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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Bad Credit Refinance
You can also refinance a larger amount than you need to fund a major purchase at a low interest rate, such as a new car or college tuition. Fill out our free short form today to contact lenders about bad credit refinancing.
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Home Equity
The reverse mortgage is also an adjustable rate mortgage, but is unique because the homeowner (who must be 62 years or older) is at no time obligated to make monthly payments on the loan. The amount of the equity on the home is made available to the owner in full, in monthly advances or as a line of credit, only to be repaid after the life of the owner through the sale of the home or by the family if they would like to keep the home.
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Rates
There are many different components to understand when you are trying to find the right loan. How long of a repayment period do you want? Do you qualify for a fixed rate? Is an adjustable rate better suited to your needs? Understanding the factors that create your loan can take the stress out of the decision making process and keep you from taking terms will eventually cost you money. Fill out our free short form to contact up to four lenders about your loan.
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Mortgage Calc
Whether you want a loan to buy a new home or to refinance your current mortgage, a mortgage calc can help you decide what kind of loan is worthwhile and what cost you too much in the end. A mortgage calc can show you the difference a shorter term, a slightly lower rate, or an occasional extra payment can make on your loan and your finances. Use our mortgage calc to find out more or fill out our free short form to contact up to four lenders about finding a new mortgage or refinancing your existing loan.
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Mortgage Refiancing
Also, homeowners with an adjustable rate mortgage can use refinancing as an opportunity to switch to a fixed rate. If you are uncomfortable with the risk of an adjustable rate and want to get a loan with a fixed rate while interest rates are low, refinancing your mortgage now would give you a great opportunity to do so.
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Refinancing Your Home
Refinancing is much the same process as obtaining a first home loan. Credit and income both come into play when designing your new loan, and if either has diminished since your original loan, it may not pay to refinance.
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