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Home Loan

Prospective homeowners come with a varied needs and backgrounds. Home loans are made to suit these different kinds of people and their diverse range of incomes. Types of loans include:

  • Fixed rate loans
  • Adjustable rate loans
  • FHA insured loans
  • Graduated Payment mortgages
  • Conventional loans
  • Home construction loans

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A buyer with a blemished credit would be more likely to qualify for an adjustable rate loan. Though this loan carries more risk since the interest rate adjusts with current interest rate indexes, adjustable rate loans usually come with low initial rates and safety “caps” to keep the rates from rising too high. Also, if the rates fall, it is possible for the borrower to save money.

It is important for a home buyers to choose a home loan that is suited for their income and their needs. Fill out our free short for to contact a home loan expert today.

For example a potential homeowner with good credit but a low income would be well matched with a fixed rate FHA insured loan. This would allow a low income buyer to take advantage of relaxed qualification criteria, low interest rates and little to no down payment. If the same buyer were to apply for a conventional loan – a loan that is not federally insured – he or she would be faced with high interest rates and a large down payment to make up for a lack of income.

 


4 Loan Offers – One Application
  • Expert lenders compete for your busines with low rates and great loan terms
  • Poor to Excellent credit borrowers welcome – low rate mortgage loans
  • No mandatory credit check – let only the lender you choose check your credit
  • Free evaluation of your borrowing options in a no obligation setting
  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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Mortgage Loans : Home Loans
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Refinancing Mobile Home / Manufactured Home Refinancing

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  Home Lending Resources
Home loans are approved based upon your debt to income ratio and your credit rating. Figuring out how much home you can afford depends on the help of a qualified mortgage professional. Get up to four free quotes through Expo Financial with one easy application… PMI ( Private Mortgage Insurance ) is paid by homeowners who are considered high-risk or those who simply have less than 20 percent of their mortgage principal paid down. New laws affecting PMI went into place in 1999… Mortgages calculator tools are a free service provided by our web site to help you get comfortable with your borrowing options before and after speaking with a qualified mortgage professional. Feel free to ask any questions you have about the loan process…
With the help of first time home buyers programs many can switch to renting to owning because small down payments are possible because of state and local level programs. To find out what your best rate is, fill out our short form for a free evaluation… 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…

Reverse mortgages are a less known option in the lending industry used primarily by the elderly. A reverse mortgage allows the borrower to take equity out of the home treating it as a nest egg for their retirement…

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