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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

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