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4 Steps To Prepare For Your New Home Purchase Loan
IntroLend
With interest rates currently at a three-year low, it is clear that home values are on the rise. This makes it a great time to purchase a home — especially for first-time buyers. However, buying a home is no cakewalk; it must be handled with great care, and you must be prepared before applying. Here are a few important tips to get you started in the right direction.
1. Pull your credit report
First, check your credit report. Then, search for a mortgage lender who lends to people with your score. Before filling out the papers for a home mortgage loan, you may want to take a peek into your credit file. Having adverse credit can not only limit the amount the lender is willing to let you borrow, but it can also cause you to pay a much higher interest rate in comparison to someone with average to excellent credit. If you have serious debts on your credit file (such as outstanding loans, bankruptcy, or a high amount of debt), this can stop you from even obtaining…
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5 Ways to Boost Your Down Payment Savings
MoneyTips
By Andrea Woroch
More Americans than ever are buying homes. In fact, a report from Zillow estimates 6.9 million existing home sales this year, the most since 2005, and projects a nearly 22% one-year gain in sales, the largest jump since the early 1980s.
If you are among the millions hunting for a home, it’s important to get a few money items in order first. One of the most important financial steps in the home buying process is saving for a down payment. However, considering 72% of prospective homebuyers said their home savings plan was disrupted by the pandemic, according to a recent report from ImproveNet, getting back on track may feel impossible.
Whether you’ve been dreaming of buying a home for years or just started thinking about it, don’t wait to start saving…
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What’s Next For 6 Million Underwater Homeowners?
MoneyTips
The housing bubble from several years ago put a significant number of homeowners in a terrible position. Due to plummeting real estate prices, the market value of their homes fell below the corresponding mortgage amounts, thus classifying these homes as “underwater.”
The government established relief programs to help underwater homeowners refinance their mortgages (such as the HARP program), and provided tax relief through the Mortgage Forgiveness Debt Relief Act of 2015. This legislation waived taxes on reductions of debt through refinancing, or forgiveness of debt incurred from a short sale or foreclosure of your house.
Normally, these debt reductions are considered taxable income. It may seem odd, but it makes sense from an accounting perspective. If a bank accepted your house for $50,00…
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What's Next For 6 Million Underwater Homeowners?
MoneyTips
The housing bubble from several years ago put a significant number of homeowners in a terrible position. Due to plummeting real estate prices, the market value of their homes fell below the corresponding mortgage amounts, thus classifying these homes as "underwater.”
The government established relief programs to help underwater homeowners refinance their mortgages (such as the HARP program), and provided tax relief through the Mortgage Forgiveness Debt Relief Act of 2015. This legislation waived taxes on reductions of debt through refinancing, or forgiveness of debt incurred from a short sale or foreclosure of your house.
Normally, these debt reductions are considered taxable income. It may seem odd, but it makes sense from an accounting perspective. If a bank accepted your house for $50,00...
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What's Next For 6 Million Underwater Homeowners?
MoneyTips
The housing bubble from several years ago put a significant number of homeowners in a terrible position. Due to plummeting real estate prices, the market value of their homes fell below the corresponding mortgage amounts, thus classifying these homes as "underwater.”
The government established relief programs to help underwater homeowners refinance their mortgages (such as the HARP program), and provided tax relief through the Mortgage Forgiveness Debt Relief Act of 2015. This legislation waived taxes on reductions of debt through refinancing, or forgiveness of debt incurred from a short sale or foreclosure of your house.
Normally, these debt reductions are considered taxable income. It may seem odd, but it makes sense from an accounting perspective. If a bank accepted your house for $50,00...
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4 Top Myths Surrounding VA Loans
MoneyTips
Home sellers and their agents may be limiting their potential base of buyers by ignoring a growing pool of them. Mortgage industry software company Ellie Mae reports that loans acquired through the Veterans Affairs (VA) Department account for 10% of all primary insured home loans.
It is easy to see why VA backing is preferable from a buyer’s point of view. If you qualify, you can purchase a house with no money down (up to a particular loan limit that varies by market) and no Private Mortgage Insurance (PMI) requirement. Yet, sellers shy away from buyers with VA loans, and seller’s agents may serve as a screen to exclude VA-backed offers from ever reaching the seller.
Why is this so? It makes little sense, since the risk of default is borne by the lending institution and not the buyer. In addition, foreclosures …
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VA Loans 101
MoneyTips
Veterans Affairs (VA) loans are invaluable for homebuyers. Their advantages include little or no money down, qualifying with a lower credit score, competitive interest rates, potentially lower closing and auxiliary costs, and no private mortgage insurance requirements.
VA loans are administered through approved lending institutions and backed through an entitlement of up to $36,000. This entitlement can guarantee a home loan of up to 484,350 without a down payment and possibly higher in some high-cost counties.
You may qualify for a VA loan if you're an active duty service member, a veteran in good standing, a current or discharged National Guard or Selected Reserve member, a spouse of a service member who died on active duty, or a spouse of a veteran who died as a result of military service. Your lender will require a Certificate of Eligibility, which requires different evi...
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If you won a car and need a loan, but struggle …
If you won a car and need a loan, but struggle with bad credit, our Go 2 Title Loans Miami, FL location offers fast and affordable car title loans throughout Miami Florida. With a reliable auto title loan, you can obtain funds fast simply leveraging the equity from your car. Fill out a quick online application to qualify for your car title loan in Miami today…
Go 2 Title Loans
10800 Biscayne Blvd #12
Miami, FL 33161, USA
(786) 724-1329
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Avoiding Mortgage Scams
MoneyTips
If it sounds too good to be true, it probably is. That’s sound advice for almost all aspects of life, including the search for mortgage relief services.
