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FHA Loans

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.

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These federally insured loans are convenient for first time buyers, those with moderate incomes, and senior citizens. New limits set by the FHA on January 1, 2003 aid senior citizens who qualify for reverse mortgages, which allow eligible homeowners over the age of 62 to borrow against their homes without giving up ownership. This reverse mortgage is not paid by the owner, but is settled when the house is sold or the owner is deceased.

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.

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 loans are a popular alternative to conventional loans and are easy to pass along to a new buyer should you eventually sell your home. Read more and apply for the help of a qualified mortgage professional to see if you qualify foran FHA loan.. Home equity lanes are often referred to as second mortgages. They take advantage of the equity of your home to get you a low interest rate for a large purchase. If you are over 62 years old you can also qualify for what is called a reverse mortgage… Home equity lines of credit are similar to home equity loans except your money can be taken out in increments over a long period of time at a variable interest rate. You can borrow up to 80% of the total equity you have in your home and it is easier to obtain than a traditional equity loan…
This site provides a free mortgage amortization calculator to estimate your monthly payments and also split up your payments into principal and interest for your viewing pleasure. Contact our brokers to get a quote on your loan… Manufactured home loans are more popular than they once were thanks to improvements in the homes constructions and overall desirability. Take advantage of today’s great rates with a fixed rate mortgage on your home…

Calculating your mortgage payment with one of our free calculators is easy and will only take you a minute. Applying to be put in touch with our lenders is an even shorter process that can save you money on your loan…

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