Home Mortgage Insurance U.S.

FCIC: The Guide to Single Family Home Mortgage Insurance Return to Federal Citizen Information Center Home Page Printer-friendly page -- Guide To Single Family Home Mortgage Insurance U.S. Department of Housing and Urban Development Office of Housing Office of Single Family Housing www.hud.gov espanol.hud.gov Revised February 2005 Becoming a Homeowner Many people in the United States dream of owning their own homes,but few are able to pay cash for them. Many individuals and families whocould not otherwise afford to own a home become homeowners with thehelp of the Federal Housing Administration (FHA) mortgage insurance programs. FHA is a part of the U.S. Department of Housing and Urban Development (HUD) . One of the chief purposes of FHA is to help people obtain financing to buy their homes. This booklet can help homebuyers understand how they can make use of FHA mortgage insurance programs. It explains: How FHA mortgage insurance works Who can get FHA mortgage insurance How to shop for a HUD-approved lender How to apply for an FHA-insured mortgage loan What restrictions apply to FHA-insured mortgage loans Buying a home is the biggest single purchase that most people will make in their lifetimes. Most people borrow money through a mortgage loan to buy a home. Some people reduce the amount of money they borrow by making a large downpayment on the loan to buy a home. Persons who do not have money for a large downpayment may need the help of an FHA-insured mortgage to get a loan. MortgageA legal document that promises a property to the lender as security for payment of a debt. Here is more information about mortgage loans. DownpaymentThe part of the purchase price that a buyer pays in cash and is not included in the mortgage. How FHA Mortgage Insurance Works FHAs mortgage insurance programs help low- and moderate-incomeindividuals and families obtain financing to buy homes or refinance theircurrent mortgages. FHA mortgage insuranceallows a homebuyer to make a low downpaymentand get a mortgage loan for the balance ofthe purchase price. The mortgage loan is made by a HUDapproved lender, such as a bank, mortgage company, or credit union. FHA insures the mortgage and pays the lender if the homebuyer defaults on the loan, or fails to repay the loan. FHA/HUD does not make direct loans to people who want to buy, build, or refinance homes. Who Can Get FHA Mortgage Insurance If you are buying a home, refinancing a mortgage for a home youalready own, or making home improvements, you may qualify for anFHA-insured mortgage. In fact, almost anyone who has a satisfactory credit record, enough cash to close the loan, and sufficient steady income to make monthly mortgage payments can be approved for an FHA-insured mortgage. There is no upper age limit and no certain income level required, although individual mortgage amounts are limited by law. Generally, homebuyers must live in the home in order to get an FHA-insured mortgage loan. The program is not open to investors. To find a HUD-approved housing counseling agency near you, call the HUD housing counseling and referral line toll-free at 1-800-569-4287 or visit the HUD website at www.hud.gov . To find a HUD-approved lender , search online at www.hud.gov . You can also find lending institutions in the yellow pages of the telephone directory under the heading Mortgages. To find out if you qualify for an FHA-insured mortgage loan, youshould visit a HUD-approved housing counseling agency or a HUD-approved lender , such as a bank, credit union, or mortgage company. The housing counselor or lender will look at certain information about your income and spending to determine if you qualify. Federal law prohibits housing discrimination based on your race, color, national origin, religion, sex, family status, or disability. How FHA Mortgage Insurance Can Help You Whether you are buying a home, making home improvements, or refinancingyour current mortgage, you should work with a HUD-approvedlendersuch as a bank, a mortgage company, or a credit unionto applyfor a mortgage loan.Once your loan isapproved, FHA willinsure the loan and paythe lender if you defaulton the mortgage.Because the lender isprotected by this insurance,the lender cangive you better termson your loan. A lower downpayment Some lenders require borrowers to pay 10 percent or more of the price of a home in cash as a downpayment. With FHA-insured mortgages, your downpayment can be as low as 3 percent. The lender will likely require you to prove that you have enough money for the loan downpayment. Use of cash gifts toward downpayment With an FHA-insured mortgage, under certain circumstances you can use a gift from a relative, a local nonprofit organization, or a government agency for all or part of the downpayment and closing costs. The Kinds of Homes Covered by FHA Mortgage Insurance FHA-insured mortgages are available in urban and rural areas for: Single family houses Houses with two, three, or four units Condominium units Houses needing rehabilitation In addition, FHA-insured mortgages are available for reverse mortgages for seniors, called a Home Equity Conversion Mortgage . To make