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100% USDA Loan Nassau County Fla

The 100% USDA Loan Program remains one of the top first-time buyer programs in Florida.  After all, this special program does not require any down payment there are also no maximum loan amounts.  This program has been around Nassau County for years but the popularity has risen in recent years. Why?  Zero down loan programs […]

Filed Under: USDA Loans Tagged With: Nassau County USDA loans, Rural Housing lenders Nassau, USDA homes Nassau County

VA Funding Fee Breakdown

VA loans don’t require a down payment yet even so they are still some of the highest performing loan groups of all current mortgages today. This not only in spite of the fact there is no initial “skin in the game” as some lenders put it. This fee is an upfront fee and paid at […]

Filed Under: VA Loans Tagged With: how to calculate VA funding fee, VA Funding Fee Breakdown, VA Funding fee Chart, VA second time funding fee

FHA or VA: Which Loan is Best?

For those who are dually qualified for an FHA loan as well as being VA eligible, there’s a choice to be made and it’s maybe not all that obvious. When financing a home when down payment funds are available, comparing the two options is a good idea. FHA and VA loans can be used anywhere […]

Filed Under: FHA Loans, VA Loans Tagged With: Comparing VA and FHA, FHA VA Which is better, Is VA a good loan choice, Is VA better than FHA

Low Down Payment Home Loans Texas Teachers

Saving up money in order to buy a home can be a struggle sometimes. Especially for those just starting out or recently employed in the public sector such as police, firefighters, and teachers. However, in Texas there are programs designed for all first-time buyers that not only allow little or  NO down payment but also have […]

Filed Under: Texas Mortgage Tagged With: Mortgage programs for Teachers Texas, Teacher first time buyer programs, Texas Teacher Loan

FHA Streamline Refinance Program Georgia

Home owners in Georgia that currently have an FHA mortgage should take note of the FHA streamline refinance. Recent improvements to the FHA streamline refinance program means that not only is no appraisal required, but the closing costs for this new streamline refinance program has been dramatically reduced! The FHA streamline refinance program requires that the […]

Filed Under: Georgia Mortgage Tagged With: FHA loan refi Macon, FHA refinance Georgia, FHA streamline Atlanta

FHA Upfront – Loan Limits Texas

FHA loans have been around for a long time, as far back as 1934 when the program was first introduced. FHA loans have an inherent guarantee to the lender that compensates the lender at 100% of the foreclosed loan amount. FHA loans also have a very low down payment requirement of just 3.5% of the […]

Filed Under: Texas Mortgage Tagged With: Austin, Dallas, FHA loan limits Texas, FHA loans Texas

Should First Time Buyers Use Adjustable Rate Mortgage?

Should first time buyers use an adjustable rate loan or a hybrid as their very first mortgage? “First timers” when starting out on their home buying journey can be somewhat surprised at all the decisions they must make. The biggest choice is whether or not they want to buy in the first place. Making the […]

Filed Under: General Mortgage Tagged With: adjustable rate or fix first time, ARM good for first time home owner, ARM or Fix first time buyer

Closing Costs with USDA Home Loans

The USDA home loan doesn’t require a down payment which keeps “cash to close” as low as possible. Typically, it’s the down payment that keeps many buyers from buying a home when they want but can’t because they need to save up for a downpayment. Certainly, a 100% loan like USDA helps. But there are […]

Filed Under: USDA Loans Tagged With: Rolling in closing costs USDA Rural loan, Seller paid closing costs USDA, USDA closing costs

Locking Interest Rate VA Loan

One thing that loan officers like to make clear as it relates to interest rates and VA loans is that any quoted rate isn’t official until the borrower specifically makes a direct request to lock in the rate. When buyers first begin researching information about VA loans and interest rate information they discover that rates […]

Filed Under: VA Loans Tagged With: Current VA mortgage rates, VA Interest Rates, VA Mortgage rate lock

FHA Loan Terms: Which is Right for You?

