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Unlocking Loan Solutions with Radian

Unlocking Loan Solutions with Radian

Hosted by Radian National Training

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Episodes

12

Latest episode

Dec 2024

Language

EN-US

About the show

Welcome to Radian National Training. Our industry-leading training has helped hundreds of thousands of mortgage professionals expand their knowledge & skills and gain a competitive edge.

Listen to episodes

12 recent
December 5, 20248 min

Restricted Stock Units (RSUs) - Unlocking Loan Solutions with Radian

This episode is a part of Unlocking Loan Solutions with Radian , a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level. Watch the Video Download the Job Aid All episodes In this episode, we explore the topic of Restricted Stock Unit (RSU) income and how it may be used towards mortgage qualification. We delve into the definitions, guidelines, and calculation methods used by Fannie Mae and Freddie Mac for this increasingly common form of compensation. We discuss: What are Restricted Stock Units (RSUs) and how do they work? Fannie Mae and Freddie Mac guidelines for using RSU income in mortgage qualification Differences between performance-based and time-based RSU vesting Documentation requirements for RSU income verification A scenario demonstrating RSU income calculations under different guidelines Resources Fannie Mae Selling Guide - B3-3.1-09, Other Sources of Income - Restricted Stock Units and Restricted Stock Employment Income Fannie Mae Selling Guide - B3-3.1-01, General Income Information - Continuity of Income Freddie Mac Seller/Servicer Guide - 5303.1, Employed income Stockopedia - 200 day Moving Average Sign up for Radian National Training Updates © 2024 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian’s prior written consent is expressly prohibited. Scenarios provided for illustrative purposes only do not constitute a commitment or the guarantee of a specified rate. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates.

June 6, 20248 min

Non-Traditional Credit - Unlocking Loan Solutions with Radian

This episode is a part of Unlocking Loan Solutions with Radian , a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level. Watch the Video Download the Job Aid All episodes In this episode, we delve into the complex and often misunderstood topic of non-traditional credit history in mortgage loan underwriting. Non-traditional credit history refers to alternative forms of credit that can be used when traditional accounts like student loans, mortgages, credit cards, or automobile loans are not present. We will explore: What is a non-traditional credit history? Fannie Mae’s Eligibility Requirements for non-traditional credit Underwriting non-traditional credit Scenarios to understand the application of non-traditional credit in mortgage loan underwriting Resources Fannie Mae Selling Guide Section B3-5.4, Nontraditional Credit History B3-5.4-01, Eligibility Requirements for Loans with Nontraditional Credit B3-5.4-02, Number and Types of Nontraditional Credit References B3-5.4-03, Documentation and Assessment of a Nontraditional Credit History B3-2-03, Risk Factors Evaluated by DU B2-2-04, Guarantors, Co-Signers, or Non-Occupant Borrowers on the Subject Transaction B2-2-06, Homeownership Education and Housing Counseling Freddie Mac Seller/Servicer Guide 5201.1 Credit assessment with Loan Product Advisor® Sign up for Radian National Training Updates © 2024 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction

February 23, 20245 min

Foster Care Income - Unlocking Loan Solutions with Radian

This episode is a part of Unlocking Loan Solutions with Radian , a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level. Watch the Video Download the Job Aid All episodes Join us in this episode as we delve into the topic of Foster Care Income. We'll explore how the GSEs, Fannie Mae and Freddie Mac, treat this income type, discuss guidelines around the history of income receipt, and review general documentation requirements. We'll also provide a couple of scenarios to aid your understanding of the use of this income. In this episode we will discuss: What is Foster Care Income and how it is treated by the GSEs Guidelines around the history of receipt General documentation requirements Scenarios to better understand the use of Foster Care Income Resources Fannie Mae Selling Guide: B3-3.1-01, General Income Information Fannie Mae Selling Guide: B3-3.1-09, Other Sources of Income Freddie Mac Seller/Servicer Guide: 5301.1, General requirements for all stable monthly income Freddie Mac Seller/Servicer Guide: 5305.1, Requirements for all other income (non-employment/non-self-employment) Sign up for Radian National Training Updates

