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Home Page > Business > Finding The Lowest Mortgage Rates With Different Types Of Mortgages

Finding The Lowest Mortgage Rates With Different Types Of Mortgages

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One of the things that you might not be aware of when you are looking for mortgage rates is that there are different types of mortgages, and if you are able to discuss these different types with your lenders, you will find better deals. The different types of mortgages are meant to be used for people of different ages and experiences, and with different job histories, credit histories, and financial obligations. The many different types of mortgages translate to chances for just about everyone to find a good deal on a home loan, so if you are interested in a mortgage it is important to focus on the different types of mortgages so you know you can find the one with the lowest rate. There are several different types of mortgages that you should be aware of, so that you can explore them and figure out which ones will have the lowest rates for you.

Basic Home Mortgages

First of all, there are basic home mortgages. These are two different types of mortgages that are the most popular. First is the traditional fixed rate mortgage, and second is the adjustable rate mortgage. Both of the mortgages have a basic monthly payment, and then an interest rate that is added onto them. However, they are different.

With a fixed rate mortgage, your interest rate is locked in when you begin to pay back the loan. This means that you have a fixed rate for your repayment, for the length of your mortgage. The rate will stay the same for the life of the loan, no matter what the current market does. Therefore, when you are paying back this type of loan, you will have a stable amount to pay back each month.

The adjustable rate mortgage is another option, and it has actually become quite popular lately. This is a basic home mortgage that allows the interest rate to fluctuate with the changes in the market. It means that whatever home market values are doing, it is reflected in the interest rate that you are paying. This means that if market values go up, your payment will go up, but if market values go down, your payment will go down. Some of these loans have a cap to the amount of change that can occur during an adjustment period, and some have a lifelong cap, meaning that there is an amount of change that can be met, after which the loan will not go any further up or any further down.

Government Guaranteed Mortgage Loans

There are also government guaranteed mortgage loans. This is a FHA loan, which is a fixed rate mortgage, designed for a first time home buyer, who has moderate or low income. This is a loan that is guaranteed by the Federal Housing Administration, as a way to make sure that first time home buyers are getting into home ownership and are ready to become home owners. It can be easier to qualify for these loans, because they usually have a lower credit rating approval, and a lower income that is needed to qualify to pay back the mortgage.

VA Loans

VA loans are another type of mortgage loans. These are loans that are meant for people who have been in military service. Either someone who has been on active duty with the military ,or a spouse of someone who died as an active service member are eligible to get VA loans. These loans can be easier to get because they often require little or no down payment. In order to get VA loans, the person must be able to make the monthly payments.

USDA Rural Development Guaranteed Housing Loan

Another government guaranteed loan, the USDA rural development loan, is given to people who have low to moderate income, and who are purchasing a home in a place that has been designated as a Rural Development Area. With this type of loan, there is no down payment that is required, and often there is no mortgage insurance required. It can be much easier to get this type of loan than any other type of mortgage, as long as you are buying a home in a rural development area.

Option ARMS

Another type of loan is a flexible payment ARM. These loans have an interest rate that adjusts each month with no caps on the adjustments. Often, these loans will allow you to make low payments right away, but the payments will increase over time, and will often increase a large amount very quickly.

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Sandy Darson is a freelance writer who writes about financial products pertaining to the mortgage industry such as the lowest mortgage rates.

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Three Types of Home Mortgages

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When you go to a lender which is usually the bank; (there are intermediary companies called lenders, but they don’t give the money for the loan they are in between you and the bank) for a home loan there are a few that may fit your situation. It is the lenders job to find the loan (in this case the mortgage) that best suits your situation.

The three loans that are primarily available for loans for mortgages are:

1. A Conventional Loan

2. A FHA Loan

3. VA Loan

A “Conventional Loan” is a regular mortgage loan. This is a go to the bank and take out a loan mortgage. FHA Loans are government loans that make it easier for people to buy a home. The thing about FHA loans is the government guarantees part of the loan. If a person has problems making their mortgage payments then the government will pay it back for you. This is providing you are in default (the bank is in the process of taking your home because you can’t meet the mortgage payments). Since FHA loans are guaranteed they are easier to pay back. Keep in mind that the government will only step in and pay after your house is repossessed. Not all home sellers will agree to take this type of loan. This is because they feel there is too much red tape involved. If you qualify for a FHA loan the house cannot be a fixer upper. An FHA home has to pass the home inspection with flying colors. However there are several FHA programs for those who qualify.

