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Mortgage Retirement Professor

Questions on Down Payments
Exactly What Is the Down Payment? How Does It Differ From the Amount of Cash Invested in the Transaction? How Is It Related to the Loan-to-Value Ratio?
What Factors Should Be Considered in Deciding Whether or Not to Pay All Cash For a House?
If a Larger Down Payment is Viewed as an Investment, What Factors Affect the Yield? Under What Circumstances is the Yield Likely to Be Higher Than Any Available on Other Investments?
How Do You Determine Whether Investment in a Larger Down Payment or in Points Yields the Higher Return? What Is the Most Important Factor Influencing the Comparison?
How Do You Determine Whether Investment in a Larger Down Payment Yields a Higher Return Than Investment in Securities?
Is the Availability of 100% Loans a Sign of Strength or Weakness in the US Housing Finance System? What Are the Dangers of 100% Loans to Borrowers? Who in Particular Should Avoid Them?
Can You Avoid Mortgage Insurance Using a Gift of Equity? Can You Avoid Gift Taxes?
How is it Possible to Make a Large Down Payment Without Putting Up Any Cash? Under What Circumstances Will Investing the Down Payment in Securities Turn Out to be a Good Idea?
How Can Seller Contributions Reduce a Borrower's Cash Needs? Under What Circumstances is it Legitimate to Do This?
What Factors Determine Whether it Makes Sense to Save For a Down Payment Before Purchasing, as Opposed to Purchasing Now With a Smaller or No Down Payment?
Why Do Lenders Insist That Money Received From Family That Is Used for the Down Payment Be a Gift Rather Than a Loan? Under What Circumstances Could a Family Member Sign a Gift Letter in Good Conscience, Even Though the Family Member Expects to Be Repaid?
Is it Advisable to Use Funds in a 401K as a Down Payment?
If a Borrower Can Put More Than 20% Down, What Factors Should Influence the Decision?
How Would an Intra-Family Investment Work as an Alternative to a Gift?
Why Did the Down Payment Increase Following the Financial Crisis?

Why Is the Yield on a Larger Down Payment So High?