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Articles by David Reed

, a veteran Mortgage Banker, successful Real Estate Consultant and author of Your Guide to VA Loans, Mortgages 101: Quick Answers to Over 250 Critical Questions About Your Home Loan, Who Says You Can't Buy a Home!, and Mortgage Confidential: What You Need to Know That Your Lender Won't Tell You, is a former columnist and Contributing Editor with San Diego-based Mortgage Originator Magazine.

Reed is President of CD Reed Mortgage Bankers, Austin, TX and is a Past President of the Austin Mortgage Bankers Association.


The VA Jumbo Mortgage	May 27, 2008
Stop That Check	April 18, 2008
Commentary: Yes, We're Still Here	March 7, 2008
Fixing Your Hybrid "Vehicle"	January 28, 2008
Lenders Views on Chapters 7 and 13	January 15, 2008
President Bush's Plan a Preventative Pill	January 4, 2008
Rates Always Higher After the Last Fed Cut	December 14, 2007
Is No Down Payment for You?	November 30, 2007
Interest Rate Update	November 27, 2007
A Bad Idea At The Wrong Time	November 5, 2007
Mortgage Loans: Know What You are Signing	September 7, 2007
Don't Blame the Mortgage Brokers	August 31, 2007
Is No Down Payment for You?	August 17, 2007
Dispute Letter Harming Credit?	July 13, 2007
Fixing Your Hybrid "Vehicle"	June 29, 2007
The 800: What Numbers Really Matter	May 11, 2007
Refinance Applications Up: Is It Time?	April 20, 2007
Subprime Over-reactions Killing Deals?	April 13, 2007
Hard Money and Subprime Money	March 23, 2007
Ridding the World of Exotic Mortgages	March 9, 2007
They'll Pay Two Points	March 2, 2007
Blogging Your Way to Nowhere?	February 16, 2007
How Low Can Your Monthly Payments Go?	February 9, 2007
Spam is Killing the Internet	February 2, 2007
Dog Blog 1.0	January 26, 2007
Default and Fraud Take Center Stage	January 5, 2007
First Time Buyers Warm the Heart	November 17, 2006
Proper Bankruptcy Reporting	October 20, 2006
The Runaround? A Lending Tale	October 20, 2006
Do You Marry the Credit Score?	October 6, 2006
Lenders Views on Chapters 7 and 13	September 22, 2006
Lock That Quote In	September 8, 2006
Can Everyone Afford to Own a Home?	August 11, 2006
High Priced Town: Maybe its Time to Move	July 28, 2006
Shopping for Non-Prime Loans	July 14, 2006
Age Discrimination: No Laughing Matter	July 7, 2006
Loan Officers Wet Behind the Ears?	June 30, 2006
Lender Freedom: Alt Loans	June 16, 2006
Foreclosures and Failure: The Professional's Fault?	June 2, 2006
Homeownership: The Great Equalizer	May 26, 2006
Non-profits and No Down Payment: A Second Opinion	May 12, 2006
Mortgage Fees and Points: Did You Pay too Much?	May 5, 2006
Predatory Lending: The Loan Officer?	April 28, 2006
Loan Officers and Their Secret Weapon	April 14, 2006
Understanding Mortgage Rates, Points, and Fees	March 31, 2006
The Days of Sub-Zero Loans	March 3, 2006
The Ant and Grasshopper: A Story of Investments	February 24, 2006
Mortgage Lender Confidentiality: Just Ask	February 10, 2006
A Builder's Mortgage Company: Part II	January 27, 2006
Unsavory Homebuilders? You Decide.	January 20, 2006
Overdue Book? Better Check Your Credit Report	January 13, 2006
Contract "Loopholes": Mortgage Approval	December 30, 2005
Down Payment Assistance Programs	December 16, 2005
100 Lenders? I'll Raise You 300 Lenders.	December 2, 2005
Don't Let Those Rates Scare You	November 18, 2005
Income and Lending	October 18, 2005
Do Lenders Care?	September 30, 2005
Can an AUS be wrong?	September 2, 2005
Choose Your Weapon: Mortgages Bankers or Brokers	August 5, 2005
An Ailing Mortgage Market?	July 29, 2005
Counterproductive Mortgages	July 15, 2005
Mortgage Lending Designations	July 8, 2005
