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FHA Loan

Large down payments and high interest rates often discourage prospective homeowners. However, an FHA loan gives new homeowners who would not usually be able to qualify for a home loan the option of a low interest home loan that is insured by the federal government and requires minimal down payment. Apply online to contact an FHA loan expert today.

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Unlike some other federally funded programs, FHA loans do not have a limit to the amount of income a borrower can make. However, the monthly payments for the loan including interest, insurance and principal, should not be above 29% of the monthly income.

The maximum amount of an FHA loan varies from county to county, but as of January 1, 2004 the Department of Housing and Urban Development announced loan increases up to $160,176 in low cost areas and to $290, 319 in high cost areas.

The term “FHA loan” is deceptive. An FHA loan is not actually a loan given by the government, but is insured by the government through the Department of Housing and Urban Development (HUD). Through an FHA insured loan, low income families and first time buyers are able to take advantage of a required down payment of only three-percent.

 


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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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  Home Lending Resources
FHA loan advantages are great if you would like to qualify for a low interest rate and little to no money down on your new mortgage. FHA loans do not have limites set by the amount of income the borrower has… Reverse mortgages offer an option for using your homes equity as a monthly stipend to support you during your retirement. If you are 62 years of age or older you may qualify for a tax free reverse mortgage to fund your retirement… With the help of our free interest calculators you can spend a few minutes that will help you to save money. Often times optimistic soon to be homeowners charge into a home loan without fully considering the interest they will pay over the life of a loan…
A second mortgage is similar to a home equity loan because the size of the second mortgage you can obtain is usually based somewhat upon how much equity you have built up in your home to give you borrower credibility… Mortgage payment calculators can be found on this web site. All calculations are taken to be estimates only. Once you have estimated your loan payments you can try for that rate with as many as four lenders via our single application…

FHA is a federal program for insuring home loans. FHA helps families with low income or poor credit to obtain a home loan with a small down payment and lower interest rates. Expo Financial can connect you with up to four competitive rate quotes for free…

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