Are the sub-prime loans back?

As a result of the real estate crash in 2008 and numerous questions around the loan programs that helped facilitate the housing crash, sub-prime and Alt-A loan programs have all but disappeared.

Additionally, as an over correction to the massive tumult that occurred, and the financial industry fall out globally, Agency Mortgage Buyers tightened existing underwriting guidelines putting massive numbers of mortgage applicants on hold from purchasing a home, an investment property, or even small balance commercial property. 

As the United States has seen steady recovery in the real estate markets both residential and commercial, the market makers have done little to nothing, to lessen the burden on those seeking to purchase real estate who have money, who have good credit and who are responsible.  Why should these people be declined when applying for mortgages?  Great question, but there is no solid answer other than time will cure all.  The massive size of Fannie, Freddie and FHA, will never lend themselves to quick decision making, and the notion that the Federal Reserve Bank has announced a slow-down in its purchase of Mortgage Backed Securities would indicate no time soon that we will see more lenient underwriting guidelines for Agency mortgage programs.

Enter Alpha Commercial Equity.  Whereas the secondary markets (the investment banks, pension funds etc.) have an interest in higher yield mortgage bonds, and whereas the markets have in large part recovered from the 2008 crash, we have recently re-introduced ALT-A lending once again, that do NOT require verification of personal income and personal assets.  We provide loans for real estate investors who seek to purchase Single Family-4plex (non-owner occupants only), multi-family units and other small balance commercial loans that have 30% equity participation when seeking our loans.  With 30 year amortization schedules, compared with most commercial loans offering 15-20 year amortizations, our monthly payments are very similar to agency loans and MUCH easier to acquire.  Tired of Hard Money options??  So are we.  Tired of banks not lending money to qualified borrowers?  So are we.  More information here