Automated Underwriting Systems and Loan Approval	June 20, 2005
Getting the Best Interest Rate: Part V of V	June 1, 2005
Getting The Best Interest Rate: Part IV of V	May 13, 2005
Getting The Best Interest Rate: Part III of V	April 29, 2005
Economic Numbers and Your Mortgage Rate: Part II of V	April 22, 2005
Getting the Best Interest Rate: Part I of V	April 15, 2005
Helping The First Time Buyer Understand The Process Is Paramount To Our Industry.	April 8, 2005
Market Gains	April 1, 2005
Payment Options : Revisited	March 29, 2005
Payment Pig	March 18, 2005
My Rate Prediction	February 25, 2005
Watch That Rate Quote	January 21, 2005
To Lock Or Not To Lock - That Is The Question	January 17, 2005
Lenders' Access To Your Tax Returns: How Much Is Too Much?	January 7, 2005
No Such Thing As Overnight Credit Repair	December 17, 2004
Why Is My Rate Still The Same?	December 3, 2004
It Pays To Be Up Front With Your Lender	November 19, 2004
Vets Must Qualify Despite VA Certificate Of Eligibility	November 5, 2004
Experience Counts When Choosing A Lender	October 15, 2004
In The Bad Old Days	September 24, 2004
Don't Score Yourself	September 10, 2004
Missed The Conventional Financing Boat? You Have Options	August 27, 2004
Save The Gray-Haired Agents	August 20, 2004
Choosing A Lender: Where Do You Begin?	August 6, 2004
Examination Of Credit Report Not Necessary For Loan Qualification	July 2, 2004
Preapproval For A Mortgage Is Only The Beginning	June 18, 2004
Mortgage Maps	June 11, 2004
More Choices For Zero-Down Loans	June 4, 2004
Can You Still Afford Your Home Purchase Loan?	April 30, 2004
Be Extra Careful With Your Credit After A Bankruptcy	April 2, 2004
It's A Wonderful, Dull Life	March 12, 2004
Zero-Down Loans: You May Have More Options Than You Think	February 27, 2004
Loan Fraud: Just Don't Do It	February 13, 2004
Explanatory Letters To Creditors Of Little Use	January 23, 2004
Time Is Of The Essence For Those Hoping To Close This Year	December 22, 2003
Unbeatable Interest Rates Are Often Accompanied By Hidden Fees	December 12, 2003
Put Your Realtor To Work For You When Faced With Unexpected Closing Costs	November 7, 2003
Prepare For Additional Fees Before You Go To Close	October 24, 2003
It Pays To Shop Around	October 10, 2003
Once More, With Feeling	September 22, 2003
You Can't Turn Back Time	September 12, 2003
The Impact Of A Second Mortgage When Refinancing	August 22, 2003
Where Did My Rate Go?	August 12, 2003
Longevity is Key When Choosing Your Loan Officer	July 23, 2003
Your Rate Just Went Up	June 27, 2003
U.S. Service Men and Women Utilize Internet For Their Real Estate Needs	June 13, 2003
Explaining Your Credit	May 9, 2003
Multiple Mortgage	April 25, 2003
Rates And Investment Properties	April 18, 2003
Mortgage Rate Expert, Schmexpert	April 11, 2003
Remodel? Refinance? Why not do both?	March 20, 2003
Are You Watching a Shell Game?	February 28, 2003
As Is, Subject To, or Deferred Maintenance?	February 21, 2003
Loan Approval: We Got it Backwards. Or Forwards?	February 14, 2003
Can't Get In Touch With Your Loan Officer?	January 31, 2003
Ratios And The Real World	January 24, 2003
You're Approved. No, Really!	January 20, 2003
Rent Loss Coverage	January 10, 2003
Interest Tips for 2002	December 30, 2002
Coming to Terms	December 13, 2002
Subprime Lending Getts a Black Eye	December 6, 2002
Surviving All Of Your Lender's Questions	November 15, 2002
Transaction Management Platforms and Lenders	November 8, 2002
Transaction Management Platforms And The Present	November 1, 2002
Rates Rise To Highest Level Since Early September	October 18, 2002
Are Automated Underwriting Systems Really Helping?	September 27, 2002
