{"id":35624,"date":"2015-08-06T15:03:22","date_gmt":"2015-08-06T22:03:22","guid":{"rendered":"https:\/\/redfindevelop.wpengine.com\/blog\/?p=35624"},"modified":"2020-10-06T17:08:29","modified_gmt":"2020-10-07T00:08:29","slug":"high-risk-mortgages-all-in-the-eye-of-the-beholder","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/news\/high-risk-mortgages-all-in-the-eye-of-the-beholder\/","title":{"rendered":"High-Risk Mortgages: It's All in the Eye of the Beholder"},"content":{"rendered":"

Is it getting easier to get a home loan? Maybe for some people. JPMorgan Chase & Co<\/a>. this week said it would loosen credit standards and lower down payment requirements for jumbo loans. A qualified buyer with a 680 FICO score can put as little as 15 percent down on a single-family house and get a $3 million mortgage.
\nA jumbo is just what it sounds like \u2013 a big mortgage on an expensive house. But for most of us, getting approved for a smaller, plain-vanilla home loan can still be pretty difficult. That\u2019s because the U.S. government plays an oversized role in most mortgages of $417,000 or less and goes to great lengths to make sure taxpayers aren\u2019t saddled with a bunch of defaults. Jumbos, by contrast, are largely unregulated.
\nThis week, we got three new snapshots of those government-backed mortgages. What we saw were borrowers with really good credit and scores way above 680.
\nAt\u00a0Freddie Mac<\/a>, the\u00a0average borrower so far this year has a FICO score of 753, up from 748 in 2014. At Fannie Mae<\/a>, the average score is 750, up from 743 last year. Ellie Mae<\/a>, a company that tracks Fannie, Freddie, FHA and VA mortgages, said the average score for loans closed in June was 727.<\/p>\n

So what?<\/h2>\n

Lenders use FICO scores<\/a> to measure creditworthiness. They range from 300 to 850, and half of Americans come in at 713 or lower. As we’ve seen, that might not be enough to get you a $417,000, government-backed mortgage, even if it can get you a $3 million jumbo from Chase.
\n\"high-risk<\/a><\/p>\n

That\u2019s crazy!<\/h2>\n

Not really. Chase, the nation’s biggest bank, can offer easier credit terms because it keeps loans on its books and takes all the risk — it has skin in the game. If Chase wanted to approve you for a $417,000 loan and sell it to Fannie or Freddie, different rules would apply. That’s because if a Chase jumbo loan fails, Chase loses. If a Fannie or Freddie loan fails, the taxpayer loses.
\nSince the 2008 bank bailout, policymakers, industry leaders and economists have debated how best to prevent mortgage defaults. Require higher credit scores? Bigger down payments? Chase and other banks have done their own risk analysis and come up with some ideas. But for most borrowers who aren\u2019t shopping in jumbo territory, the government\u2019s rules<\/a> apply, and for now they\u2019re a lot tougher.<\/p>\n","protected":false},"excerpt":{"rendered":"

Half of Americans have credit scores below 713. Thanks to tough rules, that might not be enough to get you a $417,000, government-backed mortgage. But it might get you a $3 million jumbo from JPMorgan Chase.<\/p>\n","protected":false},"author":13355,"featured_media":35636,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[8],"tags":[74],"coauthors":[],"class_list":["post-35624","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-housing-market-news","tag-mortgage-tips"],"acf":[],"yoast_head":"\nHigh-Risk Mortgages: It's All in the Eye of the Beholder - Redfin Real Estate News<\/title>\n<meta name=\"description\" content=\"Half of Americans have credit scores below 713. 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