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Foreclosured homes have become a major segment of the home sales market. For many home buyers, purchasing a foreclosure property means buying a Great Deal. As with any home, buyers should be informed about the price, the neighborhood, and the condition of any property they are considering to buy.
Another important consideration about purchasing a foreclosure home is the available financing. With financing, not every foreclosure property is equal. Buyers should be aware what lender owns the home, and if there are any special financing options available.
FHA and FNMA offer special financing. Many other foreclosure sellers do not offer special financing. Sometimes it can be difficult to purchase a foreclosure property, especially if there are condition issues.
FHA offers a great HUD foreclosure program, with $100 down payment. Regular FHA loan terms apply, which means the buyer can take advantage of the exceptionally low interest rates that FHA offers.
There are two basic HUD $100 Down Payment programs. If the property is in acceptable condition, you can use the regular FHA purchase option. If repairs are needed, you can still participate in the $100 Down Program but with a repair escrow.
These funds, up to $5000, will be used to make identified repairs, after closing your home purchase.
This is one of my favorite loan programs. You can search for a HUD home here.
FNMA offers special financing with their HomePath program. These loans feature low down payments. One feature that many buyers like is that the loan does not have mortgage insurance. This is true but the interest rate tends to be a little higher.
FNMA also will allow after closing renovations, which can be an excellent option for someone purchasing a HomePath home.
Understanding your financing options is an important part of any home purchase decision. And it is especially important for those home buyers who are considering purchasing a foreclosure home.
Thank you for visiting. This is the professional blog for
Richard Smith NMLS# 184479 TN# 40161 GA# 28928
Conventional, FHA, FHA 203k, HUD $100 down purchases, VA, Jumbo VA, Rural Development, Jumbo, FannieMae Homepath, Home Equity Line of Credit (HELOC). Lending in Chattanooga, Tennessee and Georgia for over 20 years.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.