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New Home Loan application articles and tips


Now is a good time to submit good or bad credit home loan applications for multiple home loan lender quotes. Before you apply for a mortgage loan, view national average home loan interest rates and use our mortgage calculator to calculate monthly payments and interest. Learn about a government guaranteed no deposit home loan with no down payment and how spouse credit can affect a joint mortgage loan. Consider all your home loan options before you decide and submit an online application. Browse more home loan resources. Bad credit home loan - Apply for a home loan and stop paying rent. No deposit home loan - Apply for a no deposit, no down payment home loan. Get a new Home loan to purchase the American dream. Home loan lenders multiple quotes with just one application. Mortgage calculator for monthly payments and interest. Mortgage loan for new home purchases, equity, refinancing, 2nd mortgages and more. Joint mortgage loan - How spouse credit affects joint mortgages, and the impact of divorce.

Free Mortgage Loan Tips

Home Buying

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Home Buyers Guide

Mortgage Terminology

New Home Buying Tips

Government Subprime Mortgage Loan Backing

How to get a Mortgage Loan with Poor Credit

Yearly Costs for Maintaining a Home and Mortgage Loan




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Pros and Cons of Mortgage Brokers

Broker Advantages:
*Can Relieve You of Stress - Instead of you having to contact, retrieve and compare the contacts of lenders, a broker saves you the time and hassle by doing that for you, and they are better able to scope out questionable contract terms.
*Can Get You a Better Rate - Mortgage brokers have contact with lenders you may not be aware of to not only get you approved but to get you a great deal.
*May have Access to Special Rates - Some brokers work so closely with certain lenders, that those lenders are willing to pass along extra savings to the borrower when brokers bring them qualified applicants.
*May Reduce or Cancel Some Fees - There are gobs of different types of fees associated with mortgage loans, like origination fees, application fees, appraisal fees, etc. Some brokers may be able to get lenders to waive a portion or all of certain fees. Broker Disadvantages:
*May Not have Your Best Interest in Mind - You may want low interest and few fees, but a broker may earn fees for qualified applicants from lenders whom they will recommend solely to garner those fees.
*Not All Brokers are Equal - Some brokers may pass higher savings to their clients than other brokers do.
*Inaccessibility to Some Lenders - Some lenders simply won't work with mortgage brokers at all. Hence, you won't be able to receive their quotes.
*Cost - Your broker will certainly want you to pay for his services.


Apply for a home loan for bad credit, no credit or any credit (based on lender availability and requirements). Let multiple lenders compete to offer you a new home loan or home refinancing loan.



New Home Loan

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Whether you are a first time home buyer, selling a home to buy a new home or want to refinance an existing mortgage to pay off bills, give us the opportunity to match you with a home loan lender resource in our network.


The online, home loan quote request is secure, safe and easy. We will review your information, including your state of residence, and will try to match you with a potential lender resource.


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First Time Home Buying - Buying a home is a huge step for anyone and there is much to learn. You can either learn smartly, or learn the hard way by making costly and regrettable mistakes.

Consider the type of area you want to live in, and the amount you can afford. You may also want to consider if the homes in that area will be more likely to increase or decrease in value, due to issues such as new businesses or poor road maintance.

Get mortgage education. Learn the industry jargon, know the different types of home loans, and learn about related issues such as home insurance.

To help you determine how much house you can afford, consider getting a Mortgage Pre-Approval. Lenders offer borrowers a pre-qualification letter or a pre-approval letter. A pre-qualification letter states the amount a lender thinks you’ll be able to borrow; but isn't guaranteed.

First Time Home Buyer Programs - There are numerous opportunities for mortgage financing for first time home buyers. Most states have programs tailored for first timers, many of which involve little or no money down, limited credit reference requirements, and free mortgage information to help new buyers navigate the process with success. So called “government loans” can also be a perfect choice. The Federal Housing Administration (FHA) and the Veterans' Administration (VA) offer mortgage programs that have helped millions of people own their first home. FHA programs allow down payments as low as 3% and also allow many buyers to include most of their closing costs in their new loan. For many first timers, having sufficient cash is a major problem, but FHA loans can eliminate this issue. If you are an active or retired military person, you can obtain a certificate of eligibility for a VA loan, which may qualify people for a no money down loan. The VA also provides pre-purchase counseling to give a new buyer valuable information to help simplify the mortgage process.

