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in the Greater Metro Detroit Area
人们正在利用这个机会从他们的住房贷款中获得更多.
这解释了所谓的巨额贷款或巨额抵押贷款越来越受欢迎的原因.
什么是大额贷款?
A jumbo loan may only be available to those with exceptional credit. 这是因为巨额抵押贷款允许借款人获得比普通贷款符合限额所允许的更大的贷款. The standard is a framework adhered to by Fannie Mae and Freddie Mac, setting a limit on the standard maximum value of an individual home loan package, and the parameters of a jumbo loan exceed those standards.
房利美(Fannie Mae)和房地美(Freddie Mac)是美国政府授权的两家公司,为美国的大部分抵押贷款提供支持或担保. 简而言之, 他们是与联邦政府在住房贷款方面密切合作的金融服务提供商. They are the industry standard, and their job is to remain within the limits of that standard, which are described by the Federal Housing Agency.
A conventional mortgage is eligible to be guaranteed, 购买, or audited by Fannie Mae or Freddie Mac. A jumbo loan, on the other hand, is larger and has higher qualifying requirements. 因为这个原因, when you enter into a jumbo loan agreement, you will be receiving a larger loan than you normally would, and the qualifications are higher than with normal loans.
How Does a Jumbo Loan Work?
The ordinary loan limit is $726,200. 如果你想买一个房子,花费超过你将需要获得巨额抵押贷款资格. The qualifications are more stringent, 但如果你有资格, and you have the ability to manage it, a jumbo loan could be a fantastic option.
这些类型的贷款也被称为不合格贷款,因为它们超出了普通贷款的通常范围. 如果你申请的是普通贷款,它将得到联邦住房管理局、房利美或房地美的支持. Jumbo loans do not enjoy that level of security, which is why those who take them must meet stricter qualifying standards.
A jumbo loan is an agreement between you and your financial service provider. They are not protected by government sanctioned entities if the borrower defaults. Often, a jumbo loan will come with a fixed or adjustable interest rate.
How to 应用 for a Jumbo Loan
To qualify, you will need a higher-than-average credit score. You will need to show a solid employment history and some savings on hand. 你的债务收入比会被考虑在内,你需要付首付款.
完成后,您将收集相关文件,联系您的贷方,并预审资格. 然后,你只需等待你的申请被批准,并完成你的新房交易.
Here at 直接金融, 我们的工作是帮助年轻家庭和首次拥有房产的人踏上美国梦的大门, securing beautiful homes in the Greater Metro Detroit area.
我们的房屋融资专业人士将与您密切合作,以确保您获得所需的金融服务,以满足您的预算和实现您的目标. Get in touch 今天 to learn more.
The housing market is a key part of the nation's economy, 这就是为什么联邦政府把稳定房地产市场的任务交给房利美和房地美. 这也是为什么退伍军人援助(VA)贷款是一个很好的选择的部分原因. 这不仅是奖励我们的军人付出时间的最重要的方式之一, 努力, 和牺牲, but they also provide valuable opportunities to people who deserve it.
在直接金融, 我们与退伍军人和现役军人合作,涵盖各种服务类别. 根据我们的经验,退伍军人管理局贷款是我们政府提供的最重要的服务之一. They give people with a proven work ethic, who may not have deep pockets, 有机会利用他们对国家和社区的承诺,为大底特律地区的家庭获得负担得起的住房贷款.
什么是退伍军人贷款
退伍军人事务部贷款是一种住房抵押贷款,由美国退伍军人事务部向符合条件的现役和退役军人提供担保. The VA loan program is for veterans, persons who are currently enlisted, 储备成员, and some of the surviving spouses of deceased, 失踪, and POW service members.
该计划的目的是为退伍军人提供负担得起的住房贷款,而无需首付. 的部门. of Veterans Affairs does not originate these loans. Instead, they set rules which govern who does and who does not qualify. 这些规则还决定了哪些金融机构可以或不可以提供VA住房贷款.
这意味着与合格的金融服务提供商合作是很重要的, 有经验的, and properly certified to originate VA loans. This helps to ensure that veterans receive a fair deal on their home mortgages. It also gives you plenty of recourse when things do not go according to plan.
VA贷款是如何运作的?
获得无首付退伍军人贷款的第一步是证明你的军事历史. 如果您符合一个或多个合格类别的定义,并与合格的金融服务提供商合作, you will be accepted by the program.
你不会被期望支付抵押贷款保险,因为你会与大多数类型的住房贷款. You will need to pay a VA funding fee which will be equal to .5% to 3.贷款总额的6%. This is necessary to offset the cost of these loans. But don't worry, it is still very affordable, even on an enlisted person's income. 你会很高兴知道,这种抵消费用帮助其他退伍军人像你获得负担得起的房屋所有权.
你的贷款人将被禁止向你收取超过1%的成交费用利息. This is just one of the ways the program makes your funding fee worth paying.
最后, 你还将受益于VA贷款不受其他联邦担保贷款规模限制的事实. The usual upper limit for a federally secured home loan is $647,200. 但对于合格的VA贷款接受者,限额仅取决于您的支付能力.
Who Qualifies for VA Loan?
The qualifications are pretty forgiving. 大多数在战争期间连续服役至少90天或在和平时期连续服役181天的现役或退役军人将符合资格. If you are in the Reserves or the National Guard, you will need six years or more.
如果你有非光荣(OTO)退役,你可能不会自动被取消资格. If you had an early separation, were discharged for medical reasons, or for force reduction reasons, there is a good chance you will still be able to qualify.
If you have any questions about your qualifications, our loan experts at 直接金融 will be happy to help.
How to 应用 for a VA Loan
获得VA贷款的第一步是获得资格证书(COE)。. 申请您的COE, obtain a VA Form 26-1880 from the Veterans Affairs office, fill it out and turn it in. If you are qualified, they will issue your COE to you.
From there, simply go down to your local qualified financial services provider. They will lay out all of the available options, walk you through the process, and offer valuable advice on how to get the most out of your VA loan.
If you qualify for a VA loan, you have many valuable options available to you, options that could form the building blocks for a lifetime of financial security. To learn more about your options, and how 直接金融 can help you secure your Greater Metro Detroit area home, 正规博彩网站评级 今天.
季节性物业是业主自住的独户住宅物业,并非业主/借款人的合法居所.
Competitive, fixed rates for 15- or 20-year terms for new or used mobile homes,
whether in a park or on your own property. Minimum $10,000 loan amount.
你拥有一个环保家园的梦想从这里开始,抵押贷款将支持你的能源和可持续发展目标,并在长期内节省你的钱.