Fha Information
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The document discusses upcoming changes to FHA loan requirements and guidelines. Key points include: 1) The monthly mortgage insurance premium for FHA loans will increase starting in October, requiring borrowers to have more monthly income to qualify. 2) The maximum seller contribution allowed towards closing costs and concessions will be reduced from 6% to 3% of the home's value. 3) Despite the changes, FHA loans remain accessible to buyers and expand the potential buyer pool for sellers, as long as expectations are properly managed regarding financing requirements.
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614-937-4162
Pp Tconsumer
1. A reverse mortgage allows homeowners aged 62 and older to convert their home equity into tax-free cash without making monthly payments. The loan does not need to be repaid as long as the homeowner lives in the property as their primary residence.
2. Homeowners have flexibility in how they receive the loan proceeds, which can be used for any purpose. They retain ownership of their home and the lender cannot force a sale of the property.
3. A reverse mortgage has costs and fees, but it enables older homeowners to access equity in their home to supplement their retirement income or pay for other expenses.
Reverse Mortgage
1. A reverse mortgage allows homeowners aged 62 and older to convert their home equity into tax-free cash without making monthly payments. The loan does not need to be repaid as long as the homeowner lives in the property as their primary residence.
2. Homeowners have flexibility in how they receive the loan proceeds, which can be used for any purpose. They retain ownership of their home and the lender cannot force a sale of the property.
3. A reverse mortgage has costs and fees, but it enables older homeowners to access equity in their home to supplement their retirement income or pay for other expenses.
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Lisa theriault home_buyers_guide
Everything you need to know about purchasing a home, whether you are a first time home buyer or a repeat buyer - this is a great place to start. Then contact me at lisat@mortgagebrokersottawa.com to get started on your preapproved mortgage...
Buying A Home
Making money sensetips and ideas to help your family prosper
Buying a Home
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Important questions to consider if you think
buying a house is right for you...
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Home Equity Line Special
Now is a great time to take advantage of the low rates on our home equity lines of credit. BB&T can help provide the funds you need to make improvements to your home, take care of planned or surprise
BENEFITS AND SAVINGS YOU WILL ENJOY:
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and local closings
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rate, and payment on all or a portion of
your line
■ Interest may be tax-deductible**
Call or stop by your local financial
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expenses, or save money by consolidating debt.
FHA Streamline Refinance
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Buying A Home In Todays Market
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The presentation outlines the key steps in the home buying process including getting pre-approved, finding a home, making an offer, finalizing financing details, completing inspections, and closing on the purchase. It also discusses determining financing options, assessing affordability, and maintaining the home after purchase. The presentation aims to educate home buyers on navigating the process and emphasizes working with a mortgage consultant for assistance.
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Securing Retirement with a Reverse Mortgage:San Diego Mortgage and Loans
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Fha Information
- 1. What You Need to Know About Upcoming Changes to FHA Loans
- 9. Rates Down, Opportunity Up Companywide Market Seminar September 25 11 am
Editor's Notes
- FHA will now require borrowers to have a minimum credit score of 500. Borrowers with credit scores below 580 will have to put at least 10 percent down. These FHA requirements won’t affect Weichert customers, as WFS will continue to require a minimum score of 620 – although other lenders are requiring scores of at least 660.
- Based on 30-year loan @ 4.50% with taxes and insurance of $400/month Housing expense ratio of 31% with monthly debt not exceeding 12% of income (total debt ratio of 43%) Reflects upfront MIP decrease to 1% and monthly MIP increase from 0.55% to 0.90%
- Note: the reduction in seller contribution has NOT been finalized, but the expectation is that the max will decrease to 3%