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Yield Spread Premiums Can Bite You
The yield spread premium (YSP) is a mystery to most home buyers, but it would pay you to get more familiar with this little misunderstood feature of the mortgage business.
It's the basis for the fee a broker gets for selling a loan above the par rate, or the lowest interest rate a borrower qualifies for. It's a standard industry practice, but it can also be an incentive for abuse.
The larger the yield spread, the more a broker earns, and that can tempt them to steer borrowers to higher interest loans.
A prime, fixed-rate loan at par may earn a broker a fee of one percent or less, but a hybrid adjustable rate mortgage (ARM) can pay four percent or more.
Borrowers can avoid YSP abuse by carefully going over any offer they get and comparing annual percentage rates.
APRs take into account all the one-time fees involved and provide a reasonably accurate picture of costs over the lifetime of a loan. They may be only listed in fine print but they will be disclosed in ads and - by law - must be disclosed before the loan can be finalized.
Remember the old saying, "if a deal sounds too good to be true; it probably is." Although the majority of mortgage brokers are responsible, valuable assets for home buyers, they have no fiduciary responsibility to do their best by clients. Bad actors among them have no qualms about taking advantage of borrowers.
If you're thinking about buying a home and would like to talk to a reputable lender first, contact us. We can refer you to several lenders we've worked with over time, and those who will not try to steer you in the wrong direction on your home mortgage. We'd love to hear your comment below by clicking the comment link.
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Buying a First Home
Planning to buy your first home? Here's the most important question you should ask yourself before you purchase a home…
Know Exactly Why You Are Buying The Home
This may sound fairly straightforward, however, some people may have no real plan why they are buying a home in the first place. You could be buying a home to:
- Live in it yourself.
- Generate rental income.
- Sell the home once it increases in value.
- Act as a hedge against inflation.
Or a combination of some or all of these.
Most people look at homes they think they can afford, and buy a house they feel reasonaby comfortable buying, at the lowest price possible.
Well, that may turn out to be a wise strategy. But not always.
If you are wanting to buy a home to live in, then you make sure it fits you, because you are the one who will be living in it. On the other hand if you are looking at selling the place later and making money from it, then that may not be the best thing to do. It's not always the lowest cost homes that appreciate the most. Surprisingly, the high end luxury homes may appreciate the most over several years.
Buying a home hoping to just turn a profit is a lot like trying to win in the stock market. You should know the market like the back of your hand if you really want to profit from it. If you treat real estate investing like gambling, then guess what kind of results you may end up with?
If you are wanting to buy a home to generate either rental income or to sell it later and profit, then investing in a home just because you like it may not be a very profitable decision. You may want to invest in a place that the market is likely to value a lot…and before you can make such a decision, you may want to educate yourself about the local real estate market.
We can help you. Contact us for any questions you may have about the local market here, or leave a comment below.
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