How to get mortgage ready: October 2014

Thursday, 30 October 2014

Buying a New Home: Important Steps to Take

Buying a New Home: Important Steps to Take
By Louise Ferreras

Buying a home can be a stressful process, but it can also be a very exciting time. Working with a Realtor may relieve some of the stress that prospective home buyers may have. Realtors will help their clients find homes and communities that suit their needs and desires.

There are many things to take into consideration when looking for the perfect new home. Before buying a home, it is very important that prospective home buyers are planning to "stay put" for a while. Buying a home is a huge commitment. If an individual plans to move within the next 2 or 3 years of buying a house, they should be aware that they may end up losing a lot of money, even if the market is rising. Making sure your credit is up to par is also important to do before searching for a home. Unless you are among the incredibly fortunate, a mortgage loan will be needed; however, for an approval and a low-interest rate, an individual will have to have a good credit score.

Home buyers will likely need a credit score of 650 or higher to be approved for a mortgage loan. Along with mortgage lenders checking credit score, they will also check payment history, salary history, and the current wage of those seeking a loan. With all this taken into consideration, a mortgage lender will then decide the loan amount that an individual will be able to afford. The rule of thumb that people should use when finding homes in their budget is to take their annual salary and times it by 2 and a half.

Using online mortgage calculators may also be beneficial. The easiest way that home buyers will know what houses are in their budget is getting pre-approved for a loan amount. This will also put home buyers in a position where they are able to put down a solid offer on a home. Although it is very helpful to be able to have a 20% down payment, this is not necessarily mandatory. For first-time home buyers, government grants may exist. Some mortgage lenders will also still offer low-interest mortgage loans and may only require a small down payment.

For individuals that have a family or are looking to start a family, it's important to buy a home in an area that has good schools. This includes public schools and private schools that are in the district. Even if the home buyers don't have any children living at home, buying in a neighborhood that has a quality school district will be very beneficial if and when they decide to sell their home to another family. Property values are higher in areas that are located within strong school districts. Most importantly, before an offer is put on a home, prospective home buyers should hire an inspector. An inspector will be able to give you an idea of any repairs that may need to be done in the future and how much they will cost.

Looking for homes to buy like http://www.laxcommunities.com/locations/bretridge-community-easton-md/ can be a fun and exciting adventure for first-time home buyers and experienced home buyers alike. Visit Lacrosse Homes in Delaware to learn more about the services offered.

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Advantages of Home Loan Equity for New Homes

Advantages of Home Loan Equity for New Homes
By Gert Martens

Home equity is how much you contributed for your home which is obviously debt and loan-free. It is your share of the value of your home. A home equity loan, on the other hand, is kid of a second mortgage, the first being the one you used to purchase your home. Home equity loans allow the owners of the house to borrow money by leveraging the equity in their homes.

Two varieties can be generally recognized in home equity loans namely "fixed-rate loan" and "line of credit". The terms for both the kinds usually range from 5 to 15 years and in either cases if the house of interest is sold, the loans must be fully repaid.

Home equity loans not only attract the lenders but are equally interesting for the borrowers holding benefits for both the groups. The most common advantage is the low interest rate or ARP as compared to those on credit cards and other consumer loans.. Also the interest loan can be tax deductible and borrowers can usually qualify for a comparatively larger loan with this kind of loan.

The authenticity or rather surety of these benefits is confirmed by the involvement of the band, which can take over your property in case of any unpaid funds. It sells you property and undoes the damage. As a result of this, these loans become a priority of the borrowers since they do not want their property to be sold out.

The lenders or let's say the banks also have to make sure that they do not lend such an high amount which becomes difficult to repair so they have fixed the loan to round about 85% of your house value keeping in consideration any home equity loan you have applied for and your original purchase mortgage.

Being an easy source of cash, the consumers find themselves at a great benefit initially. Most of the consumers consolidate their debts with home equity debts, getting a single payment, low interest rates and the even greater tax benefits.