You probably know the FHA loan program provided stability in the financial markets during the hardships of the Great Depression. By introducing loan guidelines that, if followed by banks, would carry a guarantee to the lender, banks felt more comfortable approving the loan. One of the main guidelines was the term of the loan, or […]

Filed Under: FHA Loans Tagged With: fha arm loan, fha fixed rate loan, fha loan terms

First Time Homebuyers: 5 Things You Must Know

If you’re getting ready to purchase your first home and started a bit of research already, you might be a slight victim of information overload. You will soon discover there are many moving parts to purchasing a home.  There are various services needed in order to get your home loan approved to keep the loan […]

Filed Under: First Time Buyer Tagged With: first time buyer information, how to apply first time buyer loan, what first time buyers should know

5 Reasons Why FHA Loans Get Turned Down

FHA loans are the most popular of the three government-backed home loan programs. The VA loan is a very attractive option for those who are eligible such as veterans and active duty personnel and the USDA loan has income limits and the property must be located in an approved area. The FHA loan does require […]

Filed Under: FHA Loans Tagged With: FHA loan denial, How to get FHA mortgage approved, Keys to FHA loan approval

Difference Between Cash Out and Rate and Term Refinance

Mortgage companies have their fair share of loan terms for the different home refinance options. The most common are the cash-out refinance and rate and term. What are the differences between the two terms and why should it matter? Let’s take a closer look at refinancing and what makes one and what makes the other. […]

Filed Under: Mortgage Refinance Tagged With: Cash out or rate term, VA 100 cash out refinance, what is a cash out refinance

First Time Buyers? What To Expect

If you’re on the brink of buying your very first home, most any homeowner today will tell you it’s the fastest 30 days you’ve ever experienced. Why? one of the main reasons is there are a lot of “firsts” going on and third parties you’ve never heard of all working on your loan file. But […]

Filed Under: General Mortgage Tagged With: documents needed for first time buyer, First time buyer process, Starting first time home owner loan, when to start first time buyer

FHA Home Loan Process Explained

FHA loans are one of three government-backed loans that come with some level of guarantee to the lender issuing the loan. With the FHA program, should the loan ever go into default the lender is compensated for the loss. This guarantee comes in the form of two separate mortgage insurance policies that accompany the loan, […]

Filed Under: FHA Loans Tagged With: FHA loan process, how to apply for fha loan, what is the process with fha mortgage

Top Things Buyers Should Know About FHA Loans

FHA remains a popular choice for home buyers in Florida, especially first time buyers.  In regards to home mortgages, very careful steps have to be taken and each one considered in-depth since we are dealing with a commitment that will last for many years. Being overly anxious to acquire a home and finally getting it […]

Filed Under: FHA Loans Tagged With: FHA mortgage things to know, Things to know FHA loans

Should First Time Buyers Choose Fixed Rate Or ARM?

This is one of the questions most first time buyers ask but perhaps they’re really not sure why one might be better than the other. Mortgage lenders offer a variety of loan programs from government-backed loans such as USDA, VA and FHA loans to conventional mortgages underwritten to guidelines set forth by Freddie Mac and […]

Filed Under: General Mortgage

FHA Loans Plant City, Florida

In 1934, Congress introduced the National Housing Act which established universal lending guidelines banks could follow. These new guidelines formed the Federal Housing Administration which set forth lending guidelines banks could follow. The FHA loan has since become the loan of choice for those buying in Plant City, Florida who prefer a loan program that […]

Filed Under: FHA Loans, Florida Tagged With: Plant City FHA approved homes, Plant City FHA loan

Georgia FHA HUD 100 Down Program Insight

Since the slowdown in the housing market years ago, options for 100% home financing have pretty much disappeared. In fact today only a few home loan options in Georgia remain that allow NO down payment home financing  –  USDA and VA.  USDA loans require the property to be located in a rural defined eligible area, […]

Filed Under: FHA Loans, Georgia Mortgage Tagged With: Atlanta HUD 100 Down Program, Banks offering HUD 100 down, Georgia FHA HUD $100 down, Lenders offering HUD 100 down

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© 2020 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

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