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Choosing the Right Home Loan

Choosing the Right Type of Home Loan

What is the best type of loan for you? ARM, Fixed Rate or Combination? Not all loans are the same, and not everyone's situation is the same. Know what your options are so you can make an educated decision.

Fixed Rate Mortgages
How to decide on whether to choose a Fixed Rate Mortgage, or not? If you hate to gamble, and uncertainty about your finances is not an option, then a fixed rate mortgage is what you are looking for.

Adjustable Rate Mortgage
If you're a bit more savvy then most home buyers, and you understand the forces at work, within the economy that affect interest rates and the current indices, then maybe an ARM is the vehicle for you.

Combination Mortgages
How do you know if a Combination Rate Mortgage is right for you? If your current financial status demands that you know with certainty what your interest and monthly payments must be, and you are fairly confident your situation will improve in the next two to three years, a combination loan is a good approach to buying a home.

Fixed Vs Adjustable Rate Mortgage Loans
When you are choosing a loan you must decide first on whether a Fixed Rate, Adjustable Rate or something in between best suits your criteria. You will only be able to do this if you fully understand the ramifications of each type of loan available. Read this tutorial and educate yourself to each scenario.


Conventional Mortgage Loans
Learn more about Government Sponsored Entities or GSEs, such as Freddie Mac and Fannie Mae, to secure conventional loans. These government programs can help you get better rates and smaller payments, and sometimes put down less initially.

Jumbo Loans
A Jumbo loan is one that surpasses the standards, set for loan limits, allowed by Fannie Mae. If you have less than 20% for a down payment that means you are not eligible for "conforming" loans and need a jumbo loan.

VA Loans
If you are a veteran, see if you qualify for a VA mortgage and then learn about the benefits. You did your part, now let the VA do their's. Go here to see how to contact the VA and find out just what the benefits and rates are available for those who served their country well.

Interest Only Mortgages
Learn the pros and cons of an interest only mortgage and see if it is a viable option for your current financial situation. If you need funding for an income producing property this is a great way to borrow.

Reverse Mortgages
Keeping in line with the old adage "Age has its privilege." the mortgage industry has structured what is known as a reverse mortgage - RM - for people who are specifically over the age of 62. If you are over the age of 62 and have a good level of equity built up in your property, but a are strapped for cash, this option may be perfect for you.


Sub Prime Mortgages
Have you been denied an FHA or VA loan due to bad credit? Are their conventional and low down payment programs something that are out of your reach? If so, consider applying for a sub prime loan. Agreeing to pay the higher down payment requirement and associated higher interest rates may afford you the ability to still secure a loan despite your poor credit.

Piggyback Mortgages
These are sometimes referred to as "80-10-10" mortgages because they allow for both an 80% of value loan along with another loan for 10% and a 10% down payment. Piggy Backs are also an alternative to getting PMI, and they can bring down your overall monthly payment as well.

No Money Down Mortgages
For people who do not want to tap into their savings, or cannot or will not come up with a down payment, this strategy is a good one. More readily available to those with sterling credit histories, and people who are willing to pay a bit more on a monthly basis.

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