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Hi I saw your question I have decided to help people out due to the fact that I myself has been scammed twice by fake lenders in my search for a loan but at last I got a reliable lender that gave me the loan($60,000 USD) that I was in dire need of even with a bad credit. Hence I decided that I will refer anybody I come across to this God sent lender he is reliable and his terms are fair. You can get to him via his email address firstname.lastname@example.org Please tell him that Deborah Kirk he gave out a loan to me . I have search for a legit lender until I got him and I decided to help my fellow humans with this because there are a lot of fake lenders out there and I do not want any body to fall a prey please get to him and tell him that I referred you to him. Thanks. Deborah Kirk
The FHA is probably the best purchase program for 1st time home buyers available today. 3% is the statutory investment required, but it can come from a gift, a grant, approved 2nd mortgage or your own funds. You should check to see if banks have any grant money available or if the state housing finance agency in your area has any special programs. As a member of the Federal Home Loan Bank, we have grants available of up to $5,000 for qualifying 1st time home buyers. In Ohio, we have a bond money program that has a discounted rate for teachers, police, firemen, veterans and medical professionals. They also offer grants for down payment assistance or an affordable second which you can use towards closing costs or down payment. Fixed rate programs are the best thing going right now. I would not recommend an ARM unless I knew you would not see the first adjustment. Talk to a couple of reputable lenders in your area and make them compete for your business. Ask about grants and special programs and I am sure you will find something good.
Buying a home or thinking about home ownership impresses me.. a bank will lend to a person that has equity.. if you buy a home and put letrs say 20k down. you have equity in the home.. and the bank will loan to you.. forget about that credit rating.. if you have paid your electric bill and your phone bill that is proff enough that you are not a risk.. but the only advise.. the bank includes the tax payment in the mortgage and you dont know what you are paying... i would look into that because if the amount is excessive or not to your liking i would get a heraing with the asessor.. and you will getr a lower rate. at the end of each year request a copy of your bill and see if that is to much.... just get a mortgage.. from a bank not a compahy that is going to establish you and then sell your mortgage to some place else.. go to a bank the one you deal with now.. and talk to them.. ask them if they approve your mortgage applacation ..will they continue to keep the morgtgage... also where do you work do you have job security.. if you cant pay you will loose a lot of your capitol so if you have been with the company for five years you should be secure go for the house.. but keep enough in he bank to pay electric and a couple of mortgage payments in case you loose your job.. ok gilermo.
During this economy, you'll need 20% downpayment of what you're offerring. If you can't cough up at least 20%, you're probably not getting the loan. Besides the downpayment, you'll need money for renovations (at least $10,000, even if there's just a couple minor problems at the house), closing cost for your agent (at least $5,000) and money for title change. The type of loan depends on your credit history and your savings account. The more money you can put out, the better the loan gets. I suggest you contact your local real estate agent and see if you qualify to become a home owner. If you're buying a home in California, you'll need around $150,000. Good luck!
As an FYI… per the Federal Trade Commission (FTC) , there is only one source for you to get a free credit report from all three credit repositories, “annualcreditreport.com”. not give anyone else your personal info without seeing them in person. Make sure to price out your loan with your LOCAL banks and mortgage brokers only. A lot people giving advice on here are also looking to give you a loan (it’s not advice, its advertising), if they are not local to you and you can’t get to them within 1 hour don’t fall for it. They say they are licensed in all 50 states, what does that mean? Which state do you have to look in first if something goes wrong? KEEP IT LOCAL; DON'T GET RIPPED-OFF BY SOMEONE Winter Garden WHO KNOWS WHERE WHICH YOU WOULD HAVE NO DIRECT ACCESS TO. Remember Buddha's advice: "Believe nothing, no matter where you read it or who has said it, not even if I have said it, unless it agrees with your own reason and your own common sense." You are the only "expert" you can trust: All brokers, and every other loan officer guru giving advice here with a .com or contact me at the end is "selling" you something (it’s not advice, its advertising). Don't buy "it." When shopping for a mortgage, here are a few things to do to maximize your savings and time: 1. When asking for a Good Faith Estimate(GFE), tell each mortgage originator (lender) what interest rate to use so you can compare apples to apples (rate affects closing costs). This is probably a different thought process for you because you always shop interest rates on a mortgage right? Remember all mortgage originators have identical wholesale interest rates. If you shop the same interest rate among mortgage originators, it levels the playing field and discloses what they want to charge you for their time to originate and close your mortgage. It is similar to shopping for a car. Why does the exact same new car vary in cost from one dealership to the next? Some dealers want to make more profit than others. 2. Secure Good Faith Estimates from various mortgage originators within a 4 hour time frame (rate and pricing can change daily and even multiple times in one day). 3. Do not compare the prepaids, reserves, escrow, title charges, and government recording sections of the estimates; third part fees are not controlled by the mortgage originator. 4. Ask each mortgage originator to base the interest rate on a 30 day lock unless you need longer. 5. If the loan allows you to waive escrow (paying taxes & insurance yourself), let the mortgage originators know because this will affect closing costs. 6. If refinancing, let the mortgage originators know if you are pulling cash out. A cash-out refinance usually increases closing costs. Your Biggest Challenge The mortgage industry today has never been more unethical. The industry has produced several record-breaking years in a row regarding total origination and as a result, greed is driving the industry. Your biggest challenge is receiving a Good Faith Estimate that is provided to you in "Good Faith"! We spend more time showing consumers how mortgage originators are lying to them in regards to an estimate given! That’s right, lying! “Bait and switch” has become a prominent sales tool in the mortgage industry. Bait you in with a bogus estimate then switch things after you are hooked. This is so discouraging; banks and so called direct lenders have become some of the worst at this practice. Education is your biggest weapon against this practice. Take the time to fully understand closing costs and rates before proceeding. You should know exactly how much the mortgage originator is getting paid by all sources (no matter where it comes from, it's ultimately coming out of your pocket). Protect yourself by asking for and receiving prior to application and origination a written guarantee stating the TOTAL amount of compensation (YSP, rebates, commissions, kickbacks) that will be received and kept by the mortgage originator. This will help assure that your best interest is kept in mind. Originating a mortgage is a service, not a product; compensation should not be based on the loan amount or interest rate. All ethical, honest, upfront, transparent mortgage originators will be more than willing to provide you with a written total compensation guarantee in addition to the (GFE) Good Faith Estimate (focus on the word “Estimate” because that is exactly what it is, an estimate of charges) prior to originating your loan.
At least 10% downpayment, a great credit score, good debt to income ratio, and steady employment history. Ask local lenders about loan programs available to you. There are plenty of FTHB programs out there.
Sounds like you need to do some research. Get the book "Home Buying for Dummies" at your local bookstore or library. Don't buy a home without being informed. It's the biggest purchase you will ever make.
-We bought a house that we can afford, not some Mc Mansion or anything like that. -We put down 20% to avoid paying Private Mortgage Insurance. -30 yr fixed mortgage loan.
Good credit, make enough money for ratio to bills.. 5,000 lease to purchase