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PreQualify by Phone in 5 Minutes !
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Survey finds most pay principal on interest-only
mortgages
06-05-2005
Wells Fargo said Monday that a survey it commissioned found many Americans are paying against principal on their interest-only mortgages despite rising gas prices and sharp declines in consumer confidence.
As part of a national survey of more than 1,300 home owners in August, respondents were asked about their financial behaviors and attitudes regarding interest-only loans, the housing market and retirement planning.
Industry observers were quick to note that the survey's sample size might be too small to extrapolate widespread behavior on interest-only loans, with just 8 percent of borrowers in the survey holding interest-only mortgages. Many of these loans were probably made recently -- too soon to see how they'll season over a few years.
The Wells Fargo Second Annual Survey of American Homeowners found that of the 8 percent of homeowners with interest-only real estate-secured accounts, 73 percent majority pay both the principal and interest at least some of the time. Of that 73 percent, 23 percent pay the principal in addition to interest all of the time while an additional 8 percent make principal payments as well as interest payments outside of the standard payment schedule.
But one-fourth pay only the interest. These behaviors were consistent across both age and income.
Respondents were asked about their reasons for choosing an account with an interest-only payment feature and the primary responses were to direct their funds into more profitable investments and to lower their monthly payments. Choosing this type of loan to be able to buy a more expensive home was not the most popular reason cited, according to Wells Fargo. (NYSE: WFC)
"It's obvious from the survey that homeowners understand the loan options they choose and how they manage what's likely their largest asset -- their home," said Doreen Woo Ho, president of Wells Fargo's consumer credit group.
No Lender offers more No money down first time homebuyers
Mortgage Programs than us!
WE have all the Options
100% Financing
80/20 (no mortgage insurance)
Credit scores are not considered with FHA underwriting
Bad Credit , charge offs and Late payments OK
interest Only
Stated Income
40 year Mortgage
No income limits on Down Payment assistance.
6% seller concessions allowed
Up to $25,000 of down payment assistance (Available to qualified buyers)
Non-occupying cosigners allowed
When you want to buy your first home you will also need your first mortgage loan. As a first time homebuyer the first question is whether you are actually ready to buy. Finding the right first home is not always easy and a good REALTOR can help you in the process. If you haven’t selected a REALTOR we are glad to recommend a REALTOR that works with First time homebuyers. And getting a first time homebuyer mortgage loan with us will be the easy part.
Are you ready to be a first time home buyer, lets take you through the steps a that we use to decide if you qualify for a first time home buyer loan. When you take out a loan, you sign documents that say you promise to pay back the loan.
Get PREQUALIFIED first,
A first time homebuyer loan,
To decide if you will be able to repay a first time homebuyer loan, your loan officer will look at many different pieces of information about you. This process is called underwriting. This information shows how well you have repaid your debts in the past, whether you are likely to repay your debts in the future, and your ability to repay the mortgage and your current debts.
There are first time homebuyer program guidelines that help a us in looking at these pieces of information about you. But you should also remember that there is some flexibility in these first time homebuyer guidelines, because we represent so many financial situation. If you are very strong in one area, it may help balance out another area in which you aren't quite as strong.
Time on your Job is important. Having a steady job as a first time home buyer helps you to keep your promise to pay back a mortgage loan. If you have been working continuously for two years or more, you are considered to have steady employment. A lender will need to know your job history, and it will be a factor in whether you qualify for a first time home buyer loan. However, you do not have to have held the same job for two years in order to be approved for the mortgage loan. Job moves that result in equal or more pay and continue to use proven skills are a plus for you. If you have been working continuously for less than two years, the mortgage lender will look for an explanation..
.
We will order a credit report to verify the information that you give and to check on how well you have kept your promises to repay your debts. Credit reports are provided by credit reporting companies that make inquiries through a wide range of available sources of information: banks that may have given you a car loan, credit card companies, even gasoline companies and department stores that offer credit cards.
If you have previously owned a home, and your mortgage loan has been foreclosed upon within the last seven years, the foreclosure will be revealed on your credit report. Having a foreclosure on your records doesn't mean you can buy another home. IF you’ve had a foreclosure inside a chapter 7 bankruptcy you could qualify as quickly as 1 day after the discharge date.
If you have declared bankruptcy within the past ten years, that also will be revealed on your credit report, We can qualify first time borrower for 100% 1 day after bankruptcy and we can further qualify borrower that are currently in chapter 13 bankruptcy. Reestablishing credit and show that you are again able to manage your financial affairs is important.
Sometimes credit reports are inaccurate, or they give a misleading picture of past credit problems that have since been resolved. We can except receipts or letters of proof that issues have been resolved and we won’t have to wait for the credit bureau to update the info.
If you have never had any credit cards or taken out a loan through a financial institution, the various credit reporting firms may not be able to issue a credit score on you. In that case, you may be able to use a "nontraditional" credit history. For example, you may be able to document that you pay your rent, telephone bills, or utility payments on time each month. You can put these records together yourself by making copies of canceled checks or showing copies of monthly bills that do not have any late charges. A mortgage lender may be able to help you put this information together
If you have a good record of paying your rent and other bills and will be able to prove that record. You will be approved for a 100% first time buyers mortgage.
