Understanding Home Loan Terms: 3CALoan

To invest in a property or to buy a new property you need to find a lender who can help you the money needed for that and the lender will do that as fast as possible and you also need to keep home loan terms in your mind. There are many of the variables involved in the home loan terms being offered. It’s important to understand the different home loan terms that are used when speaking of both traditional mortgages from banks and also private money home loans from private money lenders. In this article, we will discuss few of them:

Interest Rate:

When borrower search for a home loan then sides by side they also need a lender who will offer them a favorable interest rate. The interest rate is one of the most important factors. You will definitely don’t want to make a loss by giving a high-interest rate. So, you should compare and contrast lenders when making the decision on who to choose to provide you with the home loan.

Credit Score:

Before applying for a home loan, you should pay off all the debts. After all, lenders take your FICO score into account when providing you with a home loan. Thus, check your credit report before you apply for any home loan. Fix the errors by taking some steps like the following:

Get on the electoral roll

Paying all your bills on time

Close all unused credit cards

Close all the joint accounts that you have with your ex-partners

Loan Amortization:

Simple interest and amortized are two factors from which a home loan can be structured in the different ways. You can calculate simple interest home loan by multiplying the home loan balance by the interest rate. For example, the interest of a $200,000 home loan at 12% interest is $2,000.00 per month.  So, there is no change in principal amount because this amount represents interest only.

An amortized home loan is slightly more involved. It is difficult to calculate without a calculator, so it requires a calculator. In amortization method, the payment will be broken down into a number of years. Each monthly payment is constant. On the remaining balance the interest rate is calculated, so the amount of each monthly payment that accounts for principal and interest changes. If you make more payments, the amount of principal will be less.

 Documents Needed:

Under the home loan terms, you’re required to give your lender some of the following documents:

Your address Proof

Identification documents

Your most recent P60 tax form

Last three monthly statements of all your savings and current accounts

Your Last three months of your paystub

If you receive a gift fund, your lender will require proof if any one of your family members or friends are helping you with the deposit.

Closing:

Home closing fees consist of services and specific fees that you have to pay for closing on your home loan. The closing fees will generally come in between 2% to 6% of the home value but it is also dependent on your home loan program. You can low down closing by taking few actions like:

• Comparing Loan Estimate Forms
• Asking the seller to sweeten the deal
• Thinking before buying points
• Researching homeowners insurance options
• Taking advantage of a military status

Final Thoughts

If you are interested in exploring the options of private money lending or private money home loans for real estate investing or If you still have any doubt of home loan terms, you can contact us at (818) 322-5626 or (818) 3CA-Loan today! Buying a home is a great investment, but you have to be careful and avoid making any costly mistakes. We prioritize informing and educating our clients about the home loan process. Our goal is to provide opportunities for people to meet their financial goals. We help our customers every step of the way. Our competitive rates, efficient services, and talented team can help ease the home loan process.

Our client’s happiness and confidence upon closing a deal reflect our excellent quality services. 3CALoan local mortgage broker provides no tax return home loan which is also called no tax return, without tax return, private hard money home loan, private hard money loan, bank statement home loan, bank statement loan, equity loan and many more. We will run you through the details of home loans and hold your hand throughout the process.

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Understanding Mortgage Points and Fees: 3CALoan

Mortgage points and fees are very simple to understand. Mortgage points are also known as mortgage home loan points or mortgage discount points or origination points. It a way of saying a percentage point of the home loan amount. Mortgage point is basically based on the total home loan amount.

How much do mortgage points cost?

If your loan lender or mortgage broker will say that they are charging you one mortgage point then they actually want to say 1% of your total home loan amount. If your total home loan amount is $300,000 then cost of one mortgage point will be $3,000. And If your loan lender will charge two points, the cost will be $6,000.

Types of Mortgage Points

Your loan lender will charge the home loan mortgage points and fees for doing the home loan. These points are known as the home loan origination fee. This will be not included in your home loan closing cost but it will be included in the lump fee that covers the commission of the loan lender and all your home loan closing cost.

Alternatively, there is pre-paid interest in exchange for a lower interest-rate which you may be charged as mortgage discount points. These types of mortgage points and fees are tax deductible.

