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Anyone buying a home today is well aware of how difficult it is to obtain a loan. It may very well be the most difficult aspect of purchasing a home - getting the funding to do so. Sadly, according to an article provided by CNN Money, FHA lenders are about to make it even more difficult to borrow money to buy a home.
As of April 1st (no April Fools, promise!) borrowers involved in disputes with creditors over debts of over $1000 might not qualify for an FHA insured loan. The credit score might not have much to do with it either. So if you have pristine credit but owe $1000 on a single charge you could be denied your loan.
Before this new standard it was up to the individual lenders to decide whether they would lend to a person in debt or not. You could be fighting a hospital bill or recently been involved in an accident with an uninsured driver etc etc and these might not be considered grounds for denial. However, now a lender must “justify the approval to the FHA and back its decision with documentation”.
This new alteration is part of the “agency’s effort to reduce its risk as it grapples with a depleted reserve fund” that has sunk beneath its legally mandated levels. To help bolster the capital reserve, FHA will now also increase the insurance premiums that it charges borrowers as of April 1st.
According to Tiffany Thomas Smith, the Deputy Press Secretary for the United States Department of Housing and Urban Development, FHA’s parent agency, “It’s a way of protecting consumers from getting into loans they ultimately can’t afford”.
This new requirement will make borrowers with loans in collection (that are at least worth $1000) to either prove they’re making payments, pay off the debt or explain why the loan is somehow wrong with complete documentation. This is all required before they can close an FHA Loan.
With all these new requirements and regulations I’m not surprised so many folks are still sitting on the sidelines of purchasing a home. However, an FHA loan is not the only way to buy a home. For people who owe this kind of money, who are denied elsewhere or have bad credit and don’t qualify, there are hard money loans.
I’m Forest Tardibuono – The Guy in the White Hat – and I am a provider of these types of loans. For more information check out our redisigned website for Sun Pacific Mortgage and Real Estate. We’ve been in business since 1988 and know about loans and Real Estate. Stop in or give me a call for a consultation.
Lynn Tardibuono – Flipper Chick- Real Estate Agent and Co-Owner of Sun Pacific Mortgage and Real Estate.Serving Sonoma County since 1988.Her number is (707)523-2099 and you can also visit our redesigned website at http://www.sunpacmortgage.com Also be sure to like us on facebook! Click this link.
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.