VA Home Loans
If you have already used a VA home loan, you may have a remaining entitlement. This means there is up $36,000 that you can still borrow to use in purchasing a home.
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Bad Credit Refinance
Whether or not to refinance is a question that borrowers ponder almost throughout the life of their loan. If you have bad credit, you may be wondering if going through the process is worthwhile. You may even be thinking of refinancing as a way to consolidate debt and wondering if that would be an effective way to help your credit. Refinancing can be an excellent way to find a loan with better terms or to consolidate debt. Apply online today to contact up to four lenders about bad credit refinancing.
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Home Equity
The reverse mortgage is also an adjustable rate mortgage, but is unique because the homeowner (who must be 62 years or older) is at no time obligated to make monthly payments on the loan. The amount of the equity on the home is made available to the owner in full, in monthly advances or as a line of credit, only to be repaid after the life of the owner through the sale of the home or by the family if they would like to keep the home.
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Land Loan
Land loans are consistently perceived to be of greater risks by lenders. The lenders require great detail about the proposed home that will be built because they want to be sure that the sale price of the home where it will be located isn’t less than the original loan amount. For this reason, lending institutions that are far away geographically from the land lot will often not make the loan on the basis of knowing very little about the property and the property values of the surrounding area.
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Mortgage Calculation
Mortgage calculation can also help you plan whether or not you would like to include extra payments in your repayment schedule. On the loan of $150,000 at 7% interest with a 30 year term and a monthly payment of $997, one extra yearly payment can save a homeowner nearly $50,000 in interest payments. If this loan had a 15 year term, the difference that of extra yearly payment would be far less impressive, saving just over $9,500. If you are interested in making an extra yearly payment and feel you it will not put too much strain on your finances, it is a good idea to discuss this with your lender. Extra payments can cause you to finish paying your balance before the scheduled end of the repayment period and some lenders have prepayment fees, so you should check to make sure there are no such penalties or include these extra payments in your repayment schedule.
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Mortgages Online
These days mortgages are as diverse as the people seeking them. There are loans for people with good credit or bad credit, and loans specifically geared for those trying to consolidate debt, for families wanting to build their new homes, for Veterans, even for explicitly for police officers and teachers. Finding the right mortgage has never been easier. Fill out our free short form to contact a mortgage expert.
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Reverse Mortgage
Reverse mortgages do not affect Social Security or Medicare, and are not counted as income on the homeowner’s taxes. A reverse mortgage is a wonderful opportunity to gain independence through substantial loan that requires no monthly payments. Apply online to begin the process for your reverse mortgage.
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