If there are no mortgage points and fees mentioned that doesn’t mean that you’re getting a better deal. Your loan lender or mortgage broker will charge that points will charge the mortgage points and fees on the back-end of the deal. In other words, the lender is paying the broker a certain percent for a rate higher than the market rate.

How Your Loan Lender Earn Commissions

In this process, your loan lender earns a commission without charging you directly. You will still pay the price by taking a higher mortgage rate than necessary, which leads to more interest paid -throughout the life of the loan.

When does buying points make sense for you as a homebuyer?

If you will stay in your home for a longer period of time than it will take to recapture the upfront cost of buying points. Generally, to reach a break-even point, you have to wait for at least five years.

How to calculate your break-even point?

Take the price of your points and divide that amount of price by how much you would save on your mortgage by purchasing points in one month. The number you will get will tell that for how many time period you have to wait in order to recoup the money you paid for your points. If you want to reach the break-even point, then you should own the home for a longer period of time.

Final Thoughts

To find out more information about the mortgage points and fees or If you still have any doubt, you can contact us at (818) 322-5626 or (818) 3CA-Loan today! Buying a home together is a great investment, but you have to be careful and avoid making any costly mistakes. Our goal is to provide opportunities for people to meet their financial goals. We help our customers every step of the way. We prioritize informing and educating our clients about the home loan process. Our competitive rates, efficient services, and talented team can help ease the loan process.

Our client’s happiness and confidence upon closing a deal reflect our excellent quality services. 3CALoan local mortgage broker provides no tax return home loan which is also called no tax return, without tax return, private hard money home loan, private hard money loan, bank statement home loan, bank statement loan, equity loan and many more. We will run you through the details of home loans and hold your hand throughout the process.

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UNMARRIED BUT BUYING A HOME TOGETHER? THINGS TO PLAN FOR: 3CALoan

Buying a home together is a big commitment. If you are not married and still buying a home together then you will both have some unique challenges. Before you both sign the contract and become homeowner together, you should know the ins and outs of this. Below we will explain some things which you should understand before taking the home loan for a real estate.

DISCUSS YOUR FINANCES

If you are really thinking about Buying a home together, you should know about the financial condition of each other. Before you discuss the financial background with your home loan lender, you should know about all the details of your partner like financial history, debts on their name, their credit score, and their income. Because after the home loan application process begins, you will also don’t like anything which pops up and causes any conflict. If one of you has a bad credit score, then the holder with a good credit should apply for the home loan alone. Because If you will apply for a home loan with one of you with bad credit then it could affect your approval in a negative way.

DETERMINE HOW COSTS WILL BE SPLIT

It is also important thing while buying a home together that how will you split the closing costs and down payment of your home loan. If you already live together, then it will easy for you to split because you might have planned that who will pay the bills and other expenses. And you will also need to decide that how to handle the monthly payments, monthly emergency repairs, and monthly utilities. You can create a legally binding contract between you two by writing all the expenses in order to keep track with the help of real estate attorney. For funding your home expenses, you can also create a joint bank account because it will beneficial for both of you.

UNDERSTAND OWNERSHIP OPTIONS

If you are buying a home together and splitting the cost, then you will also have to choose the type of ownership you both want to take. You have to take it seriously because this is an important factor while buying a home together with someone you are not married to. If you are paying for a loan but you are not listed as the owner on the title, you will not able to deduct the mortgage interest on your tax return. There are three types of ownership:

Joint Tenancy

In this type of ownership, both of you own the property equally. The property will get in the hand of your partner if something were to happen to you.

Tenancy in Common

In this type of ownership, each owns a percentage of the property. The ownership interest will direct go to any trust if something happens to one of you.

Sole owner

In this type of ownership, one person retains full property ownership rights. For example, if one of you has the poor credit score or if only one of you is paying all the expenses of the house.

ALWAYS HAVE A BACKUP PLAN

Sometimes the things which happen in life don’t turn out as planned. Both of you should have legal protections in place if you are buying a home together but you are unmarried. For buying a home together, it is good to draw up a partnership agreement. It is the best way to avoid the risk and go into your home purchase with a written agreement.

