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Homeloans

Low income families who do not qualify for a conventional fixed rate mortgage and do not want to risk an adjustable rate mortgage, may qualify for FHA loans. These are fixed rate mortgages from conventional lenders that are insured by the Federal Housing Administration. Insurance from the federal government allows lenders to loan to applicants who would not usually meet lending qualifications.

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Homeloans include a range of expenses that a loan applicant should be aware of. There is the principal, the original amount of the loan that is paid back monthly, interest, which is also paid back monthly, homeowners insurance, and real estate taxes. Mortgage insurance, to protect the lender, and closing costs may also be included. Closing costs are miscellaneous fees that must be paid before the loan can be closed, such as taxes, origination fees, lawyer fees, title insurance, etc.

The alternative to a fixed rate mortgage is an adjustable rate mortgage. The principal is liable to change based on the interest rate, which is varies with certain indexes, for example, the prime rate. This type of homeloan is usually taken on by homeowners with less than perfect credit, who do not qualify for most fixed rate loans.

The most common homeloan is a standard fixed rate mortgage. This type of mortgage has an established term and interest rate that do not change through out the time of the loan. Therefore, the exact amounts of the monthly payments, or principal, are known from the start and remain the same until the homeloan is repaid.

 


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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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Refinancing Mobile Home / Manufactured Home Refinancing

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  Home Lending Resources
Hundreds of homeloans are given out every day for bad credit and good. Homeloan amounts are figured based upon your annual income, the quantity and size of your debts as well your credit history… Equity loans are a flexible way of using your home equity to borrow additional money for the purchase of a car or an addition to your home. Low interest rate loans can be financed .. Down payment assistance is available for those interested in owning their own home but lacking the cash to make their down payment. A qualified mortgage broker can assist you in understanding your options and how much home you can afford…
Refinancing your manufactured home loan can save you a bundle over the life of your loan even if rates have only dropped by a single percent since the time your original home loan was established… 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…

Our free mortgage payment calculator will also provide for you a mortgage amortization of your monthly payments over the life of the loan. Print this out for your records or ask one of our brokers more questions about it over the phone…

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