Sign Up for Refinance Leads, Mortgage Refinance Lead Offers #refinance #leads,mortgage #refinance


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We offer Free Marketing Quotes. Talk to our Knowledgeable Account Reps Now!

Sign Up for Refinance Leads

The Lead Planet offers hot refinance mortgage leads as millions of homeowners go online to shop for refinancing loans online. Many borrowers are looking for refinance lenders to help them convert their adjustable rate as their payments have been rising. It seems like every other month we extend mortgage refinance lead offers and promotions to help brokers and net branches maximize their marketing budgets. Borrowers will always have a need to refinance their home mortgages. Many homeowners have first and second mortgage loans that they would like to combine. In most cases our conversion rates on refinance leads is very high. Most of our clients have been closing the most loans each month with our refinance leads. Discuss your lending niches and sales goals with one of our sales reps today and get started with the best mortgage refinance leads online today. We pride ourselves in delivering refinance mortgage leads from homeowners that want to work with competitive lenders.

The hot mortgage refinance leads right now seem to be the borrowers who have first mortgages that just converted to adjustable rate and their payments have been rising. Their motivation to refinance into a fixed rate loan is high, so get your spot locked with the Lead Planet. When the interest rates rise, they would rather not have to refinance their low rate 1st loan. The other popular inquiries from homeowners are in regards to the HARP 3.0 because this program requires no equity as lenders completely disregard the “loan to value” when underwriting these applications. We have seen a significant rise in HARP refinance leads. Let’s face it, with interest rates this low the market remains hot for home refinancing. Why not maximize your efforts buying marketing in a profitable market. For over fifteen years, we have been delivering qualified refinance leads that convert successfully for lenders and brokers across the nation.

Whether your niche is conventional, VA or FHA refinancing, our company understands the dynamics of loan origination and our marketing plans are centered on your niches. The reality is that the mortgage refinancing market will not be hot forever, so take advantage of our high converting refinancing leads that will drive your origination numbers higher each month.

Get signed up now before the lead prices increase. These refinance mortgage leads come directly from interested consumers online. Ask your sales representative about bulk discounts on semi and exclusive refinance leads for sale.

Target Homeowners that want to Refinance their home while interest rates are low.

Lead Planet Custom Filters that We Set Up Around Your Company’s Niches!

FHA Mortgage Leads – After the housing market imploded a few years ago, FHA leads became the most popular refinance lead over the last few years. Many applicants are looking for the FHA streamline program. We generate a high volume of FHA refinance leads.

Home Equity Leads – Millions of homeowners are searching online for a refinance loan that will consolidate their credit line or 2nd mortgage. The Lead Planet provides quality key equity leads that were initiated by homeowners looking for subordinate financing. Talk to bankers and brokers that offer credit line programs now. Ask about the surging conversion rates on cash out refinance leads as well.

Credit Repair Leads – Why not supplement your mortgage income with another revenue stream that helps people out by improving their credit.

Please note that LeadPlanet.com does not offer home refinance programs. LeadPlanet.com is not a bank, credit union, broker or mortgage lender. LeadPlanet.com is a website that provides information about home financing and services that connect consumers to approved lending professionals. We do not offer refinance mortgages directly or indirectly through representatives or agents.

1999-Present, LeadPlanet.com, Lead Planet Company
All rights reserved 888-271-9581 Find out why we are considered a reliable source for refinance mortgage leads online.


FHA Refinancing Options from, fha refinance cash out.#Fha #refinance #cash #out


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FHA Refinancing

Changes in the housing market have given you-and thousands of other Americans-the option to refinance your current home mortgage with a FHA Refinance.

FHA Refinancing is a better option if you have a fair to good credit rating because, generally, FHA standards are less strict. Even if you likely will not qualify for conventional refinancing because of your income level, a FHA Refinance may still be an option for you.

FHA Refinance Requirements

There are some requirements that may apply when trying to refinance your current loan with the FHA. Keep in mind the following are simply guidelines-each borrower’s situation is different.

  • The mortgage that is to be refinanced must ultimately be insured through the FHA.
  • The current mortgage must be current and not delinquent.
  • The results of the refinance must lower the monthly principle and interest payments for the borrower.
  • No cash may be taken out on mortgages refinanced using the streamline refinance process.

Other Information on FHA Refinances

Fha refinance cash out

One Streamline Refinancing option you have is one that includes the closing costs into the new mortgage amount. This of course is only available if enough equity is in the home after it is appraised. The streamline refinance can occur without an appraisal but the new loan will not be able to exceed the original loan amount. If you are not living in the property (i.e., it is an investment property), the refinance can only occur without an appraisal.

FHA Loans by State

The FHA Home Loan Program

The FHA has been insuring loans since the 1930’s, and their refinancing department has been around since the early 1980’s. The FHA/HUD also offers the option of FHA Streamline Refinancing . The “streamline” refers to the amount of paperwork and underwriting involved and not to a monetary factor (such as being cheaper or having no cost at all).

Let FHA Mortgage Center.com be your guide to the benefits of a FHA Loan. FHA Mortgage Center.com is your one stop for all your FHA-related questions.

