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30 Year Fixed Rate Mortgage The 30 year fixed rate mortgage is one of the most popular and secure home loan options available, especially if you want your monthly payments to be low and never change. Apply now for a 30 year fixed rate mortgage. 15 Year Fixed Rate Mortgage If you’re looking to save … Read more
If you obtained your loan after July 29, 1999, you can request cancellation of PMI when your loan- to-value (LTV) reaches 80%. Cancellation requires that you have a good payment history, the property value has not decreased, and you can certify that there are no liens against your property. Lenders are required (by the Homeowner’s … Read more
A homeowners insurance (or hazard insurance) policy covers loss from damages to your home, your belongings and accidents as outlined in your policy. Mortgage insurance is required if you have less than 20% equity (or down payment) in your home and protects the mortgage lender from losses if a customer is unable to make loan … Read more
While conventional loans (those not backed by a government agency) usually require a minimum down payment of 5%, we also have other low-down payment programs. FHA mortgages are available for as little as 3.5% down. Although FHA loans have the benefit of a low down payment, in many instances, FHA may be a more expensive … Read more