VA loans are for Veterans; those who have served in the armed forces of the United States. The good thing about VA home loans is that you may have the down payment waved. With a VA loan the government guarantees the loan like an FHA loan to make the lender feel comfortable with lending the person asking the money. A VA loan can be combined with a second mortgage. In that case the bank makes the primary loan for the price of the home and the seller makes a separate loan for the buyer so they can cover the rest of the costs involved. The best thing about a VA loan is that it can be qualified so that if a future buyer is interested in your home your hands are not tied if you have to sell it. You can also sell the home to anyone you choose. They do not have to be a veteran.

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Nash Dadameah writes on common and general interest. Currently, he is focusing on projects on Jaguar XKE and BlackBerry Covers.

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Is there ANY help for homeowners with an FHA mortgage that are lucky enough to still have their jobs, not late on payments.. but are completely under water with their home values and just want to refi
I am 62 years old ,retired and a home owner with home owners insurane. Can I apply for a reverse mortgage loan or any other debt consolidation loan

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Home Page > Finance > Real Estate > What You Should Know About Home Mortgages

What You Should Know About Home Mortgages

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Posted: Oct 12, 2009 |Comments: 0
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There are many mortgage products available for San Fernando Valley home buyers. If you are a first time home buyer, the various types of loans may be confusing to you. You should try and educate yourself first by comparing different loans and interest rates. Much of the information can be obtained on the Internet.

It is important to work with a mortgage broker or lender that you trust. Your San Fernando Valley Realtor can recommend a good mortgage broker to help you with your financing needs.

To get started, here are some crucial things you should know about home mortgages:

Conventional Loans (conforming or non-conforming/jumbo loans)

Conventional loans are made by banks and traditional lending institutions. Guidelines for conventional loans are based upon Fanne Mae and Freddie Mac guidelines. Fannie and Freddie only insure loans; they do not make them.

Government Loans

Government programs include FHA and VA loans. Each loan program is governed by their own requirements and guidelines.

FHA has a low minimum down payment of 3.5%. Borrowers must use the property as their primary residence and can only purchase 1-4 units including a single family home, condo or townhome. Home improvement loans are also available through FHA. FHA insures loans made by FHA approved lenders. FHA loan limits vary by the specific county where the property you are purchasing is located.

VA loans are made by lending institutions and are guaranteed by the U.S. Dept of Veterans Affairs. This program is for veterans and service personnel so that they can afford to purchase a home. There is no down payment required. VA loan limit amounts also depend upon the specific county where the property you are purchasing is located. The general loan limit is $417,000. The VA determines the borrower’s eligibility, and then issues a certificate of eligibility for the borrower to use to apply for their VA loan.

Interest Rates

Interest rates are either fixed or variable. Fixed rates are the preferred type of loan. The term is fixed for a period of 40, 30 or 15 years. 30 years is the most popular fixed rate loan. A variable loan rate changes depending upon the base interest rate. If rates go up, your monthly payment goes up. If the rates go down, then your monthly payment goes down. Variable rates are for 5/1 ARM and 5/1 jumbo ARM’s or combinations.

Mortgage Broker or Lender?

Mortgage brokers do not loan money. They assist borrowers to find the best loan products. Typically, mortgage brokers work with many different lenders to match the borrower’s needs and financial situation.

A mortgage broker will take your loan application, lock in your rate with a lender and gather all the required information that is necessary to process your loan. The mortgage broker will disclose federal and state disclosure laws to you. Mortgage brokers are paid a commission for putting you and the lender together. The borrower generally pays the mortgage broker’s ocmmission in the form of closing costs or what is typically referred to as points. Some borrower’s prefer to work with mortgage brokers because they have access to more loan products. If you have credit problems, you probably will have better luck finding a loan by working with a mortgage broker. Other borrowers like to work with their local bank. It is a personal decision.

When choosing a mortgage product, look for the best terms and rates and avoid things like pre-payment penalties and junk fees. Stay within your budget. A good conservative rule of thumb is to keep your mortgage payment to 25% of your gross income. This way you won’t feel stressed that you are living beyond your means. Take your time shopping around until you are satisfied with the product you have chosen. Have the lender or mortgage broker give you a pre-qualified letter at the time you are making your offer. Better yet if you have already gone through the loan approval process, and can give the seller a pre-approval letter. This has much more weight because it signifies that you already have your loan lined up.