A government mortgage may be an excellent choice for a first time home buyer. The big advantage is the ability to get a mortgage loan with very little or no money down, as lack of a sufficient down payment is the most common problem for many first time buyers. There are two primary categories of loans commonly referred to as government mortgages:

* Federal Housing Administration (FHA), which is part of the U.S. Department of Housing and Urban Development, usually known as HUD.
* U.S. Department of Veterans Affairs (VA), offering mortgage loans to active and retired members of the armed forces. 

A major feature of an FHA loan, your down payment can be as low as 3% which helps buyers short of cash. In addition, FHA allows you to include your closing costs into your new loan.

The VA, like the FHA, does not actually make loans directly, but guarantees part of the loan to the lender who makes the actual loan. Veterans of military service can obtain an eligibility certificate which is their passport to be able to get a VA loan. Most VA loans require no money down.

The only disadvantage of either of these two programs is a mortgage insurance fee (FHA) and a funding fee (VA). The VA funding fee is two per cent of the mortgage amount (two and three-quarters per cent for reservists), but may be included in the loan at closing. The FHA mortgage insurance costs about one per cent of the mortgage amount. For a first time home buyer, these government mortgage loan programs can be a lifesaver.

Home Purchase Loan Fees - Fees include home loan origination fees, broker fees and fees for your transaction, settlement and closing.

Home Buying In Brief:

  1. Figure out how much you can afford: What you can afford depends on your income, credit rating, current monthly expenses, downpayment and the interest rate.

  2. Know your rights - Fair Housing: Equal Opportunity for All - Borrower's rights - Predatory lending

  3. Shop for a loan - Compare, negotiate - brochure

  4. Learn about homebuying programs - those in your state - FHA loan programs - HUD's special homebuying programs Good Neighbor Next Door - Homeownership for public housing residents - Indian Home Loan Guarantee Program

  5. Shop for a home - features you want - ;location - access to schools, etc

  6. Make an offer on the home

  7. Get a home inspection


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Guaranteed loan for Veterans: Are you a US veteran? Get a VA guaranteed loan. VA guaranteed loans are made by private lenders, such as banks, savings & loans, or mortgage companies to eligible veterans for the purchase of a home which must be for their own personal occupancy. To get a loan, a veteran must apply to a lender. If the loan is approved, VA will guarantee a portion of it to the lender. This guaranty protects the lender against loss up to the amount guaranteed and allows a veteran to obtain favorable financing terms. There is no maximum VA loan but lenders will generally limit VA loans to $240,000. This is because lenders sell VA loans in the secondary market, which currently places a $240,000 limit on the loans. For loans up to this amount, it is usually possible for qualified veterans to obtain no down payment financing. A veteran's basic entitlement is $36,000 (or up to $60,000 for certain loans over $144,000). Lenders will generally loan up to 4 times a veteran's available entitlement without a down payment, provided the veteran is income and credit qualified and the property appraises for the asking price.


Why should you apply for a new home loan: Do you pay rent? Invest your rent money into the ownership of your own home. Not only can you have a place to call your own, being a home owner can also open more financial doors for you. As the equity in your home increases, you can refinance and use the money to pay off bills, send a child to college, go on vacation or use the money for any reason. Owning your own home is a wise investment. Also, you won't have to worry any longer about rent increases. A home can bring stability to a family.


Owning your own home is easier than you think. Before you start browsing real estate listings, apply for a new home loan quote to see how much money your credit rating will allow you to borrow. This can help you narrow down the choices.


Our home loan lenders are ready to offer free interest rate quotes. Apply for a new home loan or for a mortgage refinance loan, regardless of bad credit or no credit.


Get the latest home loan news, and read our home loan articles.

No Fax Payday Loan: No fax payday advances that have instant online approval are sometimes the easiest option for people to get a loan. Many are available without any credit checks or background checks. For those who get approved, the money could be available as quick as overnight. Many do not require a fax, and there are hundreds of online loan applications when financial help is urgently needed. Without faxing any documents, the loan can be from a few hundred dollars up to $1500. This is a loan that can be processed fast and has helped many consumers.


People have had to face a financial crisis with the problems of the economy, and they need money within hours. Fast cash loans from banks can be difficult or near impossible with credit tight. Banks normally require people to have good credit, and they may take weeks to process an application for a loan.


