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Access to wholesale mortgage rates along with hundreds of mortgage programs that retail lenders don't offer!
Frightened by the headlines more people are now applying for fixed rate mortgages. Many people are rediscovering the appeal of fixed
rate mortgages with monthly payments that don't change over the course of the loan. Picking between non traditional loans, fixed and
adjustable rate mortgages is one of the biggest decisions home owner's make.
Adjustable-rate loans have only accounted for about 20% of all mortgage applications down from its high of 36% in 2005.
Fixed-rate mortgages may not be a good fit for everyone, but for most borrowers they are a sensible choice. Predictable monthly
payments have provided home owners with peace of mind from rising interest rates and payments.
rate mortgages with monthly payments that don't change over the course of the loan. Picking between non traditional loans, fixed and
adjustable rate mortgages is one of the biggest decisions home owner's make.
Adjustable-rate loans have only accounted for about 20% of all mortgage applications down from its high of 36% in 2005.
Fixed-rate mortgages may not be a good fit for everyone, but for most borrowers they are a sensible choice. Predictable monthly
payments have provided home owners with peace of mind from rising interest rates and payments.
Mortgage Loan News
A declining market may be the best time to buy real estate. A good rule of thumb is to buy when everyone is selling and to sell
when everyone is buying. The huge criss in the mortgage market has brought about tougher lending guidelines and higher rates.
- Click on this link for more information regarding plan for struggling home owners
when everyone is buying. The huge criss in the mortgage market has brought about tougher lending guidelines and higher rates.
- Click on this link for more information regarding plan for struggling home owners
This key indicator is the interest rate banks charge each other for overnight loans. Although this action doesn't have a dramatic affect
on long term interest rates it does however have an immediate effect on the Prime Rate which was reduced from 4.00% down to
3.25%. A reduction in the Prime Rate will lower the interest rate you would receive on a Home Equity Line Of Credit or a Fixed Rate
Second Mortgage and even credit cards.
on long term interest rates it does however have an immediate effect on the Prime Rate which was reduced from 4.00% down to
3.25%. A reduction in the Prime Rate will lower the interest rate you would receive on a Home Equity Line Of Credit or a Fixed Rate
Second Mortgage and even credit cards.
FHA Has Temporarily Raised The Loan Limits Throughout The United States!
Federal Reserve lowered the Fed Fund Rate from 1.00% down to 0.25% .
To see the new limits in your area click on this link "New FHA Loan Limits"
FHA Loans Soar In Popularity
Today FHA loans account for more than 21% of all new home mortgages up from the low of 4% just 3 years ago. The biggest
differences between FHA and conventional loans are as follows.
- FHA loans only require a minimum credit score of 600 while conventional loan require a score of 720 to get the best rates.
- FHA loans only require a minimum of 3.5% down payment which can be gifted while conventional loans require a minimum 5%
down payment from the home buyers own funds.
- Click on this link for more information regarding FHA Loans
differences between FHA and conventional loans are as follows.
- FHA loans only require a minimum credit score of 600 while conventional loan require a score of 720 to get the best rates.
- FHA loans only require a minimum of 3.5% down payment which can be gifted while conventional loans require a minimum 5%
down payment from the home buyers own funds.
- Click on this link for more information regarding FHA Loans
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Obama Announces Bailout Plan For Struggling Households:
The Obama administration has announced changes to both FHA Programs and to the Home Affordable Modification Program "HAMP"
to help struggling homeowners. According to the announcements loan providers will be given more flexibility plus new help will be
provided to those homeowners stuck in properties that are worth less then what is owed.
- For more information regarding the Obama Bailout Plan turn to the FHA section in this website
to help struggling homeowners. According to the announcements loan providers will be given more flexibility plus new help will be
provided to those homeowners stuck in properties that are worth less then what is owed.
- For more information regarding the Obama Bailout Plan turn to the FHA section in this website
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At Best Mortgage Available.com we specialize in providing customized mortgage solutions that are specifically structured to meet our
clients individual needs. We can custom tailor a lending solution that meets both short-term and long-term needs.
We are focused on the long-term relationships by providing competitive options that can assist clients in purchasing a new residence
or refinancing existing debt to further utilize assets. These options may allow clients to take advantage of the home mortgage interest
deduction, preserve assets and income, continue an existing investment strategy and potentially defer capital gains.
clients individual needs. We can custom tailor a lending solution that meets both short-term and long-term needs.
We are focused on the long-term relationships by providing competitive options that can assist clients in purchasing a new residence
or refinancing existing debt to further utilize assets. These options may allow clients to take advantage of the home mortgage interest
deduction, preserve assets and income, continue an existing investment strategy and potentially defer capital gains.
"If You Have The Dreams! We Have The Solutions!"
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FHA To begin "Short Refinance Program" Sept. 7th!
On Sept 7th the Federal Housing Authority (FHA) will start accepting applications to help homeowners that owe more on their
mortgage then their home is worth.
The Short Refinance Program - this program encourages lenders to forgive 10% or more of the existing mortgage so that loans can
be refinanced at a lower interest rate. This would help both the lenders and the home owners. Lenders would be able to remove
troubled loans from their books and also allow homeowners to lower their payments.
- To qualify the total principal of the new first loan and any existing second loan(s) must not exceed 115 percent of the property's
value.
- FHA estimates that this programs will help anywhere from 500,000 to 1.5 million borrowers.
- The minimum credit score must be 500 or higher.
- Click on this link for more information.
mortgage then their home is worth.
The Short Refinance Program - this program encourages lenders to forgive 10% or more of the existing mortgage so that loans can
be refinanced at a lower interest rate. This would help both the lenders and the home owners. Lenders would be able to remove
troubled loans from their books and also allow homeowners to lower their payments.
- To qualify the total principal of the new first loan and any existing second loan(s) must not exceed 115 percent of the property's
value.
- FHA estimates that this programs will help anywhere from 500,000 to 1.5 million borrowers.
- The minimum credit score must be 500 or higher.
- Click on this link for more information.
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