Distressed homeowners don’t have to resort to third-party mortgage services. Free counseling is available at the Department of Housing and Urban Development (HUD). HUD programs such as the Home Affordable Refinance Program (HARP) can allow qualified homeowners to refinance their home at more favorable terms.
If you don’t qualify for any HUD programs, you can work directly with your lender or consult with third-party mortgage counseling services. However, you must be careful to distinguish legitimate mortgage services from scammers. Scammers are adept at taking advantage of desperate homeowners for their own gain without providing any assistan…
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Avoiding Mortgage Scams
MoneyTips
If it sounds too good to be true, it probably is. That’s sound advice for almost all aspects of life, including the search for mortgage relief services.
Distressed homeowners don’t have to resort to third-party mortgage services. Free counseling is available at the Department of Housing and Urban Development (HUD). HUD programs such as the Home Affordable Refinance Program (HARP) can allow qualified homeowners to refinance their home at more favorable terms.
If you don’t qualify for any HUD programs, you can work directly with your lender or consult with third-party mortgage counseling services. However, you must be careful to distinguish legitimate mortgage services from scammers. Scammers are adept at taking advantage of desperate homeowners for their own gain without providing any assistan…
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Avoiding Mortgage Scams
MoneyTips
If it sounds too good to be true, it probably is. That's sound advice for almost all aspects of life, including the search for mortgage relief services.
Distressed homeowners don't have to resort to third-party mortgage services. Free counseling is available at the Department of Housing and Urban Development (HUD). HUD programs such as the Home Affordable Refinance Program (HARP) can allow qualified homeowners to refinance their home at more favorable terms.
If you don't qualify for any HUD programs, you can work directly with your lender or consult with third-party mortgage counseling services. However, you must be careful to distinguish legitimate mortgage services from scammers. Scammers are adept at taking advantage of desperate homeowners for their own gain without providing any assistan...
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Video: How To Get Lower Mortgage Insurance Premiums
MoneyTips
Is your mortgage lender insisting you get mortgage insurance? In our exclusive video above, Mortgage Advisor Casey Fleming explains how your premiums will be calculated and shares tips on how to get the lowest premiums possible. The higher your credit score, the lower your premiums will be.
You can check your credit score and read your credit report for free within minutes using Credit Manager by MoneyTips.
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All About Real Estate Disclosures
MoneyTips
You want to know exactly what you are getting when you make any large purchase, especially when you are buying a home – the largest purchase that many Americans will ever make in their life. That’s why a real estate disclosure statement is a fundamental part of any real estate transaction.
By law, home sellers must provide a disclosure statement in writing regarding the condition of their home. The contents of disclosure statements vary by state and municipality, but they must disclose known hazards and defects of the home, as well as any important information that may affect the seller’s decision.
As a seller, you must make sure that you compile a thorough list of disclosure items. Your agent should be able to help you determine if each item must be disclosed.
Sellers are not required to search for any unknown defects, but failing to disclose a reasonab…
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4 Steps To Prepare For Your New Home Purchase Loan
MoneyTips
With interest rates currently at a three-year low, it is clear that home values are on the rise. This makes it a great time to purchase a home — especially for first-time buyers. However, buying a home is no cakewalk; it must be handled with great care, and you must be prepared before applying. Here are a few important tips to get you started in the right direction.
1. Pull your credit report
First, check your credit report. Then, search for a mortgage lender who lends to people with your score. Before filling out the papers for a home mortgage loan, you may want to take a peek into your credit file. Having adverse credit can not only limit the amount the lender is willing to let you borrow, but it can also cause you to pay a much higher interest rate in comparison to someone with average to excellent credit. If you have serious debts on your credit file (such as outstanding loans, bankruptcy, or a high amount of debt), this can stop you from even obtaining…
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7 Signs That You’re Ready to Buy Your First Home
MoneyTips
For years, you have been dreaming about buying your first home and now you are debating taking action. Are you ready to enter the home buying market? Consider these seven signs before taking the plunge.
1. Having Job Security – Mortgage loan approvals require a steady regular income. Is your employment situation secure enough that you can commit to buying a home? Being out of work is bad enough, but being out of work with a brand new mortgage is disastrous.
2. Commitment to the Area – Generally, realtors recommend that you plan to stay in a home for a minimum of five to seven years. If your situation is still fluid, buying may not be for you. Buying a home is a long process, and you do not want to have to sell one in a rush soon after a purchase. Most of your pa…
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Video: Fixed-Rate Vs. Adjustable-Rate Mortgages
MoneyTips
What is the difference between a fixed-rate mortgage and an adjustable-rate mortgage? Which is a better choice for you? Watch C2 Financial Mortgage Advisor Casey Fleming explain which mortgage type is best under different circumstances.
MoneyTips is happy to help you get free mortgage and refinance quotes from top lenders.
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Video: Fixed-Rate Vs. Adjustable-Rate Mortgages
MoneyTips
What is the difference between a fixed-rate mortgage and an adjustable-rate mortgage? Which is a better choice for you? Watch C2 Financial Mortgage Advisor Casey Fleming explain which mortgage type is best under different circumstances.
MoneyTips is happy to help you get free mortgage and refinance quotes from top lenders.
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