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Home Mortgage

One of the reasons shopping for a mortgage is so intimidating are the many kinds of mortgages to pick from. Trying to understand the individual mortgages and the terms that come along with them can make finding a loan more difficult that picking the home. Understanding the mortgage is a key factor in ensuring that the homeowner will not find any unexpected increases or charges down the road.

Apply Here – Check out our short form – free quote request

After choosing the loan that best suits your needs and income, it is time to find the lender that can give you the best contract. Fill out our short form to contact up to four home mortgage lenders.

Here are some terms you will need to understand while shopping for a home mortgage:

  • Fixed rate mortgage – this type of mortgage has a fixed interest rate as well as a fixed term, meaning that the rate, term and monthly balance are set at the beginning of the loan and do not change through out.
  • Adjustable rate mortgages (ARMs) – have more lenient credit and income requirements, but the interest rates rise and fall with the market, so the owner could end up paying more or less than initially anticipated.
  • FHA loan – a mortgage or loan that is insured by the federal government through the Department of Housing and Urban Development. This insurance allows lenders to lend more to less qualified applicants with lower interest rates and low down payments.
  • Veterans Administration (VA) loan – like the FHA loan this mortgage is insured through the federal government for qualified applicants who served in the military. These loans are especially appealing as they require little or nothing down.
  • Conventional loans – loans from private lenders that are not insured by the federal government.
  • Home Construction loan – funds the land, labor, materials and permanent financing for home buyers who are building a home.

In the market for a home mortgage? Choosing a mortgage can be a daunting task. Potential home owners should make sure to choose the mortgage that is the best fit for their current needs and future plans. Apply online to contact a home mortgage expert.

 


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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
If you are thinking of getting a home mortgage now is a great time. We offer fixed rate mortgages, adjustable rate mortgages, fha loans, va loans, contentional loans and home construction loans to individuals with the full range of credit history from terrible to perfect… 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… The United States has seen and endless stream of home refinancing as interest rates continue to drop and remain at relatively low levels. If you intend to stay in your home for more than a few yours you should consider refinancing again to save on your interest costs every month…
Refinancing is simply the acquisition of a second mortgage that is used to repay the first mortgage. During this process, you can borrow against your home equity to increase the amount of the loan over and above that of your first mortgage. This is called a cash out refinance and gives you the funds to pay for home improvement, college tuition, a brand new car or any other major purchase. Depending on the use of the money left over after refinancing, the repayment may be tax deductible… Extra monthly payments are a great way to cut down your loan term. Using our free mortgage amortization calculator you can see how these extra payments affect the amount of interest paid over the life of your loan…

Buy to let mortgages are a trend in the lending industry as home owners decide to step up the economic ladder and rent out property to others as an investment. Rates and downpayment requirements vary widely so it is important to get as many mortgage rate quotes as possible…

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