Posts Tagged ‘insurance

When you get FHA Loan when do you pay Mortgage Premium Insurance: up front, as monthy payments or both?

Saturday, February 27th, 2010

Someone told me if I paid upfront I should not be paying monthy premiums, is that right?
Hi “Golferwhoworks”. I really appreciate your answer. I can’t find the answer anywhere and I have spent hours researching it online.

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Remodeling by Allan Butler

Wednesday, February 24th, 2010


If you are interested in buying a house, selling a house, remodeling a house Remodeling By Allan is perfect for you. Take a walk with us through a few houses that Allan has either remodeled or built from scratch. We have remodeled over 50 houses in the last 12 years. (Question to see any of them) Licensed and insured in the State of Minnesota The licenses held include the following: 1.) Residential Building Contractor License. 2.) Certified Lead Abatement Firm, with MN Dept. of Health. 3.) Asbestos Certified. 4.) Licensed in Insurance, Casualty, Property, etc. We specialize in the FHA 203K Remodeling Program CHECK US OUT, YOU WILL BE GLAD YOU DID, I GUARANTEE IT. 612-599-2595, allanbutler@q.com

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Are 2 points for loan origination fee & loan discount normal on an FHA loan?

Wednesday, February 24th, 2010

I am working with a lender on an FHA loan in Orlando, FL. The rate is 5.59 and the Excellent Faith Estimate states that the lender is asking for !.000 for a loan origination fee and 1.000 for a loan discount. Does this mean my 5.59 percent is now 7.59 percent? Is this allowed on an FHA loan? What is the likelyhood of getting a smaller fee elsewhere? I have a list of approved lenders to use- should I contact more and get other estimates. Help!!! This is my first home buy and I’m not sure what to do. I have 20% to place down from grants and gift funds. The excellent faith estimate still lists mortgage insurance…shouldn’t this be unnecessary with 20% down?

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FHA Mortgage Insurance Premium Comparison

Tuesday, February 23rd, 2010


This video is going to illustrate how much of a difference the increased the Up Front Mortgage Insurance will do. It will increase from 1.75 o 2.25%

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Mortgage question. Please help!?

Tuesday, February 23rd, 2010

Which is better? Both are FHA, 30-year fixed mortgages.
One lender is offering 6.25 interest rate with 1 point; the other 6.375 interest rate with no points.

The property is listed at 150k. We’re putting down 3% and having the seller pay closing costs. Taxes are 205.33 a month (NJ), $77.00 a month Association fee. Mortgage insurance is 60.71 a month.

Both have application fees that are comparable. Please help!!!
I am preapproved with both lenders.
I reckon I’ll go with the 6.25 and 1 point since I’m not paying for it. We plot to stay in the home for at least 5 years.

Anyone else?
If the seller is paying the point, why are people saying the higher rate is better?

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