WI FHA Home Equity Conversion Mortgage Information
Doug MacLeod is a Reverse Mortgage Consultant serving the state of WI. Learn what a reverse mortgage is and the facts behind these great mortgage programs at www.ReverseMortgageWI.com 5 of 5
An FHA loan is a government backed loan the allows a client to get into a property with as little as 3 percent money down. Find out what factors affect FHA loan qualification, including income and credit history, withhelp from a financial specialist in this free video on home loans and money management. Expert: Matthew McKillen Contact: www.innovativefg.com Bio: Matthew McKillen has more than 21 years of industry experience in arranging loans for his clients. Filmmaker: Christopher Rokosz
Categories: Home Refinance Tags: Conversion., equity, Home, Information, mortgage
Feds’ new rules to tackle house debt
Feds’ new rules to tackle house debt
First-time home owners could well be in a bit of a shock when it comes time to renew their mortgages. The federal government tabled a series of new rules Monday aimed at curbing what it sees as the growing problem of household debt.[...]
Read more on Barrie Examiner
Legitimate Work at Home
Ken Smith’s revolutionary Work from Home Program that has taken thousands to financial security! Promote today and earn 75% commission on 3.5% conversion!
Legitimate Work at Home
Categories: Home Refinance Tags: Home, Legitimate, work
Venture Capital, Angel investors & Private Equity investors directory
Get access to more than 4500 investors and over $900 billion in active funds! – Worldwide Venture Capital, Angel investors and Private Equity investors software directory.
Venture Capital, Angel investors & Private Equity investors directory
Home Equity Loans as a Source of Funds
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Home Page > Writing > Non-Fiction > Home Equity Loans as a Source of Funds
Home Equity Loans as a Source of Funds
Posted: Jul 21, 2006 |Comments: 0
| Views: 176
|
Home equity loans have become increasingly popular in the United States in recent years as home values have soared and home equity has rapidily and seemingly effortlessly accumulated. It has become common place for home owners to pull substantial equity out of their homes by using a home equity loan.
Perhaps it has become a bit too easy. Folks who use the equity in their homes to boost their living standards may well be setting themselves up for an eventual unpleasant day of reckoning.
If due to some unforeseen family economic disaster there is a loss of income and the family can’t manage their loan payments there is the risk of losing what is probably their most valuable asset — their home sweet home.
There are times when the use of a home equity loan is justifed and prudent. Perhaps you need the funds to put your children through college. The home equity loan may be the lowest cost funds available.
Perhaps you want to start your own business. The profit potential looks to be exceptional. You feel very confident that your proposed busines will be a success.
There are times when one has to go for it. If the equity in your home can provide the required capital at the lowest cost, well, get on with it.
Generally, the worst use for the additional funds provided by a home equity loan would be to purchase consumer goods that lose a big percentage of their value as soon as they arrive at your home. Forget about buying that new expensive flat screen TV or new big boat if you have to take money from your home to make the purchase.
Another real danger is to use a loan to live well beyond your means. You can burn up a lot of money by taking great vacations to exotic locations around the world and by going out to eat expensive dinners at classy restaurants a few times a week. But once you have consumed your equity you are going to have to go through a painful readjustment process.
It is important to remember that a home equity loan is like any other loan. The lender fully expects you to pay it back with interest. Frequently a lot of interest. As you reach retirement age the equity you took out of your home may well be money that you wish you had left intact.
For most folks, saving money is not nearly as much fun as spending. Using your home equity to go on a spending spree can be tempting. But paying off your home mortgage over time while letting equity accumulate rather than frequently tapping into your home equity like an ATM machine will let you live a lot more comfortably in your retirement years.
This is especially true if like most Americans you haven’t been able to stash away very much cash over your working years.
There are always exceptions to any general rule (Rule: retaining equity in your home is best) and some uses of a home equity loan may well be sound. As long as you don’t get too carried away with your new found “wealth” represented by your increasing home equity and manage to live within your income means you can afford to be flexible in the use of home equity loan funds when an important acceptable use is at hand.
