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Home Page > Finance > Mortgage > Picking the right VA lender can make all the difference

Picking the right VA lender can make all the difference

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Posted: Apr 26, 2009 | Views: 660 |

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There are 3 basic types of institutions you can acquire a VA loan from – Banks, Mortgage Companies and Brokers. Brokers are are not lenders but do have a purpose. They can help by shopping your rate for you amongst several different investors saving you time doing it yourself.

One thing you may not know is the other two can do the same but in a different way and in most cases at less cost to you if the institution does enough business to pass savings on to their customers in lower rates and/or fees. Mortgage Companies (So called Mortgage Bankers) also can have several investors to shop your rate for you as well but the difference is they are the initial lender. They make the decisions for the investor and the investor eventually buys the loan from them allowing them to pay back their wholesale investors.

Banks too can do this but one of the major differences is, unlike mortgage companies that have to borrow the money at sometimes ridiculous double digit rates, banks lend their own money. Imagine, as a mortgage company, you’ve borrowed $10 Million at 14% interest and $5 Million of it you lent out at 5.5% but due to mistakes made on the loans, you can’t sell that book of business off. How would you make up the loss? You would have to start charging more or offering higher rates. If a customer doesn’t do enough research, they are the ones that pay.

Although banks are some of the most secure institutions to get your VA loan from, you need to do your research on them as well. If they portfolio their loans, they too can get themselves in trouble as well. They could be sitting on foreclosed properties costing them Millions in revenue. Guess who will ultimately have to pay? You guessed it. YOU. Although you might get a great deal on a foreclosed home through a large bank, but you might pay for it another way in a higher rate or fees.

One question you should always ask before making your final lender selection. Ask if the lender is a LAPP lender. L.A.P.P. stands for Lender Appraisal Processing Program. What this means is VA has authorized this lender to receive the appraisal directly from the appraiser to issue the NOV (Notice of Value). This speeds up your loan process tremendously as the lender does not have to wait for VA to do so. If not a LAPP lender, you can expect the appraisal process to take up to 2 weeks or more, which could jeopardize your loan closing on time and breach the purchase contract or even cause you to lose your rate lock. Always check if your lender is a LAPP lender. If they do not know, that might be a red flag.

Good luck with your search.

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Charles Bruce -
About the Author:

www.freevaloan.com is a comprehensive website offering Military Veterans and Enlisted personnel all the information they need to find a VA loan and then connect them with a lender that charges no fees.

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Article Tags:
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If you qualify, in my opinion, the best Home Loan Mortgage for available the purchase of a home is a VA loan. The VA loan is a government sponsored loan that the Department of Veteran Affairs created to allow current and former members of the armed forces and spouses of veterans who died in service or as a result of service (as long as they haven’t re-married) the opportunity to purchase or refinance a home with NO money down using the VA loan.

This program allows qualified veterans to purchase a home as the veteran’s primary residence at 100% of the purchase price with no mortgage insurance or money down. It’s the least that we can do for those who have been willing to protect and service our country. If you are a member of one of the reserve branches of the military you may also be eligible for this great program as well. Qualifying as a member of the reserves is dependant upon how many active duty points and time served in the reserves.

The purchase of a home in Clearfield, Utah with a VA loan can be done with ZERO money down but VA does require an Up Front Mortgage Insurance Premium that is called a funding fee. The funding fee on a VA loan ranges from 0-3.3% of the purchase price of the home depending on the Loan To Value or LTV of the home. The more money that the veteran puts down at closing the lower the funding fee and depending on how disabled a veteran is also has an affect on the percentage of the funding fee. The funding fee can be financed into the loan and in most cases is.

If a veteran has a mortgage on their home other than a VA loan and wants to refinance their existing mortgage to a VA home loan mortgage then the highest Loan To Value that VA guidelines allow on the refinance is 90%. If the veteran currently has a VA loan and wants to refinance their current mortgage and they live in Clinton, Utah then the veteran can refinance 100% of the existing loan.

One of the biggest misconceptions about the VA loan is that it can only be used one time for one purchase. This is not true, if you are eligible for a VA loan and have purchased a home in the past as long as you have sold that home you are can purchase another home which follows same guidelines as the original purchase other than the funding fee may be a different percentage factor than your very first purchase was.

