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FHA Loan Options: Low Credit Scores, Zero Down Payment & Retiree Financing
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Before you call about removing your mortgage insurance, find out which kind you have. One kind can never be cancelled. If you have lender-paid mortgage insurance, the cancellation and termination rights in the Homeowners Protection Act do not apply to you at all. It’s priced into your interest rate instead of billed monthly, so there’s no premium to remove. It ends only on refinance, payoff, or termination of the loan. Same with FHA loans, you have to refinance to get rid of it. Send this to who
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Save this before you ever talk to a lender 🏠 How to afford a house, in 5 numbers. Somebody in my comments said Gen Z will never own a home, so here's what lenders actually look at. 1. Credit score: many conventional loans want around 620, FHA can go down to 580. 2. Debt-to-income: lots of lenders like it at 36% or less. 3. The 28% rule: lenders like the house payment under 28% of gross income. $5,000 a month means about $1,400. 4. Down payment: FHA can be 3.5%, about $12,250 on a $350,000 house
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There are millions of homes for sale with a 3% mortgage already attached, and you’re allowed to take it over. It’s called an assumable loan. If the seller has an FHA, VA, or USDA mortgage, you can legally step into it at their rate. Their 3% becomes your 3%, instead of a brand-new bank loan at today’s 6.5%. The bank will never point you to it, because a new loan is their payday and a loan you inherit isn’t. You just look for the word “assumable” and cover the gap between the loan balance and the
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