Generally “an acceptable important use” would be to use your home equity to further increase your income with a high degree of certainly that you will achieve a favorable investment outcome, or to take care of a true emergency where life, or the quality of life, is more important than money.
I would recommend forgetting about tapping into your home equity to take that cruise around the world. The cruise would soon be over but your loan will remain. Counting on an ever increasing home value to replace the equity you consumed by taking the cruise may no longer be wise.
Every boom eventually comes to an end and you should ask yourself how you would cope with a flat or declining real estate market.
Yes, contrary to popular believe, it is possible for real estate prices to decline over long periods of time and they occasionally do. A good cushion of equity in your home provides a lot of comfort in a declining market so treat the acceptance, closing, and drawdown of a home equity loan as an important financial decision.
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Gerald Greene -
About the Author:
David is an Internet business developer who works from Thailand. His newest project is Terrific Hotels
Additional Home Equity Loan information may be found at SmartLoanShop.
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Can someone continue to get home equity loans to keep a lien against a property that was quitclaimed to someone else so the new owners cant sell it?
Filed Chapter 13 in 2003 in state of SC, included was home equity loan to BankOne do I still owe them anything? Chapter 13 was paid and discharged
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Article Tags:
home equity loan, loan home equity, home loan finance
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Home Page > Finance > Mortgage > Why you should get a streamline home refinance
Why you should get a streamline home refinance
Posted: Nov 12, 2010
|
Why you should get a streamline home refinance
About the Author
If you are considering refinancing your home mortgage now is a good to do with FHA Home Refinance! Click here for additional free advice concerning FHA Streamline Mortgage Refinance where you get much more details on the various types of FHA loans.
(ArticlesBase SC #3653920)
Article Source: http://www.articlesbase.com/ – Why you should get a streamline home refinance
An FHA home refinance is basically a refinancing of your existing FHA home mortgage loan. This can be a great way for some of you who want to put the equity built up in your home to work for you. This is especially useful if you are in need of some cash. Here, we’re going to take a look at what are your options for a streamline mortgage refinance to consider.
There are currently two main different types of FHA streamline mortgage refinance loans which are the cash out refinancing type and the streamline mortgage refinance. Cash out refinancing enables home owners to take out an additional home mortgage where the equity that they have built up in their home is utilized to get better terms including the interest rates. This particular FHA home refinance option is designed specifically for people who have typical home loans and are looking for a refinancing option.
The FHA streamline mortgage refinance works in similar way, but is made available only to FHA home loan borrowers who are currently sitting in a good standing. The advantages to a streamline home refinance are a streamlined process that has less paperwork and is quicker to complete which enables lower monthly mortgage payments along with better interest rates. The streamline mortgage refinance paperwork specifically translates into not having to submit to a credit check or to verify your income.
Regardless of which streamline home refinance option that you decide upon for your FHA home refinance, the key is for you to first recognize that the FHA can help both FHA borrowers along with typical mortgage borrowers. Whether these FHA homes refinance option is the right choice for you is going to depend on the amount of equity that you have built up in your home and whether you have any normal streamline home refinance qualifications. What many overlook in their enthusiasm to get into this program is that it is generally limited only to those who have been financed by FHA on their original mortgages. If you didn’t get your original mortgage through FHA, there’s not a very good chance that they are going to allow you to take advantage of their Streamline Home Refinance program.
If you find you don’t qualify for Streamline Mortgage Refinance, don’t get discouraged there are many refinance programs on the internet which are very competitive. The first thing to do is to start a search and locate your options. Talk to two or three lenders. You may even find you are better off with a mortgage loan modification. They are designed to meet many of the challenges facing today’s homeowner who feels they need to refinance. There are many qualified companies on the internet offering loan modification. It’s a good idea to put both programs down side by side and compare them. At the end of the day you may be surprised to find that the loan modification actually serves your needs better. Whatever you decide to do, you will know that you have fully researched your options and understand what the best path for you to take is.
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(ArticlesBase SC #3653920)
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About the Author:
If you are considering refinancing your home mortgage now is a good to do with FHA Home Refinance! Click here for additional free advice concerning FHA Streamline Mortgage Refinance where you get much more details on the various types of FHA loans.
