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March 13, 2021
Veterans Affairs Home Loans

What Is A Veterans Affairs Home Loan? The VA Loan began in 1944 through the original Servicemen’s Readjustment Act, also known as the GI Bill of Rights. The GI Bill was signed into law by President Franklin D. Roosevelt and provided veterans with a federally guaranteed home with no down payment. This feature was designed […]

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March 13, 2021
Construction Loans

What Is A Construction Loan? Buying your dream house requires a mortgage, but building your dream house? Well, that requires a mortgage with a twist. Construction loans are shorter term, higher interest rate loans that cover the cost of building or rehabilitating a house. The lender pays a construction loan to the contractor — not […]

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March 13, 2021
Jumbo Loans

What Is A Jumbo Loan? A Jumbo or Super Jumbo Loan is one that surpasses a certain amount, which will depend on your county. These loans will offer high-end financing that traditional loans cannot. Jumbo loans were created to provide affordable financing for certain areas that had experienced substantial home value appreciation. A Jumbo loan […]

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March 13, 2021
Investment Property Loans

What Is An Investment Property Loan? A non-owner-occupied conventional loan of 75% of the lower of appraised value or the purchase price is the most often available loan from the majority of lending institutions, but Fannie Mae and Freddie Mac will make financing available up to the 85% loan-to-value level. Since mortgage insurance is not […]

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March 13, 2021
Foreign National Lending

What is Foreign National Lending? Fintech Mortgage Association has many loan options for foreign nationals through our non-qm / non-agency loan programs. Here are some highlights to consider if you are a foreign national investing in U.S. real estate: Second home and investment properties Loans to $5 million Non-warrantable condos eligible Debt service coverage ratioloans […]

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March 13, 2021
Fixed Rate Mortgages

What Is An Fixed Rate Mortgage? If your goal is long-term home ownership, you may enjoy the comfort of having a consistent payment each month. With a Fixed Rate Mortgage, your loan will be paid over a period of 15 or 30 years with the same interest rate each month. Your payments are based on […]

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March 13, 2021
FHA Loans

What is an FHA Loan? The Federal Housing Administration (FHA) was established in 1934 to improve housing standards and conditions and to provide an adequate home financing system through insurance of mortgages. Families that would otherwise be excluded from the housing market were finally able to buy the homes of their dreams under this program. An FHA […]

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March 13, 2021
Conventional Loans

What is a Conventional Loan? A conventional home loan is any mortgage that is not insured or guaranteed, by the federal government. They are most popular with borrowers that good credit, who can afford a down payment, a stable job, and consistent income, and people who are overall financially stable. Government-backed loans like the VA, […]

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March 13, 2021
Construction Loans

What is a Construction Loan? Buying your dream house requires a mortgage, but building your dream house? Well, that requires a mortgage with a twist. Construction loans are shorter term, higher interest rate loans that cover the cost of building or rehabilitating a house. The lender pays a construction loan to the contractor — not […]

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March 13, 2021
Commercial Loans

What Is A Commercial Loan? If you’ve never borrowed money for your business, you may be in for a surprise. Whether you want to borrow working capital to expand your business or leverage equity in a commercial real estate venture, you will soon find the commercial loan process is very different from the more-common home […]

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Licensing: Florida MBR2053
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