Free Money In Florida for First Time Home Buyers – Understanding the SHIP Loan Program

Free Money In Florida for First Time Home Buyers – Understanding the SHIP Loan Program

Free Money In Florida for First Time Home Buyers – Understanding the SHIP Loan Program


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Home Page > Finance > Loans > Free Money In Florida for First Time Home Buyers – Understanding the SHIP Loan Program

Free Money In Florida for First Time Home Buyers – Understanding the SHIP Loan Program

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Posted: Jul 16, 2009 |Comments: 0

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Understand the S.H.I.P. Loan Program for First Time Home Buyers


While the economy has been tough for the housing market, new homeowners may have had the toughest time. In most parts of the country, the housing supply and reduced prices made purchasing a new home now a good idea. Unfortunately, many lenders also started cracking down on their lending practices. They required higher income levels, increased the interest rates, and started asking for larger down payments. People from lower income backgrounds found it increasingly challenge. In Florida, however, a no money downpayment loan for first time home buyers is making things easier.


Background on the Program


This no money downpayment loan for first time home buyers is available through a program known as S.H.I.P which stands for State Housing Initiative Partnership. The program is available in every county in Florida. Each county receives state funds which they, in turn, use to promote home ownership in their area, particularly among those with the lowest income and the greatest need for financial assistance. However, these government assisted home loans are not just given to everyone. Individuals do need to meet specific requirements.


The Down Payment Assistance Program


Buyers must meet certain qualifications if they are going to receive the no money downpayment loan for time time home buyers. Because the program is for low income families, the household income must not equal more than 120% of the AMI (Area Median Income). Because the AMI varies greatly between Florida counties, this is the most effective way of setting income limits for the program. To prevent buyers from moving into counties where they will be eligible, a one year residency requirement in that county is required as well.


Additionally, buyers are asked to secure the mortgage financing and to complete an education seminar provided free through the S.H.I.P program that educates them on the facts about purchasing a home for the first time. Individuals must also contribute either 1% of the total home?s sale price of ,000 to the purchase as a sign of commitment to honor this partnership.


The buyer isn?t the only one who must meet specific qualification requirements to receive government assisted home loans. The property must also qualify. Obviously, it must be located in the same county. However, the sale price cannot be higher than 9,000 to qualify. That makes sense because the maximum assistance provided is ,000. The total amount homeowners will be eligible for depends on their household income. Another requirement is that the combination of the two loans must not be more than 105% of the home?s appraised value ? this rule is to protect the home buyer from paying too much for a property.


Reasons for Refusal


Following May 2008, a few additional requirements were added to the program to ensure the funds were being used to assist the most eligible individuals. The credit score requirement of 620 was added. However, individuals with lower credit scores can be eligible if they do not have any garnishments, past due revolving accounts, a bankruptcy in the last two years, or past due rent within the last 12 months. Applicants with credit scores below 620 are approved at the discretion of the program, and those are just some of the examples which could disqualify a prospective home buyer.


The Benefits of the Program


The no money downpayment loan for first time home buyers is made to the owners at the time of their closing on the property. While called a loan, it doesn?t work as a loan. Instead, they carry a 0% interest rate so the amount needed for the down payment and borrowed will not increase. Additionally, the loan will be completely forgiven if the homeowners are still in it fifteen years later.


Obviously, this has a tremendous positive impact on low-income families who want to purchase their first home but who may find saving up a 10% or down payment to be nearly impossible. After all, a 10% down payment for a 0,000 home would be ,000 which is a lot of money for anyone to save up.


By forgiving the loan after fifteen years, the program uses these government assisted home loans to encourage people to buy a home, take care of the home, and live in it. After all, purchasing a home is usually a solid investment, even despite the recent slump in the market.


For potential home owners who meet the program?s requirements, it can provide a wonderful opportunity they may not have otherwise had.

Retrieved from “http://www.articlesbase.com/loans-articles/free-money-in-florida-for-first-time-home-buyers-understanding-the-ship-loan-program-1043542.html

(ArticlesBase SC #1043542)

Suzie O’Connor
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For information on FHA, VA, USDA in all 50 states, SHIP Program in the state of Florida and up to date Mortgage rates visit Home Loans Made Easy Online.com

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Why Should You Hire a Lawyer in Buying a House in Newburgh, NY?

Why Should You Hire a Lawyer in Buying a House in Newburgh, NY?

