回複：昨天問過貸款問題。這裏是問過mortgage broker的結果。

最近幾個月條例的確變了很多。
1。出租房屋equity不超過30％，租金不算收入，隻算成純債務。這個是從8月份開始的。
As I understand, rental income is based in last two year tax return.

If equity i less than 30%, borrower need 6 month PITI reserve for all REO.





2。stated income 借貸基本不可能，影響很多做小生意的人。從10月20日以後。


SISA still aviable, 35 to 40% down with 7.5% + rate and 2 to 5% point.

More populaqr, hard money loan do nota sk anything. 60% ltv and average 15% rate.

3。每個人名下的mortgage從up to 10 變成4。
For investment only, if you buy or refi primary home, still 10.

4。broker們都希望今後幾個月會有一些新產品出爐，抵消部分上麵的效應，。


I do not think so. Fannie Mae and Freddie Mac are shout of money.
I guess due to less inport from Chna, the fund used to buy US bond is limited,


5。第一次買房的人，或者第一個mortgage，根據收入和信用，當然信用的要求也高出很多，仍然可以借到95％。

97% if you use FHA or some conforming loan.

VA and USDA still loan 100%.



這樣，各地的房價還會跌的

Yes. BUt it is come to bottom. The volume is start stable.

Prepare cash. That time cash is king.