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在大底特律地区
People are taking advantage of the opportunity to get more out of their home loans.
This explains the growing popularity of what is called the jumbo loan or jumbo mortgage.
什么是大额贷款?
巨额贷款可能只提供给那些有特殊信用的人. This is because a jumbo mortgage lets the borrower take a larger loan than what the ordinary loan conforming limits will allow. 这个标准是房利美和房地美所遵循的框架, 设定个人房屋贷款的标准最高限额, 而一笔巨额贷款的参数超出了这些标准.
Fannie Mae and Freddie Mac are US companies that are authorized by the government to back or guarantee the majority of mortgages taken out in the United States. 简而言之, they are financial service providers who work closely with the federal government on home loans. 它们是行业标准, 他们的工作就是保持在这个标准的范围内, 是由联邦住房署描述的吗.
传统抵押贷款有资格得到担保, 购买, 或者由房利美或房地美审计. 另一方面,大额贷款规模更大,资格要求也更高. 因为这个原因, 当你签订巨额贷款协议时, 你会收到比平时更多的贷款, 而且条件比普通贷款要高.
巨额贷款是如何运作的?
一般贷款限额为726,200元. If you would like to buy a home that costs more that than you will need to qualify for a jumbo mortgage. 资格要求更为严格, 但如果你有资格, 你有能力管理它, 巨额贷款可能是一个极好的选择.
These types of loans are also known as non-conforming loans because they exceed the usual perimeters of ordinary loans. If you enter into an ordinary loan, it will be backed by the FHA, Fannie Mae, or Freddie Mac. 巨额贷款不享有这种级别的安全保障, 这就是为什么那些参加考试的人必须达到更严格的资格标准.
大额贷款是你和你的金融服务提供商之间的协议. 如果借款人违约,它们不受政府认可实体的保护. 通常,大额贷款的利率是固定的或可调整的.
如何申请巨额贷款
要符合资格,你需要高于平均水平的信用评分. 你需要展示一份可靠的工作经历和手头的一些积蓄. Your debt-to-income ratio will be considered, and you'll need to make a down payment.
That done, you will gather the pertinent documents, contact your lender, and prequalify. Then, you simply wait for your application to be approved and close the deal on your new home.
这里是直接金融, we're in the business of helping young families and first-time homeowners get a foot in the door of the American Dream, 在大底特律地区买到漂亮的房子.
Our home financing professionals will work with you closely to make sure you receive the financial services you need to meet your budget and realize your goals. 今天就正规博彩网站评级,了解更多信息.
房地产市场是美国经济的重要组成部分, which is why the federal government assigns the job of stabilizing the housing market to Fannie Mae and Freddie Mac. It is also part of the reason why Veterans Assistance (VA) loans are designed to be a great option. Not only are they one of the most important ways to reward our military service members for their time, 努力, 和牺牲, 但它们也为那些值得拥有的人提供了宝贵的机会.
在直接金融, we work with military veterans and currently enlistees across a range of service categories. In our experience, VA loans are one of the most important services our government provides. 他们给了有职业道德的人, 谁可能没有雄厚的资金, the opportunity to leverage their commitment to their country and to their communities to obtain affordable home loans for the Greater Metro Detroit area home.
什么是退伍军人贷款
A VA loan is a home mortgage loan that is guaranteed by the US Department of Veterans Affairs to current and former military service members who qualify. 退伍军人管理局的贷款项目是为退伍军人准备的, 现役人员, 储备成员, 还有一些死者幸存的配偶, 失踪, 和战俘.
The purpose of the program is to offer affordable home loans to veterans with no down payment. 的部门. 退伍军人事务部并不是这些贷款的发起人. 相反,他们制定规则来管理谁有资格,谁没有资格. These rules also determine what financial institutions may and may not provide VA home loans.
This means it is important to work with a financial services provider who is qualified, 有经验的, 并且有资格申请VA贷款. 这有助于确保退伍军人在住房抵押贷款上得到公平的待遇. 当事情没有按计划进行时,它也给了你足够的追索权.
VA贷款是如何运作的?
The first step to securing a no down payment VA loan is to prove your military history. If you meet the definition of one or more of the qualifying categories and work with a qualified financial services provider, 你会被录取的.
You will not be expected to pay mortgage insurance as you would with most types of home loans. 您将需要支付一笔VA资金费用,金额将等于 .5% to 3.贷款总额的6%. 这是必要的,以抵消这些贷款的成本. 但别担心,即使以一个士兵的收入,它仍然是非常负担得起的. You will be pleased to know that this offset fee helps other veterans like you to access affordable home ownership.
Your lender will be forbidden to charge you more than 1% interest on closing costs. 这只是该项目让你的投资费用物有所值的方式之一.
最后, you will also benefit from the fact that VA loans are not subject to the same size limits that other federally secured loans are limited to. 联邦担保住房贷款的通常上限是647,200美元. But for qualified VA loan recipients, the limit is determined only by your ability to pay.
谁有资格申请VA贷款?
资格是相当宽容的. Most current or former members with at least 90 days of continuous service during war time or 181 days of continuous service during peace time will qualify. 如果你在预备役或国民警卫队,你将需要六年或更长时间.
If you have an Other Than Honorable (OTO) discharge, you may not automatically be disqualified. 如果你们提前分居, 因为健康原因被解雇了, 或者是为了减少兵力, 你仍然有很好的机会获得资格.
如果你对自己的资历有任何疑问, 我们直接金融的贷款专家很乐意为您提供帮助.
如何申请伤残保险贷款
The first step to securing your VA loan is to obtain a Certificate of Eligibility, (COE). 申请您的COE, 向退伍军人事务办公室索取退伍军人事务部表格26-1880, 填好后交上来. 如果您符合资格,他们将向您颁发COE.
从那里,只需去当地合格的金融服务提供商. 他们将列出所有可能的选择, 引导你完成整个过程, 并就如何最大限度地利用VA贷款提供宝贵的建议.
如果你有资格获得退伍军人管理局的贷款, 你有很多有价值的选择, 这些选择可能构成终身财务安全的基石. 了解更多关于你的选择, 以及直接金融如何帮助您确保在底特律大都会地区的住房, 正规博彩网站评级 今天.
Seasonal properties are single family residential properties occupied by the owner and are not the legal residence of the owner/borrower.
对于新建或二手的活动房屋,有竞争力的15年或20年的固定费率,
无论是在公园里还是在你自己的房子里. 最低贷款金额为$10,000.
Your dream of owning an eco-friendly home starts here with a mortgage that will support your energy and sustainability goals and save you money over the long term.