For lenders, it can simply be explained as a dream come true aiding them to earn even greater fees and interest after earning it on the initial mortgage of the borrowers. If the borrower in any case, fails to return the loan, the lender gets to keep all the money earned on the home-equity loan as well as that earned on initial mortgage.

The advantages for the lender do not just end here. He can also repossess the property and repeat the same cycle with a new borrower, selling it all over again. In easier words, the lender can enjoy the benefits over and over gain from the same piece of property, which is one appealing opportunity.

Most of the borrowers fail to recognize the most frequent pitfall of the home equity loan. They find it an easier solution to escape from the already mounted up debts, failing to realize that they are actually sinking deeper into debt.

Lenders call this entire scenario "reloading" which is defined by them as a habit of paying of existing debts by taking another loan and freeing up additional credit which he then uses to make some additional purchases. To avoid these pitfalls of reloading it is always recommended to double check your financial status and situation before you opt for borrowing loan against your home. You must be fully aware of all the terms and be sure that you would find a means to pay it off at appropriate time.

Gert Martens is a mortgage associate who works for Dominion Lending Centres. Dominion Lending Centres is a comparison website which lists Canada's largest banks, credit unions, trust companies and financial institutions. They are able to have financial services from the institutions that are only available through the website. Dominion Lending Centres offers a product line that is usually only available to mortgage professionals and their clients. They are well equipped to make sure their customers are able to get the home of their dreams. They can do this through a low interest rate mortgage product line and using the best technology, paired with staff members that are trained to the highest ability. You can visit their website at http://www.gertmartens.ca

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Mortgage Loan Insurance: Is It Worth It?

Mortgage Loan Insurance: Is It Worth It?
By Gert Martens

If you have been in Canada for a considerable amount of time, you may be familiar with the fact that if you fail to bring the twenty percent down payment, you are not going to be able to apply for the conventional mortgage and are going to have to pay the mortgage loan insurance in order to make yourself eligible for the application.

It should go without saying that Mortgage loans and housing corporation (CMHC) is one of the finest option for mortgage loan insurance which is to protect a particular bank from you. It is an implication of the fact that even if you fail to pay your mortgage at the required time, the bank would no longer be able to sell your property since the insurance will cover the rest of the amount that you owe.

There is no argument over the fact that mortgage insurance is primarily premised on the fact that it protects the banks, however, it does also provide a number of benefits to the home owners in Canada as well.

The Canadian mortgage loan insurance has an average range that lies somewhere between .5 and 2.9 percent of the overall mortgage. It is to be kept in mind at all times that the rate is entirely dependent on the investment that you can make in the name of a down payment.

The higher the down payment that you are willing to pay, the lower is going to be the insurance rate. In order to give you a better idea, it is of prime importance to mention that if you are willing to come up with a fifteen percent down payment, the rate of insurance is going to be a measly two percent as against the 2.9 percent that you are going to have to pay if you come up with a down payment of only five percent.

Since you must be wondering about the conditions that you are required to fulfill before you can apply for the Canadian mortgage loan insurance via CMHC, it is too indispensable to mention here that while the list of conditions which are to be met are quite a bit, however, some of the conspicuous conditions may include and are not confined to the following:

• You must own a house located in Canada

• You must be willing to pay at least five percent of the overall price of the property as a down payment

• The total monthly housing cost of yours should not be higher than thirty two percent of the gross income of household

• The total debt load that you hold must not be over forty percent of the gross income of household

In the light of the above mentioned information, it is only fair to conclude that Canadian mortgage loan insurance is one of the most commendable options for people who are running low on budget and are unable to come up with the required down payment that makes you eligible for the conventional loan.

The insurance will make sure that you are able to get yourself eligible for the Canadian mortgage loan with a remarkably reduced level of down payment. With such benefits at your disposal, it is highly unlikely that you are going to regret making the decision of going for the mortgage insurance.

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Buying A House - Where Do I Even Start?

Buying A House - Where Do I Even Start?
By Gina S Soldano

1. Where do I even start?

I recommend you start with a REALTOR�. A REALTOR� can help you with your decision and when you are ready to buy they can help you find your home, get your paper work in order, and guide you through the entire process from searching to closing.

