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Types of Home Loans: FHA, VA, USDA …OMG! |

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  • Home loans, also called mortgages, come in various types. We explain each and discuss mortgage insurance.


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    Common Mortgage Loan Types

    Conventional Mortgage. This is the most commonly used type and usually has the best rates.  You’ll typically need at least 10% for a down payment and good credit. Can be for 15 or 30 years or “interest only” where you are not paying any principal in your payment.

    “Interest only” loans have a bit lower payment but you don’t pay off any of the loan balance when you make your regular payment.

    Mortgage Insurance. Alright, this isn’t a mortgage type, but you need to know about it! If you put less than 20% down on a home, mortgage insurance protects your lender in case you quit making payments. The cost varies by type of loan so ask your Mortgage Professional about it with every loan you discuss.  Mortgage insurance can now be a tax write-off depending on your income level, due to a recent change in the tax laws.  Also, once you believe you have at least 20% equity, you should contact your lender to find out about getting rid of Mortgage Insurance, also known as PMI.

    FHA Mortgage. Thought of as the first time home loan program but actually available to anyone. The down payment is only 3.5% and is more forgiving of lower credit scores. The interest rates are not as attractive as Conventional, but qualifying for the loan isn’t as tough either.  Here is a great in-depth look at The Top 5 things you should know about FHA home loans from our friends at Homeownership University.

    FHA Mortgages are what most people consider to be “first time buyer loans”.  Not all lenders can offer them.

    VA Loan. Zero down payment loan, but you must be a veteran.  We discussed it fully in Does Zero Down Really Exist.

    USDA Rural Housing Loan. Zero down payment loan explained in Does Zero Down Really Exist.  This USDA Mortgage Loan can only be used in designated areas & towns, but their definition of rural may be more flexible than you think.

    Adjustable Rate Mortgage (ARM). These have rates that start out lower than the current rates, but can change after one, two, or five years – usually upward!

    Adjustable rate loans got many home owners into trouble when their rates went up faster than expected.

    203k Rehab Loan. Allows you to finance in larger fixup expenses. Full details in Finding Cash for Fixup and in our blog “How Does a 203k Fixer Upper Loan Work

    Your bank, credit union, or Mortgage Professional may have a few additional local loans as well so be sure to ask.

    Thinking of buying a home in the Portland, Oregon area? Checkout our First Time Home Buying Classes!

    Types of Home Loans: FHA, VA, USDA …OMG! was last modified: May 1st, 2018 by David Axness

    Choose a state from the drop-down menu for specific state information related to this lesson.


    7 Trackbacks

    1. […] Source: Fearless Home Buyer […]

    2. By A Guide On The Different Type of Home Loans - on August 22, 2018 at 7:26 pm

      […] Another type of home loan is an FHA loan. The FHA loan is a government-insured loan, and may typically have lower down payment requirements and a lower interest rate. Borrowers are usually required to have mortgage insurance. An adjustable-rate mortgage (ARM) will offer a low interest-rate at the beginning and will adjust yours at specific intervals of time. Your monthly mortgage payment will fluctuate depending on the current interest rate, a factor that can be very good if rates drop, however, it can be problematic if the rates rise. For many home buyers, a fixed rate mortgage is more desirable and advantageous. A VA loan is available for veterans, and it is a mortgage that is guaranteed by the Veterans Administration. The approval process will require more paperwork and more time to find out if you qualify. For those borrowers who do qualify, the VA loan offers them lower or no down payment requirement and an attractive interest rate. […]

    3. By Va Home Loan For Fixer Upper | Interest Loans on May 24, 2018 at 7:35 am

      […] Types of Home Loans: FHA, VA, USDA …OMG! […]

    4. […] some of which even offer as low as 3.5% down payment options. You can check out this comprehensive list of the different types of available mortgages […]

    5. […] on a type of mortgage. If you’re settling down for decades, a Fixed Rate Mortgage may be right, but if it’s a starter […]

    6. By Mortgage Loans Explained – Zosia Real Estate on January 5, 2017 at 7:16 pm

      […] FearlessHomeBuyer Article: Types of Home Loans: FHA, VA, USDA …OMG! […]

    7. […] Source: Fearless Home Buyer […]

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