Why Should You Hire a Lawyer in Buying a House in Newburgh, NY?


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Home Page > Law > Why Should You Hire a Lawyer in Buying a House in Newburgh, NY?

Why Should You Hire a Lawyer in Buying a House in Newburgh, NY?

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Why Should You Hire a Lawyer in Buying a House in Newburgh, NY?

By: Virginia Drew

About the Author

Visit http://www.newburghrealestatelawyer.com to find a competent real estate lawyer in Newburgh, NY. Free guide has tips on Why you should hire a lawyer when buying or selling a house, why do you need title insurance, 5 questions to ask a prospective real estate lawyer, how much a lawyer should charge for a closing.

(ArticlesBase SC #2716615)

Article Source: http://www.articlesbase.com/Why Should You Hire a Lawyer in Buying a House in Newburgh, NY?





You are buying a new house. But before doing it by yourself you should ask first persons who can help you legally in that matter. Of course you are saving up money that is why you want to do things yourself. But you should think not just twice or thrice but several times in doing it yourself. Yes! You could be saving money but you might be risking a lot of money if things went wrong.

Most of us do not really think that buying a house is a complicated matter. Procedure in buying a house includes drafting and reading legal documents that are necessary in the deal to be made. It involves expertise in standard practices in real estate transactions. All transactions that are legal require a tremendous amount of paperwork to be done. That is why in buying a house you need a lawyer to do the paperwork for you. Unless of course, if you are a lawyer.
Most people will buy houses few times in their lives. That is why it is very safe to leave the legal matters to a lawyer. If you do things yourself you will surely encounter a lot of risks and obstacles.

Here are the complicated tasks that you will need to do in buying a house:

1. Discuss the sales of the contract:

Lawyers want the best deal for their clients. That is why you need to have a good lawyer to do the legal job for you. They are the ones who know what is best for you. If you do it yourself you might not know what the terms that are stated in the contract. If you have a lawyer he will explain the contract to you and you will just leave it to him.

2. Meet the exact deadlines:

In buying a house you need to have an exact deadline for it because if not you might spend more money. Your lawyer will do the stern meeting of the deadline. He knows the legal matters and he will do the best thing to avoid you spending much money.

3. Get hold of financing:

In contract signing it involves a lot of paper to sign. There are also legal terms that are not so common to you. If you hire an attorney he will explain all the terms stated in the contract.

4. Examines the property:

Your Lawyer will do all the legal matters in keeping sure that you are buying a good house. He will check if the person you are buying at is the legal owner of the house. He will also check if all the taxes of the house are paid. He will make sure that you are not fooled of the houses legality and structuralism.

5. Get insurance or mortgage for the House:

If you hire a lawyer he will not only make sure that all things are legal. He will also help you in obtaining a good insurance company that will be responsible of your house if any disasters would occur in the future.

Retrieved from “http://www.articlesbase.com/law-articles/why-should-you-hire-a-lawyer-in-buying-a-house-in-newburgh-ny-2716615.html

(ArticlesBase SC #2716615)

Virginia Drew
About the Author:

Visit http://www.newburghrealestatelawyer.com to find a competent real estate lawyer in Newburgh, NY. Free guide has tips on Why you should hire a lawyer when buying or selling a house, why do you need title insurance, 5 questions to ask a prospective real estate lawyer, how much a lawyer should charge for a closing.

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Why Should You Hire a Lawyer in Buying a House in Newburgh, NY?

Why Should You Hire a Lawyer in Buying a House in Newburgh, NY?

Why Should You Hire a Lawyer in Buying a House in Newburgh, NY?


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Home Page > Law > Why Should You Hire a Lawyer in Buying a House in Newburgh, NY?

Why Should You Hire a Lawyer in Buying a House in Newburgh, NY?

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Why Should You Hire a Lawyer in Buying a House in Newburgh, NY?

By: Virginia Drew

About the Author

Visit http://www.newburghrealestatelawyer.com to find a competent real estate lawyer in Newburgh, NY. Free guide has tips on Why you should hire a lawyer when buying or selling a house, why do you need title insurance, 5 questions to ask a prospective real estate lawyer, how much a lawyer should charge for a closing.

(ArticlesBase SC #2716615)

Article Source: http://www.articlesbase.com/Why Should You Hire a Lawyer in Buying a House in Newburgh, NY?