Myth: It is better to work with several agents than just one.

In fact, as members of the MLS (Multiple Listing Service) we are all privy to the same information. Working with one agent will allow them to get to know exactly what your needs are and make it easier to get you into your ideal home.

2. Should I rent or buy?

This is a common question and the answer may be surprising. It is not always better to buy. I know - shocking. In reality the deciding factors will be your financial ability not only to pay a mortgage but also to maintain a property, your desire to be responsible for the upkeep of a property, and your willingness to stay in one place for a long period of time. An apartment is a lot more flexible in all three of those areas.

Myth: Homeownership makes you more stable.

Seriously? What will make you more stable is being responsible in knowing what is right for you at any given time.

3. How much house can I afford?

This is something I strongly recommend. Before you even begin to look at properties get the pre-approval process started. You will know how much house you can afford and you can deal with any surprises that pop up. It is also sometimes a deciding factor for sellers when there are multiple offers presented.

Myth: I do not need a Lender to tell me how much I can afford- I should know.

Yes you do. You may not know what the requirements are or the formula they will use to approve you for a loan.

4. What do I need to obtain a mortgage?

Every Lender has their own specific requirements as to what you will need. It is also based on the guidelines of the particular loan program you have chosen. There is a broad array of loan programs available including Federal, State, and in-house products offered by the Lender. Generally speaking you will need a decent credit history, proof of income, taxes for the last 2 years, and a verifiable source of your down payment. The Lender will give you a list of all the documentation they need from you. It is important that you provide it to them in a timely fashion to avoid any problems.

Myth: I will need excellent credit and at least a 20% down payment.

As I have stated there are a lot of loan programs available and each has their own set of requirements some of which include a lower down payment and a decent credit score (not necessarily excellent).

5. What happens when I find the house I want?

Your REALTOR� will prepare and present an Offer on your behalf to the seller. Once accepted you arrange for an Inspection of the property. If everything is as expected you then sign a Purchase and Sale agreement. After signing the Purchase and Sale agreement you formally finalize your application with your Lender and wait for their approval. The closing is usually within 30 to 60 days of the accepted Offer.

Myth: Things will go smoothly once the mortgage is approved by the bank.

Let me just say that I wish this was not a myth. Most of the time, at this point in the process, things do go along and the closing falls into place without a hitch. However, there are times when something unknown or unforeseen causes the deal to go awry. If it does happen hopefully all of the preparation done up to this point will mitigate the situation

This article gives you a general look into the buying process. To be more prepared I would recommend, if you are a first time buyer, that you attend a First Time Buyer seminar. I also recommend that you look for a professional you would be comfortable working with to find your home. A REALTOR'S� expertise will alleviate a lot of the anxiety that inevitably shows up during the process.

By Gina S Soldano, AHWD, e-Pro�, SFR�, REALTOR�

Http://www.gsoldanorealtor.com

gina.soldano@era.com

ERA Millennium Real Estate

Published: October 8, 2014

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The Benefits Of Using A Mortgage Broker When Buying A Property

The Benefits Of Using A Mortgage Broker When Buying A Property
By Anthony Noel Brown

Before, prospective home buyers usually turned to banks for their mortgage needs. But today, home buyers already have lots of options at your disposal with the growing presence of mortgage brokers. Know that an independent broker is a licensed individual who have full access to lots of lenders and mortgage rates. Indeed, they can negotiate the lowest rate for you. And since they get high quantities of mortgage products, they can actually pass volume discounts directly to you.

Other Benefits Of Using A Mortgage Broker

You can save a significant amount of your money - Basically, if you are comparing lots of home loans from dozens of lenders, you are most likely to identify the best deals you can get, most especially in terms of interest rates and fees. With this, you can certainly save money.

Less chance of refusal - In case you have been refused a mortgage by a lender, it does not mean that not all lenders will refused you as well. You must be aware that knowing what lenders are more lenient and what they are very strict will require more than just comparing their websites. It is worth mentioning that all lenders have various credit policies and restrictions regarding who they will lend to. If you choose a broker who has extensive knowledge on lender policies, you can considerably reduce the risk of being refused.

