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Mortgage
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home mortgages - home loans.
How much house can YOU afford ?
Use the mortgage calculator (see calculator below). In general 9 dollars per thousand dollars is a starting point, keep in mind the mortgage
calculator does not include property taxes or insurance
How long does it take ?
You can obtain a home mortgage in as
little as three days or it can take up to three weeks it is all dependent on how fast you
respond, don't wait till the last minute.
| HUD-
FHA loans ? These loans designed for people who do not have a lot of down payment money for home mortgages, most people can qualify, not generally offered because of the low mortgage profit margins. |
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| Veterans
loans ? Great way to get a home if you are a veteran. |
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| What are
stated income loans ? Mortgage loans for people who do not wish to provide full documentation of their income or foreign nationals, loans require more than the minimum down-payments and are at a slightly higher interest rates. |
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| What Interest rate
can YOU get ? loans are made at the daily national average. If you have had credit problems late payments / collection / repossession / default, the interest rate may be higher. The most important consideration is the monthly mortgage payment with in your budget .. the difference in rate points may be only a few dollars per month, which is always below what you would pay in an apartment. Investment property is at a higher than par rate. |
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| What
are closing costs ? All loans have costs besides the interest, the costs of all loans are the credit report, appraisal of the property (this protects the buyer as to the value of property/asking price), title company fee (title search to make sure there are no liens on the property), survey of the land, attorney fee, wire transfer, county or state recording fees (where applicable), processing, funding, title insurance, home owners insurance (may be included), state taxes (may be included), discount points (to buy down the interest rate), lock rate charge, origination, document preparation. Total of costs are dependent on the selling price and type of loan. The costs are usually the responsibility of the buyer, and may be shared by the seller per the real estate sales contract. |
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