Completing applications online can take a few minutes, and responses can be quick by phone or email. It does not take long to get the application processed. Applicants do not even have to leave home to get an answer. The great thing is, there is no line to stand in, and no people watching you apply for the loan. You can have complete privacy, without people you may know, watching you apply, and without having to meet a loan provider face to face. 


Once the whole process is completed online, the loan may need to be repaid within a month or a couple of weeks. Each company has different requirements. Within that period it can be important to get any finances in order, and try to have some financial discipline. This may help to avoid any further financial situations. These short term loans have helped millions of Americans in a financial crunch get money they needed as fast as possible.


Sometimes the requirements for faxless loans require the applicant to be employed or receive some other regular income. They may require that the person was employed for the last three months or or that they get about $1,000 each month. Also, the applicant must be a US. citizen, and be at least 18 years of age.


An active checking account may be needed to get the money electronically transferred into the account. This can speed things along, once an application is approved. Often, a customer service representative will contact the person to verify any personal details that was provided on the application. It may only take a few hours or less than 24 hours, once approved, to get the money.

Equity 2ndmortgage


There are often circumstances when a homeowner may want to get cash, by applying for a second mortgage loan. This is another loan against a home, when there is already a primary mortgage. The home's equity is used as collateral for the second loan. A second mortgage has less priority than the first, on the identical property. When there is an issue about defaulting on a loan, the original loan should be cleared before paying off a balance on the second loan.


Common reasons for choosing a second mortgage:


* To get money for a business.

* To pay back loans from family or friends.

* To purchase another property.

* To buy large priced items.

* To remodel the home.

* To pay medical debts.

* To pay college expenses.

* To purchase a new or used  auto.

* To pay for a wedding.

* To travel or take a vacation.

* To get money to payoff huge amounts of debts.


How much can be borrowed depends on the equity in the home. The equity is the difference between the current appraised value of the home and the amount that has been paid towards the first mortgage. This could be about 85% of the home’s appraised value. There are some lenders who have allowed people to take out second mortgages equal to 125% of the appraised value. Interest rates on a second loan are higher than the primary loan, because if you default, the first loan would need to be paid first. There is risk involved in offering second mortgages


For second mortgages, there is a choice of a fixed rate or an adjustable rate line of credit. Going for a second mortgage can be helpful if it can be paid, and does not cause a hardship later down the line. A fixed rate allows the funds at a single payment, and a credit line allows advances up to the available credit limit. Credit line payments are determined on the basis of the total credit liability,  even though there may be zero balance on the credit line. A large credit line involves large payments which may have an affect on repaying the second mortgage or other loans.


There are good deals online to get these loans, and comparing lenders could get you more benefits and a lower rate of interest. Lenders usually provide a Good Faith estimate after you apply. This gives a breakdown of the fees involved, so there are no hidden costs. If a Good Faith estimate is not offered, request one.


A second mortgage can cost less than managing a credit card. Figure the costs of the interest rate on the card and compare that to the rate on a second mortgage. Lenders may not allow for a original mortgage refinance when there is already a second loan on the same property, and they may look for the combined loan quantity, even if you refinance only the original loan. Lenders may either ask that both loans be paid or pay down the second loan when you refinance. Sometimes a home equity loan or heloc is not fully tax-deductible, you would need to consult your tax accountant. Check for any prepayment penalties connected with a second mortgage as it could be costly, this is important to know when planning to sell or refinance.


Understanding these loans is necessary to be able to use them in a productive way, when considering getting money for whatever reason. To get started, it can be easy to complete a no-obligation application and get several free quotes from lenders, and compare them. The lender will do an appraisal on the home to determine the current value and go through different steps to process the loan. After this, they can arrange a date for the closing. At closing, there will be notes to sign and other papers as required by the lender. You usually have to pay closing costs like you did on the original loan.


When refinancing the original loan, after getting a second mortgage loan, ask the lender for a subordination of the second loan. This implies the second home loan will be looked at as a junior lien compared to that of the refinance loan. When a subordinate is not done, the second mortgage will be made as the original lien and the refinance loan will receive over the second lien position. In this case, there is less risk with the second loan, but greater risk included with the refinance. As a result, the first mortgage refinance could cost more in interest charges.


Using a second home loan, can allow people the chance to get large sum of money, and it may be a tax deduction. Remember that a 2nd mortgage can have high interest rates, and if you default on the loan, you may lose your home. Review your budget to know how much you can afford to pay, in addition to the primary mortgage.

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