NC Mortgage Experts http://ncfhaexpert.com First Time Home Buyer Tips, Best Mortgage Rates Thu, 29 Jan 2015 18:32:32 +0000 en-US hourly 1 http://wordpress.org/?v=4.1 Saving for a Homehttp://ncfhaexpert.com/first-time-homebuyer/saving-for-a-home/ http://ncfhaexpert.com/first-time-homebuyer/saving-for-a-home/#comments Thu, 29 Jan 2015 15:35:09 +0000 http://ncfhaexpert.com/?p=95 We talk young folks all the time who are doing some pretty creative things to save for a home in North Carolina.  And who can blame them?  Home prices are still lower than they have been – and mortgage interest rates are beginning to inch up.  If you are sick and tired of renting, you […]

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First Time Home Buyer Tips Understanding Real Estate Abbreviationshttp://ncfhaexpert.com/first-time-homebuyer/first-time-home-buyer-tips-understanding-real-estate-abbreviations/ http://ncfhaexpert.com/first-time-homebuyer/first-time-home-buyer-tips-understanding-real-estate-abbreviations/#respond Thu, 29 Jan 2015 14:49:40 +0000 http://ncfhaexpert.com/?p=10345 The post First Time Home Buyer Tips Understanding Real Estate Abbreviations appeared first on NC Mortgage Experts.

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First Time Home Buyer Loans NC FAQshttp://ncfhaexpert.com/first-time-homebuyer/first-time-home-buyer-loans-nc-faqs/ http://ncfhaexpert.com/first-time-homebuyer/first-time-home-buyer-loans-nc-faqs/#respond Thu, 29 Jan 2015 14:22:28 +0000 http://ncfhaexpert.com/?p=7697 Are you tired of hauling the laundry down to a dark basement, or better yet, LIVING in your PARENTS basement?  Maybe it’s time to buy a home for yourself! We’ve heard all of the doubts from folks who think, I am just able to save a LITTLE bit of money renting – HOW am I […]

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How To Buy A House After A Bankruptcyhttp://ncfhaexpert.com/credit/buy-house-after-a-bankruptcy/ http://ncfhaexpert.com/credit/buy-house-after-a-bankruptcy/#respond Wed, 28 Jan 2015 22:37:04 +0000 http://ncfhaexpert.com/?p=9205 A bankruptcy filing can be a devastating blow to your credit, and your emotional well-being, but it doesn’t mean you have to wait 10 years before you can qualify for a mortgage. We talk to so many folks who filed for bankruptcy have been able to obtain a mortgage!  With today’s rules you can buy a house […]

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Buying A Home After Foreclosurehttp://ncfhaexpert.com/usda-loans/buying-home-foreclosure/ http://ncfhaexpert.com/usda-loans/buying-home-foreclosure/#respond Wed, 28 Jan 2015 14:18:44 +0000 http://ncfhaexpert.com/?p=7408 Unlike the waiting periods for FHA, VA and even Fannie Mae after a bankruptcy – the waiting period after a foreclosure is tougher.  The waiting period is bendable, but there’s a very narrow window of what can be approved in less than 36 months. The standard USDA Home Loan guidelines require at least a full […]

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FHA PMI Refinance Refund Charthttp://ncfhaexpert.com/fha/fha-pmi-refinance-refund-chart/ http://ncfhaexpert.com/fha/fha-pmi-refinance-refund-chart/#respond Fri, 23 Jan 2015 14:24:02 +0000 http://ncfhaexpert.com/?p=10274 If you currently have a FHA Mortgage, and you are refinancing, either with a full “application” FHA Mortgage, or with a FHA Streamline Refinance which doesn’t have as much documentation, you might be eligible for a refund of part of your FHA PMI mortgage insurance. ALL mortgages that have less than a 20 percent down […]

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FHA PMI Rates 2015http://ncfhaexpert.com/fha/fha-pmi-rates-2015/ http://ncfhaexpert.com/fha/fha-pmi-rates-2015/#respond Thu, 22 Jan 2015 20:07:50 +0000 http://ncfhaexpert.com/?p=10166 FHA announced that despite some skeptics in Congress, FHA will lower the FHA PMI Rates on January 26th.  The new rates are going down by almost 1/2%.  Because of this reduction, new home buyers will save almost $4000 in five years! The new FHA PMI Rate change will be the 8th change we’ve seen in […]

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First Time Home Buyer Raleigh NC FAQshttp://ncfhaexpert.com/first-time-homebuyer/first-time-home-buyer-raleigh-nc-faqs/ http://ncfhaexpert.com/first-time-homebuyer/first-time-home-buyer-raleigh-nc-faqs/#comments Wed, 21 Jan 2015 16:20:12 +0000 http://ncfhaexpert.com/?p=843 We work with a TON of First Time Home Buyers. We’ve found that they ALL need the same basic information, to avoid costly mistakes.  The first thing to know about the Real Estate Market in Raleigh is that Sellers expect the First Time Home Buyer in Raleigh to talk to a Lender before presenting an […]

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Avoid Same As Cash Offershttp://ncfhaexpert.com/credit/avoid-same-as-cash-offers/ http://ncfhaexpert.com/credit/avoid-same-as-cash-offers/#comments Wed, 21 Jan 2015 16:04:31 +0000 http://howtoimprovemyscore.com/?p=114 Did you know that if you are using the “Same As Cash” options available through department stores, like Best Buy, Macy’s or Rooms To Go you might not be helping your credit scores?  The folks we help found that their credit scores (especially FICO) took a dive when they utilized these types of credit. Why?  Well, […]

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Buy a House – Get a Raise! Mortgage Tax Deduction Ruleshttp://ncfhaexpert.com/first-time-homebuyer/buy-a-house-get-a-raise/ http://ncfhaexpert.com/first-time-homebuyer/buy-a-house-get-a-raise/#respond Wed, 21 Jan 2015 13:20:42 +0000 http://ncfhaexpert.com/?p=1528 Have you filled out your taxes yet?  Are you getting a refund?  NO?!?!  You might need to buy a house!  There are Mortgage Tax Deduction Laws in place that make Home Ownership more affordable.   There are Mortgage Tax CREDITS available for First Time Home Buyers too! Many times we talk to home buyers (especially […]

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