Final Thoughts

Buying a home together is a great investment, but you have to be careful and avoid making any costly mistakes. To find out more information about the ins-and-outs of buying a home together or If you still have any doubt, you can contact us at (818) 322-5626 or (818) 3CA-Loan today! Our goal is to provide opportunities for people to meet their financial goals. Our competitive rates, efficient services, and talented team can help ease the loan process. We help our customers every step of the way. We prioritize informing and educating our clients about the home loan process.

Our client’s happiness and confidence upon closing a deal reflect our excellent quality services. 3CALoan local mortgage broker provides no tax return home loan which is also called no tax return, without tax return, private hard money home loan, private hard money loan, bank statement home loan, bank statement loan, equity loan and many more. We will run you through the details of home loans and hold your hand throughout the process.

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Jumbo Loan vs Conforming Loan: What to Know and How to Choose

For are taking the first mortgage of your life then the whirlwind of terms can seem overwhelming. There are many acronyms, agencies and figures to keep straight between interest rate, PMI, FHA, and APY. You should start reading about jumbo loans, conforming loans, and non-conforming loans, you might found that boring but they will help you to understand the whole home loan process. In this article, we will discuss Jumbo Loan vs Conforming Loan.

Conforming Loans

Conforming loans conform to the GSE guidelines, which are also known as Fannie Mae and Freddie Mac. You may have heard about Fannie Mae and Freddie Mac but never understood what they are or what they do. To reduce some of the costs of home loan lending, loan lenders work with Fannie Mae and Freddie Mac. Conforming loans are loan amount of up to $453,100 or less for single-family homes in the US. But in few parts of US, the limit is higher like Honolulu, Hawaii, where the value of homes is much higher than average. Most people will only need to think about themselves with conforming loans.

Conforming loans offer a few benefits for homebuyers who use them because of the loans often:

• Are easier to qualify for.
• Offer lower interest rates.
• Have lower down payment requirements.
• Come with less-strict credit requirements.

Jumbo Loans

A jumbo loan is one way to purchase a high-priced or luxury home. In case you have a lower debt-to-income proportion and a higher credit score, a jumbo loan might be appropriate for you. A good number of loan specialists offer jumbo home loans currently. It’s true that the requirements are stricter than they used to be. Jumbo home loans are home loans that are more expensive and luxurious than ordinary homes. They exceed the “conforming limit” the greatest loan amount that Fannie Mae and Freddie Mac will purchase. In order to qualify for a jumbo loan, you must make a down payment of at least 20% for a purchase. The lender requires you to show your income. So, make sure to document that information. It is rarer to get a fixed-rate jumbo loan than an adjustable-rate mortgage.

Jumbo Loans offer a few benefits:

• These loans don’t require a mortgage insurance
• Loan lenders do require a smaller down payment

Comparison: Jumbo Loan vs Conforming Loan

Conforming loans are different from jumbo loans. Jumbo loans are different in their size, specifically their total value. If you want to buy an expensive home then you will need to take a jumbo loan. Applying for a jumbo loan is generally more difficult than for a conforming loan. A conforming loan is any loan amount of $453,100 or less. A jumbo loan is any loan higher than $453,100. For the most part, jumbo loans will have marginally higher interest rates than conforming loans because they are comparatively riskier than conforming loans.

FINAL THOUGHTS

Possibly, from the distinctions above, you will find the best loan between Jumbo Loan vs Conforming Loan. If you still have any doubt, feel free to contact us. You have to be careful and avoid making any costly mistakes. Our goal is to provide opportunities for people to meet their financial goals. Our competitive rates, efficient services, and talented team can help ease the loan process. We help our customers every step of the way. We prioritize informing and educating our clients about the home loan process.

Our client’s happiness and confidence upon closing a deal reflect our excellent quality services. You can contact us at (818)322-5626 or (818) 3CA-Loan today! 3CALoan local mortgage broker provides no tax return home loan which is also called no tax return, without tax return, private hard money home loan, private hard money loan, bank statement home loan, bank statement loan, equity loan and many more. We will run you through the details of home loans and hold your hand throughout the process.

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MAJOR MYTHS ABOUT GETTING INTO REAL ESTATE INVESTING

If you want to invest your money in real estate, stocks, or bonds to earn the profit then you should have some knowledge about them. You should have information about getting into real estate investing, no matter you want to earn big or little.