You are buying a new house. But before doing it by yourself you should ask first persons who can help you legally in that matter. Of course you are saving up money that is why you want to do things yourself. But you should think not just twice or thrice but several times in doing it yourself. Yes! You could be saving money but you might be risking a lot of money if things went wrong.

Most of us do not really think that buying a house is a complicated matter. Procedure in buying a house includes drafting and reading legal documents that are necessary in the deal to be made. It involves expertise in standard practices in real estate transactions. All transactions that are legal require a tremendous amount of paperwork to be done. That is why in buying a house you need a lawyer to do the paperwork for you. Unless of course, if you are a lawyer.
Most people will buy houses few times in their lives. That is why it is very safe to leave the legal matters to a lawyer. If you do things yourself you will surely encounter a lot of risks and obstacles.

Here are the complicated tasks that you will need to do in buying a house:

1. Discuss the sales of the contract:

Lawyers want the best deal for their clients. That is why you need to have a good lawyer to do the legal job for you. They are the ones who know what is best for you. If you do it yourself you might not know what the terms that are stated in the contract. If you have a lawyer he will explain the contract to you and you will just leave it to him.

2. Meet the exact deadlines:

In buying a house you need to have an exact deadline for it because if not you might spend more money. Your lawyer will do the stern meeting of the deadline. He knows the legal matters and he will do the best thing to avoid you spending much money.

3. Get hold of financing:

In contract signing it involves a lot of paper to sign. There are also legal terms that are not so common to you. If you hire an attorney he will explain all the terms stated in the contract.

4. Examines the property:

Your Lawyer will do all the legal matters in keeping sure that you are buying a good house. He will check if the person you are buying at is the legal owner of the house. He will also check if all the taxes of the house are paid. He will make sure that you are not fooled of the houses legality and structuralism.

5. Get insurance or mortgage for the House:

If you hire a lawyer he will not only make sure that all things are legal. He will also help you in obtaining a good insurance company that will be responsible of your house if any disasters would occur in the future.

Retrieved from “http://www.articlesbase.com/law-articles/why-should-you-hire-a-lawyer-in-buying-a-house-in-newburgh-ny-2716615.html

(ArticlesBase SC #2716615)

Virginia Drew
About the Author:

Visit http://www.newburghrealestatelawyer.com to find a competent real estate lawyer in Newburgh, NY. Free guide has tips on Why you should hire a lawyer when buying or selling a house, why do you need title insurance, 5 questions to ask a prospective real estate lawyer, how much a lawyer should charge for a closing.

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Searching for Colorado Online Mortgage Quotes

Searching for Colorado Online Mortgage Quotes

Searching for Colorado Online Mortgage Quotes


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Home Page > Business > Searching for Colorado Online Mortgage Quotes

Searching for Colorado Online Mortgage Quotes

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Searching for Colorado Online Mortgage Quotes

By: 1st American Mortgage

About the Author

This article is written by J.B. of 1st American Mortgage and Loan, LLC, a Colorado mortgage lender who offers access to information on obtaining a Colorado mortgage loan as well as other information on loans inColorado online mortgage quotes, and rates through his website TrueMortgageQuote.com http://www.truemortgagequote.com).

(ArticlesBase SC #296324)

Article Source: http://www.articlesbase.com/Searching for Colorado Online Mortgage Quotes





Going on the internet is a great way to start a search for Colorado mortgage rates, especially if you want a true mortgage quote from a Denver mortgage company.

Getting a Colorado online mortgage quote is a practical answer for borrowers who are looking for a Denver mortgage company and has many built-in advantages.

The Ease of Getting A Colorado Online Mortgage Quote

Online, it’s easy to apply with a Colorado or Denver mortgage company. Colorado online mortgage quote applications will take borrowers only minutes to fill out when they

have their information ready. With an online application, there is no time on hold. Instead, you’ll get a call back with loan options and Colorado mortgage rates in just a short time. The process is made to save a borrower lots of time. Borrowers will have the ability to find out exactly what a Denver mortgage company needs, so there is no time wasted with a lender waiting for the right information needed to give a true mortgage quote.

Colorado Online Mortgage Rates Help A Borrower Get A True Mortgage Quote,

Colorado online mortgage quote providers give a better quote because they have a complete and accurate profile from a lender, which assists in getting a true mortgage quote. When a lender can see exactly what is needed to make a specific and precise quote for an individual Colorado mortgage rate. With all of the information, a borrower and lender can get a true mortgage quote.

