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Richmond FHA Home Lending Requirements

Prior to the introduction of the FHA mortgage program way back in 1934, lending guidelines were inconsistent. Prior to the FHA loan, banks could ask for 30 or 40 percent or more for a down payment. Buyers also had to have a standing relationship with the bank. Mortgage loans were issued for a relatively short […]

Filed Under: FHA Loans Tagged With: AMELIA County FHA Mortgage Limit, Richmond FHA Lender, Richmond FHA Loan Limit, Virginia FHA Loan Pre Approval

Tennessee VA 100% Mortgage Qualifying Breakdown

If you’re one of those lucky Tennessee home buyers that is eligible for the VA home loan program, congratulations. Vets have access to one of the best mortgage options today, offering 100% financing with no mortgage insurance. If you’re eligible and want to know more about the VA loan program, here are some of the […]

Filed Under: VA Loans Tagged With: Knoxville VA Lender, Memphis VA Mortgage, Nashville VA Loan, VA Funding Fee Tennessee, VA Loan Limit Tennessee

Nashville Government Mortgage Offerings 2023

Nashville has many government-backed mortgage programs available today. There are three such programs available and they each serve a different audience. They are the FHA, VA and 100% USDA programs. Conventional loans are those that are issued and guaranteed by the individual lender approving the loan. There is no guarantee of any sort from any […]

Filed Under: General Mortgage Tagged With: Davidson County FHA Limit, Nashville FHA Loan, Nashville VA Loan, Tennessee USDA Mortgage

Roanoke VA Mortgage Refinance Programs For 2023

Veterans in Roanoke have some great VA refinance options available in 2023. Depending on your current needs and equity situation, The VA IRRRL Streamline refinance or 100% VA cash-out could make sense. Let’s take a closer look below at both options available to homeowners in Virginia. VA IRRRL “Streamline” Refinance Mortgage A VA IRRRL loan […]

Filed Under: VA Loans Tagged With: Roanoke VA Mortgage Refinance, VA cash out Roanoke, Virginia VA Refinance Lender

100% USDA Home Loans Naples & Collier County

USDA offers a great option for first-time homeowners in Naples Collier County seeking 100% financing. Buyers just don’t have many options today to purchase a home with NO money down.  In fact, VA and USDA Rural Housing are the only government loan options that still allow Naples buyers to purchase a home with $0 cash […]

Filed Under: USDA Loans Tagged With: 100% mortgage Naples, Collier County USDA Mortgage, Rural Housing Loan Naples, USDA Loans Naples

Beyond Interest Rates, What Buyers Should Look For in a Mortgage?

Getting your financing lined up when starting the home buying process is one of the first things that should be done by any homebuyer. You can speak with a loan officer over the phone who can guide you through the process and even prequalify you over the telephone regarding how much you might be able […]

Filed Under: Home Tips, Mortgage Interest Rate News Tagged With: Lowest home interest rates Florida, Shopping For Best Lender, Shopping mortgage interest rates

Conforming and FHA Loan Limits Increase For 2021

UPDATE: Please find the NEW 2023 CONFORMING LOAN LIMITS UPDATED HERE. Conforming and FHA loan limits are increasing for 2021. The higher mortgage limits will allow home buyers to qualify for more when needed. Below we will break down the latest 2021 loan limits. Please contact Coast2Coast Lending 7 days a week with questions by […]

Filed Under: Conventional Loans, FHA Loans Tagged With: Conventional Loan Limits 2021, Florida FHA Loan Limits For 2021

New Conventional Refinance Fee Delayed Until December

Conventional Refinance Fee Delayed

Homeowners looking to refinance their conventional loan may be aware of a new refinancing fee to be imposed by the Federal Housing Finance Agency (FHFA).  This fee was set to start in September, but will now be delayed. This is good news and provides a window of opportunity for many homeowners who still want to […]

Filed Under: Economic News, Mortgage Refinance Tagged With: Fannie Mae Refinance charge, New Mortgage Refinance Fee, New Refinance Fee, When will new refinance fee start

Purchasing a House Within Your Income Range

Tired of renting? Did someone at work just buy a home and they can’t wait to close? Did you recently get bitten by the “home buying bug?” It happens at some point to all of us. Even if you’re not ready to buy your own home at least you’ve thought about it. But if you’re […]

Filed Under: General Mortgage Tagged With: Debt To Income Ratio Mortgage Limit, Income needed to purchase home, Income Range To Purchase Home

Recent FHA Mortgage Changes – Impact to Buyers

FHA lending limits

The mortgage industry has been going through some rapid changes due to the impacts of COVID-19.  We have witnessed extremely volatile interest rate movements, along with many loan program changes in recent weeks. In this post, we will discuss some recent FHA changes and there impact on buyers looking to purchase a home. FHA Credit […]

Filed Under: FHA Loans Tagged With: Covid 19 mortgage Changes, FHA Credit Score change, FHA Guidelines Coronavirus

