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The article discusses the occupancy requirements of U.S. banks for borrowers remodeling their homes, which are aimed at home flippers, focusing on the Dodd-Frank financial reform law, guidelines from the U.S. Consumer Financial Protection Bureau (CFPB), and tips for remodelers seeking financing.

The article discusses how people in the U.S. who borrowed large adjustable-rate mortgages (ARMs) are finding that their payments are being lowered, how a risk associated with ARMs' floating interest rates is the possibility higher payments, and tips on how to maintain a low interest rate.

The article looks at refinancing of jumbo mortgage loans by U.S. homeowners as of July 2014, noting a drop in the number of borrowers refinancing from a jumbo to a conforming mortgage once their balance is low enough and discussing trends in home prices and mortgage interest rates.

The article discusses research by the non-bank lender LoanDepot as of July 2014, which shows a decrease in the median age of borrowers of its home-purchase loans and a decrease in the median credit score for large mortgages despite economists' belief that jumbo-lenders remain reliant on baby boomers.

The article reports that interest-only jumbo mortgages originating in 2004-2007 are entering their principal-repayment periods, creating a dilemma for borrowers, focusing on some options for borrowers facing a reset, including refinancing, low interest rates, and a home sale.

The article discusses the challenges of buying a home near a good school for individuals with jumbo mortgages, such as Peter and Megan Dale of San Francisco, California, the link between home prices and good schools, and expert tips on trying to buy in a neighborhood with good schools.

The article examines the impact on jumbo mortgage loans in house buying of real estate markets such as Miami, Florida where many houses are all-cash purchases.

The article examines an adjustable rate mortgage loan offered by Pentagon Federal Credit Union which changes rates only once at the midpoint of the 30-year term of the loan.

The article reports on the U.S. housing market as of May 2014 with a focus on two small lenders that compete with large banks such as Wells Fargo in the jumbo loans market. The article notes Drew Hamlin's and Warren Griffin's experience at First Savings Mortgage Corp. when they purchased a Federal-style home in Washington, D.C. It also notes that in 2013 small lender PHH Mortgage was the second-largest jumbo lender, holding 9.6 percent of the market.