Tag Archives: #sacramentomortgagelender

Home Financing “Need List”

 

Kathleen Beck – Mortgage Lender

West Coast Mortgage Group

NMLS #243181 | BRE #01058848

Looking to buy or refinance a home is a very exciting time. It is also an important time for interested borrowers to organize their documents, better known as a “Needs List” to ensure your loan or re-fi is processed in a timely manner without unforeseen challenges.

The documents listed below are needed by your mortgage officer in order to verify the information you provided during the application process. These items should be sent at your earliest opportunity to expedite the processing of your request.

Documents Needed:

  • Copy of your Driver’s License
  • Copy of your Social Security Card
  • Legible copies of W-2’s and 1099s from last two tax years
  • Personal Federal Tax Returns from last two tax years
  • Statements for all checking, savings, investment and retirement accounts (including all pages for the last two months)
  • A letter of explanation for all non-payroll deposits into your accounts and copies of the checks deposited
  • Current pay-stubs from all borrowers (most recent 30 days)
  • Copy of Homeowners Insurance Policy Declaration Page showing the coverage and premium on all property owned
  • Current mortgage statements on all property owned

The entire loan and re-finance process takes approximately 30-45 days and mortgage officers should work to make this as simple and stress-free as possible. Once you have gathered the items above, send the documents via secure email, hand delivery, or by means you feel comfortable and you should have a smooth experience.

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Is there a Rate-Master?

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How in the world are interest rates calculated?  Is there a Rates Boss that gets to decide whether they go up or down?  Not quite!  Here is a little insight into how mortgage interest rates are formed.

Mortgage interest rates have a very significant impact on the overall long-term cost of purchasing a home through financing. On the one hand, mortgage borrowers are seeking the lowest possible rates, but on the other hand, mortgage lenders have to manage their risk through the interest rates they charge. The lowest mortgage interest rates are only available to borrowers with the most solid finances and sterling credit histories.

While the financial health of borrowers affects the specific interest rates they can obtain, the general level of mortgage interest rates is influenced by a number of critical economic factors, as well as government financial policy. The factors that influence mortgage rates all represent basic rules of supply and demand in one form or another.

1) Inflation

The gradual upward movement of prices due to inflation is an important factor in the overall economy and a critical factor for mortgage lenders. Inflation erodes the purchasing power of dollars over time. Mortgage lenders generally have to maintain interest rates at a level that is at least sufficient to overcome the erosion of purchasing power through inflation to ensure that their interest returns represent a real net profit. For example, if mortgage rates are at 5%, but the level of annual inflation is at 2%, then the lender’s real return on a loan in terms of the purchasing power of the dollars they received in repayment is only 3%. Therefore, mortgage lenders carefully monitor the rate of inflation and adjust rates accordingly.

2) The Level of Economic Growth

Mortgage rates are also influenced by economic growth indicators such as gross domestic product (GDP) and the employment rate. Higher economic growth levels generally produce higher incomes and higher levels of consumer spending, including more consumers looking to obtain mortgage loans for home purchases. The upswing in overall demand for mortgages tends to propel mortgage rates higher, since there is only a certain supply of money that lenders have available to lend out. Naturally, the opposite effect results from a weakening economy. Employment and wages decline, leading to decreased demand for home loans, which in turn puts downward pressure on the interest rates offered by mortgage lenders.

3) Federal Reserve Monetary Policy

The monetary policy pursued by the Federal Reserve Bank is one of the most important factors influencing both the economy generally and interest rates specifically, including mortgage rates. The Federal Reserve does not set the specific interest rates in the mortgage market, but its actions in establishing the Fed Funds rate and adjusting the money supply upward or downward have a significant impact on the interest rates available to the borrowing public. Generally, increases in the money supply put downward pressure on rates, while tightening the money supply pressures rates upward.

4) The Bond Market

Banks and other investment firms market mortgage-backed securities (MBSs) as investment products. The yields available from these debt securities must be sufficiently high to attract buyers. Part of this equation is the fact that government and corporate bonds offer competing long-term fixed income investments. The yields available on these competing investment products affect the yields that are offered on MBSs. The overall condition of the larger bond market therefore indirectly affects the mortgage rates that lenders charge, since the lenders must generate sufficient yields for MBSs to make them competitive in the total debt security market.

