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Home Mortgage and refinancing at todays low low rates..
Here's how the
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Where the money for
the transaction will come from.
Typically homebuyers will need some money for a down payment and closing costs. However,
with today's broad range of loan options, having a lot of money saved for a down payment
is not always necessary - if you can prove that you are a good financial risk to a lender.
If your credit isn't stellar but you have managed to save 10-20% for a down payment, you
will still appear to be a very good financial risk to a lender.... |
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The ongoing costs of
home ownership.
Maintenance, improvements, taxes and insurance are all costs that are added to a monthly
house payment. If you buy a condominium, townhouse or in certain communities, a monthly
homeowner's association fee might be required. If these additional costs are a concern,
you can make choices to lower or avoid these fees. Be sure to make your realtor and your
lender aware of your desire to limit these costs.
If you are still unsure if you should buy a home after
making these considerations, you may want to consult with an accountant or financial
planner to help you assess how a home purchase fits into your overall financial goals. We
have recommendations for qualified local experts in reality law, appraisals, financial
management, home improvement and repairs, heating & Air conditioning, landscaping and
other professional services revolving around buying or selling your home. |
Type of Mortgage -Your loan application asks you to
specify the type of mortgage you want. Your lender will most likely offer you a variety of
fixed-rate or adjustable-rate mortgages with various repayment terms. There are
also balloon mortgages, FHASM and VASM loans, and many others.
It’s advantageous to
learn about the various types of mortgages available to you before you apply for your
loan. In fact, it makes a lot of sense to see what types of mortgage loans are available
even before you start the house-hunting process. The type of mortgage you choose will
directly affect how much house you can afford -- and the amount of your monthly mortgage
payments.
If you bring a ratified
sales contract to your loan application interview, it may specify the type of financing
you want. Your contract to buy the house may depend on your ability to secure or receive a
commitment for the type of loan you specify. If you are coming to your loan interview
without a specified type of loan in mind, be sure you’ve asked OKayLoans.com &
Assoc. to research beforehand to inform you which type of financing is best suited to your
lifestyle and budget.
Mortgage Amount
-This is the amount of money you will borrow. Your requested mortgage amount will be based
on the purchase price of your new home and the amount of money you will be putting toward
a down payment. Before actually applying for a loan, many borrowers find out how much they
can afford by getting pre-qualified by a mortgage lender.
 
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