Getting into real estate investing is no longer that you want to buy that house. But it became a way for many people to generate income. You can earn a profit by getting into real estate investing and it is also the oldest form of investing. Many people usually take their chances with hopes that they can earn a big profit after some time by getting into real estate investing. Earlier when there was no way for people to trade in stocks and bonds, getting into real estate investing was the only way to grow their wealth. Many people need help to getting into real estate investing because they can’t afford on their own. Sometimes local hard money officers are the better option than banks. Before you invest in real estate, first you should know about their myths and realities. In this article, we will discuss some myths and facts about getting into real estate investing.

YOU NEED A LOT OF EXTRA MONEY

To make an investment the most important thing is you should have start-up capital. But it is false that to buy and sell properties for profit, you need a million of dollars. Many real estate entrepreneurs earn a big profit on someone else’s dime. Usually, Real estate entrepreneurs have the opportunities in the form of land acquisitions and to make the large-scale purchases affordable they work with other buyers with available capital.

YOU NEED A LICENSE AND SPECIFIC CERTIFICATIONS

Another myth out there is that to make an investment in home and properties only real estate professionals have the correct qualification. This is not atoll true because many individuals buy the discounted properties from the sellers and they do that legally without any license. You can work with the real estate professional.

EXPERIENCE IS REQUIRED

Another myth out there is that to make an investment in home and properties, you should have experience. We can say that if you’ll have experience then you’ll improve your chances for success in the real estate market. It is not the requirement because today’s top investors had to start as a fresher to get where they are today. You can only gain experience when you will do that as a fresher. So, don’t fear to make an investment for the first time.

YOU NEED A LOT OF EXTRA TIME

Many people spend their time in front of a television for a little research to getting into real estate investing. To make a good investment in real estate, you will soon have enough time to collect all the information.

MARKET WILL ALWAYS GO UP

Generally, in a long run real estate does increase in value. Many people bought properties assuming that real estate will always be going to go up and they will earn profit easily. But, it is not true sometimes for most people. There are good opportunities for getting into real estate investing but you have to choose wisely.

FINAL THOUGHTS

Weather, you are investing in stock or securities or getting into real estate investing there are many myths about them. There are many types of home loans in financing real estate but hard money home loans are common. Going with a hard money lender instead can be a good way to avoid traditional financing options. People like the real estate professional, house flippers, builders, and contractors are commonly found opting for this type of home loan. You have to be careful and avoid making any costly mistakes. Our goal is to provide opportunities for people to meet their financial goals through alternative financing options something different from the traditional method of money lending.

Possibly, from the distinctions above, you will find the best way to Investing in a real estate. If you still have any doubt, feel free to contact us. You can contact us at (818) 322-5626 or (818) 3CA-Loan today! 3CALoan local mortgage broker provides no tax return home loan which is also called no tax return, without tax return, private hard money home loan, private hard money loan, bank statement home loan, bank statement loan, equity loan and many more. We will run you through the details of home loans and hold your hand throughout the process.

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Pros and Cons of 15 year home loan fixed mortgage: 3CALoan

There are many different home loans available while buying a home. There are different loan varying term lengths, names, and many other factors to consider. Your local mortgage loan officer will tell you all the things related to the home loan. The local mortgage loan officer will guide you thought out the process of the home loan. In the market, there are different loan term options like a 15 year home loan and 30-year home loans. Also, you have to select an option in the rate of mortgages like an adjustable-rate mortgage or a fixed-rate mortgage. You will get benefits for your specific needs in every different type of loans. On this article, we will discuss a 15 year home loan with a fixed rate. In this type of home loan, “fixed-rate” indicate the interest rate of the home loan and “15” indicate the term of the home loan.

WHAT IS A 15-YEAR FIXED-RATE MORTGAGE?

A fixed-rate mortgage is also known as a vanilla wafer mortgage loan. The loan in which you need to pay the same amount of interest rate for 15 year home loan term. The rate and term of your home loan will affect many parts of the home loan. This type of mortgage will affect things like the amount of the monthly payment of your home loan and total interest rate which you will pay throughout your home loan.

THE LOAN TERM

There are many advantages to a 15 year home loan with fixed-rate. As compared to the 30-year loan, you will pay off your home loan in half of the time. In this type of loan, you will charge less amount of interest rate and you will also build equity faster. By taking this type of loan you will able to focus on other things in your life like paying fees for your children, traveling with your family, saving for retirement and many more.

