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General Mortgage

Mortgage Limits Increase For 2023

Mortgage Limit Increase 2020

There are two basic types of loans, those that are considered conforming and those that are non-conforming. These descriptions apply to loans that “conform” to standards issued by Fannie Mae and Freddie Mac. When lenders issue a loan using conforming guidelines the loan is then eligible for sale in the secondary market. Selling loans allows […]

Filed Under: General Mortgage Tagged With: 2023 Conventional Loan Limit, 2023 USDA Loan Limits, 2023 VA Mortgage Limits

Nashville Government Mortgage Offerings 2023

Nashville has many government-backed mortgage programs available today. There are three such programs available and they each serve a different audience. They are the FHA, VA and 100% USDA programs. Conventional loans are those that are issued and guaranteed by the individual lender approving the loan. There is no guarantee of any sort from any […]

Filed Under: General Mortgage Tagged With: Davidson County FHA Limit, Nashville FHA Loan, Nashville VA Loan, Tennessee USDA Mortgage

Purchasing a House Within Your Income Range

Tired of renting? Did someone at work just buy a home and they can’t wait to close? Did you recently get bitten by the “home buying bug?” It happens at some point to all of us. Even if you’re not ready to buy your own home at least you’ve thought about it. But if you’re […]

Filed Under: General Mortgage Tagged With: Debt To Income Ratio Mortgage Limit, Income needed to purchase home, Income Range To Purchase Home

Different Types of Adjustable Rate Mortgage Programs

ARM and fix rate difference

There are many varieties of mortgage programs today, but all of them fall into one of two categories – fixed or adjustable. A fixed rate loan is pretty easy to figure out, it’s fixed for the life of the loan and will never change. A fixed rate loan is the more popular of the two, […]

Filed Under: General Mortgage Tagged With: Different adjustable rate mortgages, Interest Only ARM Mortgage, Types Of ARM Loans

First Time Home Buyers and IRA Accounts

There are several first-time buyer programs. Many are state or locally sponsored in the form of grants or no-interest loans. A grant is essentially free money. For someone who qualifies for a grant, the funds are issued and as long as the borrowers keep the property for a specific period of time, say for at […]

Filed Under: General Mortgage Tagged With: Can IRA be used for mortgage down payment, IRA For Mortgage Down Payment, Using Retirement Account For Home Loan

Divorce, Separation and Real Estate

No one gets married with thoughts of ending the marriage at some stage later on. It’s a lifelong commitment to live happily ever after, for better or worse. But sometimes things get so bad it’s beyond “worse” and the couple decides to make some changes. When a married couple buys real estate together but later […]

Filed Under: General Mortgage Tagged With: Divorce Mortgage Payment, Home Loan When Divorced, Late Mortgage Payments Due To Divorce, What Happens To Mortgage Divorce

Installment Debt, Revolving Debt and Qualifying for a Mortgage

One of the primary tasks a lender must perform is to determine affordability. A mortgage company must make a reasonable determination that the applicants will be able to afford the new mortgage payment along with associated property taxes and insurance. The mortgage includes both an amount to principal and interest. These four payments are referred […]

Filed Under: General Mortgage Tagged With: Debt and Qualifying for a Mortgage, Debt taken into account for mortgage, What Debt is used for qualifying mortgage

Using Zillow or Similar Site to Value Your Home? You May Be Selling Yourself Short

Zillow was introduced years ago and since then has become a major force in the real estate industry. Zillow isn’t a real estate company although the site shows millions of homes for sale and rent in all parts of the country. Instead, Zillow is a database and draws listings from multiple sources and works with […]

Filed Under: General Mortgage Tagged With: Online home appraisal, Online home price evaluation, Zillow home value accurate

Mortgage Protection Insurance: Is It Worth It?

Have you heard this term? Maybe you got a letter in the mail from a company offering insurance to cover your mortgage? But why would you need mortgage insurance to cover your mortgage? There are a couple of reasons, one is to temporarily make your mortgage payments should you be unable to work and the […]

Filed Under: General Mortgage Tagged With: Mortgage Payment Insurance, Mortgage Protection Insurance

Why Are Discount Points Eligible for an Income Tax Deduction?