Because the VA loan is a federal government loan like the FHA loan the interest rates are similar. Most Lenders have an adjustment to a VA loan interest rate of anywhere from as little as one eighth (.125) to as much as one quarter (.250) of a percent compared to an FHA loan.

Although conventional lending institutions have long been considered the popular choice for obtaining a property mortgage, the increasingly fast paced environment has prompted real estate investors to turn to private mortgage lenders to fund their property ventures. This is due in part to the snags and red tape in the convention mortgage lending process and the increased competition in the global real estate marketplace.

Connecting with private mortgage organization that can sometimes be tricky due to private lending being integrated with conventional lending institutions when it comes to the advertising industry. On the flip side of the coin, some private lenders are also conservative about advertising due to probable issues with the SEC on the state and federal levels.

So, how do you cut to the chase and connect with a private mortgage lenders who will finance your next property venture?

Locate a Private Mortgage Lender: Private mortgage lenders are potentially all around you. They reside in your community, they may live in your neighborhood, you may find them through investor associations, perhaps they advertise, or maybe some of your friends can refer you to someone they know. The bottom line is if you look around you, private lenders are virtually everywhere.

Marketing Strategy: Connecting with a private mortgage lender requires a marketing strategy on the part of the borrower. You will need a networking strategy to locate potential private lenders and then you will need a marketing plan as well as a business plan.

Your audience will be private mortgage lenders that are interested in earning a high interest rate on their investment which will be secured by real property along with a loan-to-value ratio that does not exceed 75 percent.

You can choose to market your venture by inviting a group of potential private lenders to a presentation that you have prepared, that pitches the real estate venture to your potential investors or you can opt for other marketing strategies. Other strategies could include advertising high interest on investments, circulating your business card, networking with other real estate investors, mailing information, or locating prospects by word of mouth.

Use Multiple Lenders: As you make connections with private lenders, keep in mind that you may use more than one lender to finance a single real estate venture. In some instances, one lender may be unable to fund the entire deal. In this case you can negotiate one private lender to fund the first mortgage and the other lenders may act as second mortgage holders.

Whatever route you take to connect yourself with a private lender, creativity in marketing and offering your investors a better rate of return, are the keys that open the door to an endless array of real estate investment opportunities.

Florida FHA Mortgage Loan

Providing Florida mortgage solutions for those looking for an FHA loan in Florida!

FHA loans have returned to the Florida home loan arena as a smart mortgage option for Florida first time home buyers and moving up Florida homebuyers with less than perfect credit. FHA Loans are often a better option for Florida buyers if you have a fair to good credit rating and are looking for a low down payment mortgage options.

Florida home buyers should know the many advantages of the FHA home loan compared to other mortgage loan programs. FHA loans were created to help increase home ownership. For the Florida mortgage applicant the FHA mortgage program can simplify the purchase of a home, making financing easier and less expensive than a conventional or subprime mortgage loan product. Some highlights of the Florida FHA loan program include:

Minimal Down Payment and Closing costs.

Down payment less than 3% of Sales Price Gifts are allowed Seller can credit up to 6% of sales price towards closing and prepaid costs. 100% Financing available No reserves required. FHA regulated closing costs.

Easier Credit Qualifying Guidelines such as:

No minimum FICO score or credit score requirements. FHA will allow a home purchase 1 year after a Bankruptcy. FHA will allow a home purchase 2 years after a Foreclosure.

Generally, FHA standards are less strict when it comes to mortgage insurance, and while you likely will not qualify for conventional financing, an FHA Loan is your key to home ownership. Other reasons why Florida mortgage applicants prefer FHA home loans include:

1. Its Easier to Qualify - Because the FHA insures private Florida mortgage lenders against loss they are more willing to give home loans with lower qualifying requirements so it’s for Florida homebuyers to easier qualify.

2. Its Okay if You Have Less-than-Perfect Credit – Even if you’re a Bad credit applicant and have had credit problems, such as a past Florida bankruptcy, it is easier for you to qualify for an FHA Loan than a conventional loan.

3. You Can Make a Low Down Payment - FHA Loans have a 3.5% down payment requirement, which is much lower than the amount typically required for conventional financing options.

4. Fortunately, FHA Loans Cost Less - FHA Loans have competitive interest rates because the loans are insured by the Federal Government. Because they are insured, FHA loans allow for lower interest rates and other advantages not offered by conventional loans.

