How to Avoid Paying PMI
Mortgage insurance is an added expense homeowners pay to help protect lenders. If you don’t put 20 percent down on a conventional loan or if you choose an FHA or USDA loan, you will be required to pay...
View ArticlePMI Becomes Easier, FHA More Costly
One of the first questions home buyers ask themselves when considering how to finance their upcoming home purchase is whether to use an FHA loan or a conventional loan with private mortgage insurance...
View ArticleWhen Lender Paid Mortgage Insurance Makes Sense
More and more borrowers today are looking for ways to finance their home purchase without making a full 20% down payment. As FHA continues to increase fees, many are turning to private mortgage...
View ArticleWhat’s Better: FHA or Conventional?
It’s not always an easy choice. FHA and conventional loans are both widely available, and both can offer competitive mortgage rates. FHA has typically been the mortgage loan of choice for buyers with...
View ArticleHow much is PMI (private mortgage insurance)?
How much is PMI on a mortgage? Private mortgage insurance (PMI) is usually between 0.19% and 1.86% of your mortgage balance. And you sometimes need to pay an upfront premium on closing, too. But how...
View ArticleHow to Avoid Paying PMI
Mortgage insurance is an added expense homeowners pay to help protect lenders. If you don’t put 20 percent down on a conventional loan or if you choose an FHA or USDA loan, you will be required to pay...
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What is the Difference Between an FHA and Conventional Loan in Cost and...
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 lower payments and what is the difference between the...
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Lender-Paid Mortgage Insurance (LPMI): Why It Can Pay Off in Today’s Market
If you don’t have 20 percent down to buy a house these days, you will be paying mortgage insurance of some kind. Mortgage insurance just helps the lender have reassurance in case you default on the...
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Cancel your FHA Mortgage Insurance Today
An FHA loan sounded like a good idea at the time. Now, not so much. That’s what many FHA home buyers are now saying. The reason: high mortgage insurance premiums, month after month and year after year....
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5 Ways to Buy a Home with 5% Down or Less
One of the most common misconceptions about mortgages is that you need 20% down to buy a home. Nothing could be further from the truth. The fact is that there has always been and always will be...
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Is a Piggyback 80/10/10 Mortgage Right for You?
The “piggyback” loan is re-emerging as a viable option for today’s homebuyers. This loan program fell from grace in the housing bust of 2008, but now it’s making a comeback. This is good news for...
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PMI Becomes Easier, FHA More Costly
One of the first questions home buyers ask themselves when considering how to finance their upcoming home purchase is whether to use an FHA loan or a conventional loan with private mortgage insurance...
View ArticleClik here to view.
FHA Applications Plummet in June 2013
The U.S. Department of Housing and Urban Development, or HUD, recently released its monthly production report for June 2013 for mortgages underwritten to FHA guidelines. Each month, this report tallies...
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What Is Private Mortgage Insurance?
Private mortgage insurance. You may or may not have heard of the term, but it’s likely you’ve heard its acronym, PMI, especially if you’re preparing to buy a home and deciding how much to put down on...
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When Lender Paid Mortgage Insurance Makes Sense
More and more borrowers today are looking for ways to finance their home purchase without making a full 20% down payment. As FHA continues to increase fees, many are turning to private mortgage...
View ArticleClik here to view.
What’s Better: FHA or Conventional?
When financing a home with a loan that allows for low down payments, buyers often consider two options: FHA and a conventional mortgage with private mortgage insurance (PMI). Conventional loans with...
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