One frequently used government bond benchmark that mortgage lenders often peg their interest rates to is the 10-Year Treasury bond yield. Typically, the average spread for MBSs above the 10-year Treasury bond yield is approximately 1.7%. MBS sellers must offer higher yields because repayment is not 100% guaranteed as it is with government bonds.

5) Housing Market Conditions

Trends and conditions in the housing market also affect mortgage rates. When fewer homes are being built or offered for resale, the decline in homes being purchased leads to a decline in the demand for mortgages and pressures interest rates downward. A recent trend that has also applied downward pressure to rates is an increasing number of consumers opting to rent rather than buy a home. Such changes in the availability of homes and consumer demand affect the levels at which mortgage lenders set loan rates.

Call me with any questions or to find out what current rates are!

 

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Original post:http://www.investopedia.com/articles/wealth-management/120115/most-important-factors-affect-mortgage-rates.asp

 

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A little dry?

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Is your once beautiful front lawn now just a sea of dead grass and weeds from dehydration?  You are not alone!  The California drought has been a killer on our once green state.  But how can you  have a nice looking yard without getting fined from the water company and the State?

I’m sure you have heard a lot about “lawn painting” by now.  Real Estate Agents have been using this method for a few years now to try to spruce up foreclosed homes.  The result is good, but temporary.  What are your other options?

Alfresco-copyWhen it comes to brown spots and dead grass, artificial grass is the most ideal solution to any lawn, especially over grass paint. Grass paint, a short-term solution, may seem appealing because of its quick gratification and fast results, however, such results do not last. synthetic grass, on the other hand, is the long-term lawn solution that prevents discoloration and dead spots. Though the initial investment may be significantly more than that of painted grass, its overall return on investment is relatively short and can thus help you to accrue valuable savings over the years. artificial turf also yields many more benefits, including being eco-friendly. In dealing with concerns such as dry and dead grass, it is ideal to fully consider the long lasting solution as opposed to a simple quick fix.

Extreme weather climates, overwatering, pet damage, and lack of maintenance time are all contributors to the unsightly yards we all cringe at the sight of. Brown spots, weeds, and barren areas are a common concern for many households. Therefore, for a fast, easy, and relatively cheap option, some people look into the use of grass paint. It is designed to simply spray green coloring on discolored or dead areas, giving a pseudo healthy appearance. Many grass paint products, as well as their retailers commonly advertise it as nontoxic and free of noxious chemicals. However, many grass paint products pose risks involved with eye contact and irritation, as well as strong staining properties that can ruin clothes and other surfaces that it comes into contact with. Though grass paint can help with color, it does not add lushness or texture to a dead or dry area. Thus, appearance is not as realistic with grass paint.painting

Synthetic turf, on the other hand, completely replaces a natural grass yard with a realistic, lush, and healthy looking surface that is realistic and long lasting. Since artificial grass is completely synthetic, it does not depend on water for maintenance, and thus looks lush and green with completely minimal upkeep. Factors mentioned above, including extreme weather conditions and pet damage pose no threat whatsoever on synthetic grass. It is designed for complete durability and long lasting beautiful aesthetics that stay that way for several years. Artificial grass’ unique yarn composition and infill system make it both strong and comfortable for all members of the family, including small children and pets. Throughout the years, technological improvements in synthetic turf have allowed it to look and feel more and more like real grass. Thus, the lines between a real yard and artificial yard have been blurred with innovation.

The wide range in adaptability of artificial grass to any home or environment makes it ideal for all households. It is completely nontoxic and non-staining, unlike grass paint. With the amount of money saved on maintenance, water, and energy costs, artificial grass’ return on investment makes it worth it. When concerned with dark spots, discoloration, and dead grass, artificial turf is the best solution because of its durability lasting vibrant color, and healthy lushness unmatchable by grass paint.

drought-tolerant-front-yard-0110-mAnd the last option is going totally drought tolerate plants.  Use decorative rocks, sturdy green plants and you are almost water free!

If you are ready to tackle the front yard and need some help call me!  I have a list of reputable landscapers ready to help you.  Oh, and if you need help financing the new yard, call me.  Let’s talk refinance!

 

Please call or email me with any questions… I specialize in finding you the right loan that meets your specific needs and financial goals.  Please email me today Kathleen@BeckHomeLoanPro.com or call 916-722-0395 to get started on your dream of home ownership.

 

 

Kathleen Beck A person you can count on.

