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4 Solid Home Refinance Options in 2017

Even though mortgage interest rates have started to edge up, home buyers and existing homeowners considering a home refinance loan with good credit can still get a competitive interest rate in today’s market. But there are still many home refinancing options out there. Which home refinance program is the best and which offers the best… Read More »

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Top 6 FHA Mortgage Tips for U.S. Home Financing

Many Americans are feeling optimistic about the economy for 2017 and are planning to apply for an FHA mortgage. The economic signs are pointing to strong economic growth, as the stock market is booming and the Federal Reserve is contemplating as many as three rate hikes next year. One of the very best home loan… Read More »

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4 Reasons Why Home Equity Loan Programs Heat Up with Trump

Donald Trump was elected the next president of the United States, and some financial experts believe that the President-elect could be good for the housing and mortgage industry. One of the areas of real estate that could see more activity is in home equity loans. A home equity loan is a form of second mortgage… Read More »

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What Closing Costs Are Tax Deductible on a Refinance Mortgage?

Many homeowners today are choosing to refinance their mortgage because of the very low interest rates that are usually under 4% as of fall 2016. Refinancing a mortgage on your home property can save you hundreds of dollars per month, freeing up money for many other expenses of life. Also, some of the expenses of… Read More »

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8 Secrets of the Cash Back Refinance Program

If you own a home, you probably have heard about a cash back or cash out refinance. Homeowners are blessed with unique opportunities to access money when refinancing their home. What is a “cash back  refinance” and why would you do it? We’ll explain in detail below. Cash Back Refinance Basics A cash back or… Read More »

FHA Loan Qualifications for Refinancing in 2017

Home owners who have an FHA mortgage may want to take advantage of low interest rates by doing a FHA refinance in 2017. If you are one of them, know that there are two types of FHA refinances to consider. Below are more details about FHA loan qualifications you will need for either type. You… Read More »

How to Shop the Current Mortgage Refinance Rates

Do you want to refinance but are wondering about the current mortgage interest rate environment? Don’t worry too much: You still have time to get a good deal. While rates have inched up since one year ago, refinance rates are still quite low and likely will not go above 5% in 2017, according to many… Read More »

2017 Guide to Home Construction Loans

If you are planning to build your own home this year, you will probably need a new home construction loan. This article will highlight the critical parts of construction loans so that you can make an informed decision on how to finance new home construction loans. Overview Unless you can pay cash for your home… Read More »

How to Find the Best Second Mortgage Lenders Online

Not all banks and loan shops offer 2nd mortgages, so we suggest finding second mortgage lenders that specialize in this unique niche market of subordinate financing. So unless you have a lot of equity and an amazingly high credit score, the chances are pretty slim that you can walk into your local bank and take out… Read More »

What FHA Loan Program Is Best for You?

It is not breaking news that FHA loans are some of the most popular on the US market today. Why? FHA loan programs are backed and insured by the Federal Housing Administration. These FHA loan qualifications feature more flexible underwriting requirements and rates, as well as lower down payments. All of these features make FHA loans… Read More »

Top 4 Home Improvement Loans for Remodeling, Rehab and More

Many Americans want to remodel their homes but lack the cash in the bank to pay for the remodeling projects so home improvement loans have become popular solutions. So what to do? Well, the credit markets are loosening up quite a bit in the last few years, so you may have more options to finance… Read More »

8 Tips to Negotiate Fees When Home Refinancing

Refinancing a home loan can save you big every month, but watch out for some of the costly fees that come with that lower interest rate. Learning which fees are negotiable on a home refinance loan is essential to minimizing closing costs. Think of it this way, every dollar your save on closing costs and… Read More »

Top 5 Myths of Rising Mortgage Interest Rates

If you have monitored mortgage interest rates in the last several months, you probably know that rates have inched up considerably since the November 2016 presidential election. The Federal Reserve increased the rates in December 2016, and has indicated through the media that two more rate hikes are on the horizon for 2017. It seems… Read More »

7 Reasons Subprime Loans Will Save the Mortgage Industry in 2017

The era of subprime loans appears to be reemerging in 2017. Typically when the trend of interest rates points upward brokers and lenders start rolling out more subprime loan programs in an effort to help meet the growing financing demands of homeowners who rest “outside of the box” of mainstream guidelines. Owning a home is… Read More »

The Best Refinance Programs for People with Little or No Equity

Traditionally finding a mortgage company that provided a no equity refinance loan at a competitive interest rate was difficult. If you have little to no equity in your home, you still may be able to refinance your home, even if you have damaged credit. This can help you to get a lower payment on your… Read More »

3 Real Solutions for Bad Credit Home Loans

Americans who have poor credit have long felt shut out of the house buying market, but new bad credit home loan programs may offer opportunities that were previously unavailable. After the financial crash of 2008 and 2009, many subprime mortgage loans disappeared. With millions of Americans hindered by low score, the demand for bad credit… Read More »

How to Qualify for Bad Credit Mortgages with the FHA

Thousands of borrowers select bad credit mortgages with FHA every year. If you are shopping for a new home, you may want to consider a home loan that is insured by the Federal Housing Administration. The FHA mortgage is a good option for buyers who have low to moderate incomes, average or poor credit, and… Read More »

What Are the Minimum Credit Score for FHA Mortgage Loans in 2017?

One of the most common questions we hear all the time is: What are the FHA credit score requirements? For years there was “No minimum credit score for FHA loans.” A few years back, HUD made some guideline changes and instituted a 500 minimum credit score for FHA programs. Keep in mind that most lenders,… Read More »

How to Buy a House with Zero Down Home Loans

Buying a home with no money down allows a home buyer with little to or no deposit by using a zero down home loan that requires no down payment. These 100% financing home loans are much rarer today than a decade ago. But there are several no down payment loans you may be able to… Read More »

8 Things About FHA Home Loans You Need to Know

Years ago, FHA home loans were mostly for first time home buyers with poor credit. But since the housing bubble burst in 2008, the FHA program has become a very common way for regular borrowers to finance their home. As of 2017, millions of people finance their home purchase with an FHA home loan. This… Read More »

Things to Beware About with Online Appraisals

When you are buying a home or refinancing, you will need to have the home appraised. An appraisal is simply a complete report from a licensed appraiser that determines what the value of the home is based upon several factors: How big it is When it was built Features and amenities General condition Location When… Read More »

New High LTV Refinance Program Replaces HARP

A new 2017 high LTV refinance program was just announced to Help Underwater Homeowners as HARP is set to expire. The outlook for mortgages is still excellent in early 2017, with rates rising above 4%. Even though rates have increased in the last six months, 30 year fixed mortgages are still near historical lows. High… Read More »

Top 6 Benefits of Easy Cash Loans for Homeowners

Mortgage rates are still near record lows as of February 2017, so it is a good time to refinance if you have a mortgage at a higher interest rate. If you choose to do a cash loan by refinancing your house right now to get quick money for things you need, it could be a… Read More »

VA Loan Guide for Military Home Buyers

There are many great home financing advantages to being a military veteran or active military. One of the biggest pluses that you can enjoy is getting a VA loan with competitive interest rates, low closing costs and no down-payment required. A VA loan is guaranteed by the Veterans Affairs Administration. This means that if you… Read More »