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Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104888648 added 09-17-2017 11:16 PM by PennStateFan in Finance
Depends on the rules/contract. FHA (before 2012) it is 78% LTV and a minimum of 5 years for a 30 year mortgage. For this, it means that it doesn't matter what the market value is of the home (so it...
Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104878492 added 09-17-2017 3:46 PM by Dr. J in Finance
What I meant was, there's no guarantee when you'll reach 80% LTV. You have to pay for an appraisal..... which could be blown money if they don't give you a figure you need.
Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104858696 added 09-16-2017 11:58 PM by PennStateFan in Finance
PMI/MIP is tax deductible. But IRS changes the rules all the time and you must have below a certain income (based on IRS rules of that tax year.
Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104858688 added 09-16-2017 11:57 PM by PennStateFan in Finance
You can get rid of PMI after 80% LTV and it is reflected on the paper work. HOWEVER, FHA you will have PMI for the life of your loan unless you got a FHA before 2012 (I don't remember exactly when...
Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104858660 added 09-16-2017 11:52 PM by heartshacker in Finance
Mine is conventional with 3.5% fixed for 30 year.
Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104849912 added 09-16-2017 3:58 PM by stufine in Finance
You are correct but I'll take the bones the IRS throws out compared to a hard answer of NOT Deductible
Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104833352 added 09-16-2017 5:03 AM by tiedyed1 in Finance
Stufine, one very important thing to know is that MI has not always been tax deductible and the IRS codes regarding MI have changed over years. For example, in 2016 (and I believe 2017) there is the...
Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104824136 added 09-15-2017 6:46 PM by stufine in Finance
Publication 936 from the IRS Mortgage Insurance Premiums You can treat amounts you paid during 2016 for qualified mortgage insurance as home mortgage interest. The insurance must be in connection...
Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104805984 added 09-15-2017 10:27 AM by tiedyed1 in Finance
Great post and I totally agree. In respect to getting rid of Mortgage Insurance: On new FHA loans >90% LTV the MI is for the life of the loan. For 90% LTV or less it is 11 years. On...
Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104800496 added 09-15-2017 8:26 AM by macb in Finance
agreed, PMI is pesky to get rid of -- there's a minimum time it stays on (10 years if I recall), and is not tax deductible. If you want to get rid of it after the minimum required time period and...
Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104793880 added 09-15-2017 5:03 AM by Dr. J in Finance
I understand the need for housing but I've always been weary of PMI..... because there's never a *guarantee* that you can get rid of it.
Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104792808 added 09-15-2017 3:46 AM by tiedyed1 in Finance
Are you all discussing FHA loans (as conventional rates are not currently 3.50%).? The rate means NOTHING without correlating the costs associated with that rate. Plus, while contrary to our...
Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104773700 added 09-14-2017 2:02 PM by dukeblue219 in Finance
5% isn't necessarily horrendous for the economy -- it's the zero documentation loans and ARMs that killed people.
Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104773660 added 09-14-2017 2:00 PM by dukeblue219 in Finance
That's extremely good. In fact, I almost wonder if there's a catch, although it's not entirely unbelievable, either. Are you paying extra for "points" or anything? We refinanced in March of 2016...
Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104768912 added 09-14-2017 11:48 AM by happygooddeal in Finance
I got 3.875% from Chase bank with no Closing Fees. Which bank offer 3.5% ??
Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104764692 added 09-14-2017 10:32 AM by clarkquy in Finance
I got 3.8%, be closed in 3 weeks.
Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104764612 added 09-14-2017 10:30 AM by aaba78 in Finance
5% down..hmm got a feeling were gonna have a correction soon 2008 redux just not as bad
Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104761236 added 09-14-2017 9:16 AM by heartshacker in Finance
I will be paying $107 per month
Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104754116 added 09-14-2017 6:14 AM by macb in Finance
slightly off topic... at 5% down, what is the PMI that you are paying? I have heard it is sky high these days at lower down payment contributions -- just found the answer for FHA loans: Two...
Mortgage apr rate
Thread created 09-13-2017 by heartshacker
0 Score 21 Replies 4,085 Views
Post #104747048 added 09-13-2017 10:13 PM by heartshacker in Finance
thanks. so without discount point u should 3.8% range. in that case i guess i am getting good rate.
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