West Coast Mortgage Group
2716 Broadway
Sacramento, CA 95818

NMLS#243181, BRE#01058848.

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New Year, New Lower Mortgage Payment?

FHA Reduces Annual Mortgage Insurance Premiumsgood-news

FHA has announced that they have lowered the Mortgage Insurance Premium for new loans that are for terms over 15 years.  What does this mean for you?  Refinance your current loan and with the new rules, you could lower your monthly payments.

This is an important measure to help some FHA borrowers take advantage of the lower MIP rate. Call me today to find out if you qualify. Rates are still amazing.  Call today.

Kathleen Beck Mortgage Lender
West Coast Mortgage Group
916.722.0395 direct
Kathleen@BeckHomeLoanPro.com
http://www.BeckHomeLoanPro.com
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Real Estate in Sacramento, Hot or Not?

hot-real-estate-market1 (1)I have been asked if the real Estate market in Sacramento is still Hot, meaning low inventory and rising home prices.  My answer to the question is yes and no.

 

Yes, if you want to buy a home now with less competition from all cash investment buyers.  The Real Estate market in the Sacramento Area has stabilized to a more normal market where actual families have a good shot at buying a home.  No, if you want to buy a home and see double digit appreciation.  Since the first of the year the home prices in the Sacramento Area has increased at a normal rate of appreciation.

 

A normal market means the playing field for both the buyer and seller is more level.  The buyer is not competing against 10 to 20 other offers when they present an offer to the seller.  Likewise, the seller does not have to decrease the sales price and pay the buyer’s closing costs just to seem attractive to potential buyers.

 

Home prices are stabilizing and selling well if they are price correctly for this market. As always it is very important to make sure you are prequalified by a local lender before you start to look at homes to purchase.

 

Please call or email me with any questions… Let me help make your dream of homeownership come true. I specialize in finding you the right loan that meets your specific needs and financial goals. With mortgage rates still near historic lows, make this year the year to make your homeownership dream come true. Please email me today Kathleen@BeckHomeLoanPro.com or call 916-722-0395 to get started on your dream of home ownership. Kathleen Beck A person you can count on. West Coast Mortgage Group 2716 Broadway Sacramento, CA 95818 NMLS#243181, BRE#01058848.

 

 

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Thank You…

“Kathy was recommended to us by our Realtor.  What a recommendation.  Kathy got us an excellent rate.  Besides the good rate, she was very responsive and on the baThankYou Collagell.

When we got prequalified Kathy looked at our financials and anticipated a bunch of the questions the underwriter may have.  She had us write letters of explanation in advance and gather supporting documentation to expedite the underwriting process.

When we went to close our underwriter had a ton of additional requirements from items that occurred from the date of the offer until when we went into escrow (this was a short sale so 5-6 months had passed – hey we had to live our lives).  As the underwriter had more questions Kathy was right there in immediate communication with me telling me what they saw and what they needed.

One issue, for example, is we ordered a side of beef to be split between family members.  The underwriter needed to see why all of these checks came into our account and what they were for.  Kathy was right there on the phone with me guiding me through the process of what documentation I needed to gather.  These were all small issues but there were a bunch that came up between prequal and escrow.

The home buying process can be stressful and it was great to know that Kathy was there right by our side, every step of the way.  Honestly, this is our second home and of all the Realtors, brokers, and everyone else in the process on the buying and selling side, Kathy was the most professional, on the ball, responsive, knowledgeable, patient person we have worked with.  I felt like she was right there by my side guiding me and advocating for me all along the way.

We closed on an amazing home and Kathy played a big role.

If we buy again in the area we will DEFINITELY use her services.  I couldn’t be happier and feel like it was the best decision we made in the process.

You will not be disappointed!”

A.V. – Fair Oaks
7/1/2014

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Interest Rates are Falling!

Great News for Homeowners.

The 30 year and 15 year fixed rate mortgages are falling again.  There is speculation the 30 year rate may fall below the 4% mark in the next 30 to 45 days.  If you missed the last refinance boom you are in luck.  For the most part in the Sacramento Tri-County Area home values have seen appreciation in the last two years, so even if you could not refinance 1 to 2 years ago you may be able to refinance now.
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Are you tired of paying mortgage insurance every month?  This also may be a good time to refinance and get out of your mortgage insurance.

 

Call email or today for your FREE Home Loan Consultation.  Kathleen Beck-Mortgage Lender, Kathleen@BeckHomeLoanPro.com , 916-722-0395.

