VA Home Loans
VA home loans, like FHA loans, are insured by the federal government through the Veterans Administration, allowing eligible men and women who served in the military to take advantage of low interest rates and little to no down payments on loans. Apply online today to contact up to four lenders about your VA home loan.
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Bad Credit Refinance
Debt consolidation can help you get from under the stress and pressure of collections calls and the mountain of bills that come to you each month in the mail. Refinancing all of your small loans into one larger one will allow you to have one monthly payment. This will help you pay off your debt more easily, generally with a lower interest rate and often lower monthly payments. Also, lenders understand that applicants looking for to refinance in order to consolidate debt usually have damaged credit and so the requirements for this type of refinancing would be more lenient.
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Home Equity
Home equity is the amount of the value of your home that you own, meaning what you have already paid for. This amount can be calculated by subtracting your mortgage from the total market value of your home. For example a house worth $180,000 with a $100,000 mortgage has an equity of $80,000. Generally, lenders will allow a homeowner to borrow 80-85% of their home equity. Fill out our short form to contact lenders about your home equity loan. Alternatively, a secured home equity loans application can be found here.
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Land Loan
Land loans, unlike mortgage loans, are provided solely for the purpose of acquiring land on which to build a new home. Land is a finite quantity anywhere you go and in today’s world it is at a premium because there is only so much to go around. Finding an appropriate lot for a home can be on the level of difficulty of finding an affordable loan for land. Financing can also be more difficult if the borrower intends to wait for more than a few months to build on the property because it adds to the perceived risk if the lot turns out to not be suitable for the building without major work done on the land.
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Mortgage Calculation
Mortgage calculation can help you foresee any snags that could occur in the future and also help you double check that the repayment schedule makes sense. Some borrowers have fallen prey to loan terms that cause negative amortization. Negative amortization occurs when the monthly payments of a loan do not adequately pay off the principal and accruing interest. In this case, the outstanding balance will increase instead of decreasing as you make your monthly payments. When this happens, it is generally with dishonest and, perhaps, questionable lenders. Though the odds are against this happening to you, it is a good idea to be aware of negative amortization and to take an interest in the make of your mortgages amortization.
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Mortgages Online
The best way to find the right mortgage is to know yourself and know your credit. Getting a copy of your credit report is an excellent way to start. This way you can know if your credit has improved or if it has gained a few blemishes. Also, it will give you a chance to see if there are any mistakes on your report that could damage your chances of finding the right mortgage and allow you time to have these mistakes removed. Knowing your credit will help you to have realistic goals while shopping for your mortgage.
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Reverse Mortgage
Once the borrowing period has ended, which does not occur during the life of the homeowner unless he or she decides to sell, the home does not necessarily have to be sold. The homeowner’s heirs can take out a regular mortgage in order to keep the home. Also, if the house is sold and the selling price does not cover the amount of the loan, the loss is covered by insurance, and not through the borrower’s estate.
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