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Orange County FHA Frequently Asked Questions (FAQ) What defines a mortgage as an FHA loan? It is a mortgage loan insured by the Federal Housing Administration (FHA). The loan is not made by the government but is it insured against borrower default with its mortgage insurance aspect which is significant. What are the primary benefits…
If you are a first-time home buyer determined to find a property, then the following tips will be useful if you’re prepared to begin the process. Become familiar with the selling prices of homes in your desired location. Conduct a search on the MLS for listings in your area from a local realtor’s website, or…
Fewer underwater mortgage holders, but Las Vegas still at the top of the mountain. The share of Las Vegas homeowners who are underwater continues to move downward, but it continues to be the highest of all large U.S. cities. As of January, 2016, 22.1 percent of Southern Nevada homeowners with home loans owe more than…
On, December 16, 2015, the Federal Housing Administration made available the maximum mortgage limits for 2016. Loan limits will be going up for 188 counties as a result of appreciation in home values, and absolutely no counties in the U.S. will see their loan limits decreased. In California, among the areas benefiting from increased loan…
In California, it is not an easy task to find residential real estate that offers investors high cash flow for a couple of reasons. Prices for people buying homes as their primary residence are driven up by strong demand. Residential investment properties are priced for speculation and not cash flow. This means the property is…
Here’s a great example of why you would switch. Your loan officer is claiming that you will be approved within adequate time for closing but because you were never completely comfortable with the loan officer or lender, you want switch to a different lender. Then you have uncertainties about if the second lender can approve…
Overall higher interest rates will not impact homeowners too much with just a .25% increase. This should comfort existing homeowners who monitor their equity along with prospective home buyers nervous about their new purchase. The Federal Reserves’ short-term interest rates have been at zero going back to December 2008. The moment the Fed truly…
Buying a house for yourself or family is always a time to be very alert throughout the process and to know what is expected for all parties involved. Before making an offer on a home to buy, you need to be sure of how much you can “afford”. Your local mortgage lender should able to…
Although most knowledgeable real estate agents understand the mortgage approval process, there are some who accidentally look over the important details that can delay or thwart a prospective homeowner’s attempt to buy a home. Real estate agents must stay informed of the sweeping changes that are constantly being made to the industry. Some things they…
Actually, a better way to ask the question — and to find an acceptable answer about lowering closing costs — may be to ask what fees are non-negotiable. In most areas, there are only a few “set in stone” fees that automatically appear in either the buyer’s or the seller’s column. What Fees Must Be…