The Four Paths to Home Ownership
Right now may be the best time in History to buy a home. Prices are low and interest rates are very low. Almost everyone agrees inflation and high interest Rates are coming. Prices for homes will go up and affordability will go gone.
Now is the time to get into a home and lock in a long term low interest rate loan.
I know for many it is a challenge, but there are four ways to get into a home at little cost:
- FHA is the most popular. These loans require only 3.5% down and you can use a credit for closing cost. What I like about FHA is that it is an assumable loan. If you sell your home at some point in the future it will be an attractive buy as the buyer can help pay for his new home by assuming that low interest rate loan you have locked in. You need to go FHA ASAP, next month the Mortgage Insurance Charges on FHA go up.
- VA Loans. If you are a veteran and qualify this is a great loan program. You can get a closing cost credit when you use this loan.
- Cal FHA is a state sponsored lending program that takes 3% down, but you can also borrow closing cost, get a second on part of the down and get closing cost credit. This one has been gone for a while but is now back. For details I will have to send you to a lending partner.
- Homepath. If you want to buy a Fannie Mae owned home you can use Homepath and get the home for 3% down and ask for closing cost credits. No appraisal required and no Premium Mortgage Insurance.
Now is the time to act. Call me to determine which is the best program for you! or e-mail me now!
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Where is Home Point Real Estate?
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Does Home Point Real Estate Handle Bank Owned Homes?
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What if I am in Foreclosure, having Mortgage Trouble, or Want to Short Sale my Home?
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