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Homebuyers: 10 Flaws to Look Out For

real-uglyI found this excellent article about 10 flaws you should look out for when buying a home.  It is important that you do a thorough inspection on each home you are considering making an offer on.

By Kirk Haverkamp, Published: July 02, 2014

Spotting potential problems with a property can be a challenge for many homebuyers. While a professional inspection will identify major flaws, most people would like to be aware of such problems before making an offer.

Few of us have the expertise in construction to make a full assessment of a residential property. However, there are a number of key things to check that will give you a pretty good idea of the overall condition of a home and the likelihood that it will need major repairs or replacements in the near future.

Here are 10 of the main potential problem areas to be alert for when shopping for a home. They’re not particularly hard to spot, but they are easy to overlook if you forget to check for them. So it’s good to take a list with you when touring a home.

1 – Soil grading

When you first arrive at a property, check out how the land lies, literally. How does water drain from the property? Are there any places where it looks like water might pool in a rainstorm or from melting snow, particularly if they’re right next to the house? Where will water run to as it flows off the lot?

Check adjacent parcels as well. Is a neighbor’s yard configured so that it will drain its runoff onto the lot you’re considering? If on or near a hill, where will the drainage from that slope be directed? You don’t want to be in the spot where the runoff from the whole hillside will be directed.

In older homes, check around the foundation. Over time, the soil around the foundation can sink or erode, leaving a shallow trench around the home where rainwater or snow melt can pool and soak into the basement. The problem can be fixed by adding more soil to correct the slope so the water drains away from the foundation again, but the basement may have already suffered water damage or mold.

 

2- The roof

Eyeball the roof to see what kind of shape it’s in. Do the shingles still appear to be in good shape, or are they showing signs of weathering? Is there moss growing there? Moss is a problem that can rapidly age shingles and cause them to wear out prematurely. It can be removed and treated with a moss killer to eliminate it, but areas with moss will likely always be susceptible to it.

Ask how old the roof is. A roof with asphalt shingles will typically last about 20-30 years. So if it’s already been 20 years since new shingles were put on, it’s quite likely they will have to be replaced before long.

3 – The exterior

What condition is the siding or brick in? If siding, are the panels beginning to separate between each other or pull away from windows and doors? Is the original finish still in good shape or has the siding been painted since it was installed? A good qualify paint job can revive the appearance of aluminum siding, but it won’t last as long as the original finish and may need to be repainted again in a few years.

On a brick exterior, look at the condition of the mortar. Does it still look solid or is it crumbling out and showing deepening gaps between the bricks? If so, the brick may soon need to be tuckpointed to restore their appearance and prevent further deterioration.

4 – The driveway

Last on the outdoor list, what shape is the driveway in? Are the edges in good shape or do they appear to be crumbling into the yard? How many cracks are there and how wide? While even an extensive network of fine cracks can be fixed with filler and/or sealer, a driveway with more than a handful of cracks half an inch wide or more will likely have to be replaced. Look too, for bits of grass or other plants sprouting in the cracks – more than a handful are a sign that water is leaking into the base of the driveway, which leads to freezing and further breaking up of the driveway surface.

5 – The foundation

Check the walls of the foundation. Inspect what you can see outside the house and check for cracks. If the house has a basement, check the cinder block walls, if they’re exposed to view. Any large cracks running between two or more blocks is a bad sign – the larger and longer, the worse it is. Unfortunately, if the house has a finished basement, you probably won’t be able to inspect the foundation walls closely.

Foundation problems are one of the most expensive things to fix. You’ll probably need an expert to diagnose it properly, but if a house you’re looking at show signs of a bad foundation, it’s a good indication you may want to look elsewhere.

6 – The basement

If the house has a basement, the key thing to be alert for is signs of water damage. First thing to check – does the air smell musty? That’s a dead giveaway of a damp basement. Look around at the floor and walls, if finished – do they show darkened areas that appear to be signs of moisture? Moisture can mean mold, including black mold.

A damp basement can often be corrected by fixing the drainage around the foundation (see above).

7 – The attic

If you’re seriously thinking about buying a house, you need to poke your head into the attic. It’s the first place where signs of a leaking roof will appear. Take a flashlight and shine it back into all the corners – attic lights often don’t illuminate everything. Do you see dark streaks on the wood? That’s a sign that moisture is getting in.