January 11, 20246 min

Parsonage Income - Unlocking Loan Solutions with Radian

This episode is a part of Unlocking Loan Solutions with Radian , a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level. Watch the Video Download the Job Aid All episodes In this episode, we explore the concept of parsonage income, also known as a housing allowance, and its impact on a mortgage loan application. We will discuss: What is parsonage income and where it might come from Potential benefits of parsonage income How the GSEs treat this type of income Documentation requirements for parsonage income Example scenarios to help better understand the use of parsonage income in a loan file Resources Fannie Mae Selling Guide B3-3.1-01, General Income Information - Using Nontaxable Income to Adjust the Borrower’s Gross Income Fannie Mae Selling Guide B3-3.1-09, Other Sources of Income- Housing or Parsonage Allowance Freddie Mac Selling Guide 5305.2, Specific requirements for other income types Freddie Mac Selling Guide 9202.3, Borrower income documentation for workout or relief options Explore more complex income types, including non-taxable sources, social security income, child support and alimony. Foundations On Demand Course: Not Your Ordinary Income Not Your Ordinary Income: Social Security Benefits Not Your Ordinary Income: Military Pay Sign up for Radian National Training Updates

November 14, 20237 min

Non-Occupant Borrower - Unlocking Loan Solutions with Radian

This episode is a part of Unlocking Loan Solutions with Radian , a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level. Watch the Video Download the Job Aid All episodes Acronym List In this episode, we explore the subject of non-occupant borrowers in mortgage transactions. We'll discuss what GSE guidelines consider when reviewing a loan with a non-occupant borrower, and how a non-occupant borrower may impact the loan decision. What a non-occupant borrower is and why they may be included in a loan scenario The GSE guidelines for non-occupant borrowers How to verify a non-occupant borrower's eligibility Real-world scenarios involving non-occupant borrowers Resources Fannie Mae Selling Guide B2-2-04, Guarantors, Co-Signers, or Non-Occupant Borrowers on the Subject Transaction Fannie Mae Non-Occupant Borrower Fact Sheet Freddie Mac Selling Guide 5103.1, Mortgages including a non-occupying Borrower Sign up for Radian National Training Updates © 2023 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian’s prior written consent is expressly prohibited. Scenarios provided for illustrative purposes only do not constitute a commitment or the guarantee of a specified rate. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates.

October 17, 20236 min

Payment Shock - Unlocking Loan Solutions with Radian

This episode is a part of Unlocking Loan Solutions with Radian , a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level. Watch the Video Download the Job Aid All episodes In this episode, we explore the concept of payment shock, its impact on loan reviews, and how it can be mitigated. We discuss: Understanding payment shock in mortgage transactions GSEs' guidelines on payment shock Real-life scenarios illustrating payment shock Strategies to mitigate payment shock Importance of borrower education and suitable mortgage products in managing payment shock Resources Fannie Mae Selling Guide B2-1.4-02, Adjustable-Rate Mortgages (ARMs) Fannie Mae Selling Guide B3-6-04, Qualifying Payment Requirements CFPB: Ability-to-Repay/Qualified Mortgage Rule Radian Guidelines Sign up for Radian National Training Updates © 2023 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian’s prior written consent is expressly prohibited. Scenarios provided for illustrative purposes only do not constitute a commitment or the guarantee of a specified rate. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates.