Why does that make a difference? When customers contact a potential Denver mortgage company, they are looking typically at one thing — the rate. But Colorado mortgage rates are different for different customers. No two are ever the same. So a Denver mortgage company giving a flat rate is impossible. There is no way to guarantee to  rate without having information like the amount of the loan, the price, the credit and debt status. With all of this information ahead of time, like with an online application, a Denver mortgage

company can prepare a Colorado online mortgage quote based on the detailed facts, not assumptions.

What to Watch Out For When Shopping for Colorado Online Mortgage Rates

Getting an Colorado online mortgage quote doesn’t dismiss person-to-person communication. Instead, it is a tool for accuracy and a faster way to get an accurate quote. A borrower must still communicate with a live Denver mortgage company associate. There is still a need to look over all of the information carefully to ensure there is the best overall Colorado online mortgage quote for the borrower, with not only the Colorado mortgage rate, but closing costs and other fees. A borrower should also make sure that the lender is a Denver mortgage company with the knowledge of Colorado real estate and not just an out-of-state company with out-of-state contacts.

No matter who a borrower chooses or how they start the process, they will need to put the company they ultimately pick to the test and ensure they will get a true mortgage quote and a flexible product.

Retrieved from “http://www.articlesbase.com/business-articles/searching-for-colorado-online-mortgage-quotes-296324.html

(ArticlesBase SC #296324)

1st American Mortgage
About the Author:

This article is written by J.B. of 1st American Mortgage and Loan, LLC, a Colorado mortgage lender who offers access to information on obtaining a Colorado mortgage loan as well as other information on loans inColorado online mortgage quotes, and rates through his website TrueMortgageQuote.com http://www.truemortgagequote.com).

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First Time Home Buyer Programs

This article is written by J.B. of 1st American Mortgage and Loan, LLC, a Colorado mortgage lender who offers access to information on obtaining a Colorado mortgage loan as well as other information on loans inColorado online mortgage quotes, and rates through his website TrueMortgageQuote.com http://www.truemortgagequote.com).

Should FHA home loans be more expensive?

Should FHA home loans be more expensive?

Should FHA home loans be more expensive?


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Home Page > Finance > Mortgage > Should FHA home loans be more expensive?

Should FHA home loans be more expensive?

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Should FHA home loans be more expensive?

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Should FHA home loans be more expensive?

The federal FHA mortgage insurer’s reserve fund has slipped below its mandated minimum. Now the FHA and some lawmakers want to raise the minimum requirements-

 FHA loan Advantages Include:

Minimal Down Payment and Closing Costs.

Down payment less than 3.5% of Sales Price Gift for down payment and closing costs allowed. No reserves or required. FHA regulated closing costs. Seller can credit up to 6% of sales price towards buyers costs.

Easier Credit Qualifying Guidelines such as:

Minimum FICO credit score of 540. FHA will allow a home purchase 2 years after a Bankruptcy. FHA will allow a home purchase  3 years after a Foreclosure

Easier Debt Ratio & Job Requirement Guidelines such as:

Higher Debt Ratio’s than other home loan programs. Less than two years on the job is allowed. Self-Employed individuals o.k.

www.FHAmortgageFHAloan.com

Should it be more expensive to get a FHA mortgage insured by the Federal Housing Administration?

That is the question the House Financial Services Committee examined on Wednesday afternoon.

Currently, FHA home loans comprise more than 30% of the entire mortgage loan market. But as some of those FHA insured loans have defaulted, the FHA mortgage  loan-guarantee fund has slipped below the Congressionally mandated 2% level. As a result, some lawmakers are suggesting that FHA mortgages need to be more expensive to obtain.

In fact, a House bill, the FHA Taxpayer Protection Act of 2009, would increase the FHA loan minimum down payment required to obtain an FHA loan to 5% from 3.5%. That, sponsor Rep. Scott Garrett, R, N.J., believes, would make FHA mortgage applicants more committed to maintaining their FHA home loans.

Almost 90% of FHA mortgage loans issued between January and August 2009 had FHA Home loan-to-value (LTV) ratios of 96 or higher, according to written testimony from Robert Story, chairman of the FHA Mortgage Bankers Association. That amounts to a very small commitment on the parts of FHA mortgage applicants.

