Letter from FHA Commissioner David Stevens

Posted Tue, 07/20/2010 - 16:23 by Amcap

Mortgages:
- Texas mortgage
Purchase Loans:
- Texas home loans,
- Texas FHA loans

Here at American Capital Home Loans, we do our best to read daily Texas Home Mortgage Loan updates to stay on top of information that is pertinent to you all. This week, a letter sent out by FHA Commissioner David Stevens stated the importance of high quality standards within the mortgage industry.

“Quality underwriting is not only essential; it is expected. Every lender engaging in business with FHA is expected to perform and maintain quality underwriting standards. FHA has flexible guidelines in place so we can best serve our mission of providing affordable housing opportunities to American families and be a source for insuring the availability of mortgages in a time of market contraction.” Stevens said in his letter.

We couldn’t agree more. The best part about being an Austin mortgage bank is having all of our processors and underwriting in house. This way, we can ensure the highest quality lending experience for our clients. We’re not waiting on other banks to make the decisions for us.

Stevens went on to say, “It is imperative we look at income levels, credit history, and qualifying ratios realistically and make decisions responsibly”. This means that there is simply more to look at on our end as we review FHA applications than there have been in years past. This is why we work diligently with you to confirm that everything needed is in order. We are also more than happy to answer any questions along the way.

Stevens concluded with, “We have to create a climate of trust and confidence that will attract investors and free liquidity. If we are wise now, the market will be healthier and more secure in the future”. The economy will recover. It’s just a matter of when. At American Capital, we work hard to make sure that we live up to Mr. Stevens’ mission of high quality lending and underwriting. When it comes to your Austin TX mortgage, satisfaction is our number one priority.

American Capital Home Loans. Experience Truth in Lending.

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