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FHA Loans

The insurance on FHA loans is provided by the government, but not the loans themselves. Though little or no down payment is necessary, fair credit and sufficient income to repay the loan are requirements. While there is no maximum to the amount of income one may have in order to qualify for a FHA loan, it is important that your monthly housing payments (insurance, principal, interest, etc.) not exceed 29% of your monthly income and also that the loan not exceed the maximum allowed for your particular county. For example, in Hertford, North Carolina, the maximum for a one-family home unit is $160,176.00. However, for New York, New York the maximum is $290,319.00 for a one-family home unit.

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FHA insured loans are also available to teachers and officers as a part of a HUD’s efforts to revitalize low to moderate income neighborhoods. Full-time state certified teachers, whether employed by public school or private, can purchase a home in their district using a FHA insured loan as long as they are in good standing with their employer. Likewise, full-time police officers can purchase a home with a fifty percent discount using a FHA insured loan and a $100.00 down payment.

Federal Housing Administration Loans are loans that are insured by the Department of Housing and Urban Development (HUD), but are provided by independent lenders, giving borrowers the opportunity to obtain loans with low interest rates and significantly reduced down payments. Fill out our short form to contact up to four FHA loans lenders today.

Overall, FHA insured loans offer an alternative to conventional loans, providing insurance for loans (the premiums of which are paid by the borrower) so that buyers who are unable to secure a large deposit can still secure a home. Though the loan maximums are less than some borrowers could find through a conventional loan, FHA loans are insured by the U.S. Department of Housing and Urban Development and gives families, who otherwise would not have the option, an opportunity to own a home.

 


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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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FHA loans are a great option for purchasing with very little or no money down on a new home. Expo Financial can put as many as four competitive rate quotes in your hand with one simple application, apply online today… Mortgage payment calculators are a free and easy way to get an idea of your possible monthly payments on a new home loan. You can also do multiple iterations to compare the effects of paying points to lower your interest rate… VA Home loans offer advantages to our veterans by lowering the cost of getting a mortgage with a ceiling value of $240,000. A VA Home loan can be used to build a home or even for an energy efficient home improvement…
A mortgage rate calculator can help you estimate your monthly payments on a mortgage by taking into account your interest rate, mortgage term, and extram onthly payments… Let expo financial put you in contact with a mortgage professional that can help you finance your home improvement loan to add or remodel bedrooms. Upgrade your kitechen or living room and borrow at today’s amazingly low interest rates…

There is a laundry list of types of mortgages out there. The important thing is to find the one that takes best advantage of your circumstances and resources. For example, FHA loans are convenient if you don’t have sufficient capital for a down payment…

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