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The range of loan products offered by mortgage lenders and investors has been narrow since the housing crisis, but a few underserved niches are starting to make a comeback. Here are six ways relaxed underwriting standards are unlocking new mortgage lending opportunities.
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Smaller Down Payments

The share of high loan-to-value purchase mortgages is at a two-year high, and the average down payment for single-family homes, condos and townhouses was 14.8% in the first quarter, the lowest rate in three years.
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Alt-A Makes a Comeback

Impac Mortgage, the former alternative-A lender that managed to survive the financial crisis, is lowering its underwriting guidelines in hopes of extending more credit to self-employed borrowers.
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Big Boys Funding Home Flippers

Some high profile investment companies have started competitively financing home buyers that fix houses up and sell them at a profit.
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Marketplace Lenders Boost Small-Balance CRE Loans

A growing number of players in the emerging marketplace lending sector are specializing in the underserved small-balance commercial real estate loan market.
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CMBS Originators Get More Competitive

Small banks and nonbank lenders are getting more competitive by originating commercial mortgages with lower credit quality than loans originated by large banks.
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Technology Drives Real Estate Crowdfunding

Benworth Capital recently launched a $50 million capital raise for a technology-based community funding platform for real estate, adding to the field of players participating in this selective short-term loan market.
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