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Appraisal process and USDA /RD loans…one more benefit. - 02/28/11 01:50 PM
So what is the story regarding the appraisal process and USDA loans? USDA loans are not required to go through all the new HVCC appraisal policy as Conventional / FHA loans today. There is no requirement that the appraisal has to be done by a independent third party appraisal management company ( AMC) What does this mean? The mortgage lender or broker can still pick the appraiser they want to use like in the past with all other loans. The appraisals just has to be completed by a FHA approved appraiser (most are today) and meet the normal FHA/HUD requirements. More control (2 comments)
100% USDA home loan and swimming pools - clarification - 02/27/11 12:54 AM
Many assume that swimming pools are not permitted under the USDA 502 guarantee program. Even more buyers/agents may not even be aware that pools can be an issue at all, here is some clarification - First, pools are not a problem with USDA, the problem can be the appraised value of the home. What? How? USDA has a rule that requires appraisers to deduct the value of any pool from the overall appraised value of the home. Example - Home value as is - $200,000 Value of pool alone - $10,000 Appraised value used for qualifying and underwriting - $190,000 Now, (2 comments)
USDA “Guaranteed” Home Loan or the USDA “Direct” Home Loan - what is the difference? - 02/26/11 11:35 PM
Since 2008 most 100% financing mortgage programs here in Florida have all but been eliminated. USDA is the only remaining 100% home loan for civilians. USDA does have two different programs - the " USDA Direct" and "USDA Guaranteed" program. So what is the difference between the two, and what option is best for you? Both USDA programs allow prospective home buyers in qualifying areas to purchase a home with NO down payment and without the additional expense of monthly mortgage insurance. In most cases, the USDA Rural Home Loan is the least expensive loan to obtain and to maintain. Key differences (0 comments)
USDA Closing time frame ? - 02/26/11 11:20 PM
We have been receiving many questions lately regarding the USDA / Rural Development closing times. We have some past blog posts that talk about the USDA closing times as well. In short, yes the USDA home loan closing process typically takes on average 5-10 days longer when compared to other loans ( FHA / Conventional loans) The reason for this is because USDA / Rural home loans go through a secondary approval process with the local USDA office once fully approved by the lender. Once you have a fully approved/ executed sales contract on a home, plan on the USDA closing time taking anywhere (0 comments)
Discover the benefits of a 100% USDA home mortgage - 02/26/11 10:16 PM
Now is the time to discover the benefits of a 100% USDA home mortgage! 100% mortgage financing is hard to find these days, especially in Florida. USDA is one of the only options left. Many people are unaware of the many benefits of the USDA Government backed mortgage. USDA home loans are offered in many areas throught Florida as determined by the United States Department of Agriculture /Rural Development. The USDA's mission is to help lower to mid range income households obtain home loans through approved lenders at reasonable mortgage rates. USDA home loans offer many advantages to qualified borrowers. Some (0 comments)
How can you improve your credit scores? - 02/26/11 10:04 PM
It's almost impossible to change your score in the time between when most people decide to buy a home and when they apply for a mortgage. So the short answer is, you really can't "on the spot." But there are strategies you can live with to make sure when you apply for a loan your score is as high as possible. Make sure that the information each of the three credit reporting bureaus has on you is consistent and up to date. Order a copy of your credit report about once a year, and dispute any inaccuracies. Note: Theoretically, if a (0 comments)
USDA or FHA? which mortgage is the better option? - 02/26/11 09:48 PM
Key differences listed below - FHA- Property can be located anywhere, no income restrictions like with USDA / Rural Development. However, FHA requires a minimum of 3.5% down payment. This does not include any closing costs that can range from 3-6 % of your purchase price. FHA will only lend to you the lesser of the appraised value or sale price of the home. You cannot "roll in" closing costs into your loan if the home appraises for higher than the sale price. Finally, FHA does have a monthly mortgage insurance costs (or PMI) that is added to your monthly payment. (0 comments)
Who is eligible for a USDA home loan? - 02/26/11 09:40 PM
With USDA / Rural Development home loan eligibility there are a few main factors - household income and the property location. Each county in Florida has different household income restrictions. The USDA income limits are based on many factors like - number of dependants, disabilities, elderly, etc. Property location has to be what is determined "rural" by the USDA. You can contact us below to verify and check all your USDA eligibility requirements, each case and person is different, so it's best to have this checked in advance. Remember, you do not have to be a first time home buyer to (2 comments)
USDA Funding 2011 - Florida - 02/26/11 09:36 PM
Just a reminder, the USDA / Rural Development program is funding as normal in 2011 with no funding delays. The current USDA one-time funding fee is 3.5% that is rolled into the loan. The new funding fee will allow USDA/RD funding to continue WITHOUT the interruptions experienced in the past. If you have any questions, please visit our web site for more information at www.UsdaMortgageSource.com USDA Mortgage Source is Florida's top resource for all NO MONEY DOWN USDA / Rural Development home loans. St. Johns county , Bradford county , Sarasota county , Manatee county, and everywhere in between - please visit our (0 comments)
Upcoming FHA MI increase makes USDA that much better - 02/26/11 09:31 PM
The Federal Housing Administration announced that it will be increasing its annual mortgage insurance premium one quarter of one point on all 15-year and 30-year mortgages backed starting April 18th The insurance increase is in response to a congressional mandate that gave the FHA permission to increase premiums and keep its insurance fund liquid. The higher premiums also were outlined in President Obama's 2012 fiscal budget, which estimates the FHA will insure $218 billion in loans during the 2012 fiscal year. After the transition, a borrower holding a 30-year, fixed FHA-insured loan valued at $163,000 will be paying $151 per month (0 comments)
USDA eligible locations in Florida - 02/26/11 09:13 PM
The USDA home loan program is limited to certain eligible areas deemed "rural" by the USDA/Rural Development. We frequently receive questions about the areas in Florida that are eligible for the program. The USDA says that to be eligible a property must be in a rural community of less than 10,000 people, but there are exceptions to this rule. Some areas between 10,000 and 25,000 in population are considered rural due to their distance from urban areas. Broward, Monroe, Duval, Pinellas County and "most" of south Florida (Miami/Dade) are not eligible for USDA financing. The good news is about 80% of (0 comments)
USDA home loan closing costs in Florida? - 02/26/11 09:11 PM
USDA home loan closing costs? What can you or your buyer expect? We have received many questions lately regarding USDA financing and closing costs. Generally speaking, for a new home purchase in Florida the buyer can expect to pay 3 -6% ( of the purchase price) for closing costs and pre -paid escrow requirements. Generally speaking in Florida, the seller will have "customary" closing costs that they are responsible for and the buyer will have the same. Again, these closing costs are "customary" and not set in stone. One of the great benefits of a USDA mortgage is the flexibly it allows (1 comments)
All about 100% USDA/RD home loans in Florida. Serving all of Florida including – Pensacola, Tallahassee, Lake City, Jacksonville, St. Augustine, Palm Coast, Daytona Beach, Orlando, Ocala, Gainesville, Lakeland, Tampa, Winter Haven, Sarasota, Naples, Fort Myers FL
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.