Real estate blog entries tagged with hud by Jeff Belonger -- The FHA Expert.com -- FHA Loans -- FHA mortgages - USDA loans (Infinity Home Mortgage Company, Inc)

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hud: HUD reminds LENDERS not to play with fire !!! - 06/19/09 09:26 PM

If you are a loan officer or a lender that uses deceiving practices, who lies, or who likes to commit fraud.... you better watch out. I haven't heard about this as much in the pass, but HUD seems to be cracking down on those lenders that abuse FHA loans … (10 comments)

hud: FHA / HUD sets standards for Mortgagee Monitoring - 04/09/09 01:43 PM

For many that don’t know, FHA was created by the National Housing Act of 1934. What people need to understand is that FHA doesn’t make the loans, but that they insure the mortgages for the lenders sake. The investors/lenders are the entities that make loans to borrowers. HUD, which stands for U.S. Department … (32 comments)

hud: Buy a HUD home with just $100 !!!! FHA loans made easy.... - 02/21/09 08:17 PM

So, what is a HUD home? It is a home that HUD now owns that was foreclosed upon in which it was an FHA insured property. HUD is then the property owner, in which it trys to sell it to recover the loss on the foreclosure claim. The home has … (15 comments)

hud: FHA loans - FHA mortgages - The difference between HUD & the lenders...... - 02/19/09 08:49 AM

FHA loans in the last 12 months have become one of the most used types of mortgages. There could be several reasons for this......

less money down - 3.5% down lower credit scores - anywhere from 600 down to 550. less than perfect credit no credit at all … (12 comments)

hud: FHA MIP vs Conventional PMI -- The online truths that are false -- Part 1 - 01/11/08 11:18 PM

MIP update as of 10/1/08 -- New Upfront Mortgage Insurance Premium Changes

Educating the consumer is sometimes the simplest in form, but can be so misleading by those that don't do their research or know what they are talking about. I tell people that I am not god nor … (14 comments)

hud: Adjustable Rate Mortgages - FHA Secure mortgages could be your answer.... - 01/05/08 04:38 PM

Could your adjustable rate mortgage be ready to adjust? Has it adjusted and you are now having problems making your new mortgage payments?
As I stated here, the FHA Secure Loan sounds great, but not all will qualify. But you need to a true mortgage professional to make sure that … (9 comments)

hud: Home Inspections vs Appraising the home - 12/22/07 09:53 PM

I have seen many people fail to realize the importance of a home inspection. A realtor or loan officer can't really tell you to get a home inspection or even not to get one. Desiree Daniels mentions that in here, Agents & Home Inspections - Laying the ground work … (16 comments)

hud: FHA & Conventional Mortgages -- Have you been striped of your morals? - 12/15/07 07:15 PM

How many of you know the difference from right and wrong? Know the difference between telling the truth or telling a lie? I will say this, I am not God nor am I perfect. I know when I have lied, when growing up. And I was punished for it. But … (14 comments)

hud: FHA mortgages - FHA loans & things that you need to know about them!!! - 12/08/07 11:58 PM

I had a conversation with my dad this evening because he asked me if I had been paying attention to all of the news in regards to mortgages and the real estate market. This led me to explaining to him about FHA and how it's not used as often. … (23 comments)

hud: Reverse Mortgages - FHA style..... - 12/02/07 12:10 PM

The Reverse Mortgage is not a FHA mortgage, but it is backed by the government / HUD. Reverse mortgages are loans that allow homeowners aged 62 and over to convert their home equity into cash while living at home for as long as they want. It's a great way … (5 comments)

hud: HUD / Down Payment Assistance programs -- DPA & Nehemiah -- Alive for a while.... - 10/02/07 01:11 AM

Down Payment Assistance programs have been halted, but not dead as of yet. These programs have been known as DPA programs and are most used in conjunction with Nehemiah and AmeriDream®, Inc. There are other non-profit companies that have handled the DPA program, but these two are the largest. Personally I … (89 comments)

hud: FHA Secure Loan -- A political move or just being helpful -- The Positives/Negatives - 09/13/07 07:59 AM

The biggest thing to remember is that most of this loan is written under the normal FHA guidelines. The FHA Secure loan program will help some property owners, but not as many as one would think. I will explain this part later.
Now the question has been, who does this really … (17 comments)

hud: FHA mortgages -- What's all the hype? - 08/30/07 08:38 AM

FHA, FHA, FHA....... why are more companies doing FHA now than they did in the last 5 years? In my opinion, this is a good thing, yet a scary thing. Why do I say this? So many lenders and loan officers are now jumping on the band wagon because other financing … (18 comments)

hud: Mortgage Shopping -- The Educated or Uneducated Borrower -- Part 2 of 2 - 08/22/07 11:55 PM

Mortgages --- May it be a FHA, conventional, VA, or a subprime loan, you don't have to have a college education in mortgages or real estate. Yes, it can be confusing at times, especially for first time homebuyers. And what can even make it more confusing is if you are … (20 comments)

hud: FHA Mortgage Insurance Premium & Monthly Mortgage Insurance -- Refunds -- Part 3 of 3 - 08/18/07 11:18 AM

FHA upfront MIP refunds can some what be confusing at times because there are certain dates involved. The refund process has changed about 3 to 4 times in the last 15 years. In part 1, FHA Mortgage Insurance Premium & Monthly Mortgage Insurance, I talked about the basics of the upfront … (10 comments)

hud: FHA Mortgage Insurance Premium & Monthly Mortgage Insurance and how it works -- Part 2 of 3 - 08/17/07 07:08 PM

In the first part, FHA Mortgage Insurance Premium & Monthly Mortgage Insurance and how it works, I talked about how the upfront mortgage insurance and the monthly mortgage insurance worked. After visiting several web sites describing FHA, the mortgage insurance, and who can get these types of loans, I decided to … (5 comments)

hud: FHA Mortgage Insurance Premium & Monthly Mortgage Insurance and how it works -- Part 1 of 3 - 08/16/07 08:59 PM

It's crunch time, especially with today's market. Does this make you hungry? Well, many loan officer's are very hungry and not that busy. Which leaves us to my rant of inexperienced loan officers trying to give their clients a FHA mortgage.
Word of advice : If you find someone giving you false … (15 comments)

hud: An E-MAIL that made my day......... - 08/07/07 10:57 PM

I just wish I could have called it a day after reading this e-mail and just float on cloud 9 the rest of the day. Now I know why I love my job, because of clients such as Rob.
I wrote a post a few days ago, Doctor Doctor, this … (17 comments)

hud: Foreclosure Tips -- How to avoid foreclosure..... - 08/03/07 10:14 PM

Foreclosure can be such a scary word at times. It has become an epidemic in recent years and sometimes it just can't be helped. There are many circumstances that can put you behind the eight ball that have put fear in many Americans. One thing that you can't allow to happen … (50 comments)

hud: FHA Energy Efficient Mortgages -- How can I get one...... - 07/17/07 11:12 AM

Saving money is a great thing in any economy, right? Don't you like to know about the little secrets of cutting corners? How would you like to save over $500 a month just because you improved your home with energy-efficient ideas.
Are you part of the GREEN family now, because not only … (18 comments)

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