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Fixed rate loans have are standard and have a set rate and term that is determined at the start of the loan. This means that the monthly payment of the principal balance and the interest will not change through out the duration of the repayment period. The loans repayment periods usually last 15 to 30 years. Borrowers should be careful to note whether or not their loans include an early payment penalty. An early payment penalty is an out of pocket cost that a homeowner will have to pay if the loan is paid off before the 15 or 30 year mark. If such a clause will be included in the loan, the borrower can adjust the loan period by agreeing up front to make one extra payment a year, which can cut up to 10 years off of the loan repayment period.

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Buying a home is one of the most expensive purchases that a person will make in his or her lifetime. In order to guarantee that a prospective homeowners will be satisfied with such a large purchase, it is essential that they choose a home loan that has a good fit. Apply online free to contact a home loan expert today.

What size house can you afford? – Consider Debt vs. Income When Determining how much house a potential buyer can afford, mortgage brokers consider your debt vs. income ratio. This ratio is composed of your gross income divided by the amount you pay monthly for debts. For example if your ratio is something like, 25/45. Twenty-five percent of your monthly income is used to pay for housing. 45% of your monthly income contributes to paying down debt every month. This ratio alone does not determine your top loan amount however. Other factors include down payment size and credit history. As a general rule of thumb, FHA loans require a 29/41 ratio or better.

If you are buying a new home and are interested in a home loan, fill out our free short form today to contact up to four lenders.

 


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  Need Cash? Considering a Home Equity Loan? Why not get cash out from your equity and refinance in one process. Select ‘Refinance’ on the application and specify your ‘Cash-Out’.
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Get a home loan interest rate quote from as many as four competing mortgage brokers. Choose between fixed and adjustable rate mortgages for 15 to 30 year terms at great low interest rates. Purchase the home of your dreams with a low paper work loan… Home equity loans are a way of borrowing against the equity of your home. A home equity loan can be financed at a great interest rate thanks to curren market conditions. Expo Financial can connect you with up to four competitive quotes… VA Home loans are financed with the help of the government to get veterans lower interest rates and closing costs. A VA Loan also escapes prepayment penalties and expensive premiums. A request for eligibility can be downloaded online…
Land loans can sometimes be as difficult to obtain as hard to find land in a desirable area. Seeking out your land loan finance options before hunting for land can help save you from the disappointment of seeing land you want snatched up quicly by another… Home equity is a great asset to have for financing a new loan. You can obtain a secure fixed rate loan using your first home as collatoral to get the money you need to make an addition to your home or pay for a large expense…

Get an FHA loan today and decrease the amount of money you have to put down towards the purchase of your new home. Great for the purchase of investment property or to take advantage of an Energy Efficient Mortgage…

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