We update our FHA Lending articles and Help Guide frequently with new FHA information. Our FHA Blog is another great source of information from top industry experts with topics ranging from FHA Loan Limits to current changes in the FHA Program. We offer these resources because, most of all, we want to provide you with information to help you decide if a FHA Loan is the right choice for you.


FHA Loans for First Time Home Buyers & FHA Loans to Refinance


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First Time Home Buyer or Refinance

Do you want to learn more about becoming a first time home buyer .

The FHA program was created as part of the National Housing Act on June 28, 1934. FHA was created to help stimulate the housing market making loans more accessible and more affordable. The FHA program was created as a result of The Great Depression to help anyone including families, the elderly, people on disability and lower-income families be able to buy a home.

After the financial crisis of 2008 all the major banks raised their credit standards for approving FHA loans. Because the banks make the rules for loans they will approve, they may require a minimum credit score of 640 for their loans. These guidelines are the bank’s guidelines.

When you apply for an FHA loan at a major bank and they tell you their minimum credit score requirement is 640. This does not mean that it’s FHA’s minimum credit score requirement. It means that they are the bank’s credit score requirements .

FHA after bankruptcy FHA after foreclosure FHA after short sale

Credit score – On January 20, 2010 FHA announced a new policy to address risk. FHA changed the minimum credit score for new borrowers.

  • FHA requirements new borrowers will now be required to have a minimum credit score of 580 to qualify for 3.5% down payment
  • FHA loan requirements new borrowers with less than a 580 credit score will be required to put down at least 10%

This has allowed the FHA to better balance its risk and continue to provide financing for home buyers.

Debt-to-income ratio – April 1, 2013 FHA loan requirements include a maximum debt to income ratio. When a borrower applies for an FHA mortgage, they are required to disclose all debts, open lines of credit, and all possible approved sources of regular income. Using this data, the lender and FHA can calculate the borrower’s debt-to-income ratio.

  • FHA maximum debt to income ratio can be over 55%
  • Manual underwriting maximum debt to income ratio is 50%

Mortgage Insurance – On January 9, 2015 the Federal Housing Administration (FHA) announced the reduction of it’s annual Mortgage Insurance Premium (MIP) rates.

Effective on or after January 26, 2015 FHA will reduce the premium from 1.35% to .85% a reduction of .5%.

Combined with low interest rates and the reduction of MIP rates means that it is a great time to buy a home or refinance your mortgage.

First Time Home Buyer – FHA Refinance

Closing cost – FHA allows the seller to pay up to 6% of your closing cost.

If you are buying a $100,000.00 house FHA allows the seller to pay up to $6,000.00 for your closing cost. It must be in writing in the sales contract, “Seller will pay up to 6% of buyer’s closing cost.”

If you do not write it into the sales contract then you will be paying the closing cost. In the state of Florida closing cost for a $100,000.00 house average around $4,300.00 depending on taxes, insurance and who’s paying the transfer tax and owner’s title insurance.

By allowing the seller to pay for your closing cost you will decrease the amount of money required to buy a home. Buying a $100,000.00 property requires $3,500.00 down payment and if the seller pays up to $6,000.00 for your closing cost you will only need around $4,000.00 to buy a $100,000.00 in Florida.

Are you short funds to close? The FHA no closing cost loan allows all of your closing cost to be rolled into your loan including your appraisal fee, hazard insurance premium and even your escrow account.

Are you a first time home buyer? Do you need to get pre-approved for a first time home buyer program in Florida? Apply now!

First Time Home Buyer – FHA Mortgage – FHA Refinance

Call us 888.958.5382

www.MORTGAGE-WORLD.com, LLC is a licensed residential mortgage broker in the state of Florida and will match you with the lender that will approve your FHA loan down to a 500 credit score.

We look forward to working with you.

www.MORTGAGE-WORLD.com, LLC is not an agency of the state or federal government and is not affiliated with the Federal Housing Administration. Nationwide Mortgage Licensing System ID 1630225 All loans arranged with third-party providers. Licensed in the State of New Jersey Florida License Number – MBR2317 www.MORTGAGE-WORLD.com, LLC 535 Bergen Blvd. Suite 2 Ridgefield NJ 07657 Call 888.958.5382


FHA 203k loan rehab guidelines and requirements #fha #203k #loan,203-k,home #improvement #loan,fha,


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HUD FHA 203k loan rehab program

Search for a 203-k Consultant

The Federal Housing Administration (FHA), which is part of the Department of Housing and Urban Development (HUD), administers various single family mortgage insurance programs. These programs operate through FHA-approved lending institutions which submit applications to have the property appraised and have the buyer’s credit approved. These lenders fund the mortgage loans which the Department insures. HUD does not make direct loans to help people buy homes.

The FHA 203k loan program is the Department’s primary program for the rehabilitation and repair of single family properties. Basically a home improvement loan. As such, it is an important tool for community and neighborhood revitalization and for expanding homeownership opportunities. Since these are the primary goals of HUD, the Department believes that FHA 203k loan is an important program and they intend to continue to strongly support the program and the lenders that participate in it.

