{"id":1016,"date":"2020-10-09T06:00:37","date_gmt":"2020-10-09T10:00:37","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=1016"},"modified":"2024-04-25T23:20:28","modified_gmt":"2024-04-26T03:20:28","slug":"mortgage-tech-no-longer-an-oxymoron","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/mortgage-tech-no-longer-an-oxymoron\/","title":{"rendered":"Mortgage Tech: No Longer an Oxymoron"},"content":{"rendered":"\n

The fully digital real estate closing is coming. The\ntechnology is here. The mortgage industry is exploring its potential \u2014 with\nretail demand leading the way.  <\/em><\/p>\n\n\n\n

\"Person<\/figure><\/div>\n\n\n\n

Remember your first encounter with the mortgage world? If\nyou\u2019re like many people, yours was a nerve-wracking paper chase in slow motion. Each mortgage can generate hundreds\nof pieces of paper, and easily take a month or more to close. The process is one\nof the last bastions of paperwork in a digital age. <\/p>\n\n\n\n

But sharp advances started occurring in March 2020, when mortgage lenders had no choice but to set up remote operations. Then the federal government cut interest rates. There was a surge of interest in refinancing. Mortgage companies scrambled for ways to automate processes and collaborate online. We witnessed a sudden outcry from the California Lawyers Association<\/a> for remote online notarization<\/a> \u2014 an initiative that only months earlier just seemed too\u2026upstarty<\/em>.<\/p>\n\n\n\n

The mortgage tech platform Rocket Companies<\/a>, launched by Quicken Loans, debuted on the New York Stock Exchange in August 2000. Other companies \u2014 Lenda, SoFi, Sindeo, FormFree, Better.com, Zillow Home Loans and more \u2014 also have high-tech lending experiences to offer home shoppers. <\/p>\n\n\n\n\n\n\n\n

Are the Digital Mortgage Platforms as Easy as They Seem?<\/h2>\n\n\n\n

A well-built digital mortgage portal makes document sharing\nsimple, and transforms a previously opaque process into something user-friendly,\nefficient, and transparent. A typical\nonline application could take an hour or so to fill in, and the overall process\ncan cut approval time in half. The biggest selling point is the speed. <\/p>\n\n\n\n

But some home shoppers say the platforms are\nadministration-heavy and rigid, making case-specific interest rate decisions\nand exceptions difficult. As with tax returns, using an online platform is best\nif you\u2019re working with a straightforward, simple set of circumstances. If you\nget paid a salary or hourly wages (if you have W2s rather than 1099s), and you\nhave a good credit score, and you don\u2019t have multiple properties, then a DIY mortgage\non a digital platform should work without a hitch. A mortgage banker can help\ncomplete your approval in any case, once you have all the data inputs finished.<\/p>\n\n\n\n

Are Digital Mortgages Riskier? <\/h2>\n\n\n\n

In some ways, digital mortgage platforms might reduce<\/em> risk. They employ artificial intelligence to support dependable risk analysis. They produce transparent financial data, so the buyer\u2019s identity, assets, income and debts can be easily reviewed and understood by lenders and customers. Experian<\/a> notes that financial tech allows loan companies to pull data from a range of sources \u2014 not just credit card use, but also car payments, rent and electric bills. This raises the bar, and now financial institutions are following suit by broadening their\u00a0customers\u2019 credit data profiles.<\/p>\n\n\n\n

Digital lenders are applying debt-to-income standards and verifying\nborrowers\u2019 finances to ensure their applicants are capable of repayment when\nthe approval is issued. The guidelines applicable to traditional mortgage\ncompanies will generally apply to all lenders, including the digital companies.\n<\/p>\n\n\n\n

At the end of the day, the product these platforms deliver are\nthe same loans you\u2019d find with traditional mortgage specialists. In fact,\nplatforms that aren\u2019t owned by lending institutions have to sell buyers\u2019\naccounts to secondary markets where the actual capital for the loan is\navailable. <\/p>\n\n\n\n

What Is the Customer Experience Like? <\/h2>\n\n\n\n

To look at how they work, let\u2019s take a specific example. Consider\nthe very high-profile Rocket Mortgage digital loan platform from Quicken Loans,\naccessible on a computer or phone. <\/p>\n\n\n\n

First, we need to differentiate Rocket Mortgage\u00ae from\nQuicken Loans\u00ae. Your area real estate experts might already work with Quicken,\nwhose process takes place in person and through back-and-forth over phone\ncalls. Rocket Mortgage is the digital edition. As the same corporation stands\nbehind them, standards for loan approval will be identical between the two. In\nother words, use Rocket Mortgage and your loan is processed by Quicken.<\/p>\n\n\n\n