5. Help Yourself Keep Your Home - The Federal Housing Administration, (FHA) has been around since 1934 and goes the extra effort to help you keep your home when others will leave you on your own. Should you encounter hard times after buying your home, the FHA has many options for Florida homeowners to help keep you in your home and avoid a Florida foreclosure.

Florida FHA Loan ::Florida FHA Mortgage Lender

FHA Mortgage Programs in Lakeland we provide

credit repair
Conventional Home loans
FHA Home Buyer Loans
refinancing
FHA home loans
reverse mortgages

www.FHAmortgagePrograms.com

Lakeland Florida FHA mortgage lender- Lakeland Florida is located approximately halfway between Tampa and Orlando right in the heart of central Florida. The principal city of Lakeland Florida is Polk County, it is located within the Lakeland-Winter Haven Florida Metropolitan Statistical Area. Because of it’s central location in the State, it is the perfect place to put down roots and obtain a Lakeland Florida FHA  home loan. Specializing in FHA home loans in Lakeland Florida , we are the number one source for all your Lakeland Florida FHA mortgage needs.

Lakeland Florida combines the small town community feeling with all the amenities and excitement of the larger cities that are so close. With plenty of Lakeland Florida housing available and FHA mortgage rates historically low, our licensed Lakeland Florida FHA mortgage brokerwill be able to explain the different FHA home loans programs available in the lending marketplace today. Our philosophy is to identify the best FHA  loan for each borrower’s individual circumstance and deliver exceptional service throughout the entire loan process.

It used to be that the FHA mortgage was not credit score driven. Today it is! With the banks tightening up on FHA lending guidelines and increasing credit scores requirements to qualify for a FHA mortgage in Lakeland Florida, we have a team of certified credit counselors in-house to help our clients experiencing unwarranted credit problems. Within a 75 day period, we help them re-establish good credit with all three of the credit bureaus.

Whether you are financing a new home or refinancing an existing loan, choosing the right Lakeland FL mortgage company is as important as choosing the right loan scenario that meets all your financial goals and expectations. We strive very hard to make sure that our clients have a complete understanding of the entire loan process from start to finish. With a staff of licensed brokers, our guarantee is your satisfaction.

Easily accessible to highways, rail and airports, it is projected that Lakeland’s economic growth and population should only keep increasing. With super fantastic weather year-around, great geographical location, and steady economic growth, makes obtaining a mortgage in Lakeland the smartest move for anybody. Whether you are looking for financing for a new home purchase or refinancing your existing home mortgage, we are the loan providers for every scenario. Being a mortgage lender in Lakeland, our reputation is built on delivering the highest quality of customer service. Today, more and more people are financing with an FHA Mortgage purchase. Only required to only put down 3.5% (financing 96.5%) of the purchase price, gift fund and seller concessions are allowed. On a cash-out refinance, the lending limit is 85% of the value of the property. Refinancing for a rate and term finance, then lending limit goes as high as 97.75%. Allowable debt to income ratio’s up to 55%, there are many pluses of considering an FHA mortgage.

Florida FHA Loans

What is an FHA loan?

FHA is the Federal Housing Administration and the FHA does not lend money. FHA loans are not loans at all. FHA is the same as mortgage insurance and was created to insure Florida mortgage lenders against loss so they can offer Florida mortgage applicants better financing options. An FHA mortgage loan might be for you if:

You Have fair or poor credit You Have a low down payment (but at least 3.5%) Have  had a past bankruptcy Have had a past Foreclosure

Essentially, the federal government insures FHA mortgage loans for Florida FHA-approved lenders so that lenders reduce their risk of loss if they lend to borrowers with bad credit histories. The FHA program has been in place since the great depression to help stimulate the housing market by making loans accessible and affordable.

What are the advantages of FHA loans?

For the Florida mortgage applicant the FHA program can simplify the purchase of a home, making financing easier and less expensive than a conventional mortgage loan product. Some highlights of the Florida FHA loan program include:

Minimal Down Payment and Closing costs. Down payment less than 3% of Sales Price Gifts are allowed Seller can credit up to 6% of sales price towards closing and prepaid costs. 100% Financing available No reserves required. FHA regulated closing costs. Easier Credit Qualifying Guidelines such as: No minimum FICO score or credit score requirements. FHA will allow a home purchase 1 year after a Bankruptcy. FHA will allow a home purchase2 years after a Foreclosure.

