Which Loan Is Best. For You?

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1 Which Loan Is Best For You?

2 US Mortgage Corporation (NMLS ID#3901). Corporate Office is located at 201 Old Country Road, Suite 140, Melville, NY 11747; or (800) (LOANS15). Licensed Mortgage Banker-NYS Department of Financial Services- AK, AL, AR, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, VT, WA, WI, WV, WY State Banking Departments/Regulators. Rates, fees and program guidelines are subject to change without notice. Certain restrictions may apply. Some loans arranged through third parties. First mortgages only. Not all products and/or programs are available in all states.

3 Table Of Contents An Introduction To Mortgage Loans... Page 01 A Conventional Home Mortgage Loan Page 03 An Insurance-Backed FHA Loan... Page 05 VA Loan For Veterans.... Page 07 FHA 203(k) - The Home Improvement Loan... Page 11

4 An Introduction To Mortgage Loans 01

5 First-time home buyers always seek to find information about the various mortgage loan options to finance their home purchase. This is your first step in the home purchase process. It is more important to make financial arrangements to buy a home before you even begin to look for a suitable property. Fix your budget before you scour for properties. Once you fix the budget, figure out how much of the budget you can fund from your savings. Most lenders will require you to make a down payment on the purchase price of the property. If you can fund a certain percentage of the price, you can begin to look for lenders who can fund the rest of the purchase. After this, you have to check your credit report. A good credit score is very important for a loan approval process. If your report shows delayed payments, too many debts, and other such negative factors, then it will make a huge impact on the loan approval process. If you have a good credit score, lenders would offer you loans at lower interest rate. For a borrower with a low credit score, the interest rates charged are higher. There are many types of loans to suit the various situations of a borrower. The following chapters encompass the different loan options that you can choose from to finance your home purchase. Understand each loan and decide for yourself which is best suited for you. 02

6 Conventional Home Mortgage Loan 03

7 Generally when you wish to purchase a house, you could apply for a mortgage loan with any financial institution. While you borrow a loan from the lender to buy a property, a mortgage agreement is filed. The property is held as security, which may be foreclosed by the lender if you default on your loan. It is a good option if you wish to close the debt by repaying before the deadline of mortgage agreement to reduce the amount you pay as interest in total. A loan application process can start even before your purchase. It is advisable to seek pre-approval for the loan from the lender by producing necessary documents well before your purchase. Lenders require a lot of paperwork that includes proof of your income, credit report, tax return documents, documentation of all your assets, etc. Your credit report is very important in the loan approval process. Lenders are generous to borrowers with a good credit score. If you have a credit score over 700, you are likely to get a loan at low interest rates unlike borrowers with a bad credit score. The risks involved in conventional home mortgage include that of foreclosure if you default on the payment. These loans do not cover processing costs during your purchase. A conventional loan is not easily available for buyers with a bad credit report. However, it is indeed a great option for good credit score holders as they can make relatively low monthly mortgage payments with flexible terms of the loan agreement. This type of loan has many restrictions and eligibility criteria. There are mainly two types of mortgage loans depending on the interest rate and period of payment. Fixed-rate mortgage is a loan in which the interest rate is fixed for the complete period of the mortgage agreement. As a borrower, you will have to make the same amount of payment every month until you clear your debt. A variable or adjustable rate mortgage is a type of loan where the interest rates fluctuate with time. The interest rate may increase or decrease according to the change in bank policies, regulations of the central bank, etc. In this case, there is a disadvantage for the borrower as in he might end up paying more interest on the loan. Usually, after purchasing a property, you would be expected to make a down payment on the loan. The down payment you make depends on the cost of the property and also decides the loan to value ratio. This ratio indicates the risks in the mortgage loan. If the ratio is high, then the property value upon foreclosure may not be sufficient to cover the balance loan amount. One of the major factors in the loan process is the value of the property. Any appreciation or depreciation in the value of the property could affect the terms of the loan or the loan approval process. The lenders use their own appraisers to estimate the value of the property you wish to purchase. The normal time period is very long for the mortgage payments on a conventional mortgage loan. Due to this, a borrower might have to pay a large interest on the principal. 04