sure that its programs serve low- and moderate-income people, FHA sets upper limits on the dollar value of the mortgage loan. These limits change every year and vary by city and state. Check with a local lender or look online on HUDs website, www.hud.gov . Shopping for an FHA-Insured Loan Since buying a home is one of the most important purchases you willmake in your lifetime, HUD recommends you visit a HUD-approved housing counseling agency where a counselor can help you compare loansand give you homebuying tips. You can find counseling agencies by callingthe HUD housing counseling and referral line toll-free at 1-800-569-4287 or visiting the HUD website at www.hud.gov . You can also findHUD-approved lenders on the HUD website. Your house hunting and homebuying experience can be easier when you become pre-qualified for a loan. To become pre-qualified, you will complete a pre-qualification loan application. When a lender pre-qualifies you, the lender tells you the maximum amount of money you can borrow to buy a home. With that information, you can spend your time looking at homes that you can afford rather than ones that are too expensive. Some lenders may charge a fee for pre-qualification, so you should ask about fees and compare two or more lenders. You should shop for an FHA-insured mortgage loan the same way you shop for any high-cost itemcompare prices and features. The cost of getting a mortgage can vary from one lender to another, so compare these features when you are comparing lenders: Interest rate Discount points Closing costs and other fees Annual percentage rate FHA/HUD does not set the amounts for the above factors. You can negotiate with the lender and come to agreement on the interest rate, points, and most processing fees. Interest Rate You can negotiate with your lender on the interest rate that you will pay for your mortgage. Interest rates fluctuate daily, depending on conditions in the mortgage market. FHA recommends that you check with several mortgage lenders to make sure you get the best interest rate available. Discount Points Lenders can charge you discount points when the interest rate is lower than the yield required by investors who buy mortgage securities. A discount point is $1 for every $100 of the mortgage loan amount. The number of points charged varies in different places at different times and among different lenders. Discount points for an FHA-insured mortgage may be paid by you as the homebuyer, by the homebuilder, or by the person selling the house. Closing Costs and Prepaid Items When your loan is finalized, you will have to pay closing costs. Closing costs are costs in addition to the price of the property that are paid when you close your loan to cover the transfer of ownership. A mortgage loan is made up of two parts: principal and inter- est. Principal is the amount of money borrowed to buy your home. Interest is the amount paid for the privilege of borrowing the money and paying it back later, usually over 30 years. When the borrower pays the mortgage each month, some of the amount goes toward paying the principal and some toward interest. Equity is an owner's financial interest in a property. It is the difference between the amount still owed on the mortgage loan and the fair market value of the property. Closing costs are generally made up of thefollowing: Closing agents or attorney fees Interest paid from date of closing through the end of the month of closing Loan origination fee to cover lender administrative costs Credit report fees Appraisal fees Recording fees Survey fee First mortgage insurance premium Title insurance (yours and your lenders) Certain of these closing costs, as well as certain of the prepaid items listed below, may be paid by the seller, or shared between the borrower and the seller, depending on the terms of the sales contract. Prepaids are advance payments (property taxes, first annual premium for homeowners insurance, etc.) made at closing by the borrower that may be placed in an escrow account and used by the lender to pay these bills as they become due. The property tax you will pay is the amount that the state or locality, or both, assesses as a tax on your piece of property based on the value. While the property taxes due at closing are usually covered in your prepaids, your mortgage payment will also include an amount to pay future taxes as assessed by your state or locality. These tax rates vary by area and typically increase over time. Homeowners insurance combines hazard insurance and lia- bility insurance. Hazard insurance covers property damage caused by fire, wind, storms, and other similar events. Coverage for earthquakes and floods may or may not be included with hazard insurance, and you should check with your insurance carrier to determine if this is included in your policy. Liability insurance coverage protects you against claims alleging negligence or inappropriate action resulting in bodily injury or property damage. Annual Percentage Rate The Truth in Lending Act requires the lender to tell you the annualpercentage rate (APR) charged on your home mortgage. The annual percentagerate is calculated by adding