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 --
Home Equity Loans Auto
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Denver Real Estate Leads
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Florida Real Estate School
Florida Real Estate School, Florida Real Estate Class, Florida Real Estate Course Home Course Login Online Bookstore Add to Favorites Email to a Friend Pre Licensing Courses Sales Associate Required License Course Brokers Required License Course Exam Prep Courses Full Cram Review Course Cram Course Law Only Math Review Course Appraisers Exam Prep Post Licensing Courses Sales Associates Post License Course Broker Post License Course Continuing Education Courses Sales Associate & Brokers CE 14 Hour Course Professional Development Courses Become a Title Abstractor Course Introduction To Commercial Real Estate Course Employment Opportunities View Our Sponsors For the Required Sales Associate License Course Get your license today! New Years Promotion! For the Required Brokers License Course Get your Brokers license today! New Years Promotion! For the Post Sales Associate and Brokers Post License Course For the 14 Hour Continuing Education Course For Sales Associates & Brokers - Cram Review Course - Law Review Course - Become a Title Abstractor Course - Home Inspection Course 24 / 7 SUPPORT COURSE LOG IN EMPLOYMENT OPPORTUNITIES ONLINE BOOKSTORE We are the Only Real Estate School that offers 24/7 FREE LIVE SUPPORT for our students!! Contact Us Already enrolled in our course? Click here to log into your course . Become a sponsor. Click Here ! Employment Opportunities Click Here ! Become an Affiliate Call for Information Enter the largest online Real Estate Bookstore in the NATION! Click Here . We are the #1 Florida Real Estate School providing CD-ROM and ONLINE COURSES . We Accept All Major Credit Cards and Debit Cards Online to pay for our Florida Real Estate Classes. Home Study Courses - We are the Only Real Estate School that's open 24 hours a day, 7 Days a Week! As one of the leading real estate schools in Florida, we offer Florida Real Estate Courses online and on CD-ROM. Its never been so convenient to pass your Florida real estate exams and achieve your Florida Real Estate License. Our Florida real estate courses offered include: Florida Real Estate License, Sales Associate and Brokers Pre-License, Post License, Continuing Education and to prepare for your Florida Real Estate Exams our State Exam Prep Course. We offer fully-accredited Florida Real Estate courses that meet the license qualification and CE requirements for real estate professionals for Florida anywhere around the world from any computer. We are the ONLY real estate school that's open 24 hours a day, 7 days a week! We are here to serve you around the clock to better meet your needs. Introducing the most convenient way available to fulfill your professional license educational requirements. The CD-ROM and online Florida Real Estate classes allows you to begin courses at any time. Upon passing the online exams, you will receive a certificate of completion and full course credits. Florida Real Estate School is a licensed institution for Florida Real Estate courses. We are offering a New and exciting way to obtain your required Real Estate Education credits. We have found that many students simply don't have the time or desire to attend a class. For them, and hopefully for you, we have created online training courses that you take using your web browser or CD-ROM. Florida Real Estate School is approved by the Florida real estate commission. Click above and learn for yourself why we are one of the leading real estate schools in Florida! DBPR Permit # 1002048 Home | Online Bookstore | Testimonials | FAQ | Survey | Contact Us | Site Map
buy Home [Magazine Subscription]
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MAGAZINE INFO Explore this magazine buying info editorial reviews customer reviews See more images Customers also bought these magazines these other items Share your thoughts write a review write a So You'd Like to... guide tell a friend about this item RATE THIS MAGAZINE I dislike it I love it! 1 2 3 4 5 Edit your ratings Visit the Books Store Real Simple: The Organized Home by Editors of Real Simple Magazine Spec tacular Readers Never misplace your reading glasses again with the hip andstylish magnetic readers from CliC . Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . Real Simple [MAGAZINE SUBSCRIPTION] Cover Price: $54.00 Price: $28.68 ($2.39/issue) You Save: $25.32 (47%) Issues: 12 issues/12 months See more images Print a Magazine Gift Card Ordering it as a gift? Give your recipient a personalized Real Simple gift card! ( Flash Player required.) See more magazine gift options . 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This magazine subscription is provided by Synapse Services, Inc. Customers who bought this magazine also bought: O, The Oprah Magazine [Magazine Subscription] Martha Stewart Living [Magazine Subscription] Cooking Light [Magazine Subscription] Lucky [Magazine Subscription] Explore Similar Items : 19 in Magazine Subscriptions , 20 in Books , and 18 in DVD What similar items do customers ultimately buy after viewing this item? 15% buy this item(Real Simple [Magazine Subscription] 13% buy Domino [Magazine Subscription] 7% buy Metropolitan Home [Magazine Subscription] 7% buy House Beautiful [Magazine Subscription] 2% buy Home [Magazine Subscription] Explore Similar Items : 9 in Magazine Subscriptions , 9 in Books , and 5 in Tools & Hardware Editorial Reviews From the Publisher Real Simple is the new magazine for the way you want to live today. You'll find actionable solutions to streamline the ways you manage your life. Systems for reducing clutter, saving time, and reducing stress. Inspiring ideas about home, food, money, clothes, health, work, family, and holidays. Spotlight Reviews (What's this?) Write an online review and share your thoughts with other customers. 