Tampa First Time Buyer Programs: Pros and Cons

Purchasing a home can be a little nerve-racking, especially for Tampa first time home buyers. Beyond all mortgage preparation, there are many different people involved in the process. This includes the lender, realtor, closing agent, appraiser, and the list goes on. Applying for a home loan and getting preapproved by a mortgage lender should be […]

Filed Under: First Time Buyer Tagged With: Hillsborough County First Time Buyer, Manatee County First Time Buyer, Pasco County First Time Buyer, Tampa First Time Buyer Programs

VA Home Refinance St. Augustine

St Augustine VA Loan

Veterans in Jacksonville & St. Augustine have some great VA refinance options available in 2020. Depending on your current needs and equity situation, The VA 100% Cash Out or IRRRL Streamline refinance could make sense.  Mortgage interest rates recently reached new all-time low levels and now might be the perfect time for the homeowners still […]

Filed Under: VA Loans Tagged With: Jacksonville VA Loan Limits, St Augustine VA Loan, VA Lender St Augustine, VA Mortgage St Johns County

Different Types of Adjustable Rate Mortgage Programs

ARM and fix rate difference

There are many varieties of mortgage programs today, but all of them fall into one of two categories – fixed or adjustable. A fixed rate loan is pretty easy to figure out, it’s fixed for the life of the loan and will never change. A fixed rate loan is the more popular of the two, […]

Filed Under: General Mortgage Tagged With: Different adjustable rate mortgages, Interest Only ARM Mortgage, Types Of ARM Loans

VA Announces New Changes For Mortgages 2020

VA Funding Fee Increase 2020

VA loans have long offered the best mortgage solutions for eligible Veterans, especially those putting little to no money down. The VA mortgage, along with UDSA Rural Housing remains the last government-insured loans that offer 100% financing.  Low fix interest rates, no private mortgage insurance, and reduced closing costs are just a few of the […]

Filed Under: VA Loans Tagged With: VA Funding Fee Increase, VA Loan Limits Florida 2020, VA Mortgage Funding Fee 2020, VA Mortgage Limits Increased

First Time Home Buyers and IRA Accounts

There are several first-time buyer programs. Many are state or locally sponsored in the form of grants or no-interest loans. A grant is essentially free money. For someone who qualifies for a grant, the funds are issued and as long as the borrowers keep the property for a specific period of time, say for at […]

Filed Under: General Mortgage Tagged With: Can IRA be used for mortgage down payment, IRA For Mortgage Down Payment, Using Retirement Account For Home Loan

Divorce, Separation and Real Estate

No one gets married with thoughts of ending the marriage at some stage later on. It’s a lifelong commitment to live happily ever after, for better or worse. But sometimes things get so bad it’s beyond “worse” and the couple decides to make some changes. When a married couple buys real estate together but later […]

Filed Under: General Mortgage Tagged With: Divorce Mortgage Payment, Home Loan When Divorced, Late Mortgage Payments Due To Divorce, What Happens To Mortgage Divorce

Installment Debt, Revolving Debt and Qualifying for a Mortgage

One of the primary tasks a lender must perform is to determine affordability. A mortgage company must make a reasonable determination that the applicants will be able to afford the new mortgage payment along with associated property taxes and insurance. The mortgage includes both an amount to principal and interest. These four payments are referred […]

Filed Under: General Mortgage Tagged With: Debt and Qualifying for a Mortgage, Debt taken into account for mortgage, What Debt is used for qualifying mortgage

Using Zillow or Similar Site to Value Your Home? You May Be Selling Yourself Short

Zillow was introduced years ago and since then has become a major force in the real estate industry. Zillow isn’t a real estate company although the site shows millions of homes for sale and rent in all parts of the country. Instead, Zillow is a database and draws listings from multiple sources and works with […]

Filed Under: General Mortgage Tagged With: Online home appraisal, Online home price evaluation, Zillow home value accurate

Mortgage Protection Insurance: Is It Worth It?

Have you heard this term? Maybe you got a letter in the mail from a company offering insurance to cover your mortgage? But why would you need mortgage insurance to cover your mortgage? There are a couple of reasons, one is to temporarily make your mortgage payments should you be unable to work and the […]

Filed Under: General Mortgage Tagged With: Mortgage Payment Insurance, Mortgage Protection Insurance

Why Are Discount Points Eligible for an Income Tax Deduction?

There are still several income tax deductions available to the everyday taxpayer. Several years ago, all sorts of interest, including credit card interest, was available as an income tax deduction. During the overhaul of the income tax code way back in 1986, several popular deductions were eliminated. We’ll talk about some of them but it’s […]

Filed Under: General Mortgage Tagged With: Are Mortgage Discount Points Write Off, Income Tax Deduction Mortgage Points, Mortgage Discount Point Tax Deduction, Writing Off Discount Point on Loan

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St. Augustine, FL 32084
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© 2020 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

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