You can save time - You must know that this professional will perform all the necessary legwork on your behalf. This will include liaising with conveyancers, real estate agents, builders, lenders, and settlement agencies.

You will have a peace of mind - If you find an excellent and reliable broker, you must stick with him or her. This professional will surely look after you for the life of your loan. Most importantly, he or she will ensure that you are always in the best possible position. He or she will also stay in contact with you to check if you do have the right mortgage from the right lender.

Avoid certain pitfalls - If you get the right advice and guidance, you will fully understand what exactly you are signing up for. In other words, you will be fully aware of everything you must know.

Hassle-free - This professional will work hand-in-hand with home loans and lenders every day of the week. Choosing the right professional will certainly assure that the entire process will go smoothly and successfully.

To learn more about the advantages of getting expert help when buying a property, check out this site.

There are many benefits of hiring an expert when buying the property you want. More information mentioned here.

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Tips on How to Write a Home Loan Hardship Letter

Tips on How to Write a Home Loan Hardship Letter
By Liz Servito

You are struggling with your home loan payments and you have decided to ask your loan provider for a mortgage modification to reduce the terms of your loan. In such case, you should approach the home loan company asking for their cooperation by presenting an outline of your reasons for such request. A home loan hardship letter elaborates your present financial situation.

Here are some helpful tips on how to write a home loan hardship letter:

1. Contact the mortgage company and as for the home loan modification department. Request for the name, contact information, and address of the manager assigned to your mortgage. Make sure the spelling is right. At the top of your home loan hardship letter, include your contact information as well as your loan number.

2. Write in a formal style and express what you are requesting for, whether it is interest rate or a reduction in your loan balance. Provide a history or record of your on-time payments prior to your financial difficulties at present. Let the manager know that you really want to keep the property and you're willing to make sacrifices for it. Request for a short-sale approval and provide explanation as to why such is better for you, as well as for the loan provider, as it could avoid very pricey foreclosure.

3. Describe your circumstances which resulted in late payments: you lost a source of income, you lost your stable job, or your ARM or Adjustable Rate Mortgage has risen beyond your capacity to pay. Explain how your savings are drained, maybe because you've become a victim of a swindler financial company, your pension was gone, or your investment plan has gone wrong.

Provide your employment history which shows that you have worked hard and that your present situation are not ordinary as your credit history proves your diligence before your financial struggles.

4. Outline the special situations which require that you stay in your current house: an elderly parent resides nearly who needs your regular care, or a special or disabled son or daughter attends a local school which caters to his or her special needs.

5. Explain your plan on how you can recover from your financial hardship: you are looking for a second job, or close relatives are willing to assist with expenses.

6. Try not to be exaggerated in expressing your current despair and worries, but make sure you let your lender know that you are presently in a very difficult situation and are doing everything to overcome it.

To get free advice on home loans or other financial matters, such as banking and credit, visit Consumer Credit Legal Service by following the links provided: http://cclswa.org.au/topics/financial-counselors/.

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Home Loan Offset Account

Home Loan Offset Account
By Frank Zelasko

What is a Home Loan Offset Account?

It is one of the most powerful ways to save you hundreds of thousands of dollars over the lifetime of your mortgage.

A "100 percent offset account" can sound too good to be true. You cannot be more wrong. With it, you will be able to have every cent of your money working for you to:

>> Reduce your mortgage

>> Rather than sitting idly in your cheque or savings account

If you decide to put as much of your spare cash as you can into the account, and keep it for as many days as possible each month then:

>> Your loan repayments can be reduced, because your savings are bringing down the interest incurred, and

>> In effect "offsetting" the cost of your home loan

How does it work?

It is important to know how to use the account effectively. The concept of how the account works is best explained in the following example. The example assumes:

>> You have a loan balance of $100,000, and

>> You have an offset transaction account with a balance of $10,000

So what does this mean? From the example illustrated above the lender/credit provider will calculate the interest payable on $90,000 ($100,000 less $10,000 = $90,000), which means:

>> Your repayments will help to reduce your loan balance, and

>> Ultimately your mortgage will reduce much faster

Why Should I get an Offset Account?