148 of 189 people found the following review helpful: You've got to be kidding. , February 6, 2003 Reviewer: Auliya "An Avid Reader" (Austin, TX USA)- See all my reviews Beautiful photography, but empty articles, and advertising, advertising, advertising. Every item, on every page, is an advertisement. Everything. Every sentence in every article, every caption, every line in the index. There are numerous special sections devoted to product endorsements, although they're phrased as "tips." They should give this magazine away for free, considering the money they must make off the advertising. Sure, while it's somewhat "handy" to know what's depicted and discussed (usually the URL and price are provided) it makes me a little uneasy. I feel suckered. I feel uncomfortable. Euugh. --This text refers to the edition Was this review helpful to you? ( Report this ) 159 of 186 people found the following review helpful: Real Simple is simply about buying stuff , June 23, 2003 Reviewer: A magazine reader (Austin, Texas) I subscribed to this magazine for a year and enjoyed my first few issues, but I soon noticed that all of the ideas for "leading a simpler life" involved purchasing expensive products. You might as well just flip through a Pottery Barn catalog. They both offer the same fantasy -- "What a stress-free, genteel life I could lead if only I had closet organizers and all-white furniture!" Eventually I simplified my life by letting my subscription run out. --This text refers to the edition Was this review helpful to you? ( Report this ) All Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 3 of 4 people found the following review helpful: My favorite magazine! , December 20, 2005 Reviewer: Starr Calooy "The Wordsmith" (San Antonio, Texas)- See all my reviews I have read the reviews and find several to be inaccurate and incomplete so I want to set the record straight! This magazine does have advertisements but they all compliment the subject matter of the copy. I am a business owner/mother/caregiver/author so I truly appreciate and use all of the great organizing articles. I also don't have time to track down where to buy the products they suggest so I find the information provided extremely helpful. This is the first magazine I have ever taken the time to read or even ordered! All the others are so similiar and boring, but Real Simple shows me step-by-step how to accomplish what I need to do for my home, what materials to buy(come on! -a coffee can to store Christmas light strings are not expensive!)and where to get them! I look so forward each month to my new issue. I am buying a subscription for my best friend this Christmas. I also planned my entire Christmas dinner party two nights ago by their suggestions and it was a huge hit. The ads really are a plus- not a negative element! Congratulations on such a big success Real Simple! Was this review helpful to you? ( Report this ) 0 of 1 people found the following review helpful: i'm totally hooked.. , December 19, 2005 Reviewer: K. Santos (New York, NY)- See all my reviews i can't say that i read it every month, but when i do i devour it. i LOVE the ideas and the new product lines. the mag is so attuned to what i crave to see and buy and know. i feel like i've learned a lot from the mag and now i have a 3 yr subscription. i'm totally hooked on this mag. Was this review helpful to you? ( Report this ) 1 of 2 people found the following review helpful: good, mindless reading , December 17, 2005 Reviewer: Dee Dee (San Antonio)- See all my reviews This is a good magazine if you're looking for short, simple articles. The tips are useful, but try to focus on one or two per issue or else you'll be taking on too much. The product recommendations are right on. I have not bought anything recommended in this magazine that was not excellent. My only complaint is that there are, of course, too many ads. Was this review helpful to you? ( Report this ) 3 of 4 people found the following review helpful: Useful , December 15, 2005 Reviewer: Michael J Edelman (Huntington Woods, MI USA)- See all my reviews This is the sort of magazine I think I would have appreciated more back in my student apartment-living, bead-curtain, cinderblock-bookcase, cable-spool-as-table days. That's the design ethic portrayed. Some of the articles are rather clever, and the projects- making a switchplate from a beercan, or building a stylish garden building for $1500- are often novel and useful. They're not all winnners, of course; some project ideas are pretty awful. And as others have noted, much of the content is devoted to mindless fashion slavery and buying. But for the urban single or young couple looking for some cheap design ideas, it's pretty useful. Was this review helpful to you? ( Report this ) See all 147 customer reviews... So You'd Like To... 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