Housing and Urban Development secretary Shaun Donovan’s testimony said he is committed to raising the expense of utilizing FHA mortgage loans, though the agency and is still exploring the best options and doesn’t necessarily support raising the FHA down payment requirement.

“We have made the decision to exercise our authority to increase FHA’s up-front cash requirement  that a borrower has to bring to the table in an FHA insured home loan — to make sure that FHA mortgage applicants have more ‘skin in the game’ and a stronger equity position in their FHA home loan,” he said.

Still, he added, “FHA is not ‘the next subprime’ as some have suggested.”

He disputed Garrett’s statistics that tried to make the case for increasing down payments. Garrett said that FHA home loans with loan-to-value ratios of 100 were twice as likely to fail as those with LTVs of 95.

Donovan responded that many of those failed 100 LTV loans involved seller-supported down payment programs, which contributed disproportionately to delinquencies. Last year Congress prohibited those FHA mortgage programs.

Donovan outlined three options for raising FHA borrowers’ skin in the game:

Increase the down payment requirement, currently at a minimum of 3.5%; Raise the up front premium insurance premium from 1.75% to as much as 3%, which the FHA already has the authority to do; and Decrease the allowable seller concessions for closing costs, which are now 6%, to 3%.

Critics of increasing the up front borrowing costs claim it’s both unnecessary and could imperil the weak housing market recovery.

“While the FHA mortgage program is experiencing shortfalls in its excess reserves due to our economic crisis, The FHA mortgage remains financially strong and a critical part of our nation’s economic recovery,” said Vicki Cox Colder, president of the National Association of Realtors, in her written testimony before the committee.

Besides, she added, “It is important to recognize that this is not FHA’s only reserve fund. FHA also has a Financing Account separate from the Capital Reserve. FHA’s actual total reserves are higher than they have ever been with combined assets of .4 billion. This is an increase of 13% over the previous year.”

Donovan acknowledged problems at FHA, including antiquated systems and equipment and inadequate personnel numbers.

“Little of this may have been obvious when FHA’s mortgage market share was 3% as recently as 2006,” he said in his statement. “But when our mortgage markets collapsed last fall, and homebuyers increasingly turned to the FHA home loans for help, the potential consequences of these lapses in risk management became very clear.”

The agency has acted to lower risk over the past several months. It hired a chief risk officer to improve risk assessment; increased enforcement efforts that resulted in suspending some FHA mortgage lenders and withdrawing FHA-approval for many others; and strengthened underwriting, including instituting FHA loan procedures that should improve appraisal accuracy.

“Charging more [for those with lower FICO scores] is not necessarily the answer,” said the HUD secretary. “It could even work against it by making it harder for FHA mortgage applicants to pay off their FHA home loans.”

Besides that, Donovan expressed a real reluctance for the idea of FHA mortgage loans becoming an even bigger player in the FHA mortgage market than it is now. Raising prices for borrowers with low FICO scores and lowering them for those with high scores could put the FHA in direct competition with private FHA mortgage  lenders for the lower risk borrowers.

FHA -loan risk has also declined, some industry analysts believe, thanks to the drastic improvement in the quality of borrowers it services. According to Keith Gumbinger of HSH Associates, a publisher of mortgage industry information, their average credit score has jumped to 693 from the low 600s two years ago.

Janis Bowdler, a director for the National Council of La Raza, a Hispanic civil rights organization, said, “According to the FHA, had loans not been made using seller down payment assistance programs, known for being a haven for fraud and abuse, its capital reserve ratio would still be at the recommended 2%.”

She emphasized how important affordable FHA loans are to the minority community, which accounts for a much larger share of these mortgages than the greater mortgage market.

Ann Schnare, a partner with Empiris, an economic consulting firm and a veteran mortgage industry figure, said she thinks the agency could take a few small steps, like increasing the down payment requirement, to ensure the account’s viability.

“While FHA mortgage are required to put 3.5% down, they are also allowed to finance the up-front premium and a portion of their closing costs,” she said. “The net result is that many FHA borrowers are in a zero or even negative equity position the moment they move into their homes. This dramatically increases the risk of foreclosure, particularly in a bad economic environment and a weak or declining housing market.”

She also recommends an slight increase in monthly insurance premiums to build up the reserve fund.