YOUR MONTHLY PAYMENT

Your monthly payment may be higher with a 15 year home loan than with a 30-year loan term. If your loan amount is $184,000 and you have a fixed interest rate of 3.25%, you’ll pay about $1,045 every month with a 15 year home loan and about $710 a month with a 30-year loan. Because your monthly payment will most likely be lower with a 30-year home loan term than a 15 year home loan term, you may be able to qualify for a larger loan amount if you choose a loan with a longer term.

For example, your loan amount to be funded is $368,000 and you have opted for a fixed interest rate which is 3.25%, your monthly payment will be $2,090 with 15 year home loan and $1,420 with the 30-year home loan. If your loan amount is bigger than you will be able to qualify easily for a loan with longer term.

INTEREST RATES

You will lower interest rate with shorter loan terms. In the example above, for a home loan amount of $368,000, you will get lower interest rate with 15 year home loan term and higher interest rate with 30-year loan term. This is because when you opt for the short-term loan then your local mortgage loan officer assume less risk and they also get their interest back faster.

With a fixed- rate loan, the interest rate for you will remain same for 15 years from now until you make the final payment of your home loan. For example, your interest rate is 3.5%, it will remain same throughout the life of your home loan. It might be good for you because interest rates fluctuate daily.

Final Thoughts

What do you think a 15 year fixed-rate home loan is right for you? Or maybe a 30-year home loan term will be the right option for you. To find out more information about the ins-and-outs of your home loan options, contact us at (818) 322-5626 today! We will run you through the details of loans and hold your hand throughout the process. 3CALoan local mortgage broker provides no tax return home loan which is also called no tax return, without tax return, private hard money home loan, private hard money loan, bank statement home loan, bank statement loan, equity loan and many more. We help our customers every step of the way. We prioritize informing and educating our clients about the home buying process. Our client’s happiness and confidence upon closing a deal reflect our excellent quality services.

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HOW TO TRACK YOUR EXPENSES WHEN FIX AND FLIP HOMES

To easily fix and flip homes you can buy a home for a cheaper price, fix up the things which need to fix in the home and then sell it for more price which you paid off early to buy that home. From last few years, fix and flip homes have become very popular. This is only possible if you have a start-up capital to purchase a home and you can only earn the profit by selling the home quickly. If you don’t have enough capital to purchase the home then you can try private hard money loan. This is the unique opportunity in fix and flip homes to transform your house into a money-making venture. With the assistance of private hard money loan lenders in California, you can fix and flip homes easily.

Way to Earn Profit with Fix and Flip Homes

However, to earn the greatest profit you will need to stay on the top of your timetable. You can avoid going over-budget. This is very difficult to avoid in few situations like you are looking for foreclosures, or you want to buy the home in up-and-coming areas, or you are having a bad credit, then it’s better for you to don’t think about profit. If you want to have a good profit on your investment then you should buy it at the low price, you should make the repairs fast and you should make upgrades to the home. From these steps, the value of the home will definitely increase.

Expenses In Flipping Homes

Along the way, you certainly can’t afford to ignore your expenses. We will discuss few tips to help you to manage expenses throughout the fix and flip homes process. By following these steps you can repay your home loan to private hard money lenders in California in a timely and can earn the greatest profit in the process.

MATERIALS

Before you buy the property, you should check the renovations which you will have to make if you will buy that property. You should be able to anticipate costs for renovations and you will easily identify cosmetic upgrades like flooring and paint. Unfortunately, you can’t estimate all the renovations which you will have to make after purchasing that property until you purchase it. You can control the cost of materials.

MORTGAGE

Private hard money loan is better than the traditional home loan for flipping houses. In traditional home loan you will unable to obtain the home loan if you have a bad credit score but in private hard money loan, the private hard money loan lender doesn’t care about the credit history or any bumps that can damage your credit score, they only focus on the deal in their hand.

LABOR

Usually, people think that labor costs will be easy to control but it could go beyond what you have planned. Many flippers make a group of workers they can trust and already know them for a long time. By those workers, they can be sure that labor is completed in an efficient, timely, and high-quality manner.  Sometimes, there are some situations in which labor delays occur due to some factors like late delivery of materials or incorrect materials delivered or illness among workers or cold weather conditions in these situations your labor costs can differ than what you were thinking.

