Blog – Mark Feder

28 Nov 2025

The Role of Mortgage Originators in Negotiating Loan Terms with Lenders

Mortgage

Many buyers only see the visible steps in the mortgage process, such as gathering documents or reviewing approval conditions. Behind the scenes, a mortgage originator plays a significant role in advocating for the borrower and helping secure loan terms that match the buyerís financial goals. This guidance can make the entire experience smoother and more successful. How an Originator Reviews Your Financial PictureA mortgage originator begins by understanding your full financial profile. This includes income, credit history, assets and long term goals. By reviewing these details, the originator can identify which loan programs may benefit you most and how to…

27 Nov 2025

By Mark Feder

Thanksgiving Day Gratitude

Holidays

Today is a day to pause and reflect on the people who make this work meaningful. We are truly thankful to every person who has allowed me to be part of their home journey. Whether we have worked together in the past, are connected right now, or will meet in the future, we appreciate the trust you place in us. Thankful for Your ConfidenceEvery conversation, every question and every step forward is a reminder of what an honor it is to support you through one of the most important decisions in life. Your confidence motivates us to show up with…

26 Nov 2025

By Mark Feder

The Role of Asset Verification in Mortgage Underwriting

Mortgage Tips

When buyers apply for a mortgage, income and credit history get most of the attention. However, there is another essential part of the underwriting process that plays a major part in determining approval. Asset verification helps lenders understand the financial strength behind an application and gives them greater confidence in the borrower's ability to manage the loan responsibly. What Asset Verification MeansAsset verification is the process of reviewing the funds a borrower has available. This includes checking bank accounts, retirement accounts, investment accounts and any other liquid sources. Lenders look for accurate documentation that confirms the money belongs to the…

25 Nov 2025

By Mark Feder

How Non-Occupant Co-Borrowers Can Help with Mortgage Qualification

Mortgage Tips

Many hopeful homebuyers find that their income alone does not quite meet the requirements for a mortgage. This challenge is especially common for people early in their careers, those recovering from financial setbacks, or buyers facing higher home prices. One option that can make a meaningful difference is bringing in a non-occupant co-borrower. What a Non-Occupant Co-Borrower IsA non-occupant co-borrower is someone who agrees to apply for the mortgage with you but does not plan to live in the property. Their income, credit history and financial stability are reviewed alongside yours. This added support can help strengthen the entire application.…