Lenders have successfully used the FHA 203k loan program in partnership with state and local housing agencies and nonprofit organizations to rehabilitate properties. These lenders, along with state and local government agencies, have found ways to combine the FHA 203k loan with other financial resources, such as HUD’s HOME, HOPE, and Community Development Block Grant Programs, to assist borrowers. Several state housing finance agencies have designed programs, specifically for use with FHA 203k loan and some lenders have also used the expertise of local housing agencies and nonprofit organizations to help manage the rehabilitation processing.

HUD also believes that the FHA 203k loan program is an excellent means for lenders to demonstrate their commitment to lending in lower income communities and to help meet their responsibilities under the Community Reinvestment Act (CRA). HUD is committed to increasing homeownership opportunities for families in these communities and Section 203(k) is an excellent product for use with CRA-type lending programs.

This program can be used to accomplish rehabilitation and/or improvement of an existing one-to-four unit dwelling in one of three ways:

� To purchase a dwelling and the land on which the dwelling is located and rehabilitate it.

� To purchase a dwelling on another site, move it onto a new foundation on the mortgaged property and rehabilitate it.

� To refinance existing indebtedness and rehabilitate a dwelling;

To purchase a dwelling and the land on which the dwelling is located and rehabilitate it, and to refinance existing indebtedness and rehabilitate such a dwelling, the mortgage must be a first lien on the property and the loan proceeds (other than rehabilitation funds) must be available before the rehabilitation begins.

To purchase a dwelling on another site, move it onto a new foundation and rehabilitate it, the mortgage must be a first lien on the property; however, loan proceeds for the moving of the house cannot be made available until the unit is attached to the new foundation.


Colorado Home Mortgage Refinance or Purchase of a Home #kc #mortgage #llc,


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Click here to check out my BBB rating!

KC Mortgage Colorado is a Castle Rock Mortgage Broker. locally ownedand operated. We are licensed, bonded and insured. Our website is the quick and easy place to get started towards qualifying and applying for a Purchase or Refinance Home Mortgage inColorado. We know that each customer has specific needs, so we strive to meet those needs with a wide array of services.

We are a Colorado Mortgage Broker that offerscompetitive mortgage rates and closing costs. The products that we offer include, FHA,VA, USDA, Conventional, Fannie Mae Homepath,Jumbo, Reverse mortgages, 203k streamlines and First Time Homebuyers.

Wewill work with you on an individual basis on the purchase ofa new home or refinancing your current home. We willexplain programs and options that you may not know about. We will let you know what loan programs you qualify for and which onesto avoid in your particular situation. We have the team that can meet your mortgage needs.

Kay Cleland is a Lending Integrity Seal Holder.*

NMLS#265374, CO#100026748, Company NMLS#37430

Regulated by theDivision of Real Estate

For Verification of State Licensing Click Here

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Qualifying for a Mortgage on Part-Time Income?
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FHA Refinancing Options from #fha #refinance, #fha #refinancing, #fha #mortgage #refinance, #fha


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FHA Refinancing

Changes in the housing market have given you-and thousands of other Americans-the option to refinance your current home mortgage with a FHA Refinance.

FHA Refinancing is a better option if you have a fair to good credit rating because, generally, FHA standards are less strict. Even if you likely will not qualify for conventional refinancing because of your income level, a FHA Refinance may still be an option for you.

FHA Refinance Requirements

There are some requirements that may apply when trying to refinance your current loan with the FHA. Keep in mind the following are simply guidelines-each borrower’s situation is different.

  • The mortgage that is to be refinanced must ultimately be insured through the FHA.
  • The current mortgage must be current and not delinquent.
  • The results of the refinance must lower the monthly principle and interest payments for the borrower.
  • No cash may be taken out on mortgages refinanced using the streamline refinance process.

Other Information on FHA Refinances

One Streamline Refinancing option you have is one that includes the closing costs into the new mortgage amount. This of course is only available if enough equity is in the home after it is appraised. The streamline refinance can occur without an appraisal but the new loan will not be able to exceed the original loan amount. If you are not living in the property (i.e. it is an investment property), the refinance can only occur without an appraisal.

FHA Loans by State

The FHA Home Loan Program

The FHA has been insuring loans since the 1930’s, and their refinancing department has been around since the early 1980’s. The FHA/HUD also offers the option of FHA Streamline Refinancing. The “streamline” refers to the amount of paperwork and underwriting involved and not to a monetary factor (such as being cheaper or having no cost at all).

Let FHA Mortgage Center.com be your guide to the benefits of a FHA Loan. FHA Mortgage Center.com is your one stop for all your FHA-related questions.

We update our FHA Lending articles and Help Guide frequently with new FHA information. Our FHA Blog is another great source of information from top industry experts with topics ranging from FHA Loan Limits to current changes in the FHA Program. We offer these resources because, most of all, we want to provide you with information to help you decide if a FHA Loan is the right choice for you.

FHA Mortgage Center.com Blog

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