Mortgage payment gap widens between new and existing borrowers
Educational
Scotsman Guide reports that the divide between what existing homeowners pay each month and what new borrowers face keeps growing, with pandemic-era mortgages still delivering outsized savings to millions of current borrowers. That locked-in advantage has created a two-tier market: one group shielded from today's higher rates, and another entering at levels that reshape what properties cash-flow.
For investors and buyers on the wrong side of that gap, the math on every deal has changed. loantrust.ai works in that adjusted reality with financing built for it: DSCR loans that qualify on property income rather than personal W-2s, bank-statement programs for self-employed borrowers whose tax returns do not tell the full story, and bridge, fix-and-flip, and new-construction products for strategies that do not assume permanent low-rate holds. One licensed MLO packages each file directly, not a call center passing work between shifts.
The payment gap is not a temporary headline; it is a structural condition that rewards borrowers who can structure around it and penalizes those who shop for products meant for a market that no longer exists. loantrust.ai operates directly in that space, with programs and a process designed for the rate environment actually in front of investors now.
Source: Scotsman Guide, “Mortgage payment gap widens between new and existing borrowers”. Read the original →
About loantrust.ai — Whether you're buying your first home, refinancing, or funding your next investment deal, you deserve a straight answer from a real loan officer — not a call center. loantrust.ai is the Atlanta-based mortgage brokerage where one licensed MLO personally packages every loan: conventional, FHA, VA, refinance, DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs. Get a written quote you can compare against any lender — in about two minutes: compare your options
Hans Michel, Mortgage Loan Originator, NMLS #2857209 · LoanTrust is a dba of RentAssure Inc. · Licensed in Georgia · NMLSConsumerAccess.org · Equal Housing Opportunity. Nothing on this site is a commitment to lend — all loans subject to underwriting and approval. DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs are business-purpose loans for investment properties only.