the interest rate, the discount points,the initial service charge, the premium paid to insure the mortgage, andcertain other charges collected by the lender. The APR is not the sameas the mortgage loan interest rate. The Cost of FHA Mortgage Insurance When you get a mortgage loan insured by FHA, you have to pay an up-front insurance premium, which can be included in the loan you get through a lender. You will also have to pay a monthly insurance premium that is added to the regular mortgage payment. FHA uses the premiums to pay the lender if you default on your mortgage. The Importance of Getting a Home Inspection Buying a home is one of the most important purchases you will make in your lifetime, so you should be sure that the home you want to buy is in good condition. A home inspection is an evaluation of a homes condition by a trained expert. During a home inspection, a qualified inspector takes an in-depth and impartial look at the property you plan to buy. The inspector will: Evaluate the physical condition: the structure, construction, and mechanical systems. Identify items that should be repaired or replaced. Estimate the remaining useful life of the major systems (such as electrical, plumbing, heating, air conditioning), equipment, structure, and finishes. After the inspection is complete, you will receive a written report of the findings from the home inspector, usually within five to seven days. FHA does not guarantee the value or condition of your future home, and FHA does not perform home inspections. If you find problems with your new home after closing, FHA cannot give or lend you money for repairs, nor can it buy the home back from you. Thats why it is so important for you, the buyer, to get an independenthome inspection. You should remember that an inspection is differentfrom an appraisal, which also will be performed as part of the mortgageprocess. Ask a qualified home inspector to thoroughly examine the physicalcondition of your future home and give you the information you needto make a wise decision. Information Resources You may want more information for yourself, your family, or others.The following services are available to help you. Internet www.hud.gov or espanol.hud.gov HUDs website contains comprehensive information about homebuying, homeownership, selling a home, making home improvements, and other housing-related topicsin English and Spanish. HUD-Approved Housing Counseling Agency Locator HUD supports a network of approved housing counseling agencies that provide counseling services across the nation. For a complete list of HUDapproved agencies in your area, call the HUD housing counseling referral line toll-free at 1-800-569-4287 or visit the HUD website at www.hud.gov. HUD-Approved Lenders A searchable database of HUD-approved lenders, including banks, mortgage companies, and credit unions, is available on the HUD website at www.hud.gov. HUD Customer Service Center 1-800-767-7468 (TTY: 1-800-877-8339) https://webapps1.hud.gov/dds/ Most of the information products developed by HUD are available from HUDs Customer Service Center by calling toll-free 1-800-767-7468 (TTY: 1-800-877-8339) weekdays between 8:00 a.m. and 5:15 p.m. EST. Written requests should be addressed to: U.S. Department of Housing and Urban Development Customer Service Center Room B-100 451 Seventh Street, SW Washington, DC 20410 You may fax requests to (202) 708-2313. Return to Federal Citizen Information Center Home Page Printer-friendly page --

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Google Directory - Regional > North America > United States > Florida > Business and Economy > Real Estate Directory Help Search only in Real Estate Search the Web Real Estate Regional > North America > United States > Florida > Business and Economy > Real Estate Go to Directory Home Categories Appraisers (6) Architects (4) By County (67) By Locality (368) Commercial (6) Florida Keys (13) For Sale By Owner (2) Fort Myers-Naples (31) Gainesville Metro (8) Horse Farms (1) Jacksonville Metro (26) Miami-Fort Lauderdale (41) Mortgages (2) Orlando Metro (69) Panama City Metro (20) Pensacola Metro (20) Rentals (5) Residential (7) Tampa Bay Area (103) West Palm Beach-Fort Pierce (33) Related Categories: Regional > North America > United States > Business and Economy > Real Estate (413) Regional > North America > United States > Regions > South and Southeast > Business and Economy > Real Estate (44) Web Pages Viewing in Google PageRank order View in alphabetical order The New York Times: Florida Real Estate Listings - http://www.nytimes.com/top/classifieds/realestate/locations/florida/index.html Listings for vacation rentals, home rentals, condos and homes for sale in South Florida, Orlando, Tampa, the Keys, and throughout the state. May require free registration. Maronda Homes - http://www.maronda.com/ Developer of new home communities in areas including Orlando, Melbourne, Jacksonville and Tampa as well as in Ohio and Pennsylvania. Map of projects with links to site plans and floorplans. Employment. Florida Housing Data Clearing House - http://www.flhousingdata.shimberg.ufl.edu Provides a number of sources of housing