Rocket Mortgage offers applications to buyers (with choices\nlike \u201cSee What You Qualify For > Buy a Home”) and to refinancers\n(\u201cRefinance > Lower Your Monthly Payment\u201d). Using Rocket Mortgage, customers\nmay apply for conventional loan with Fannie Mae and Freddie Mac guidelines, or government-backed\nloans with the Federal Housing Administration, the Veterans Administration for\nformer service people, or the U.S. Department of Agriculture for rural real\nestate.<\/p>\n\n\n\n

You can select repayment terms, down payment choices, and fixed\nor adjustable rates. Most buyers\u2019 credit data and financial accounts can be\npopulated right from financial institutions into the online form. Income\nand employment information can also be imported for many people. Help videos\nand the option to chat with a licensed mortgage pro are readily available. <\/p>\n\n\n\n

After all your preferences and permutations are in the\nsystem, Rocket Mortgage calculates what you qualify for. Download your\npre-approval letter, lock in a rate, and you\u2019re ready to go ahead with your\ntransaction. Payments are easy to make, and it\u2019s simple to eSign the documents for\nthe underwriter\u2019s examination and to schedule the closing date. <\/p>\n\n\n\n

What Are the Disadvantages of the Online Mortgage Experience?<\/h2>\n\n\n\n

Rocket Companies and some of the other online loan companies\nare well known, and national in scope. The other side of the coin? Sometimes the\nseller\u2019s agent will insist on a pre-approval letter from a local or regional\nbank rather than a nationwide platform. <\/p>\n\n\n\n

Keep this in mind, too, when you make your decision: The\nonline experience doesn\u2019t replace local experts. A great local real estate\nagent knows at least one local mortgage specialist, and knows how to help\nbuyers get to the right place for an approval. Local lending companies tend to\nhave a network in the real estate sphere, including title insurers and home\nappraisers, that may be helpful if friction comes up in a transaction. A\nrelationship with a mortgage specialist could get you through an underwriter\u2019s\nchallenges. Local professionals can use what they know about your background \u2014\nthings gleaned from sitting down with you and talking through any perceived\nshortcomings as a borrower. They can help you raise a credit score, possibly\nmaking the difference between a government-backed loan and a less expensive\nconventional loan, or between having to pay private mortgage insurance or not.\nAnd while your local mortgage specialist might insist on a larger down payment,\nit makes sense to put enough down to make a substantial investment from the\noutset and start building up your equity.<\/p>\n\n\n\n

On the platforms, origination fees may cost up to about one\npercent of the loan amount. Some platforms fold fees and costs into the\ninterest rate \u2014 which could nevertheless be lower than traditional lenders\u2019\nrates. It\u2019s a good idea to compare the platform\u2019s rates with those of local\nlenders, because small differences amount to tens of thousands of dollars over\nthe course of a mortgage. Be sure to compare the same quote. Will the platform\nexpect you to pay points to get the advertised rate? Will the rate be the same for\nthe loan amount you need?<\/p>\n\n\n\n

More Choice Means a Better Environment for Loan Customers <\/h2>\n\n\n\n

Overall, there is a place for mortgage tech in the real\nestate world. Startups are now competing with\u2014and putting some pressure on \u2014\nthe country\u2019s biggest banks. This means large banks are now becoming more\nagile, more transparent, and more likely to reduce their paperwork and\nintroduce high-tech replacements. <\/p>\n\n\n\n

The current high demand for loans is helped by new entrants\nand more consumer choice. This could keep big banks more competitive and more\nengaged with their customers. All in all, then, mortgage tech is a net\npositive; and we can expect to see many advancements in this area in the coming\nyears.<\/p>\n\n\n\n

Helpful References<\/strong><\/p>\n\n\n\n

Mortgage Bankers Association, Research and Economics<\/a>.<\/p>\n\n\n\n

Kate Rockwood for Inc<\/em>., Buying a House Is Miserable. These Startups Are Trying to Help<\/a>.<\/p>\n\n\n\n

Photo credit: Luke Peters<\/a>, via Unsplash <\/p>\n","protected":false},"excerpt":{"rendered":"

The fully digital real estate closing is coming. The technology is here. The mortgage industry is exploring its potential \u2014 with retail demand leading the way.  Remember your first encounter with the mortgage world? If you\u2019re like many people, yours was a nerve-wracking paper chase in slow motion. Each mortgage can generate hundreds of pieces of […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[71],"tags":[],"class_list":["post-1016","post","type-post","status-publish","format-standard","hentry","category-general"],"yoast_head":"\nMortgage Tech: No Longer an Oxymoron - Deeds.com<\/title>\n<meta name=\"description\" content=\"\ufeffThe fully digital real estate closing is coming. The technology is here. 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