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CURRENT MORTGAGE RATE

2008 Conventional Loan Limits:

  • $417,000 for single family mortgage
  • $533,850 for mortgages on two-family properties
  • $645,300 for mortgages on three-family properties 
  • $801,950 for mortgages on four-family properties
  • Note: The limit in designated high-cost areas ·Alaska, Guam, Hawaii and the U.S. Virgin Islands ·will be 50 percent higher for first mortgages.

2008 Jumbo Loan Limits:

  • above $417,000 for single family mortgage
  • above $533,850 for mortgages on two-family properties
  • above $645,300 for mortgages on three-family properties 
  • above $801,950 for mortgages on four-family properties
  • Note: The limit in designated high-cost areas ·Alaska, Guam, Hawaii and the U.S. Virgin Islands ·will be 50 percent higher for first mortgages.

 

Loan Programs:
        
1031 Exchange Financing    Commercial Loan Mobile Home Loan Seller Carryback
1% Loans Cash out Loan Manufactured Home Loan Stated Income Loan
Auto Loan Debt Consolidation No Documentation Loans   Subject To Finance
Adjustable Rate Mortgage (ARM) FHA Loan No Cost Refinance Self Employed Loan
Assumption Mortgage Hard Money Loan Negative Amortization Loan Timeshare Loan
Bad Credit Loan Home Equity Loan Participation Loan TownHouse Mortgage
Bi-Weekly Loan Home Improvement Loan Personal Loan VA Loan
Blanket Loan Interest Only Loan Pay Option ARM Loan Wraparound Mortgage
Boat Loan Investment Property Loan Payday Loan 2nd Mortgage
Business Loan Jumbo Loan Purchase Loan 80-10-10 Loan
College Loan Land Loan Refinance Loan 80-15-5 Loan
Condominium Mortgage Land Contracts Reverse Mortgage 80-20 Loan
Conforming Loan Lease/Option Financing Streamline Refinancing 125% Loan

 

Mortgage Basics:
 
Chapter 1: Chapter 2:

How much house can you afford?

Adjustable-rate mortgages

Homeownership: the good, the bad, the in-between

Deciding between an ARM and a fixed-rate mortgage

Should You Buy or Rent

Fixed-rate mortgages

Summary

            

How Mortgages Work: Understanding the key elements

     

Which type of lender is right for you?

Other types of mortgages

Subprime

Summary

 
Chapter 3: Chapter 4:

Your credit score

The good faith estimate

Down Payment

Inspection and Insurance

How lenders set rates

Necessary paperwork for a buyer

Low down payments

Other lender paperwork

Mortgage insurance

Paperwork and fees

What determines your mortgage payment

Prequalification and preapproval

Mortgage Points

Special circumstances

Summary

Summary

 
Chapter 5: Chapter 6:

Ten questions to ask

Closing: Understanding the closing process

Turned down for a mortgage

Escrow

Underwriting

Summary

What lenders ask

Summary

 
Chapter 7:

After closing: When your mortgage is sold

Avoiding foreclosure

Paying ahead

Payment changes

Refinancing

Removing mortgage insurance

Summary

Learn about specific loan program:

 

Alabama Mortgage
Alaska Mortgage
Arizona Mortgage
Arkansa Mortgage
California Mortgage
Colorado Mortgage
Connecticut Mortgage
Delaware Mortgage
District Of Columbia Mortgage
Florida Mortgage
Georgia Mortgage
Hawaii Mortgage
Idaho Mortgage
Illinois Mortgage
Indiana Mortgage
Iowa Mortgage
Kansas Mortgage
Kentucky Mortgage
Louisiana Mortgage
Maine Mortgage
Maryland Mortgage
Massachusetts Mortgage
Michigan Mortgage
Minnesota Mortgage
Mississippi Mortgage

Missouri Mortgage
Montana Mortgage
Nebraska Mortgage
Nevada Mortgage
New Hampshire Mortgage
New Jersey Mortgage
New Mexico Mortgage
New York Mortgage
North Carolina Mortgage
North Dakota Mortgage
Ohio Mortgage
Oklahoma Mortgage
Oregon Mortgage
Pennsylvania Mortgage
Rhode Island Mortgage
South Carolina Mortgage
South Dakota Mortgage
Tennessee Mortgage
Texas Mortgage
Utah Mortgage
Vermont Mortgage
Virginia Mortgage
Washington Mortgage
West Virginia Mortgage
Wisconsin Mortgage
Wyoming Mortgage

 
 

Mortgage Rates

 Mortgage Rates

Show All
2007 :: August September October November December
 
• Freeze ARM - Mortgage Still Too Early to Recover
The Government's plan for stemming the foreclosure rot by freezing ARM is being implemented with certain difficulties, as declared by various financial institutions’ recent mortgage surveys. Apparently, the proposal is to freeze the interest of the Adjustable Rate Mortgage (ARM). Some major tenets of this plan were like the following
  
  
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