Retrieved from “http://www.articlesbase.com/real-estate-articles/what-you-should-know-about-home-mortgages-1331318.html”

(ArticlesBase SC #1331318)

David Hitt – Realtor and Training Director Coldwell Banker -
About the Author:

David Hitt – San Fernando Valley Realtor and Training Director – has been serving buyers and sellers in the San Fernando Valley areas for over 13 years. His knowledge of the real estate market in Encino, Sherman Oaks, Lake Balboa, Studio City, Van Nuys and North Hollywood have helped him achieve an excellent reputation throughout the Coldwell Banker network (818)422-1702 or (866)981-3438 http:///www.san-fernando-valley-ca-real-estate.com http://www.san-fernando-valley-ca-real-estate.com/sherman-oaks http://www.san-fernando-valley-ca-real-estate.com/encino-Ca-real-estate

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What are points on a home mortgage?
Is there ANY help for homeowners with an FHA mortgage that are lucky enough to still have their jobs, not late on payments.. but are completely under water with their home values and just want to refi
I am 62 years old ,retired and a home owner with home owners insurane. Can I apply for a reverse mortgage loan or any other debt consolidation loan

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Home Loan Mortgage Choices for your Next Home

Source: http://www.articlesbase.com/real-estate-articles/what-you-should-know-about-home-mortgages-1331318.html

Article Tags:
home mortgage, loan, financing, home, house, real estate, david hitt, mortgage, conventional loans, interest rate, mortgage broker, mortgage lender

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David Hitt – San Fernando Valley Realtor and Training Director – has been serving buyers and sellers in the San Fernando Valley areas for over 13 years. His knowledge of the real estate market in Encino, Sherman Oaks, Lake Balboa, Studio City, Van Nuys and North Hollywood have helped him achieve an excellent reputation throughout the Coldwell Banker network (818)422-1702 or (866)981-3438 http:///www.san-fernando-valley-ca-real-estate.com http://www.san-fernando-valley-ca-real-estate.com/sherman-oaks http://www.san-fernando-valley-ca-real-estate.com/encino-Ca-real-estate

Different Types Of Va Refinance Mortgages Help Homeowners

Published on : 23 December 10
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Different Types Of Va Refinance Mortgages Help Homeowners

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Home Page > Finance > Different Types Of Va Refinance Mortgages Help Homeowners

Different Types Of Va Refinance Mortgages Help Homeowners

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One of the benefits of serving in the United States Military is the right to use the VA loan benefit. A VA refinance mortgage can help homeowners refinance their current mortgage loan in order to lower their current interest rate, eliminate mortgage insurance, and/or consolidate debt.

Types of VA Refinance Mortgages

There are three main types of VA refinance mortgages that can be used in different situations. If a homeowner who is a current service member or veteran of the Armed Forces wishes to not only refinance his current mortgage, but also consolidate debt, the cash-out VA refinance mortgage would be the best product, regardless of his or her current loan type. If a homeowner currently does not have a VA loan, but wants to take advantage of the benefits offered by this program, he should use the VA rate-term refinance mortgage. If a homeowner currently has a VA loan and wishes to lower his interest rate, the type of refinance that may best suit him is the Interest Rate Reduction Refinance Loan.

Cash-Out VA Refinance Mortgage

This type of VA refinance loan is available to anyone, regardless of their current loan type, provided that they qualify on the basis of military service, credit, and income eligibility. Currently, most lenders allow borrowers using a VA loan to cash out up to 90% of their home’s value. This money can be used to consolidate debt or simply to obtain additional funds for whatever reason the homeowner chooses. Many homeowners use this type of loan to eliminate costly revolving debt and to decrease their monthly payment obligations. Unlike credit card interest, the interest on a homeowner’s mortgage can be low, fixed, and tax deductible.

Rate-Term VA Refinance Mortgage

A rate-term VA refinance mortgage allows homeowners to refinance up to 100% of their home’s value and take advantage of all the benefits that this program has to offer. With a VA loan, the homeowner will never be required to pay monthly mortgage insurance and will have access to low, fixed rates. This type of VA refinance mortgage can significantly lower monthly payments without high out-of-pocket expenses.