How Compensation To A Lender Can Work	September 17, 2002
Where Did The Sub-Prime Lenders Go?	September 6, 2002
How to Finance Unique Properties	August 23, 2002
Get a Mortgage Rate Quote Today, Gone Tomorrow	August 16, 2002
Interest Only Loans Are Catching More Than Interest	July 26, 2002
Home Insurance And Affordability	July 8, 2002
Corporate Accounting and Your House Payment	June 28, 2002
An ARM and a Leg	May 31, 2002
Fixed Rates Fast Approaching Historic Lows	May 10, 2002
When Portfolio Lending Makes Sense	April 26, 2002
Trying to Buy A "Diamond In The Rough"?	April 22, 2002
What's Going On With Adjustable Rate Mortgages?	April 12, 2002
Should You Pay Discount Points? Doesn't Everybody?	April 5, 2002
Using Online Systems to Track your Closing	March 22, 2002
The Mortgage Process: What If It's All Wrong?	March 7, 2002
Using your Equity to Finance New Property	February 22, 2002
Are We In For Another Round of Lower Rates?	February 14, 2002
Applying for a Loan: Who Are All These People?	February 7, 2002
Is Credit Counseling For You?	February 1, 2002
Should You "Buy Down" Your Next Loan?	January 25, 2002
No Money Down Not For The Short Term	January 18, 2002
Will You Overpay For Your Appraisal?	January 4, 2002
How Note Prices Impact Mortgage Rates	December 21, 2001
Need A New Credit Identity? Forget It!	December 14, 2001
What Happens If You Lock Too Soon?	December 7, 2001
Self-Employed Face Extra Hurdles Financing And Refinancing	November 23, 2001
Let's End Needless Lender Questions	November 16, 2001
Should Loan Officers Be Licensed In All States?	November 9, 2001
How To Pick The Best Loan Officer	November 2, 2001
Is Now The Time To Lock-In?	October 19, 2001
Getting Extra Value From Appraisals	October 12, 2001
Will Your Lender Count All Your Income?	October 5, 2001
Why Do You Need So Many Reports?	September 21, 2001
Don't Let An "Ex" Mark Your Credit Report	September 7, 2001
How To Re-Finance With An Eye Toward Future Rates	August 31, 2001
Low Doc Loans Reduce Borrower Headaches	August 24, 2001
Fee Fi Fo Fum, Why Lenders Have So Many Charges	August 17, 2001
When Borrowing Is A Moving Experience	August 10, 2001
Hybrid Loans Offer Up-Front Discounts	August 2, 2001
One-Of-A-Kind Homes Generate Little Lender Interest	July 20, 2001
How To Move Up With Old Equity	July 6, 2001
How To Handle Lender Questions	June 28, 2001
Getting A Loan After Bankruptcy	June 22, 2001
Rental Status Impacts 2nd Home Loan Rate	June 15, 2001
How Parents Can Become Lenders	June 8, 2001
How To Lock-In Rates The Right Way	May 31, 2001
Best Rate Guarantees? Consumers Beware!	May 24, 2001
Combo Construction Loans Slash Closing Costs	May 17, 2001
Builder Loans: Are They Your Best Deal?	May 10, 2001
Lender Says "No" To Borrowers -- And Smiles	May 3, 2001
Compensating Factors Ease The Loan Qualifying Process	April 27, 2001
Is A Quickie Loan Approval A Mortgage Commitment?	April 20, 2001
Prepayment Penalties: Why Would You Want One?	April 12, 2001
Should You Use An Online Lender?	April 5, 2001
How To Multiply The Value Of Seller Contributions	March 29, 2001
Tomorrow's Rates, Today's Forecast	March 22, 2001
Getting The Right Numbers With A Lease/Purchase Agreement	March 9, 2001
Should You Offer Seller Financing?	March 2, 2001
How To Cut Closing Costs	February 23, 2001
Mortgage Brokers Vs. Mortgage Bankers: Which Do You Choose?	February 15, 2001
What Does It Mean When Your Loan Has Been Sold?	February 8, 2001
What Do Loans Really Cost?	February 1, 2001
Should You Ignore Refi "Rules"?	January 25, 2001
Escrow Accounts: Who Needs Them & Why	January 18, 2001

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