To take advantage of the FHA program in Florida, give us a call 1-800-570-0448 or use our quick application to find out more about the many FL mortgage programs we can make available. Or Apply now for a FL FHA home loan.

What do I need to qualify for an FHA loan?

Must make a minimum down payment of 3.5% on the house and it can be gifted by a family member (conventional financing does not allow gifting). Must have to have stable predictable income or worked for same employer for the last two years. Must have Social Security number, lawful residency in the U.S., and be of legal age to sign a mortgage in Florida . Must have a property appraisal from a Florida FHA-approved appraiser. Mortgage payment (including principal, interest, property taxes, property insurance) needs to be less than 35% of your gross monthly income. Monthly debt (mortgage, credit cards, auto, student loans, etc.) cannot be more than 43% of your gross monthly income. No minimum requirement for credit scores, but past credit performance will be scrutinized. FHA-qualified lenders will use a case-by-case basis to determine an applicants’ credit worthiness. Must be two years out of bankruptcy, with good credit. Must be three years out of foreclosure, with good credit.

To take advantage of the FHA program in Florida, give us a call 1-800-570-0448 or use our quick application to find out more about the many FL mortgage programs we can make available. Or Apply now for a FL FHA home loan.

Florida FHA 203k- Florida Rehabilitation Loans

The Federal Housing Administration (FHA), under Section 203k, will insure Florida FHA loans that include rehabilitation (rehab loans) and repair costs in the amount borrowed from an independent Florida mortgage lender. FHA does not lend money, but they insure private Florida mortgage loans based on their specific underwriting guidelines.

THE FHA 203K loan is intended for Florida neighborhood and community revitalization, as well as encouraging Florida home ownership.

Florida FHA 203k Rehab Loan Advantages

Another advantage to the Florid as FHA 203k mortgage loan program is that Florida buyers can focus on the location and floor plan instead of the condition of the Florida home. Using a Florida FHA 203k rehab loan, there is less competition for properties which allows for a more aggressive purchase price.

Using and acquiring Florida homes with rehab loans are favorable to bank owned and HUD foreclosed properties because the property is sold “as-is.” More specifically, Florida foreclosure property can be sold in it’s current condition which is appealing to foreclosed seller.

FHA 203k Loan Qualifications

Standard FHA guidelines are used when applying for rehab loans. FHA’s credit underwriting guidelines are flexible and are advantageous for investor’s or first time Florida home buyers looking to get a good deal on a property. Florida  Lenders are also qualifying buyers with 100% financing when used with down payment assistance.

On top of all this, FHA’s guidelines allow the Florida seller to pay all closing costs (up to 6%). Florida Banks are able to provide rehab loans with fixed rate or adjustable rate mortgages. In addition, Florida buyers can receive credit aid from non-occupant co-borrowers.

Eligible Florida Properties for FHA 203k Rehab Loans Single family residence (SFR) PUD’s Condo’s Owner Occupied Only (FHA 203k rehab loan) Purchase Refinance Florida FHA 203k Rehab Loan Process

After the seller accepts the buyers offer, the borrower chooses a licensed and bonded general contractor. The FHA approved consultant is then chosen by your http://www.fhamortgageprograms.com/florida/ consultant. The rehab loan borrower, general contractor and consultant meet at the property to discuss the repairs needed on the Florida home. The consultant then completes a work write-up of repairs to provide to the buyer, lender and Florida FHA appraiser.

 Allowable Improvements

Major structural repair (fire damage) Kitchen and bath remodel Room additions Landscaping Roofing Flooring Virtually anything except luxury items Florida FHA 203k Rehab Loan Appraisal Process

The FHA appraiser receives the rehab work-write up from the consultant. Then the Florida FHA appraiser completes the appraisal to determine “as completed” value. This is otherwise known as after repair value (ARV). FHA uses 110% of the “as completed” value to calculate the maximum mortgage amount of the rehab loan.

Florida FHA 203K Rehab Loan Terms

Most commonly, the FHA 203k rehab construction needs to be completed within 6 months after the close of escrow. The buyer’s loan payments can be included in the rehab mortgage for up to 6 months (determined by the scope of work and timeline in the write-up). Next, the FHA 203K consultant determines the completion of work and authorizes the final draw (payment) to the contractor. After the final payment, the FHA 203K rehab borrower can now move into their newly renovated home.