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2023 VA Cash-Out Refinancing Rates and Guidelines
Program for VA Cash-Out Refinancing The VA cash-out refinancing offers extraordinary advantages. It can enable you to access your whole home's equity. Veterans can use the VA cash-out refinance even if their current mortgage is not a VA loan. This...
How to Shop for and Compare Refinancing Rates: Seven Stages
How to Obtain the Best Refinancing Rate As mortgage and refinancing rates return to normal levels in 2022 after reaching historic lows in 2021, it is more crucial than ever to bargain for the lowest deal. So, how do you achieve this? With the...
VA IRRRL Guidelines and Rates: VA Streamline Refinance 2023
What is VA IRRRL? The VA IRRRL is an easy method to refinance your existing VA loan into one with a reduced interest rate and monthly payment. IRRRL is the abbreviation for "VA Interest Rate Reduction Refinancing Loan." This lending scheme is known...
FHA Streamline Refinance: 2023 Rates and Requirements
The FHA Streamline Refinancing Program If you have an existing FHA loan, the FHA Streamline Refinance is the most straightforward approach to obtain a reduced interest rate and monthly payment. The FHA Streamline program is a "low-doc" refinancing...
2023 FHA Cash-Out Refinancing Guidelines and Mortgage Rates
What Is an FHA Refinancing With Cash-Out? The FHA cash-out refinance allows you to refinance up to 80% of your home's value in exchange for cash. As with other cash-out refinancing options, FHA cash-out refinancing involves taking out a larger loan...
HARP Replacement Programs: Refinance Alternatives for 2023
Programs to Replace HARP for Homeowners In response to the housing crisis, the Home Affordable Refinance Program (HARP) was formed to allow homeowners with little or no equity to refinance. Thankfully, property prices have increased gradually over...
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How to Prepare for Your Real Estate Closing
When you have a real estate closing, what happens is the legal ownership of a house is transferred from the seller to the buyer. All appropriate home loan documents are signed for purchases being financed with a mortgage. After signing your...
What Is Cash to Close: How to Pay It and Avoid Fraud?
Exactly What Amount Do You Need to Bring to Close On Your New Home? Cash to close is an expression of a very complex amount of financial engineering. It really doesn’t have anything to do with the money you have in your wallet. To simplify it, cash...
When Closing on a Home, What Is the “Recording” Process?
A home purchase is a public transaction. Recording means you are filing your mortgage/ deed with the county The document will then be stamped with a date and time, it is usually uploaded for the public When signing your final documents at closing...
Appraisal Repair Requirements for FHA, VA, and USDA Home Loans
FHA, USDA, and VA Appraisal Rules Government-backed loans like FHA, VA, and USDA will likely require an appraisal and possible repairs before your mortgage loan will be approved. The priorities for the appraisal and repairs are: Structural...
How an FHA Appraisal Works
The Department of Housing and Urban Development (HUD) has set minimum property standards that FHA appraisers have to adhere to. The FHA appraisers must consider security, soundness, and safety: The FHA appraisal provides more protection for the...
Should You Skip the Home Appraisal?
Believe It or Not, Home Appraisals Are Not Always Required. Home appraisals are important for buyers and protect them in the long run. The appraisal will make sure you are paying a fair price and it also protects your mortgage lender against...
What Happens When Your Home Is Appraised Below the Purchase Price?
When Your Property Is Appraised Too Low No matter your situation- selling, refinancing, or buying- if a home appraisal comes back too low, it could put the entire loan on hold. If this situation occurs, what do you do next? Do you get another...
What Is a Home Appraisal? Here Is the Home Appraisal Process and Cost
Home Appraisals Are Not Only Important, They Are Also Required A home appraisal will determine the market value of a potential property to make sure you are not overpaying for it. Appraisals are to protect the mortgage lender and the buyer; most...
What Is the Difference Between Pre-approval and Pre-qualified? Which One Should You Get?
Getting a pre-approval will allow your lender to dig deeper into your finances to verify your credit, income, and assets. How do you get a pre-approval and when should you get one? If you are looking to buy within six months, you should start...
Does Getting Pre-approved for a Mortgage Take a Long Time?
Exactly How Long Does Getting Pre-approved Take? The first step in buying a home is to get pre-approved first, then you can house shop. The first thing you should do once you decide you want to buy a house is to get pre-approval. It’s something...
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