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FHA premiums are going up Sep 7. The upfront premium (added to the loan amount) will DECREASE from 2.25% to 1.00%. The annual premium (1/12th added to te monthly payments) will INCREASE from 0.55% to 0.90%. A quick calculation tells us the break even (equivalent) is approx 3.5 years. More below. Read more. /// Jumbo rates are jaw dropping low, as low as 2.75% and 3.35% for 3/1 and 5/1 ARMS /// Make it a good week folks. - Paul
FHA vs Conventional vs Portfolio
"FHA" is a loan insured by the Federal Housing Administration, "Conventional" is a loan that is not underwritten by a government agency, and "Portfolio" is a loan that is underwritten based on unique lender criteria, is kept as an investment, and is not sold in the secondary market.
The FHA MI premium increase makes conventional loans more attractive: No upfront premium, and a lower annual premium (rarely over 0.65%). The choice is not that simple because the underwriting criteria different, and for private MI you need a 680 score. There are other implications, but I'll wait until the details are out. And then there is the Portfolio option. NO MI, max 90% LTV, only 620 Fico needed. Rates: 0.50-1.25% higher. 720 score for best rate. If nothing else, the choices are less likely to be self-evident and need to be carefully evaluated.
Where is the appraiser? I get the question often because it gives the impression that a loan is delayed for some reason. We used to order the appraisal AT TIME OF APPLICATION. Due to the (many) regulatory changes this year, the appraisal is now ordered AT TIME OF ORIGINATION, when all documentation is in place for underwriting. No delays...
Where will prices rebound most by state? A housing market rebound seems tenuous following the expiration of the home buyer tax credit, and consumer confidence remains weak due to lackluster employment, but David Stiff, chief economist at Fiserv, says the bottom is near. Read more
- Formal same day approvals (subject to verifications) - Direct lender for FHA, Fannie, Freddy, VA, USDA, Homepath, other loans
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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.