Some lenders have programs to help a first time buyer. With some of these programs, you may be able to accept a gift from a relative or to borrow a portion of the money you will need for the down payment and closing costs from a local non-profit organization or government agency. We may be able to get down payment assistance program or other first time home buyer funds that you will not have to repay and can use to cover some of these costs.
ZERO DOWN AND THE 80/20 Loan
Most home buyers and first time home buyers would agree, the biggest
obstacle to home ownership can often be the down payment. And while the
percentage needed for a mortgage has dropped in the last 20 years from
the traditional 20 percent to 10, 5 and in some cases even 3 percent,
the prices of homes have doubled, tripled and even quadrupled.
That is no longer a problem ! We have an expanded line of zero down
100% financing options that are available to all Credit Levels,
Great Credit of course, but also Bad credit and borrowers with no established
credit including First time Buyers. Zero down payment
mortgages that also allow financing of the closing costs. We
even make it possible for new owners to leave the closing with more
cash than they had when they walked in -- at the price of course, of
more debt.
Many companies aggressively marketing zero-equity loans
"We give you a choice you can choose a Zero Down Plus with P.M.I.
or an 80/ 20 No Down, No P.M.I."
The Zero Down Plus mortgage is a 103 percent
first mortgage that requires private mortgage insurance. The 80/23
mortgage, an 80 percent first mortgage plus a 23 percent second mortgage
and still NO MI
With the Zero Down Plus mortgage the extra 3 percent usually
covers the borrower's closing costs. Still No MI
An example of the difference that a no mi mortgage makes,
the principal and interest payments on a $250,000
Zero Down Plus mortgage for 30 years at 8.875 percent -- the current
rate -- would be $1,989 a month. Private mortgage insurance on the
part of the mortgage that exceeds 80 percent of the home's value, the
MI would add $203 a month, making the total payment $2,192.
NEED A REALTOR ?
We are glad to recommend a good Realtor to help Nashville first time homebuyers get the home of their dreams.
No Credit-Limited Credit-Credit Mistakes-Limited Job Time-No Savings....Etc
'We Say Yes.....Even When Other Lenders Say No!'
REASONS TO GET PREQUALIFIED BEFORE YOU START SHOPPING FOR A HOME
You do NOT have to have a home under contract to obtain a home loan. The lender is looking at your credit history and income when considering a loan application.
Some potential home buyers think they will have no problem qualifying for a loan only to be disappointed when they find out they don't. Others may afraid they won't qualify so they don't apply. We often see people who don't think they qualify for a home loan but don't know that many lenders offer loan programs for all types of borrowers.
Avoid disappointment resulting from looking at homes that are out of your price range. Looking at homes in a price range you can afford will keep you from being disappointed if you fall in love with a home only to find out that it is beyond your financial abilities.
Insure that you will meet your moving dead line. Knowing you must move by a certain date and still working on proving you are qualified for a loan can be a stressful experience. The two most common problems are resolving credit issues and proving you have the cash for your down payment and closing costs.
Applying for a loan as soon as possible will insure that any incorrect information in your credit history can be corrected before the closing date. It often takes 60 days or more to have information corrected in your credit files.
Having a Loan Commitment in your hand is like being a cash buyer. Every seller wants to work with cash buyers. It gives you leverage when presenting an offer and negotiating a counter offer. It will insure that the closing process goes smoothly when you do find your new home. Do not mistake a Loan Commitment with a pre-approval or pre-qualification, a pre-approval does not carry much weight with a seller since a pre-approval is only a cursory look at your credit history.
Applying for a home loan online can be a real convenience. You can apply for a mortgage online 24 hours a day 7 days a week. You can apply from your home, office, local library or any location that offers Internet access. No need to take time off work or away from play. Avoids feeling pressured by sitting in a lenders office and allows you ample time to collect all the necessary information
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Selecting the right loan for your home can be one of the most important decisions you will ever make - and so is choosing the right mortgage lender. No one understands the needs of today's home buyers, sellers, brokers, Realtors, and builders better and offers a wide variety of home mortgage loans than us. Purchase, refinance home equity, debt consolidation, jumbo, first time home buyer, and zero down payment home loan options are just a few that are specialized in. zerotoclose.com Home Loans is a general informational web site only providing marketing information service for the select lenders.
The lenders associated with this site are committed to providing a full line of lending services to ensure customers: loan approvals, competitive interest rates and timely closings. These home loan program options are offered by local and nationalmortgage company professionals doing business with integrity, efficiency, and personal service.
To top it off, you get terrific service, great rates low fees and an experienced mortgage lender who will answer your questions, keep you up-to-date, and do whatever it takes to make your first time home buyer experience amazingly easy! Get the first time home buyer loan program you want with low mortgage rates!
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