgage market. matched

Right. matched

It's important to note that this is a very, very small part of the market right now. matched

And when you're kind of looking back to these types of mortgages before the crisis, those were... matched

way more popular then than they are now. matched

The reason it's notable is because it has been growing during a time when the rest of the mortgage market is getting a little bit cooler. matched

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