Author: Kelly Hagel

With more than 10 years of experience as a mortgage underwriter, I add a strong understanding of loan guidelines and deal structuring to my role as a Loan Officer with E Mortgage Capital. I work with first-time buyers, repeat buyers, and real estate investors and specialize in Conventional, FHA, VA, and USDA financing. As a real estate investor myself, I also have used DSCR financing for my own rental properties, giving me firsthand insight into investor lending strategies. With over a decade of underwriting experience, I understand what it takes for a loan to be approved and structured to close.

NAR Subpoenas American Real Estate Association in Clear Cooperation Lawsuit: What It Means for the Housing Market

If you have been following the ongoing legal battles surrounding the National Association of Realtors and its Clear Cooperation Policy, there is a new development worth paying attention to. NAR has issued a subpoena to the American Real Estate Association for documents and communications related to ThePLS.com, the Clear Cooperation Policy, and the NAR Accountability […]

Mortgage Applications Give Back Some of Last Week’s Gains: What It Means for Buyers

After a strong showing the week prior, mortgage applications took a step back as rates responded to fresh inflation data and shifting geopolitical headlines. As someone who spent over a decade as a mortgage underwriter before becoming a Loan Officer, I find weeks like this particularly interesting to analyze. The numbers tell a story, and […]