Rising appraisal defects signals likely stress for lenders
Educational
BREAKING — National Mortgage News reports that appraisal-related findings in loan files surged more than 38% in the second quarter, even as the overall defect rate ticked down by seven basis points. That divergence suggests lenders are catching more valuation problems before they close, yet the volume of those problems is growing fast enough to slow pipelines and add uncertainty to deals already in motion.
For investors and self-employed borrowers, this creates a financing environment where file quality and direct communication matter more than ever. loantrust.ai works in this space with DSCR, fix-and-flip, bridge, new-construction, and bank-statement programs, and each file is packaged by one licensed MLO rather than routed through a call center. That structure is built for situations where appraisal questions need quick, informed answers instead of queue time.
A market with rising appraisal friction rewards lenders that can move decisively when property cash flow, not personal income, drives qualification, and when a single point of contact understands the deal from submission to close. loantrust.ai operates directly in that gap, offering financing strategy for real estate investors and homeowners who need the file handled correctly the first time.
Source: National Mortgage News, “Rising appraisal defects signals likely stress for lenders”. Read the original →
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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.