Broker Daily Podcast Network · Finance Specialist: What every broker must tell their clients before rates rise again
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add 3% to the market rate when calculating a borrowing capacity test
3%
“They're going to change things like 40-year loans and how much shading they do in borrowing capacity calculators. So we see an increase in credit.”
“Fix the schedule before you add capacity. A visual scheduling method shows you six months ahead when you’ll run out of capacity”
“Every dollar you add over here adds $7 over here for capacity to go out and purchase other agencies”
“The calculator we built assumes a growth rate of about 8% a year, because this is the broad market sort of index return over the long run”
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