5 Steps to Take if You Need Forbearance Relief
Posted by Bill Nazaroff on Friday, December 18, 2020 at 6:24 AM
By Bill Nazaroff / December 18, 2020
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Forbearance programs are helping homeowners manage their monthly mortgage payments right now. Let's connect and follow-up with your lender to make sure you have the information you need to make a confident decision.
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5 Steps to Take if You Need Forbearance Relief
Forbearance programs are helping homeowners manage their monthly mortgage payments right now. Let's connect and follow-up with your lender to make sure you have the information you need to make a confident decision.
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First Time Buyers
Are you a first-time homebuyer? Did you know that if you haven’t owned a property in the last three years that you are considered a first-time homebuyer?
First-Time Home Buyer Advice
You can’t know everything there is to know about buying a home, especially when you’re a first-time homebuyer.
How much down payment do I need for a house?
Many first-time homebuyers believe they have to put 20 percent down on a home. But that’s far from true.
Why do people say you need 20% down?
Average down payments are well under 20 percent. So why do so many people say 20 percent down is the minimum.
How to choose a mortgage lender as a first time home buyer
One of the biggest mistakes first-time homebuyers make is not shopping around for a mortgage.
What credit score do you need to buy a house for the first time?
Most loan programs require a credit score of 620 or higher to buy a house for the first time. That includes conventional loans, most VA loans, and USDA loans (which require 640+).
What qualifies you as a first-time buyer?
If you’re buying your first-ever home, you’re a “first-time homebuyer” by default.
Do I need a home inspection?
Some loan types, like the FHA and VA mortgage programs, require a home inspection to make sure the home meets requirements for safety and affordability.
What are points? How do I know if I should buy them or not?
A point is simply 1 percent of the loan amount. If you choose to “buy your rate down,” or pay “discount points,” you will get a lower interest rate.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is an insurance policy that makes homeownership possible for homebuyers who don’t want to make a 20 percent down payment.
Making An Offer
Before the offer to purchase is created, you must be at least pre-qualified or, better yet, pre-approved by a lender, unless you are paying cash.
Escrow, Now What?
Once your offer is accepted by the seller it starts the escrow period. You will be asked for a down payment, typically 1% of the purchase price.
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