Donovan said stepped up enforcement itself could help restore the Capital Reserve Account. Most of the projected losses over the next five years, 71%, will come from loans already on the books. Many of those loans were of poor quality due to negligence on the part of lenders.

He wants to go after those lenders to make them responsible for the losses the FHA suffered. 

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http://www.fhamortgageprograms.com/florida/Wauchula/
http://www.fhamortgageprograms.com/florida/Wesley-Chapel/
http://www.fhamortgageprograms.com/florida/west-palm-mortgage.shtml
http://www.fhamortgageprograms.com/florida/Winter-Park/
http://www.fhamortgageprograms.com/florida/Broward-County/
http://www.fhamortgageprograms.com/florida/Palm-Beach-County/
http://www.fhamortgageprograms.com/florida/Dade-County/
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http://www.fhamortgageprograms.com/florida/Naples/
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How To Get Your Government Housing Grant

How To Get Your Government Housing Grant

How To Get Your Government Housing Grant


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How To Get Your Government Housing Grant

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How To Get Your Government Housing Grant

By: Lara Sawyer

About the Author

Lara Sawyer is a professional loan advisor used to solving bad credit problems and helping people secure home loans, carloans, personal loans, unsecured credit cards, home equity loans, refinance mortgage loans and plenty of other financial products. Whether you want to learn more about Loan Consolidation Bad Credits and Bad Credit Fast Loans or find information about other loan types, just visit: http://www.fastguaranteedloans.com/

(ArticlesBase SC #1060326)

Article Source: http://www.articlesbase.com/How To Get Your Government Housing Grant





There are multitudes of agencies with the federal government that have grant programs to assist certain groups of individuals in obtaining funding to pay down on a home, or to secure a government loan for purchasing a home. Government grants can mean the difference between renting and becoming a homeowner for many people.

Low Income Borrowers

One group of people that are assisted by government grants is low-income individuals. There are grants available to not only assist with obtaining a down payment, such as those offered by the office of Housing and Urban Development (HUD), but in buying a home through a government program, such as those available for purchase through the Farmers Home Administration (FHA), and grants for repairing existing homes to make them more livable, such as programs through the United States Rural Development Association (USDA). These programs are needs based, so you will have to meet certain income thresholds to qualify for grants and assistance under these agencies. A formula for determining eligibility usually takes into account such factors as income and number of people who reside in the household.

Housing Assistance

Additionally, HUD provides grants for housing assistance for those who have limited income and resources, or for the homeless, in the form of Section 8 rental assistance, whereby a voucher is issued for the household to receive all or a portion of their rent paid under the program guidelines. Recipients of HUD Section 8 housing assistance vouchers usually are required to be placed on a waiting list, with those in the most immediate need (such as homeless or displaced by fire or other calamity) being moved to the top of the list first. Those who qualify will also be required to attend a seminar that details their assistance, and outlines participation requirements.

Once approved, successful candidates will receive a voucher that is issued to their landlord each month when the rent is due, for either all of a needs-based part of the rent to be paid with. In addition, dependent upon income, HUD may also send program participants a check to use towards utility payments, such as electricity, water, sewer, and garbage collection, each month. Oftentimes, recipients of rental assistance can be moved in to home ownership through the same agency after a period of successful participation.

Down Payment Assistance

Most of the grant money available is in the form of down payment assistance. This money does not have to be repaid. The money to pay down on your new home is provided by the grant. This can go a long way for those borrowers who can afford monthly payments but do not have the means to afford a down payment to retain the home. Down payment assistance is typically ten percent of the purchase price of the home. Homes must meet certain requirements and be inspected prior to approval of your application for down payment assistance.

Elderly And Disabled

Some lenders, such as HUD and USDA, provide government backed assistance to receive loans to finance homes for low income, elderly, or disabled persons at low interest rates. The application process can be tricky, so having a representative of the agency assist you in filing your application is recommended. Your financial picture will be assessed, and you may be required to attend workshops on becoming a better borrower. Once approved, the home you purchase must undergo rigorous inspections to pass all of the individual agency requirements before you can close the deal.