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Categories: Home Refinance Tags: Home, REFINANCE, should, Streamline
Mortgage rates fall to fresh lows this week
Mortgage rates fall to fresh lows this week
NEW YORK — The mortgage rate bar is even lower, but few homebuyers are making the jump.
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What happens if we rent out our FHA refinanced home?
We’ve lived in this house for two and a half years and 5 months ago got an FHA refinance. However we may have to rent this house out because of economic problems. Could we get in trouble for this somehow? Our Mortgage is underwater so if they tried to call the loan or foreclose in my opinion that’s their problem…we’re just at that point. Funny thing is we’ve always paid our bills on time and it seems the people who don’t are getting all the breaks.
Categories: Home Refinance Tags: happens, Home, refinanced, rent
Can you refinance a modular home through fha?
can you get a modular home refinanced fha in north carolina. i do not know why you couldn’t because they are built to higher standards than stick built homes .modular homes are built to hud standars not you local codes. if anybody know let me know where you can get this done
Categories: Home Refinance Tags: Home, modular, REFINANCE, Through
Four Ways to Use Your Home Equity for Retirement Income
If you own a house, you can use its equity to improve your retirement income. This article summarizes 4 ways to generate income from your home’s equity.
If you’re scrambling to increase your savings for retirement income, you can put your home’s equity to work for you. You can:
1. Buy down to free up equity to apply to your savings
2. Rent out part of it for income
3. Use it to buy a 2-family to rent out one unit and live in the other
4. Reverse mortgage it for income
*Buy down to free up equity:
With the kids gone, you probably don’t need all the house you have. You can sell it to free up equity you built-up over the years. Of course you’ll still need a place to live, and living in your own house is generally the cheapest way to live if you don’t have a mortgage on it.
Buying down means you’ll sell your house and buy a smaller, substantially less expensive house. If you sold your home for $300,000, you could search for a condo for -say $125,000. Be sure to find one with the amenities you want and with expenses that are easily handled.
Doing so would free up $175,000 of equity. You can add that to your savings for more income. Withdrawing at a safe 4% per year would increase your annual retirement income by $7,000.
*Rent out part of you home for income:
Again, if you don’t need all that house, but want to remain living in it, why not rent out part of it for income. You may want to rehab it so that you have an ‘in-law’ arrangement that includes a separate kitchen and bathroom – and a separate entrance.
The money you spend rehabbing the house would, in large part, increase the house’s value. But you should be able to recover your costs and generate a net positive income from renting it out.
*Buy a 2-family, live in one unit and rent out the other:
Don’t want to rehab? Sell your home and buy a 2-family. Put most, or all, of your freed-up equity into the 2-family then move into one unit and rent out the other.
Some people are bothered by the concept of renting out their property. Don’t be. Just use an agency to find well-qualified renters for you – or, do it yourself. Most people are decent and pay their rents.
While you own your property, its value will keep increasing over the years – as it always has. With little or no mortgage you should easily be able to maintain it through hard times.
*Reverse mortgage your house for income:
A reverse mortgage allows people who are 62 or older to borrow against their home equity. But unlike traditional home mortgages, no payment is due on a reverse mortgage until the homeowner moves, sells or dies.
If the home is sold, any equity that remains after the reverse loan is repaid is then distributed to the borrower or the borrower’s estate. And the loan repayment amount can’t exceed the value of the home.
A reverse mortgages can help a retiree use his home equity for income, to pay bills, and more, while remaining in his home.
Reverse mortgages have many of the same costs as a home purchase loan or refinancing a conventional mortgage. So, you’ll pay an origination fee, up-front mortgage insurance premium (for the FHA Home Equity Conversion Mortgage or HECM), an appraisal fee, and certain other standard closing costs. Usually, these costs are capped and can be financed as part of the reverse mortgage loan.
A reverse mortgage seems ideal for an older person who needs income but wants to stay in his or her home. But unless housing prices are growing fast each year, your reverse mortgage loan will most likely eat up all equity in your home and leave nothing to your children.
Categories: Home Refinance Tags: equity, Four, Home, Income., Retirement, ways