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Iowa IA - Loans & Mortgages :: Refinancing :: Bad credit loans :: First time buyers home loans :: Advice on the best loan for you :: Mortgage advisor

No-Cost Refinancing Questions and Answers

In the olden days, when someone wanted a home loan they walked downtown to the neighborhood bank or savings & loan. If the bank had extra funds laying around and considered you a good credit risk, they would lend you the money from their own funds.

LOAN offers the following home equity loans: Term Combined loan to value 30 Year Fixed (30 year) Up to 100% 15 Year Fixed (15 year) Up to 125% Ready to search for rates?Click here

Conventional loans do not require mortgage insurance with a LTV of 80% or less. And special programs like the FHA, VA, and others may not require any down payment.

FHA HECM and Fannie Mae Home Keeper reverse mortgages are available in every state except Texas from various lenders.

What is escrow analysis? Escrow analysis is the process used to determine if the escrow portion of your payment is enough to pay your escrow items (usually tax and insurance bills) for the coming year. The method and format of the analysis is prescribed by federal regulation. The first step in the escrow analysis process is forecasting or estimating the amounts of each of the escrow items we will pay on your behalf in the coming year. Based on these estimates, we then adjust your monthly escrow collection to insure we will have sufficient funds to pay these bills when they become due. We also determine the current escrow balance needed to pay these upcoming bills, and compare this amount with the balance actually in your escrow account at the time of the analysis. Due to changes in the amount of tax and insurance bills, we often discover there is either a surplus or a shortage in your escrow account.

PITI Principal, Interest, Taxes, and Insurance are the components of a mortgage payment.

The Advantages of Different Types of Mortgage Lenders, continued..