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Kings Bay Saint Marys & Kingsland Georgia - Affordable
Home Mortgages
Buying a home is usually the largest purchase any of us will
make in a life time. When choosing a home, you want to find one
that suits your families needs best. Take the same steps when
choosing a mortgage company!
When you are looking for a mortgage company, do your homework!
Interview the loan officer and ask him what he or she has to
offer you in terms of savings, interest rates and mortgage loan
products.
Ask for a Good Faith Estimate of Settlement charges. Ask the
lender if there is a lock fee and for how long?
A good lender should discuss with you the different programs
that they offer. Most lenders offer VA, FHA and Conventional
mortgage financing. You should discuss with the lender your
future plans, such as how long you plan to live in the home. This
will help them determine if a fixed rate or an adjustable rate
mortgage works best for you.
With interest rates still at record low, most homebuyers are
taking a fixed rate mortgage if they plan on living in the home
more than 3 years. Adjustable rate mortgages have many different
terms that the rate is fixed, 1, 3, 5 and 7 years are the normal
terms that are offered. Fixed rates assure you that the rate is
fixed for the entire term of the loan. Loan terms offered are
usually 15 or 30 years, however 10, 20 and 25 years are also
available.
Choosing the right mortgage company will help you make an
intelligent decision and make the transaction go a lot
smoother.
Choosing the wrong mortgage company can result in higher
rates, terms that you didn't understand and overall stressful
experience.
If you would like to know more, please visit my website. My
website contains loan payment tools and calculators to help you
understand more about what you can afford. You can also apply
online. My contact information is on my website. Please feel free
to visit us at www.thebestmortgageguy.com
Glenn Keller is a veteran in the mortgage industry and is
associated with Affordable Home Funding at 1204 Hospitality Ave.
Kingsland, Georgia 31548. For contact information, please visit
our website at http://www.thebestmortgageguy.com
 MORE RESOURCES updated Thu. February / 09 / 2012
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New HARP Could Help Up to 6.7 MillionNASDAQOther changes to the program were designed to make it easier for homeowners with private mortgage insurance (PMI) to refinance or to obtain a HARP mortgage refinance with a lender other than their current mortgage servicer. In addition, new limits were ...and more » |
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RELATED MORTGAGE AND REFINANCING ARTICLES:
Top 10 Things to
Consider on Home Loans
Here are our Top 10 most important things to consider when
shopping for a Home Loan, Equity Line of Credit, or
Refinance, courtesy of
Loans-Directory.Org:Down-PaymentFixed Versus Adjustable
RateAPRLoan TypesLoan Amount Qualification, IncomeLoan
Amount Qualification, ExpensesEmployment and Credit
HistoryPointsSub-Prime LoansShort-Forms1.
FHA Mortgage: When Your
down payment is a Gift
There has been so much fraud discovered in the FHA program
allowing gift funds for down payment that Lenders and
borrowers are required to absolutely document every step of
the gift transaction to prove it was legitimate. Here's how
it works: FHA allows the required down payment to be a gift
from someone who would logically be concerned about housing
for the borrower.
What Are Mortgage
Brokers And Why To Use One
"Mortgage" is formed from two words: the French word "mort"
meaning "dead" and the word "gage" from Old English meaning
"pledge". Sir Edward Coke (who lived from 1552 to 1634)
explained the term: the land as considered "dead" to the
mortgagor, as if the person never had it.
Flexible Mortgages -
Offering Relief from the Fixed Mortgage
A pension mortgage may seem lucrative at the first sight.
However, they seldom are, if the customers who took pension
mortgage are to be believed.
Private Mortgage
Insurance (PMI)
If your down payment on a home is less than 20 percent of
the appraised value or sale price, you must obtain private
mortgage insurance, known as PMI, with your lender. This
will enable you to obtain a mortgage with a lower down
payment because your lender is now protected against any
default on the loan.
How To Find A Mortgage
With Bad Credit
Shopping online for mortgages ought to be trouble free,
even should you have poor credit or no credit score. You
can nonetheless find a bad credit lender that can
facilitate you.
Home Equity Increases $1
Trillion in Five Years - Is the Market Peaking?
A new survey reveals that in the last five years, the
equity in the California real estate market has increased
by more than one trillion dollars. A trillion dollars is a
large number to ponder, but put in concrete terms, it can
be represented by a stack of one hundred dollar bills that
is six hundred thirty one miles high! This astronomical
increase in California home values isn't all that unique,
however.
Bad Credit Mortgage
Refinance - Should I, Shouldn't I?
It is a common financial scenario across households in the
Western world. Multiple debts have started to build up: a
car loan here, a department store loan there; a bank loan
here and several credit cards there.
Look For a Great
Mortgage Online
People who are looking for a mortgage today have many more
options than those who were searching for a mortgage a few
years ago, thanks to the Internet. Consider how technology
has changed the way we do many things, including shopping
for products and services - including loans and mortgages.
First Time Home Owner
Mortgage Loans
First time home owners are sometimes surprised at the
complexity of the mortgage lending process. If you are
searching for a mortgage and you have never owned a home,
there a few things you can do to make the mortgage process
less confusing.
Thinking About
Refinancing Your Loan?
Refinancing your home or property is a big decision that
could drastically affect your financial future, for the
good or the bad, depending on how smart you go about the
process. Take the time to explore all of the different
refinancing options you have available to you.
Be Prepared With Your
Home Equity Loan Checklist
A home equity loan can be an excellent way to obtain money
in order to pay off high interest bills or consolidate your
current debt into one monthly payment. A home equity line
of credit is a form of revolving credit in which your home
serves as collateral.
Unlock your Home Loan
Piggy Bank
With the recent sharp increase in property values your
current home could be a pot of gold. Property prices have
increase about 20% - 30% over the past year but according
to economists this current boom will not continue or much
longer despite recent changes in property taxes announced
in the budget speech.
How to Find the Best
Mortgage
The purchase of a new home is one of the most important
decisions you will ever make, and finding the best type of
financing for you is crucial. Mortgage financing is a very
competitive industry and lenders are currently offering
extremely low interest rates and a variety of flexible loan
programs.
Understand a Real Estate
Appraisal
Happy New Year. Make a difference this year.
Home Mortgage Rate
Shopping - Why Some Shoppers Give Up And Others
Don't
About 29% of current homeowners and a much larger percent
of consumers with income levels above $50,000 feel it best
to stay as far away from offers to finance or refinancing
their home as possible. And this seemly for good reason.
Home Loans: What You
Should Know!
Finding home loans can be a daunting task, whether you're a
first time home buyer or an existing homeowner. The good
news is that there are more options than ever to help you
find the loan that's right for you.
13 Extra Costs to be
Aware of Before Buying a Home
Whether you're looking to buy your first home, or trading
up to a larger one, there are many costs - on top of the
purchase price - that you must figure into your calculation
of affordability. These extra fees, such as taxes and other
additional costs, could surprise you with an unwanted
financial nightmare on closing day if you're not informed
and prepared.
Your Mortgage Rate
Compare and Save
When trying to obtain the best mortgage rate compare offers
from several lenders or brokers. Know how much of a down
payment you can afford, and find out all the costs involved
in the loan.
Do Your Homework - Find
the Mortgage That Fits Your Lifestyle and Your
Budget
You've been looking at houses for months, and finally
you've found it--the house that's just right. So now, all
you have to do is to purchase your new home, move in, and
get settled, right? Not quite.
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