Cuando esté buscando casa de sus sueños, es importante saber exactamente qué tipo de casa que puede pagar. Las instituciones financieras que ofrecen préstamos para la vivienda se pre-calificación, para asegurarse de que usted está pensando en las casas que tienen posibilidades realistas de ganar la aprobación del préstamo para. Una de las cosas prestamistas considerar es la relación préstamo a valor o LTV. La relación préstamo / valor es la cantidad de dinero que un comprador de casa pide prestado para comprar una casa frente al valor de tasación de la casa. Cuanto mayor sea la relación préstamo / valor, el dinero menos un comprador de casa tiene que poner sobre la propiedad. Por ejemplo, un comprador de la vivienda tendría que hacer un pago inicial de 10.000 dólares en una casa de $ 100,000 el 90% de LTV. Las mayores razones de LTV: el prestamista está asumiendo más riesgo al prestar el dinero al comprador. Los prestamistas casi todo el mundo es necesario un seguro de hipoteca en los préstamos con LTV superior al 80%. Si usted está pagando un seguro hipotecario, tenga en cuenta tan pronto como construir por lo menos 20% de las acciones (ya sea a través del milagro de la apreciación o pagando el préstamo hacia abajo), usted tiene derecho a dejar de pagar seguro de hipoteca. Para obtener más información sobre el seguro de hipoteca y VTL, visite Bankrate.com. El sitio ofrece una gran cantidad de información sobre hipotecas, incluyendo una variedad de calculadoras de hipotecas.
Where can I find real estate listings?
How do I find information on properties outside my local area?
How do I know if I'm ready to buy a home?
What should I look for in a neighborhood?
What are the financial benefits of owning a home?
What is the difference between market value and appraised value?
Should I sell my existing home before looking for a new one?
Should I take a first time home buyer program?
What do new home buyers need to know?
What online resources are available to first time home buyers?
What books are available for first time homebuyers?
What types of relocation services do real estate agents offer?
What special issues do I need to consider when relocating?
How do I learn about the area to which I'm relocating?
How do I find a relocation company?
How do I find a moving company?
What should I look for in a reputable moving company?
What types of things should be included in a moving quote?
Who provides the moving supplies?
Should I rent my own moving truck?
What is included in real estate closing costs?
How will I know what my real estate closing costs will be?
What closing information goes into the public record?
Who uses public records, and are they free?
How long will it be before we close on our new home?
What is included in the appraisal?
Why do I need to pay an appraiser?
What information do I need to give the appraiser?
What's included in the appraisal report?
Can I get an appraisal online?
How do I know how much to offer?
Is the deal final once the offer is accepted?
How do I know what fixtures or decorations the seller is taking?
How do I find a commercial real estate lender?
How do I find a commercial real estate broker?
Where can I find commercial real estate listings?
What is the difference between residential and commercial real estate?
How can I get at the equity in my home?
Can I borrow against all my equity?
What can I use a home equity loan for?
How do I know how much equity I have in my home?
What is a first time home buyer program?
What do I look for in a home inspector?
What does an inspection consist of?
Why do I need a home inspection?
What do I get in the inspection report?
Who should get the home inspection?
What is a fixed-rate mortgage?
How long a mortgage should I get?
Can I pay off my mortgage faster?
What is an adjustable rate mortgage?
How do I get the best loan terms?
Should I get an interest only loan?
Who qualifies for no down payment or low down payment loans?
How much of a mortgage can I afford?
How much should I put down on my house?
Is real estate a good investment?
What about buying a vacation home?
Do I have to wait for a buyer's market?
How do I find a licensed real estate agent?
Should I work with a buyer's broker?
How do I pick a real estate agent?
How much will a broker charge?
Can I negotiate the realtor's fee?
What is the difference between a real estate agent and a real estate broker?
How do I get my real estate license?
What services do real estate agents provide?
Should a get a loan with no closing costs?
How long does it take to complete a real estate course?
How do I find a real estate school?
Can I study for the real estate licensing exam online?
What if I'm relocating for my job?
How do I find a first-time buyer's program and should I use it?
The home we are buying is in good condition. Do we still need an inspection?
Can the seller pay for the home inspection?
My new company is offering me a relocation package. What does that include?
How can I use the equity in my home?
How do we go about buying a home?
Should I invest in real estate?
How can I simplify packing and moving?
How do I go about the process of buying a new home?
Guru Spotlight |
Barbara Gibson |