Interest Rate Reduction Refinance Loan (IRRRL)

This type of VA refinance mortgage is a streamlined mortgage and is only available to homeowners who currently have a VA home loan. This refinance can be used to obtain a lower interest rate, change the terms of the loan, change the current borrowers, and change to a fixed interest rate from an adjustable rate. When a borrower uses an IRRRL, there are no out-of-pocket costs and no appraisal is required. As a convenience to those who have already used their VA home loan benefit, there are also reduced documentation requirements for income information, asset information, and employment, as well as quick application processing.

There are many different types of VA refinance mortgages that are set up to benefit veterans in different situations. VA home loans can provide great benefits to those who have served their country.

Retrieved from “http://www.articlesbase.com/finance-articles/different-types-of-va-refinance-mortgages-help-homeowners-1904174.html”

(ArticlesBase SC #1904174)

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As a former psychology major, finding solutions to resolve people

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Home Page > Finance > Real Estate > HUD finally allows Loan Modifications on FHA Mortgages

HUD finally allows Loan Modifications on FHA Mortgages

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HUD finally allows Loan Modifications on FHA Mortgages

By: Drew Sygit

About the Author

Drew Sygit writes and speaks about the mortgage & real estate industries. He holds mortgage industry designations CMPS, CMC, CRMS, CMLO, CALO, has an MBA and is an approved industry instructor. He’s presented, spoken and/or written for HUD, Financial Planning Association, Financial Planners Association of Michigan, Michigan Association of CPA’s, Institute of Continuing Legal Education, Oakland Real Estate Investors Association, North Oakland County Board of Realtors and numerous industry publications. He also publishes his own blog.

(ArticlesBase SC #1131714)

Article Source: http://www.articlesbase.com/ – HUD finally allows Loan Modifications on FHA Mortgages

TROY, MI – On July 30, HUD published Mortgagee Letter 2009-23, that detailed their long awaited loan modification program for homeowners with FHA mortgages.

What took so long? President Obama announced the “Making Home Affordable Program” (MHA) for FNMA & FHLMC mortgages back on March 4th of this year.

We should all be glad HUD’s modification program is finally available, but HUD is supposed to be a homeowner advocate and watchdog. Some watchdog! HUD’s response time on this means if they were guarding your house, the crooks would have already been back several times and stolen everything but the kitchen sink before they sounded an alarm.

This latest piece of legislation does show the Obama administration fully believes the best way to solve the housing crisis and stem the tide of foreclosures is to make home payments affordable.

This was sorely lacking with FHA’s other modification options. Most homeowners with FHA mortgages were forced into forbearance programs that usually increased their monthly payments. HUD’s forbearance program was actually designed for different economic times when a job loss or other economic hardship was typically temporary. Worse-case in those days, a homeowner could usually sell their home to pay off the mortgage they were having difficulty paying. The current Great Recession and percentage of upside homes no longer makes forbearance a very realistic and viable option.

The new guideline kicks in August 15, 2009 for homeowners with FHA mortgages.

Who’s Eligible

The FHA mortgage to be modified must be at least 12 months old and the homeowner must have made at least 4 full monthly payments.

The FHA mortgage must be less than 12 months behind on payments, but surprisingly, it s required that the mortgage be at least 30 days behind. This is a major difference from the MHA program where no delinquency is required.

The homeowner must still live in the property with the FHA mortgage being modified, so rental properties with FHA mortgages are not eligible.

The homeowner cannot have deliberately defaulted on their FHA mortgage payments. I’d like to know how HUD and the mortgage servicers intend to determine this. My guess is that they won’t – except in obvious cases where a homeowner has a lot of liquid reserve funds in non-retirement accounts. T

he homeowner must first try to qualify for other loss mitigation home retention options – FHA Special Forbearance, Loan Modification and Partial Claim. This is a silly requirement that could lead to confusion, unnecessary delays and ultimately foreclosures instead of the intended modifications. FNMA & FHLMC modifications have no such requirement.

The Modification Process

A homeowner will have to submit detailed financial information to whoever is servicing their FHA mortgage and sign a hardship affidavit attesting to their financial difficulties. This information may be provided either in writing or verbally over the phone.