There are still several income tax deductions available to the everyday taxpayer. Several years ago, all sorts of interest, including credit card interest, was available as an income tax deduction. During the overhaul of the income tax code way back in 1986, several popular deductions were eliminated. We’ll talk about some of them but it’s […]

Filed Under: General Mortgage Tagged With: Are Mortgage Discount Points Write Off, Income Tax Deduction Mortgage Points, Mortgage Discount Point Tax Deduction, Writing Off Discount Point on Loan

Private Mortgage Insurance Isn’t Forever: When You Can Remove PMI

Private mortgage insurance, or PMI, sometimes gets a bad rap. And that’s unfortunate because PMI plays a very important part in the mortgage industry. Years ago, banks would require down payments of as much as 30 or 40 percent of the sales price. Back then, banks assumed all the risk on the loan and if […]

Filed Under: General Mortgage Tagged With: Discontinue Mortgage Insurance, When Can I Remove Mortgage Insurance, When Can I Remove PMI

Sorting Through All Your Loan Options

assorted mortgage options

If you’ve never had a mortgage before, you’ll likely be surprised at how many choices you have. Sometimes it can be a bit overwhelming when your loan officer begins presenting your different choices. Lenders can boast about how many different loan programs they have but sometimes it clouds the decision-making process with too much information. […]

Filed Under: General Mortgage Tagged With: Home Loan Options Florida, Loan Options 2019, Mortgage options for First Time Buyers

What To Expect At Your Home Closing

All the prep work has been done and your lender has told you your closing papers are being prepared and delivered to your escrow officer or settlement agent. A lot was said and done since the time you first spoke with a loan officer and began asking a series of questions on qualifying, applying for […]

Filed Under: General Mortgage Tagged With: Closing documents what to expect, home closing papers needed, what are the documents at home closing

How Much Can Home Sellers Contribute Toward Your Closing Costs

Saving up enough money for a down payment is typically the single biggest obstacle first time home buyers face. For those who already own a home and are contemplating selling and buying another, the accrued equity in the home is usually enough to take care of a down payment for the subsequent home. First-time buyers […]

Filed Under: General Mortgage Tagged With: Closing Costs Paid By Seller, How much can seller give towards closing costs FHA, How much seller concessions, VA closing costs from seller

Conforming Limit Changes 2023

Consumers may have heard the term “secondary market” as it relates to housing but it’s not very likely. Lenders, however, are very familiar with the term as the secondary market is the lifeblood of the industry. Without it, home loan lending would slow to a crawl resulting in fewer people being able to afford a […]

Filed Under: Florida Mortgage, General Mortgage Tagged With: 2023 Conforming Loan Limits, New Conforming Loan Limits, What is the conforming loan limit

6 Home Upgrades to Avoid

Whether you just bought a fixer-upper that needs more than just a little “TLC” or you’ve lived in your home for a few years and ready for a remodel, there are some things you should do and especially things you shouldn’t do. Of course, if you did buy a home that needs a little help, […]

Filed Under: General Mortgage Tagged With: Home Upgrades To Avoid, Things not to do to your home, What Home Updates to Avoid

5 Hidden Costs of Homeownership

When consumers carefully consider buying a home, most of their attention is directed at how much money is needed for a down payment, how much are my closing costs and how much money do I need overall to close the transaction. Those are important considerations and your loan officer can provide you with a pretty […]

Filed Under: General Mortgage Tagged With: Hidden Costs Of Home Ownership, Home owner emergencies, True cost of homeownership

Rising Interest Rates, What Can Buyers Expect?

We’ve enjoyed some very competitive interest rates over the past few years. This has helped the housing market not only recover but thrive in multiple markets across the country. Today, it’s common to find a 30 year fixed rate for a conforming loan amount in the 4.00% to 4.25% with some variance. These rates hit […]

Filed Under: General Mortgage Tagged With: Are Mortgage Rates Rising, Florida Interest Rate Predictions, Mortgage Interest Rates 2018

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

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

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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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