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Did you know FHA loans actually have an adjustable-rate option? The popularity of FHA home loans has exploded since the dip in the economy, with FHA loans now accounting for almost 30% of mortgages in the United States.
Now Is The Time For [link widoczny dla zalogowanych] an FHA Refinance
With interest rates aggressively low, now is a great time consider refinancing [link widoczny dla zalogowanych] with an FHA adjustable-rate mortgage (ARM). Whether you?re buying your [link widoczny dla zalogowanych] first home, looking into a fixer-upper, making your home more energy-efficient, or just looking to refinance, a government-backed FHA ARM may be the best option to help you reach your financial goals.
Top [link widoczny dla zalogowanych] 7 Reasons You May Want an FHA ARM
1.An FHA Loan is the the easiest type of real estate mortgage loan to qualify for.
2.Refinancing with an FHA [link widoczny dla zalogowanych] ARM will lower your rate and payment for the [link widoczny dla zalogowanych] initial fixed-rate period. After this initial fixed-rate period, the mortgage rate adjusts based on the LIBOR index and other market factors. Due to a down market and low interest rates, ARM?s are actually adjusting down right now.
3.It is also wise if you are planning [link widoczny dla zalogowanych] on moving or refinancing before rates adjust higher. This allows for a higher loan without paying the cost of a longer fixed-rate period. The amount saved from the lower payment during the fixed [link widoczny dla zalogowanych] period [link widoczny dla zalogowanych] is greater than the cost of refinancing if later desired.
4.In addition to the benefits a [link widoczny dla zalogowanych] standard ARM offers, an FHA ARM enables a down [link widoczny dla zalogowanych] payment of 3.5% on purchases.
5.FHA loans allow you to refinance 97.75% of your home?s value.
6.FHA cash-out refinance loans allow you to take out up to 85% of your home?s value.
7.Finally, FHA also allows seller concessions up to 6% of your home purchase price.
FHA Home Loans Offer A Great Choice In Today?s Market
Whether you are a first-time home buyer or [link widoczny dla zalogowanych] just looking to take advantage [link widoczny dla zalogowanych] of low mortgage interest rates, refinancing with an FHA ARM could save you money and help [link widoczny dla zalogowanych] achieve your financial goals. If you?re considering an FHA loan, Quicken Loans offers a Rate Break for FHA ? a 1-year 1% reduction in your mortgage rate! Seize this opportunity to benefit from the current [link widoczny dla zalogowanych] market and get started by talking to a trusted mortgage professional.
[link widoczny dla zalogowanych] Fylonenko is a writer who specializes in articles about , , and other home-buying related information.
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