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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.

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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.

Depending on the cost of the home and the borrower’s income, there are a variety of loans to choose from. Generally, there are two types of loans: fixed rate loans and adjustable rate loans.

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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  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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A home loan is the key to never being a renter again. With a home loan your money builds equity and gives you financial stability to borrow in the future as your needs become greater. Get a competitive rate quote today and get the home of your dreams… If you are interested in a first time home buyers program to minimize the size of your down payment to get your home now, Expo Financial can connect you with up to four competitive quotes on your new home loan for free… Amortization schedules are a quick and easy output from a mortgage calculator to show you how much interest you are paying each month and each year on your loan. You can factor in additional monthly payments to see how your loan term shortens in length…
Mortgage leads have always been around but only recently have they been generated in large numbers through web sites. It is estimated that in another five years half of all mortgage leads will be generated online… Mortgage lenders generally do a great job of taking the complications out of the home loan process. The “sign here” process is usually kept down to about thirty signatures at the time the signing of the loan takes place…

Has your credit improved? Or have rates dropped? If so, you should consider refinancing your home to take advantage of these changes and pay less in interest every month. Paying less interest means more equity in your home for each payment…

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