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Author Archives: Realter
How Much Home Can I Afford?
The maximum loan amount of your mortgage depends on several factors, such as, how much you earn, how much debt you already have and the type of mortgage. FHA mortgages are one example: What have you heard about qualifying for an FHA-insured Loan? * Only inexpensive homes are allowed? Not true! * You need a [...]
Posted in FHA Financing, real estate Tagged credit score, first time home buyer, mortgage, qualify, real estate Leave a comment
FHA Mortgages And Loan Limits
FHA Limits For Pennsylvania (PA) Common Questions About an FHA-insured Loan Why choose an FHA-insured loan? There are lots of good reasons to choose an FHA-insured loan, especially if one or more of the following apply to you: * You’re a first-time homebuyer. * You don’t have a lot of money to put down on [...]
Fair Housing: It Is The Law
FAIR HOUSING ACT Sec. 800. [42 U.S.C. 3601 note] Short Title This title may be cited as the “Fair Housing Act”. Sec. 801. [42 U.S.C. 3601] Declaration of Policy It is the policy of the United States to provide, within constitutional limitations, for fair housing throughout the United States. Sec. 802. [42 U.S.C. 3602] Definitions [...]
Posted in real estate Tagged Americans with disabilities, fair housing, laws, real estate Leave a comment
Title Insurance
* Why do you need title insurance? Title insurance plays a major role in making certain that your home ownership is free and clear of any rights or claims of prior owners. It is possible for other prior owners to hold a legitimate claim against your home. Problems with the title can limit your use [...]
Posted in real estate Tagged abstract, buy, for sale, purchase, real estate, title insurance Leave a comment
Re-finance A VA Loan
IRRRL Facts for Veterans IRRRL stands for Interest Rate Reduction Refinancing Loan. You may see it referred to as a “Streamline” or a “VA to VA.” Except when refinancing an existing VA guaranteed adjustable rate mortgage (ARM) to a fixed rate, it must result in a lower interest rate. When refinancing from an existing VA [...]
Posted in real estate, VA Home Loan Tagged home, loans, re-fi, real estate, refinance, VA, Veterans Administration Leave a comment
VA Mortgage: Pre-Loan Frequently Asked Questions
General questions about VA loans that may arise BEFORE you get one Q: What is a VA Guaranteed Home Loan? A: VA guaranteed loans are made by private lenders, such as banks, savings & loans, or mortgage companies to eligible veterans for the purchase of a home which must be for their own personal occupancy. [...]
Posted in real estate, VA Home Loan Tagged buy, home, loans, real estate, VA, Veterans Administration 2 Comments
Am I Eligible For A VA Loan?
Veterans Mortgage General Rules for Eligibility Military Service Requirements for VA Loan Eligibility: Note: Applications involving other than honorable discharges will usually require further development by VA. This is necessary to determine if the service was under other than dishonorable conditions. Wartime – Service During: * WWII: 9/16/1940 to 7/25/1947 * Korean: 6/27/1950 to 1/31/1955 [...]
Posted in real estate, VA Home Loan Tagged buy, home, loans, real estate, VA, Veterans Administration Leave a comment
Closing: About Going To Settlement
SETTLEMENT / CLOSING Based On HUD’s Settlement Booklet Finally, you’ve gone through the whole process, and you’re ready to go to “settlement” or “closing.” We know you’ll be excited, but be sure to read everything you sign! It’s often a good idea to read the settlement papers in advance of your settlement date. It is [...]
FHA Mortgage Pre-qualification Form