Similar to the FNMA/FHLMC modification process, the goal of the FHA modification is to lower the Principal, Interest, Taxes & Insurance (PITI) payment to 31% of the homeowner’s gross monthly income. HUD calls this a Front End Ratio.

Unlike the FNMA/FHLMC modification program though, the FHA version also has a Back End Ratio requirement where total debt payments including PITI, cannot exceed 55% of gross monthly income. Any second mortgages must also be included in the Back End Ratio.

The last calculation is the toughest to understand – up to 30% of the current mortgage balance, less payments in arrears (up to 12 months) and allowable foreclosure costs, may be deferred along with the corresponding payment amount. The amount deferred is also limited to that which will bring the PITI payment down to 31% of the homeowner’s gross monthly income.

Confused yet? I’d like to know why HUD made this so complicated. It’s bound to cause major confusion in the customer service ranks.

HUD did provide an example to illustrate the process:

Homeowner had a reduction of income and is delinquent 3 full mortgage payments. The unpaid principal balance on the mortgage on the date of default is $150,000 and the monthly payment is $1,220 (consisting of P&I of $920 and escrows, including MIP, of $300). The financial analysis reveals that the homeowner’s gross monthly income is $3,500 and the total monthly other recurring debt payments are $800.

In order to fulfill the 31% Front End Ratio requirement, the homeowner’s total monthly mortgage payment would have to be reduced to $1,085 ($3,500 x 31%). Therefore, P&I would have to be reduced to $785 ($1,085 total monthly mortgage payment less $300 escrow and MIP). Assuming that the loan modification will have an interest rate of 6% and a P&I of $785, the new mortgage amount would have to be $130,931, resulting in a principal reduction of $19,069 ($150,000 unpaid principal balance less $130,931). In this example, the homeowner’s Back End ratio is 53.9% ($1,885/$3,500), which satisfies the 55% Back End Ratio limitation.

In this example, the maximum principal deferment is $41,340 (30% of $150,000, less the $3,660 delinquency, or $45,000 – $3,660). However, based on their gross income, the homeowner is eligible only for a principal deferment of $19,069 plus $3,660 arrearages (which would include any foreclosure costs incurred to that point, in accord with Mortgagee Letter 2008-21) for the total deferment of $22,729.

Once a modified payment is calculated, a homeowner must undergo a trial modification period and make three consecutive trial monthly mortgage payments on time. Failure to do so will result in foreclosure.

The good news is that no payments will be due and no interest charged on the amount deferred until the rest of the mortgage is paid off. HUD is NOT forgiving part of the mortgage balance. Effectively, HUD is lowering the current payment by extending the term of the mortgage.

Other Issues

A lender may not charge a homeowner any fees for doing an FHA loan modification and all late fees must be waived.

No appraisal is required, but a lender may perform an inspection of the property to confirm it’s in livable condition.

The interest rate may be lowered to 2% above the monthly average yield on U.S. Treasury Securities, adjusted to a constant maturity of 10 years.

A modified mortgage must result in a lower payment for the homeowner.

By the way, lenders will be paid up to $1250 for each FHA mortgage they modify. Hopefully, lenders use that money to hire a few extra bodies to handle the increased workload and don’t just use the funds to pad their profits.

Click here to read more HUD issued guidelines on modifications.

Overall, it’s about time HUD caught up with FNMA & FHLMC in regards to more aggressive loan modification guidelines. It didn’t make sense to force FHA lenders to only offer an antiquated forbearance option to homeowners experiencing economic hardships.

It’s interesting that there’s still no official loan modification program to lower payments on VA mortgages.

I’d like to know how many homeowners with FHA mortgages lost their homes to foreclosure while waiting for these new modification guidelines from HUD. Many of them could probably have avoided foreclosure with this new modification plan. Congress should call the organization to task for this delay.

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Drew Sygit -
About the Author:

Drew Sygit writes and speaks about the mortgage & real estate industries. He holds mortgage industry designations CMPS, CMC, CRMS, CMLO, CALO, has an MBA and is an approved industry instructor. He’s presented, spoken and/or written for HUD, Financial Planning Association, Financial Planners Association of Michigan, Michigan Association of CPA’s, Institute of Continuing Legal Education, Oakland Real Estate Investors Association, North Oakland County Board of Realtors and numerous industry publications. He also publishes his own blog.

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