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Our FHA Loan Guide is a collection of articles and important information that will help you to make an informed deisions as to the type of loan that will best meet you needs. With the recent problems in the subprime mortgage market, FHA loans have become an increasingly important tool to help many Americans get the loan they need to purchase or refinance their home.
   
  Articles:
 
   
 
  1.Type of Loan:
 
Mortgage Refinance
Home Equity Loan or Line
Debt Consolidation
New Home Loan
Reverse Mortgage
  2.Property State:
 
  3.Property Type:
 
  4.Credit Rating: (click ? before selecting)
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* Click Here to See Our Assumptions
  • Mortgage rates could change daily.
  • Actual payments will vary based on your individual situation and current rates or lenders in our matching network.
  • Some products may not be available in all states.
  • Lending services may not be available in all areas.
  • Some restrictions may apply.
  • Based on the purchase/refinance of a primary residence.
  • We assumed (unless otherwise noted) that: closing costs are paid out of pocket; this is your primary residence and is a single family home; debt-to-income ratio is less than 45%; and credit score is over 720.
  • The lock period for your rate is 30 days.
  • If LTV > 80% PMI will be added to your monthly mortgage payment.
  • Max LTV for FHA is 97% for purchase and rate/term refinance - 95% for cash out refinance.
  • For FHA Loans if LTV > 80% - the payment will include a one time upfront mortgage insurance premium (MIP) at 1.5% of the base loan amount and a monthly MIP calculated at 0.50% of the base loan amount. The 0.50% monthly MIP will be paid until the loan reaches 78% LTV, provided the MIP has been paid for a minimum of 5 years. All loan amounts subject to FHA maximum loan limits in your area.
  • The example provided is a quote provided by one of the lenders in our matching program network. LenderQuotes.net is not a lender in any transaction. Rates & Terms are subject to change without notice.

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