While you’re up there, check to see if the attic is properly insulated. Generally speaking, if the insulation only comes up to the top of the floor joists or below them, the home needs more insulation. Deeper than that is probably at least adequate in most climates, though greater efficiency may be gained by adding more. Adding insulation is a fairly simple and inexpensive thing to do, so if an older house has clearly never had the insulation upgraded, it may be a sign the owner has been lax about upkeep in general.

8 – Electrical

Do all the light switches work? Are the outlets live? You probably won’t want to test every outlet in the house, but a small appliance like a cell phone charger or night light can be used to check some of the outlets to in key places. Multiple dead outlets or switches may be a sign of aging wiring.

In addition, it’s important to check whether the electrical outlets are grounded – in many older homes, they are not. Grounded outlets are essential for the proper operation of surge protectors used to protect sensitive electronics such as computers and digital TVs. And converting ungrounded outlets to grounded ones is expensive.

The fact that an outlet has a grounded-type plug (three holes) and perhaps a reset button (common in bathrooms) doesn’t mean it’s grounded – it just means that’s the type of plug it has. To make sure, you can either use a multimeter to test the ground or buy an inexpensive three-prong receptacle tester at a hardware store, a plug-sized device that will test for both current and ground.

9 – Mechanicals/appliances

How old is the furnace? Twenty to thirty years is the typical life expectancy. Even if it continues to function well beyond that time, the efficiency may be so low that it will be costly to operate, particularly in colder climates. Remember too, that when furnaces fail, it tends to be during the coldest times of year when you need them most.

Air conditioning systems are generally good for 10-15 years, though some may last twice that long. Things to look for: are the condenser coils in good shape or do they appear to be corroding? What about the coolant and drainage lines running from the furnace to the outdoor unit? Are they in good shape or are they or their insulation becoming brittle?

Check appliances such as the washer, dryer and oven/range to make sure everything works properly and look in the refrigerator to make sure it is maintaining a cold temperature. If there is food in it, the meat/produce coolers – frozen items could mean a malfunctioning thermostat.

10 – Fireplace/chimney

This is one that many people overlook, and which often is overlooked in professional inspections as well. In many older homes, the metal firebox and damper can become rusted out, rendering the fireplace unusable. This may not be immediately apparent – you need to check the damper to make sure it functions properly, and use a flashlight and mirror to check the condition of the metal parts that are out of immediate view.

The outside of the chimney itself should be checked for cracks and deteriorating mortar. If you have any concerns, a professional inspection by a chimney and fireplace specialist should be conducted before attempting to build a fire once you’ve purchased the home.

This sort of personal overview isn’t a substitute for a professional home inspection prior to finalizing a purchase, but will give you a good idea of the overall condition of the home prior to making a purchase offer and what sort of repairs or upgrades may be required.

First published on MortgageLoan.com at: http://www.mortgageloan.com/homebuyers-10-flaws-look-out-9740.

Please call or email me with any questions… Let me help make your dream of homeownership come true. I specialize in finding you the right loan that meets your specific needs and financial goals. With mortgage rates still near historic lows, make this year the year to make your homeownership dream come true. Please email me today Kathleen@BeckHomeLoanPro.com or call 916-722-0395 to get started on your dream of home ownership. Kathleen Beck A person you can count on. West Coast Mortgage Group 2716 Broadway Sacramento, CA 95818 NMLS#243181

 

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Why do we light fireworks on the 4th of July?

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The Rockets’ Red, White, and Blue Glare

How did fireworks become America’s Fourth of July pastime?

By Forrest Wickman

For as long as Americans can remember, the nation has celebrated the Fourth of July by staging grand fireworks shows in public squares and lighting smaller displays at home. Why do we commemorate Independence Day by setting off thousands of small explosions?
Because John Adams wanted us to. Before the Declaration of Independence was even signed, he envisioned fireworks as a part of the festivities. In a letter to Abigail Adams on July 3, 1776, he wrote that the occasion should be commemorated “with Pomp and Parade, with Shews, Games, Sports, Guns, Bells, Bonfires andIlluminations from one End of this Continent to the other from this Time forward forever more.” The first commemorative Independence Day fireworks were set off on July 4, 1777. The Pennsylvania Evening Post wrote that in Philadelphia, “The evening was closed with the ring of bells, and at night there was a grand exhibition of fireworks (which began and concluded with thirteen rockets) on the Commons, and the city was beautifully illuminated.” The paper noted that “Everything was conducted with the greatest order and decorum, and the face of joy and gladness was universal.” That same year, fireworks also lit up the sky in Boston, where they were exhibited by Col. Thomas Crafts over the common. By 1783 a large variety of fireworks were available to the public. In 1784 one merchant offered a range of pyrotechnics that included “rockets, serpents, wheels, table rockets, cherry trees, fountains, and sun flowers.”

