Real estate blog entries tagged with rate by www.DaveYourMortgageGuy.com, FHA, VA, USDA, HomePath, Jumbo

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Home : Blogs : David Krichmar- DaveYourMortgageguy.com : Dave Your Mortgage Guy's Blog : Tag "rate"

rate: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 2/29/12 - 02/29/12 09:14 AM

Here is your weekly interest rate update:
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.25%
FHA 30 year:3.75%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.85%
Conventional 15 year:3.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.65%

Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

… (0 comments)

rate: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 2/15/2012 - 02/15/12 02:02 PM

Here is your weekly interest rate update:
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.25%
FHA 30 year:3.625%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.85%
Conventional 15 year:3.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.65%

Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

… (2 comments)

rate: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 2/1/12 - 02/01/12 10:17 AM

Here is your weekly interest rate update:
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.25%
FHA 30 year:3.75%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.85%
Conventional 15 year:3.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.5%

Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

… (0 comments)

rate: Property Condition Grading Has Changed on all Appraisals. Know your C’s!!!!! - 12/21/11 05:56 PM

Recently the condition assessment on appraisals has changed. Before the condition options were Excellent, good, poor, etc. That has now changed, they are now rated with letter “C” and a number 1 thru 6. It is important to know these ratings or grades and how it can affect your client. Here is the short explanation of each grade:

· C-1 This is a brand new constructed home that has not been lived in
· C-2 This home has no physical depreciation, deferred maintenance or needed repairs. And all work has been done recently and is similar to that of a … (18 comments)

rate: Conventional Loans with NO Mortgage Insurance. A Great Mortgage Option to Know! - 12/03/11 07:14 PM

Many times, Mortgage Insurance can be a necessary evil. You will have mortgage insurance if you get a conventional loan and are putting less than 20% down payment. And also if you go with a FHA loan. But, there is actually another option. And it is the No Mortgage Insurance loan, otherwise known as Lender Paid Mortgage Insurance(LPMI). To off set the lack of mortgage insurance the lender increases the rate(usually around .25% higher). This program is based on guidelines of a regular conventional loan. So you will need higher credit scores(680+).
There are many benefits to this program, here … (4 comments)

rate: 6 Myths that are NOT True about FHA Loans. - 10/24/11 02:39 PM

Even thou FHA loans have become hugely popular in the last 2yrs, I still hear myths about them that are just not true. Here are the 6 most popular myths I hear and the truth:

1. “FHA loans are for folks with bad credit”- This is not true. I do many FHA loans where the client has a 680 score or even higher. There are many benefits to a FHA loan vs a conventional, low down payment, looser underwriting guidelines and many times the FHA rate is even lower. Compared to a Conventional loan.
2. “FHA inspects the Property, … (9 comments)

rate: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 6/15/11 - 06/15/11 11:14 AM

Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 5.25%
FHA 30 year:4.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.15%
Conventional 15 year:3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.45%

Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

… (0 comments)

rate: Your Weekly Mortgage Rate Update For Sugar Land, Katy, Houston, Pearland, The Woodlands, Conroe or anywhere in Texas. 6/8/11 - 06/08/11 11:02 AM

Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.375%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 5.385%
FHA 30 year:4.25%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.15%
Conventional 15 year:3.625%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.5%

Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

… (0 comments)

rate: FHA loans with no credit score In Texas. Min 20% down payment - 03/14/11 05:31 PM

We have just announced that we now allow FHA loans with no credit score. This means clients with no credit score(or one score) are allow to get a FHA mortgage with a 20% down payment. They could also refinance their home with a max loan of 80% of their home's value. Here are the requirements:
20% down payment No credit score or one credit score Min 5 months of Mortgage payment in reserves If Self Employed, must be for 3 years. No Gift Funds, all funds must be the borrowers Interest Rate and fees maybe more then a normal FHA loan the … (0 comments)

rate: The FHA 15 Year Mortgage is an Amazing Program and Will Save You Money!! - 02/07/11 01:23 PM

When getting a mortgage it is important to know all your options. The FHA 15yr mortgage maybe the best option for YOU!. Over the last couple years FHA loans have become very popular. They have more lenient guidelines such as allowing lower credit scores (down to a 580). And they allow higher debt to income ratios, meaning you could buy more home then if you were using a conventional mortgage. Not to mention they only require a 3.5% down payment.
One more benefit of the FHA loan is the aggressive 15 year mortgage they offer. Here are some of the HUGE … (4 comments)

rate: Your Weekly Mortgage Rate Update for Fort Bend, Harris, Brazoria, Montgomery County or anywhere in Texas. 12/15/10 - 12/15/10 12:03 PM

Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 5.425%
FHA 30 year:4.625%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:5.45%
Conventional 15 year:4.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.65%

Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

… (0 comments)

rate: Your Weekly Mortgage Rate Update for Fort Bend, Harris, Brazoria, Montgomery County or anywhere in Texas. 11/24 - 11/24/10 12:35 PM

Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.375%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.875%
FHA 30 year:4.25%
Credit Score:680
LTV:96.5%
loan amount:$200k
APR:5.05%
Conventional 15 year:3.75%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.05%

Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

… (0 comments)

rate: Your Weekly Mortgage Rate Update for Sugar Land, The Woodlands, Katy, Houston, Pearland or anywhere in Texas. 11/10. 3.25% on a 15yr!!! - 11/10/10 12:10 PM

Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.675%
FHA 30 year:4%
Credit Score:680
LTV:96.5%
loan amount:$200k
APR:4.675%
Conventional 15 year:3.25%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:3.875%

Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

… (0 comments)

rate: Your Weekly Mortgage Rate Update for Fort Bend, Harris, Brazoria, Montgomery County or anywhere in texas. 10/27 - 10/27/10 11:37 AM

Here is your weekly interest rate update:
Conventional 30 year Mortgage: 4.125%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.5%
FHA 30 year:4%
Credit Score:680
LTV:96.5%
loan amount:$200k
APR:4.5%
Conventional 15 year:3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.05%

Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

… (0 comments)

rate: Your Weekly Mortgage Rate Update for Sugar Land, Katy, The Woodlands, Pearland, Houston or anywhere in Texas. 10/27 - 10/27/10 11:33 AM

rate: Your Weekly Mortgage Rate Update for Fort Bend, Harris, Montgomery, Brazoria County or anywhere in Texas. 10/20. 3.875% on a FHA 30yr - 10/20/10 03:24 PM

Here is your weekly interest rate update:
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.125%
FHA 30 year:3.875%
Credit Score:680
LTV:96.5%
loan amount:$200k
APR:4.375%
Conventional 15 year:3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.05%

Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

… (0 comments)

rate: Your Weekly Mortgage Rate Update for Sugar Land, Katy, The Woodlands, Pearland, Houston or anywhere in Texas. 10/20. 3.875% on a 30yr FHA - 10/20/10 03:20 PM

rate: Your Weekly Mortgage Rate Update for Fort Bend, Montgomery, Brazoria, Harris County, or anywhere in Texas. 10/13. 3.5% on a 15yr - 10/13/10 12:01 PM

Here is your weekly interest rate update:
Conventional 30 year Mortgage: 3.875%
Credit score:740
LTV:80%
Loan Amount:$200k
APR: 4.125%
FHA 30 year:4%
Credit Score:640
LTV:96.5%
loan amount:$200k
APR:4.375%
Conventional 15 year:3.5%
Credit score:740
LTV:80%
Loan Amount:$200k
APR:4.05%

Call me today if you are thinking of refinancing or buying a home, for the best mortgage rate possible.

… (0 comments)

rate: Your Weekly Mortgage Rate Update for Sugar Land, The Woodlands, Katy, Pearland, Houston or anywhere in Texas. 10/13. 4% on a FHA - 10/13/10 11:57 AM

rate: If Your Credit Score is Under a 640 You May Still be able to get a FHA Mortgage! - 10/11/10 02:18 PM

Many mortgage lenders and banks have recently gone to a minimum score of 640 for FHA loans(down to 620). At Schmidt mortgage we are still doing mortgages for clients who have under a 640 credit score. Obviously, these loans are done on a case by case example. On these loans an underwriter wants to make sure the borrower is a strong client even thou their scores maybe lower. Here are the requirements needed to help you get approved for your mortgage with a score under 640:
A Debt to Income Ratio of 45% of less. This is a calculation of your … (0 comments)

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David Krichmar- DaveYourMortgageguy.com

Sugar Land, TX

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www.DaveYourMortgageGuy.com, FHA, VA, USDA, HomePath, Jumbo

Address: Serving Harris, Fort Bend, Montgomery, Brazoria County, Houston, Katy, Sugar Land, Pearland, The Woodlands or anywhere in Texas!

Office Phone: (832) 689-6012

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