October 17, 20234 min

Unique Properties - Unlocking Loan Solutions with Radian

This episode is a part of Unlocking Loan Solutions with Radian , a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level. Watch the Video Download the Job Aid All episodes In this episode, we explore the intriguing topic of unique properties in the context of mortgage loans. We will review: Examples of unique properties How GSEs view unique properties The impact of unique properties on loan submissions The importance of proper appraisal and supporting data for unique properties Resources Fannie Mae: Appraisal and Property-Related Frequently Asked Questions (Question 27) Fannie Mae Selling Guide B4-1.3-05, Improvements Section of the Appraisal Report - Unique Housing Types Fannie Mae Selling Guide Announcement (SEL-2023-08): 3D printed homes Freddie Mac Seller/Servicer Guide 5605.5 Improvements analysis Freddie Mac Appraisal Report and Property Eligibility FAQ Radian's guidelines Sign up for Radian National Training Updates © 2023 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian’s prior written consent is expressly prohibited. Scenarios provided for illustrative purposes only do not constitute a commitment or the guarantee of a specified rate. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates.

September 12, 20235 min

Non-U.S. Citizen Borrowers - Unlocking Loan Solutions with Radian

This episode is a part of Unlocking Loan Solutions with Radian , a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level. Watch the Video Download the Job Aid All episodes In this episode, we delve into non-US citizen borrowers. We'll discuss the different types of citizenship and residency, what may be required by the GSEs, and how different scenarios may be viewed by GSEs. What a non-US citizen and non-US citizen borrower is What may be required for verification Different types of citizenship and residency And how the GSEs may view different scenarios Resources: Fannie Mae Selling Guide: B2-2-02, Non–U.S. Citizen Borrower Eligibility Requirements Freddie Mac Selling Guide: 5103.2 Permanent and nonpermanent resident aliens IRS Resident and Nonresident Alien Information US Department of State Visa Categories Sign up for Radian National Training Updates © 2023 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian’s prior written consent is expressly prohibited. Scenarios provided for illustrative purposes only do not constitute a commitment or the guarantee of a specified rate. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates.

September 5, 20236 min

Trust Income in Mortgage Transactions - Unlocking Loan Solutions with Radian

This episode is a part of Unlocking Loan Solutions with Radian , a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level. Watch the Video Download the Job Aid All episodes This discussion will focus on a common theme we see coming to Radian Guaranty’s Customer Help & Sales teams, as well as in our live webinars: Trust Income. In this lesson we will discuss: The common Trust Income types you might see in loan files The different types of trust income that may be used to qualify for a mortgage How trust income may be used in mortgage transactions Documentation used to verify trust income Resources: Fannie Mae Selling Guide: B3-3.1-09, Other Sources of Income Freddie Mac Selling Guide: 5305.2 Specific requirements for other income types Sign up for Radian National Training Updates © 2023 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian’s prior written consent is expressly prohibited. Scenarios provided for illustrative purposes only do not constitute a commitment or the guarantee of a specified rate. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates.

July 26, 20233 min

Foreign Income in Mortgage Transactions - Unlocking Loan Solutions with Radian

This episode is a part of Unlocking Loan Solutions with Radian , a micro-learning series for mortgage & real estate professionals, with video, audio, and job aid for each topic. Choose your preferred learning style and take your learning experience to a new level. Watch the Video Download the Job Aid All episodes In this episode, we delve into the intriguing topic of foreign income in mortgage transactions. We shed light on its definition, importance, and how it's addressed under the guidelines set by Government Sponsored Enterprises (GSEs) like Fannie Mae and Freddie Mac. What is foreign income in mortgage transactions? Recognizing foreign income on tax returns Fannie Mae and Freddie Mac's foreign income requirements Foreign income considerations for self-employed borrowers Language translation and currency conversion Resources: Fannie Mae Selling Guide: B3-3.1-09, Other Sources of Income Freddie Mac Seller/Servicer Guide: 5305.1, Requirements for all other income (non-employment/non-self-employment) Google Currency Converter Oanda Currency Converter Sign up for Radian National Training Updates © 2023 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. "Radian" is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam. Radian Group Inc. and its subsidiaries and affiliates make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. Redistribution or reproduction of all or part of the contents without Radian’s prior written consent is expressly prohibited. Scenarios provided for illustrative purposes only do not constitute a commitment or the guarantee of a specified rate. Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Group Inc. or its subsidiaries and/or affiliates.

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