While some historians have suggested that India first invented fireworks, modern fireworks seem to have come to the West by way of China. Most early fireworks were simply repurposed military munitions, fired for entertainment rather than to frighten or kill the enemy. In the 12th century, the Chinese improved the burning fire arrow (a long-established weapon) by affixing small packs of gunpowder to it. From there it was not long before they invented rockets, simply stuffing a container with gunpowder and leaving a hole in one end for propulsion. These “ground-rats” or “fire-rats,” as they were called, were wildly unpredictable, however, and while this made them less effective, it did contribute to their entertainment value. These rockets made their palace hall debut when emperor Li Tsung brought them before the empress Kung Sheng, but when one scurried up to her, she gathered up her skirts and brought the feast to a halt. During the Renaissance, fireworks became popular in Europe and were used in nationalist and imperialist celebrations by figures like Peter the Great and Louis XIV, who were especially big fans of the pyrotechnics.

Tradition alone, of course, does not explain the popularity of fireworks here and abroad. As with many festive decorations, including streamers, confetti, festival lights, and balloons, people often appreciate them simply for their bright colors. Others may appreciate the technical ingenuity and the choreography that goes into the show. And others just like dramatic loud noises, the sense of destruction, and the thrill of danger. Over time, fireworks shows can bring back memories of other festive occasions and warm summer nights. On the other hand, there are the occasional fireworks haters.

Got a question about today’s news? Ask the Explainer.

Source: http://www.slate.com/articles/life/explainer/2012/07/history_of_fireworks_in_america_why_do_we_celebrate_fourth_of_july_with_fireworks_.html

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Many Overestimate Down Payment Needs

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Here is a good informational article I found on down payment requirements.  Many of the homebuyers I talk with think they have to come in with a larger down payment than is necessary when buying a home.  Kathleen Beck-Mortgage Lender.

By Kara Johnson, Published: June 16, 2014

Potential homebuyers routinely misjudge how much of a down payment they’ll need to buy a home, often assumed they’d need 3-5 times more than is actually required.

A recent survey of renters and adults living in someone else’s found that two out of five said they believed lenders would require a minimum of 15 percent down for a mortgage. In reality, FHA mortgages allow down payments of as little as 3 percent, while borrowers with good credit can get conforming mortgages backed by Fannie Mae or Freddie Mac with as little as 5 percent down.

On average, the non-homeowners responding to the survey said they believed lenders would require a down payment of 11-15 percent. The survey was conducted by the New York analytical firm Zellman and Associates.

The survey found that only 28 percent of all survey respondents thought they could qualify for a mortgage, although that figure rose to 40 percent among the prime first homebuyer demographic of 30-34 year-olds.

Just over one in five borrowers who took out a conforming mortgage (backed by Fannie Mae or Freddie Mac) so far this year have put down 10 percent or less, according to Freddie Mac executive Christina Boyle.

Financial assistance options

In discussing the survey results, Boyle noted that borrowers may be able to obtain assistance in putting together the money for a down payment, such as through gifts from family members or by obtaining a grant or loan from a non-profit agency or public institution.

Boyle noted in particular the HOME Investor Partnerships Program and the American Dream Down payment Initiative, two federal initiatives providing down payment initiatives funded through the Department of Housing and Urban Development (HUD) and other financial assistance to aspiring homeowners. Both are state-based

First published on MortgageLoan.com at: http://www.mortgageloan.com/many-overestimate-down-payment-needs-9731

Please call or email me with any questions… Let me help make your dream of homeownership come true. I specialize in finding you the right loan that meets your specific needs and financial goals. With mortgage rates still near historic lows, make this year the year to make your homeownership dream come true. Please email me today Kathleen@BeckHomeLoanPro.com or call 916-722-0395 to get started on your dream of home ownership. Kathleen Beck A person you can count on. West Coast Mortgage Group 2716 Broadway Sacramento, CA 95818 NMLS#243181

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