Fixed Rate Mortgages
Fixed rate mortgages are the most traditional of home loans. They have consistent monthly payments for the life of the loan with more of the interest begin paid at the front end of the loan. more
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Down Payment Assistance
Local and state governments often offer down payment assistance to low-income mortgage borrowers. This can make it easier for them to get a good interest rate as well. more
FHA Property Improvement Loan Insurance (Title I)
Homeowners can get low-cost home improvement loans with the help of FHA mortgage insurance. Depending on the type of property, these loans can be as much as $60,000 and last as long as 20 years. more
Reverse Mortgages
Reverse mortgages are often used as a form of retirement funds for seniors with substantial equity in their homes. They are loans that give homeowners a lump sum or monthly payments to use for any purpose. more
The Mortgage101 Blog
Gov’t Expands Homeowner Rescue Plan, While Rates and Mortgage Apps Dip
According to the Wall Street Journal, the Obama administration is redefining who can qualify for government assisted refinance programs. Apparently the original guidelines were not broad enough to help those most struggling with their loans. After all, the first rules limited homeowners to having a 105 percent loan to value ration on their homes, yet according... more
- Home Prices Fell Just a Little in April, But No Real Sign of Economic Recovery
- Fed, Mortgage Rates Not Moving Much
- To Wait or Not to Wait?
- Breathe a Sigh of Relief – Mortgage Rates (and the Economy) are Back Down Again
- Builder Confidence Dives as Rates Rise
- Mortgage Rate Conundrum Continues
- Tax Credit Can Be Turned Into Closing Cost Cash
- Rates Jump Dramatically to Six Month High
- Is the Housing Market Getting Back on Track?
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The Home Buyer Checklist identifies some of the important factors to consider when choosing a home.
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The size of the down payment can vary greatly from mortgage to mortgage. In general, however, the larger the mortgage, the better the interest and the less private mortgage insurance you will end up paying.
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