If you decide to use an offset account to its full potential, you will benefit by:

>> The long-term savings, and

>> The shorter mortgage life of your home loan can be highly rewarding

So, if you have savvy money skills and can live between pay cheques, you will find it to be very beneficial.

Are there any different types of Home Loan Offset Accounts?

Yes, there are two types of the accounts available, these are:

>> A full offset account, which is when the interest rate on the credit funds is the same as the rate on the borrowed funds, and

>> A partial offset account, which is when the interest rate on the credit funds is less than the borrowed funds

Can I Start with my Wage?

Yes, you can start by sending your wage directly into your chosen transaction account. So even if you find it hard to save, the money you earn is immediately reducing the interest you pay on your loan.

So, next time you apply for a home loan, don't forget to contact a lender/credit provider that offers offset account to its clients.

Singh Finance's expert finance brokers will help you in finding the best home loan packages. Call on 0424 190 908 for obtaining quick approval on different loan packages like low document home finance and bad credit home loans.

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Need a Loan? Consider Getting a Mortgage

Need a Loan? Consider Getting a Mortgage
By Andrew Stratton

If you are currently in the market for a new home, you may be worried that you will not be able to afford it. If that's the case, you are not alone! If you want to move into your new home soon, look into getting a mortgage, a type of loan in which you use a piece of property as your security. Often, the property you use will be the new house that you just purchased. If you're not sure where to go for these types of loans, visit your banking institution. In the meantime, let's take a look at a few mortgage varieties.

Adjustable Rate

These types of loans save you money from the beginning. Basically, the interest rate on your loan is set for the first three to five years. At the conclusion of this initial period, your interest rate is adjusted based on the current market conditions, and your payment fluctuates. These loans operate on the assumption of a 30-year period, and the amount of fluctuation that can occur at each adjustment is capped off in order to ensure your financial protection and peace of mind. This is also a good way to become qualified to obtain a larger loan.

Fixed Rate

Unlike the previous type of loan, fixed-rate loans do not fluctuate. As the name suggests, they stay fixed, and your monthly payments and interest rates will never change during the term of the loan. This gives the consumer protection from market instability that may occur. Interest rates for your type of home could change drastically, but if you are already locked into your loan, you are safe from that change. You will also be able to choose the length of the loan term in this option; terms typically range from 10, 15, 25, or 30 years.

Construction and Permanent Financing

This loan option is for people who are looking to contract a company to build their home. This is the easiest way to secure construction and financing in one step. Permanent financing is a real time saver, and more importantly for someone who is building a new home, it is also a real money saver. When submitting an application for a loan of this type, you will have the choice between a fixed- or adjustable-rate mortgage, and when it finally comes time to close, you will find that your closing costs are also significantly reduced as well.

Can't Afford It?

If you qualify, you can get in on the low- and moderate-income programs designed for people who might not be able to comfortably make traditional payments. The rates in these programs are up to twenty-five percent cheaper than traditional loans. You will be able to purchase a home with as little as twenty percent down, and there will be no application fee. These programs are only available in certain areas, so find out if you qualify for one of these mortgages.

Due to the volatile nature of the housing market, mortgage rates will fluctuate from neighborhood to neighborhood, town to town, and state to state. Some places are more expensive than others to live in. Do your research, and find out where your best loan options are.

When considering options for a mortgage, New Jersey residents can find out more by visiting http://www.somersetsavings.com/home/loans/mortgage.

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Benefits of Paying Off Your Mortgage Early

Benefits of Paying Off Your Mortgage Early
By Cerkez Lena

The invention of mortgage loans has made great contributions towards offering people the opportunity to purchase their homes, however it can come at a great cost. While mortgage loans are commonly generated by mortgage companies, and held for the life of the loan, others are sold off to banks. You do not hold a title to the house until the mortgage loan is paid off. The price you pay for the privilege of having a mortgage loan is the form of interest expense. The terms of a mortgage loan can range anywhere from 5 to 30-years, with interest rates of 3% to 5%.