data in formats that may be used as a basis for local planning, state-level policy-making, and increased public understanding of housing supply and demand. Reports and data. Florida Living Network - http://fl.living.net/ Search by full or partial name, city or town, and specialty. Search returns names, addresses and phone numbers of all agents and brokers licensed by the state of Florida. Link to clickable national map and comparable sites in other states. Casto Southeast - http://www.castosoutheast.com/ Developer of retail and mixed-use projects in Sarasota and statewide. News, history, map of projects. All Florida Realty Services, Inc. - http://www.allfloridarealty.com/ Provides real estate services with offices through much of the state. Information on property listings and purchase process. ELSA Home Inspections, Inc. - http://www.elsahomeinspections.com Provides residential inspections. Includes company overview, services, rates, FAQs. Serves several metro areas across the state. Prudential Florida WCI Realty, Inc. - http://www.prudentialfloridawcirealty.com/ Residential and commercial real estate, with more than twenty offices in the southern half of Florida. Investments Real Estate & Management - http://www.irm-orlando.com/ Information for buyers and sellers, along with related service. Includes list of agents and online chat. Offices in Orlando and Aventura. Real Connection - http://realestatece.com/ Details on continuing education and licensing courses through distance learning. United Country Investment Realty - http://www.unitedcountryinvestment.com Offers residential and commercial services. Search MLS, view company profile. Offices in Odessa, Melborne Beach and Wauchula. The Meek Companies - http://www.meekcompanies.com/ Developer of medical office buildings, diagnostic centers, healthcare parks and dental offices. Florida Luxury Real Estate - http://www.floridaluxuryrealestate.us/ Guides to homes priced at more than a million dollars organized by city and area. Photos, prices, capsule descriptions, links to brokers. Paid submissions. Compass Realty Advisors - http://www.compassadvisors.com Full service commercial brokerage with offices in West Palm Beach and Naples. Specializing in office lease negotiations, marketing, and site selection. Location details. Buyer's Broker of Southwest Florida - http://buyersbrokerswflorida.com Representing buyers of new homes with offices in Naples, Boca Grande, and Sarasota. Atkinson Realty and Auction, Inc. - http://www.atkinsonrealtyandauction.com/ Certified appraiser and auctioneer with locations in Sun City, Leesburg and Bradenton. Eve Realty - http://www.everealty.com Family owned and operated agency with offices in Lighthouse Point and Okeechobee. Includes featured listings, agent roster, company profile. Help build the largest human-edited directory on the web. Submit a Site - Open Directory Project - Become an Editor Modified by Google - ©2004 Google Advertise with Us - Jobs, Press, Cool Stuff...

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Find Your Unclaimed Property Finding and ClaimingYour Unclaimed Property NOTICE OF NAMES OF PERSONS APPEARING TO BE OWNERS OF ABANDONED PROPERTY Database Last Updated: November 1, 2005 Only unclaimed property records with a value of $25 or greater are included in the Treasury website database. If your name does not appear on this list and you have received an unclaimed property mail card notice, you may return the card along with required documentation or contact our office directly at 1-888-844-8400 or alaucpd@treasury.state.al.us There are three ways to find and claim yourUnclaimed Property: 1. Search the Unclaimed Property Database Online! This is the fastest and easiest way to find and claim your unclaimed property. Requires Microsoft Internet Explorer or Netscape Navigator Versions 4.0 or higher. (Get Microsoft Internet Explorer here . Get Netscape Navigator here .) Be sure to read the guidelines for a successful online search . Please Note: We are receiving a high volume of website visits and database inquiries, up to 6200 hits hourly. If your search results in error messages or no response from our server, please read the guidelines below and try your search again. 2. Call the Unclaimed Property Office Toll-Free (888) 844-8400 weekdays from 8:00 AM to 5:00 PM. 3. Mail Inquiry Form Opens in a separate window for printing and mailing ImportantGuidelines for Searching the Online Database Requires Microsoft Internet Explorer or Netscape Navigator Versions 4.0 or higher . (Get Microsoft Internet Explorer here . Get Netscape Navigator here .) You may search by Name or in combination with City, to display a more refined search. You must always make an entry in the "Name" box. Your entry in the "Name" box must be one of the following: Initial - "D" returns all records with last name starting with "D". Last name - "Doe" returns all records with last name "Doe". Last name and first name or first name initial, separated by a space (no commas!) - "Doe John" returns all records with last name "Doe" and first name "John"; "Doe J" returns all records with last name "Doe" and first names starting with "J".