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Quick Mortgage Tips for Home Loans, Equity Loans, Reverse Loans, Cash-Out Loans and Refinance Loans
Posted by nick_niesen on October 29th, 2010
If you're considering a mortgage loan, you might be wondering what options are available. Today, there are many options besides the conventional methods of
obtaining a mortgage. Whether you're applying for a home loan for a new
home cheap nike air max 2019 wholesale australia , a refinance loan, an equity loan, a HELOC, or a reverse loan, you should be aware of what each loan entails.
Buying a New Home
When buying a new home, you'll need to be approved for a new home loan through a lender, or ask the seller to finance the home for you. Before applying
at a lending institution cheap nike air max 2019 australia , research your options. Determine how much "house" you can afford. Use online mortgage payment calculators to figure what the payments
would be for different home loan amounts. Then, you'll know what price range you
can shop within, and whether or not you can afford the payments. Remember, your
incomedebt ratio must fit within the lender's guidelines to qualify for a
conventional loan.
Healthy and "Not-so-healthy" Credit Scores
If you have an excellent credit score, then your incomedebt ratio along with the investment capital you have available will be the main factors in
determining home loan availability. However, if there are flaws in your credit
history due to non-payment or repossession, you will be limited in the type of
home loan you can obtain. But don't lose heart. Many homebuyers whose credit is
"not-so-great" do qualify for non-prime loans. Non-prime loans can be a bit
higher-priced than prime loans or have higher interest http://www.cheapairmax2019australia.com/ , but you might still be able to buy your dream home!
Creative Financing
Don't settle for conventional loans if you don't have to. There are many creative ways to finance a new home loan. If you do not have the needed
investment capital or a down payment, some lenders will finance the down payment
for you as well as the closing costs. If not, the seller might be willing to
finance part of the loan to cover these costs. This can work even if the seller
doesn't have extra "money to lend!"
Explain to the seller that it could be advantageous to him because of income taxes. He might much rather claim an income of $100,000 than $120,000! Spreading
out payments for $20,000 of the loan amount over a period of five or ten years
could make a huge difference on his taxes due for that year. Consult with an
accountant to find out if this could work in your situation.
Unusual Types of Home Loans
If you're worried about budgeting with a new home loan payment each month, try a FlexPay loan where several monthly payment options are available to you
every month. These options include interest only payments cheap nike air max 2019 outlet , full-amortized payments, and minimum payments. There are also bi-weekly mortgages for paying more toward your premium each year through a
bi-weekly payment schedule.
Hard Money loans are also available when there is a large amount of equity built up in a home. The loan approval is based more on the home or property's
value than the borrower's credit history or jobsalary history.
Refinance Loans
If you plan to refinance your home, there are several options. A refinance means you are re-evaluating the terms, payments and interest of your loan. You
might refinance to simply get the interest rate or payment lowered. Or, you
might want to keep a little cash out for yourself as well. This is called
"Cash-out" refinancing. Cash-out loans are made when you want to refinance your
home for more than is owed on it. For instance, you owe $60,000 cheap nike air max 2019 free shipping , but want to refinance for $80,000. You'll pocket the additional $20,000 to use for home repairs, remodeling or whatever else!
Reverse loans are available for those over 62 years of age who own their home free and clear or have much equity built into it. They can receive a monthly
payment, a lump sum or a line of credit. This does not have to be repaid until
the borrower moves or passes away. Then, the estate can be sold to pay the note.
Another option for leveraging your home equity is to create a HELOC (home equity line of credit) that is secured by the equity in your home. HELOCs can be
used to pay debts, make purchases cheap nike air max 2019 sale , or anything else. Be aware, however, that the interest rate can fluctuate monthly.
Now that you are armed with many options for obtaining a home loan or refinancing your mortgage, check with an online lender to find out what plan
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