Most individuals will get a loan that contain 30-years payback terms, by which time ownership title of the home will be release to you. I would like to share and demonstrate how paying a little extra each month will cut not only the amount of interest you pay to the bank, it will also cut down the payback timetable. Consider that a home loan of $225,000 with a 3.75% with 30-year term will end up costing you around $375,123.63 at the end of 30-years, with a monthly mortgage of $1,041.01 per month, excluding home insurance, mortgage insurance, and property taxes. You would have paid of the initial principle of $225,000, as well as $150,123.63 in interest to the bank or mortgage company.

The simplest way to cut down the payback period, and interest you pay to the bank is by making extra payments each month. Putting $100 extra each month after the first year would cut your interest expense down by $23,223.79 over the life of the loan, as well as take you payback period down from 30-years to just under 26-years. This puts the power of that extra $100 per month in perspective, and the impact that it can have over a long-term period. If instead of $100 you decide to make an extra payment of $200 per month, you would save $39,680.04, and cut down your payback period from 30-years, down to just under 23-years.

The extra payments are applied directly to reducing the principal payment, so the lower the principal the lower the interest that is charged by the bank. By making an extra monthly payment of $200, you are able to save just under $40k for retirement, as well as cut your payback down to 23-years before you are mortgage free. The savings on the interest alone over a 23-year period adds up to around $1,725.22 per year. This is a great wealth building strategy, as it will help keep more of your hard earned money in your pocket that you can use to invest. Bottom line, if you are not able to do $200 per month, doing simply $50 per month can also have a beneficial impact.

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4 Mortgage Mistakes Homebuyers Make

4 Mortgage Mistakes Homebuyers Make
By Abishek Kumar

For many homebuyers, the process of mortgaging appears confusing, filled with thousands of incomprehensible terms. It daunts them, and drives them to make mistakes. Keep in mind that a mortgage is most likely the largest debt you'll ever incur, hence demanding your attention and knowledge. Before you decide on taking out a mortgage, do thorough research. Acquaint yourself with the terminologies, know exactly what you want, and make smart choices.

To get you on the right track, here are some common mortgage mistakes most homebuyers make. Understanding these mistakes will keep you from making them, saving you from financial pitfalls.

Not getting pre-approved for a mortgage.

Don't let the excitement of buying a new house make you forget to apply for a home loan. Approach your local bank and discuss the various mortgages available, and pick one that suits you best. Make sure you get pre-approved for the mortgage of your choice. This will save your time and cut short your effort, enabling you to look at houses that fall within your budget. Getting pre-approved not only gives you peace of mind, but also an edge over other home-buyers.

Not checking your credit score.

Your credit score is of vital importance when applying for a mortgage loan. Don't walk into a bank without knowing your credit score, as a poor score can disqualify you from applying for loans. If you've got a low credit score, pay off old bills immediately. A good credit score enables you to choose among many different mortgage loans, allowing you to finally buy your dream house.

Falling for 'Adjustable Rate' mortgages.

An adjustable rate mortgage offers you a low rate of interest for the first two to five years after taking out the loan. This typically allows you to buy a larger house than you'd normally qualify for, by paying a lower down payment. Although this seems like a homeowner's dream, the interest rate witnesses a sharp increase after the stipulated two to five month period. Borrowers of such loans often find themselves unable to refinance their existing loans, and slowly fall into debt.

Making verbal agreements with the mortgage broker.

Making verbal agreements regarding loans and mortgages will not end well for you. Make sure that everything you've discussed with your mortgage broker verbally, finds its place on a written agreement. Jot down the rate quotes, fees, prepayment penalties, and other key terms in order to avoid any surprises in the future.

I'm an avid writer, whose focus is more towards highlighting civic issues our society faces on a daily basis. I provide tips on property investment, write on real estate market price trends in India, and provide an insight on the latest residential projects. For more property related queries, you can visit http://www.commonfloor.com

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