Final Thoughts

After all these steps you will be on your way to the flip your house easily. We help our customers every step of the way. We prioritize informing and educating our clients about the home buying process. Private Hard Money Lenders will look at your pay stubs, your credit ratings and tax records. If everything checks out then they will request you to put money down.

Our client’s happiness and confidence upon closing a deal reflect our excellent quality services. To find out more information about mortgage, contact us at (818) 322-5626 or (818) 3CA-Loan today! 3CALoan local mortgage broker provides no tax return home loan which is also called no tax return, without tax return, private hard money home loan, private hard money loan, bank statement home loan, bank statement loan, equity loan and many more. We will run you through the details of loans and hold your hand throughout the process.

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Don’t Let Your Past Employment History Affect your Mortgage

The first rule to secure a home loan is you should have 2 years past employment history. This is the thinking of most of the people. We will help you to get you around your sketchy employment past.

Stay in the Same Industry

The true meaning of 2-year past employment history is you need a history of working for at least 2 years consistently. In these 2 years, you can also change your job but that doesn’t mean you change your job from one industry to other.

For example, you are a doctor in any hospital now and have been for one year.  If next year you will choose to be a teacher in a school that’s not the same industry for you and you will not go back to the same position which you have got in the hospital. But if you are in hospital as a doctor and switched to another hospital in the next year, So it might be better for you. You might have better experience. Mortgage loan officer will always look for predictably and consistency.  Mortgage loan officer always wants the job in which you are good and industry in which you have experience. If you have a new job but in the same industry then you have more chances to succeed. According to the Mortgage loan officer, this means you can pay your home loan on time.

Avoid Gaps in Your Past Employment History

Mortgage loan officer doesn’t like the gaps in employment. If you don’t have the job then it will be a big red flag for mortgage loan officer. There are some cases like:

Unemployment for more than Six months-In this case, mortgage loan officer will don’t allow you to have a home loan until you got a new job for at least six months and after your six months work experience you can apply for a home loan.

Unemployment for less than Six months-In this case, mortgage loan officer will allow you to have a home loan after just 30 days at the new job but within the same industry of your work.

You should have a valid reason behind the gap in employment. No matter what was the situation at that time but mortgage loan officer will require the full explanation for your gap in employment. Mortgage loan officer will ask you some questions about gaps in employment like Did you fall ill and had to stop working? Or they can ask Did you leave or were you let go? Just keep in mind that you should have plenty of proof that you can show with your answer.

Look Ahead to Raises

You should tell your mortgage loan officer if you are sure that you have a raise in the future. But for this, you have to provide a valid proof of the raise. For example, your employer can show the details of your raise, including the intended date by writing a letter to the mortgage loan officer. It will be easy for you to qualifying if you have a higher income.

Create Compensating Factors to Make up for Your Past Employment History

You can show your compensating factors to the mortgage loan officer to overlook your past employment history. These things are called “make up” for your sketchy past employment history. From showing these factors you can get a mortgage loan officer on your side. By these factor mortgage loan officer will have the reassurance that you can pay the home loan payments. Compensating factors are:

• High credit score
• Ample assets you can use for reserves
• Low debt ratio

 Figure Out Your 2-Year Average

Mortgage loan officer will take a 2-year average of your income. It will be easy for you and for mortgage loan officer to calculate your job experience If you had the same job for last 2 years. You will have to show W-2s from each job which you have done over those 2 years to the mortgage loan officer.

Final Thoughts

If you don’t have a job then make sure that you should stay on top of your finance. If you default on your loans, then you will damage your credit and then you will have an even harder time securing a loan. You should be honest with your mortgage loan officer. 3CALoan local mortgage broker provides no tax return home loan which is also called no tax return, without tax return, private hard money home loan, private hard money loan, bank statement home loan, bank statement loan, equity loan and many more. We help our customers every step of the way. We prioritize informing and educating our clients about the home buying process. Our client’s happiness and confidence upon closing a deal reflect our excellent quality services. To find out more information about mortgage and how we can help, contact us at (818) 322-5626.

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