8 An Insurance-Backed FHA Loan 05

9 You can get a mortgage loan that is insured by FHA (Federal Housing Administration), also known as an FHA-insured loan. If you have a low annual income and cannot afford to buy a home, the FHA loan assists you in the purchase. Typically the lender would pay almost 1% of the loan amount as premium for the mortgage insurance to the FHA on behalf of the borrower. This loan was initiated as a result of the Great Depression which occurred in the 1930s. It was during this time that many foreclosures happened which caused great loss to lenders. The FHA on its own does not provide loans. Instead, it insures loans provided by private lenders. While approaching for any loan, you have to contact a mortgage broker or several lenders. You have to find out if they have the permits from the Department of HUD (Housing and Urban Development) to provide FHA insured loans. Generally, FHA-insured loans are provided to help moderate and low income families purchase homes at lower processing costs, interest rates, and monthly payments. Lenders are encouraged to provide loans to even those borrowers who have a not-so-good credit score, as this loan protects the lenders against default on mortgage payments. However, if your credit score is less that 650, it might be hard for you to get such loans. If the interest rates decrease during the period of the mortgage agreement, you may think about refinancing your loan to get the benefit of low monthly payments. 06

10 VA Loan For Veterans A long-term loan provided for the US veterans to purchase homes is known as the VA loan. It was initiated by the Department of VA (Veteran Affairs) to help veterans own homes in areas with shortage of housing credit. If you are a veteran, it helps to finance your home purchases in cases where you cannot find private funding. This type of loan does not require any down payment on the principal amount. Typically, you can buy homes in rural areas, towns, and small cities. VA loans do not apply for large cities or metropolitan areas. There are three options in this loan. 07

11 08

12 VA Loan For Veterans 09

13 The first option is that you can borrow a % of a property purchase price without the need for a PMI (private mortgage insurance). This way, you can use the money to pay for the property and the other costs involved in the sale or use it towards home improvements. The second option is that you can borrow 20% of property value as a second mortgage in addition to USD6000 for home improvements. The third option available is to borrow 90% of a property value to refinance an existing mortgage. You can approach Fannie Mae and get an application form 1003 (form 65 in case of Freddie Mac). Fill out all the particulars on the form. Any false statements on the form may lead to penalization. The paperwork involved for the loan approval process includes: Tax returns proof of recent two years Credit report Documents of finances and other assets (accounts, properties, etc.) Proof of your annual household income W2 statements of recent two years Copy of recent two or three pay stubs. Opting for a PMI (private mortgage insurance) will help you qualify for those conventional mortgage loans which are not backed by the government. PMI is a private sector insurance program associated with the FHA-insured loan and a VA loan. It reduces the lender s risk by insuring the loans and helps you finance home purchases in areas where VA loans are unavailable. The borrower will be charged only with a VA funding fee in addition to the monthly mortgage payment. A funding fee is an amount that you need to pay the Department of VA as per the US law. The fee may be included in the loan amount or paid in cash to the VA. If you are disabled, you will receive almost ten percent of compensation due to which you will be exempted from the funding fee. The VA loan can cover home, farm, or business purchases. You can refinance an existing loan using a new VA loan that comes at lower interest rates. Existing VA loans can also be cleared by making regular payments and these have no extra charges if paid off before the given deadline. Veterans and their surviving spouses are eligible to get this loan. However, if the veteran remarries, the previous spouses cannot apply for a VA loan. The VA loan program is designed to help the veterans and thus has features that suit the needs of any moderate- or low-income veteran families. 10

14 FHA 203(k) - The Home Improvement Loan 11

15 If you want to buy a run-down house with a dream to fix it up, there are hardly many lenders who would agree to finance your purchase. You might acquire the house at a low price but the repair costs would be higher. Many foreclosed homes or government-owned homes come under this category where they are poorly maintained. In such cases, you can approach lenders for an FHA 203(k) loan. This loan is also known as rehabilitation loan and is designed to help buyers remodel new purchases. The loan is endorsed by the Federal Housing Administration and helps to make purchases or rehabilitate uninhabitable properties. The loan amount includes the costs for property remodeling and repair that includes labor and materials. It can also include up to six months of mortgage payments during property renovation. The only eligibility criterion for an FHA 203(k) loan is that the borrower must be able to make monthly mortgage payments. The normal factors like confirmation of annual income, credit report, etc., also play a role in the loan-approval process. FHA 203(k) loans are of two types. Regular 203(k) mortgages are provided for those properties that require structural repair. Modified or streamlined 203(k) mortgage is provided for properties that require normal repairs. It covers refinancing and also purchase of the properties. It is a big loan and takes a longer closing time. But, it is a good option as it includes purchase and improvements. 12

16 Corporate Office 201 Old Country Road, Suite 140 Melville, NY On US: 800-Loans

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