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Category: FHA Loans

Senior Citizens Can Be Successful at Getting Mortgages

FHA Loans · Understanding Mortgages

Senior Citizens Can Be Successful at Getting Mortgages

January 18, 2022

A couple in their mid-70s just recently purchased a home and got a mortgage to move closer to their children and grandchildren. They decided on Home Equity Conversion Mortgages (HECM) […]

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Payment Difference between FHA and Conventional 97 - Conventional 95

Ask Tim · Conventional Loans · FHA Loans · Private Mortgage Insurance

FHA vs Conventional Loan: Which Is Better?

September 29, 2021

Q: I have good credit of about 730. I meet the requirements for both FHA and Conventional 97. I plan to live in the home for 6+ years. Which has […]

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Conventional Loans · FHA Loans · Home Buying

Down Payment Gift Money for First-Time and Repeat Home Buyers

August 13, 2021

One thing you should know as a first-time or repeat home buyer is that mortgage lenders allow financial gifts to be used toward the down payment on a house.  Gift […]

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Buying a home with less than 20 percent down

Conventional Loans · FHA Loans · USDA Home Loans · VA Home Loans

Get A Mortgage With Less Than 20% Down

August 6, 2021

Low Downpayment Mortgage Options Many home buyers believe they need a 20% downpayment to buy a home. This misconception could stop buyers before they start, and cost them years of […]

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FHA Loan Down Payment The Complete Guide

FHA Loans · Home Buying

FHA Loan Down Payment: The Complete Guide

May 13, 2021

With an FHA loan, nearly all borrowers will be able to pay as little as 3.5% of the home’s purchase price as a down payment.

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Mortgages for buying a fixer upper

FHA Loans · Home Buying · Understanding Mortgages

Buying a Fixer Upper: What Kinds of Fixer Upper Loans are Available?

March 5, 2021

There are quite a few loan options available to buy fixer-upper homes. “By buying a fixer-upper, you can definitely increase the value of the home as it appreciates and as […]

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Remove a Co-borrower with an FHA Streamline Refinance

Ask Tim · FHA Loans · News · Refinance

Can I Use an FHA Refinance to Remove a Borrower?

February 12, 2021

The FHA streamline refinance allows borrowers to reduce their rate with no pay stubs, no W2s, and no appraisal. But is an FHA streamline possible while simultaneously removing a borrower […]

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What if the home does not meet FHA Minimum Property Standards (MPS) and selling as-is?

Ask Tim · FHA Loans

What if the home does not meet FHA Minimum Property Standards (MPS) and selling as-is?

February 10, 2021

What happens when a property is being sold as-is and the seller will not do repairs but the home doesn’t meet FHA minimum property standards (MPS)? How does the buyer […]

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80-10-10 piggyback mortgage

Conventional Loans · FHA Loans · Home Buying · News · Private Mortgage Insurance

Piggyback 80 10 10 Loans Will Save You Money in 2022

January 28, 2021

An 80 10 10 loan is a mortgage option in which a home buyer receives a first and second mortgage simultaneously, covering 90% of the home’s purchase price. The buyer puts just 10% down. This loan type is also known as a piggyback mortgage.

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Rehabbing a home with an FHA loan

FHA Loans · Home Buying

FHA 203k Loans: How Does It Work? | Requirements 2022

January 27, 2021

Have you found a home that you love, but it’s in bad shape? The 203k loan may be a perfect way to purchase a home that is a little rough […]

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