Fallbrook, CA

MORTGAGE LOCK ADVISORY

March 8, 2012, 6:30 AM PST

Click for Lock Advice Updated Several Times Daily

Mortgage Interest Rate lock Advice for locks within 8 days: FLOAT

Mortgage Points based on 3.5% Mortgage Backed Securities are up 0.06 point.

30 Day Mortgage Interest Rate Lock or Float Advice: FLOAT

MORTGAGE MARKET INDICATORS

National Average Fixed Rate Mortgage 3.90%
MBS (3.5%) - 103.53, High: 103.53, Low: 103.41
DJI Stocks currently $12,905.67, Up $68.34, Change 0.53%
Asian & European Stock Market Indexes Up 1.279%
Nymex Crude Oil Currently $106.38 Up $0.22
Gold 1 Once - 1696

MORTGAGE NEWS BRIEFS

Should buyers take the plunge this spring?
March Buying Advice: Pending sales are up, and experts say the economy is stronger. With mortgage rates still pretty attractive, it might be time for some fence-sitters to become homebuyers. >> Read More MSN.com

FHA 203k Renovation Loans - All You Need To Know - Nine Minute Video

Provide Your Clients With Options - Energy Efficient Mortgages - 4 Minute Video

FHA to Increase Mortgage Insurance April 1, 2012
The FHA Annual premium, paid monthly will increase by 0.10 to 1.25% below $625,000 and 0.75 above to 1.85%. The UFMIP will be increased from 1 percent to 1.75 percent of the base loan amount. This increase applies regardless of the amortization term or LTV ratio. FHA will continue to permit financing of this charge into the mortgage. This change is effective for case numbers assigned on or after April 1, 2012. Mortgagee Letter 12-037

If you are shopping for an FHA Loan for Fallbrook, CA let over 19 years of experience work for you.

Experience AND new ideas count when helping you close your FHA Home Loan in Fallbrook CA. For your next home purchase or refinance consider Kevin Kueneke.

Kevin has closed over 2,500 closed loans in just over 19 years of experience, certified continuing education trainer teaching Realtors and Lenders about FHA and VA loans, and a proven track record of excellent customer service.

Your FHA home loan mortgage professional needs to be backed by one of the nations most well respected mortgage banking firms, AmeriFirst Financial. With a combination of years of experience, plenty of proof handling tough situations under pressure, and the finest company in the country you get a dream team working for you.

For your best rate, lowest costs and guaranteed closing times call on Fallbrook, CA's most reliable team for getting your FHA Home Loan for Fallbrook, CA.

REMEMBER: FHA HOME LOANS IN FALLBROOK AVAILABLE FINANCING UP TO LOAN AMOUNTS OF $697,500. INQUIRE WITHIN!

FHA STREAMLINE REFINANCE AVAILABLE WITH NO INCOME DOCUMENTATION AND NO APPRAISAL!

Fallbrook FHA Loans, San Diego County CA

Are you looking for a Zero Down home loan in Fallbrook, CA? USDA home loans require no money down and closing costs can be paid by the seller making USDA home loans a great alternative to FHA financing. The program is available for properties considered to be in a rural area such as Fallbrook, California. There are many benefits to USDA Home Loans which buyers should be aware of while considering their financing options.

The USDA home loan is a true zero down payment program. In addition, USDA home loans have no mortgage insurance which can result in substantial savings when comparing USDA home loans to FHA home loans:

USDA vs FHA $250,000 Sales price30 Year Fixed 4.25%

Another benefit to the USDA home loans is that it allows for closing costs to be paid in two different ways. The easiest way is to have the seller pay the closing costs. USDA home loans allow for the seller to pay up to 6% of the sales price towards closing costs. There is another way to pay closing costs. If the appraisal on the property comes in higher than the sales price, then you can finance them into the loan amount. Either way is acceptable but in today's market, having the seller pay for closing costs is not uncommon.

Some other key features of USDA home loans are as follows.

• You do NOT need to be a first time home buyer.
• There are no sales price or loan limits when considering a property. Although certain properties are not allowed such as one's with second structures such as barns or granny flats. However, the program requires each property to be in a rural area. It is best to contact me to see if the property that you are considering is in a qualified area.

One caveat to USDA home loans is that it does have very specific income limits base upon family size for each county. However, the income limits are fairly high and generally do not limit one's ability to purchase. For USDA home loans in Fallbrook California, contact me directly via email for income limits.

If you are considering purchasing a home consider USDA home loans in Fallbrook, California. Contact me directly so we can review your qualifications and USDA home loans in greater detail. I'm sure that you will agree that this is a great program for those of you considering purchasing in a rural area.

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