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Lara Sawyer
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Lara Sawyer is a professional loan advisor used to solving bad credit problems and helping people secure home loans, carloans, personal loans, unsecured credit cards, home equity loans, refinance mortgage loans and plenty of other financial products. Whether you want to learn more about Loan Consolidation Bad Credits and Bad Credit Fast Loans or find information about other loan types, just visit: http://www.fastguaranteedloans.com/

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Free Money In Florida for First Time Home Buyers – Understanding the SHIP Loan Program

Free Money In Florida for First Time Home Buyers – Understanding the SHIP Loan Program

Free Money In Florida for First Time Home Buyers – Understanding the SHIP Loan Program


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Free Money In Florida for First Time Home Buyers – Understanding the SHIP Loan Program

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Free Money In Florida for First Time Home Buyers – Understanding the SHIP Loan Program

By: Suzie O’Connor

About the Author

For information on FHA, VA, USDA in all 50 states, SHIP Program in the state of Florida and up to date Mortgage rates visit Home Loans Made Easy Online.com

(ArticlesBase SC #1043542)

Article Source: http://www.articlesbase.com/Free Money In Florida for First Time Home Buyers – Understanding the SHIP Loan Program





Understand the S.H.I.P. Loan Program for First Time Home Buyers


While the economy has been tough for the housing market, new homeowners may have had the toughest time. In most parts of the country, the housing supply and reduced prices made purchasing a new home now a good idea. Unfortunately, many lenders also started cracking down on their lending practices. They required higher income levels, increased the interest rates, and started asking for larger down payments. People from lower income backgrounds found it increasingly challenge. In Florida, however, a no money downpayment loan for first time home buyers is making things easier.


Background on the Program


This no money downpayment loan for first time home buyers is available through a program known as S.H.I.P which stands for State Housing Initiative Partnership. The program is available in every county in Florida. Each county receives state funds which they, in turn, use to promote home ownership in their area, particularly among those with the lowest income and the greatest need for financial assistance. However, these government assisted home loans are not just given to everyone. Individuals do need to meet specific requirements.


The Down Payment Assistance Program


Buyers must meet certain qualifications if they are going to receive the no money downpayment loan for time time home buyers. Because the program is for low income families, the household income must not equal more than 120% of the AMI (Area Median Income). Because the AMI varies greatly between Florida counties, this is the most effective way of setting income limits for the program. To prevent buyers from moving into counties where they will be eligible, a one year residency requirement in that county is required as well.


Additionally, buyers are asked to secure the mortgage financing and to complete an education seminar provided free through the S.H.I.P program that educates them on the facts about purchasing a home for the first time. Individuals must also contribute either 1% of the total home?s sale price of ,000 to the purchase as a sign of commitment to honor this partnership.


The buyer isn?t the only one who must meet specific qualification requirements to receive government assisted home loans. The property must also qualify. Obviously, it must be located in the same county. However, the sale price cannot be higher than 9,000 to qualify. That makes sense because the maximum assistance provided is ,000. The total amount homeowners will be eligible for depends on their household income. Another requirement is that the combination of the two loans must not be more than 105% of the home?s appraised value ? this rule is to protect the home buyer from paying too much for a property.


Reasons for Refusal


Following May 2008, a few additional requirements were added to the program to ensure the funds were being used to assist the most eligible individuals. The credit score requirement of 620 was added. However, individuals with lower credit scores can be eligible if they do not have any garnishments, past due revolving accounts, a bankruptcy in the last two years, or past due rent within the last 12 months. Applicants with credit scores below 620 are approved at the discretion of the program, and those are just some of the examples which could disqualify a prospective home buyer.


The Benefits of the Program


The no money downpayment loan for first time home buyers is made to the owners at the time of their closing on the property. While called a loan, it doesn?t work as a loan. Instead, they carry a 0% interest rate so the amount needed for the down payment and borrowed will not increase. Additionally, the loan will be completely forgiven if the homeowners are still in it fifteen years later.


Obviously, this has a tremendous positive impact on low-income families who want to purchase their first home but who may find saving up a 10% or down payment to be nearly impossible. After all, a 10% down payment for a 0,000 home would be ,000 which is a lot of money for anyone to save up.


By forgiving the loan after fifteen years, the program uses these government assisted home loans to encourage people to buy a home, take care of the home, and live in it. After all, purchasing a home is usually a solid investment, even despite the recent slump in the market.


For potential home owners who meet the program?s requirements, it can provide a wonderful opportunity they may not have otherwise had.

Retrieved from “http://www.articlesbase.com/loans-articles/free-money-in-florida-for-first-time-home-buyers-understanding-the-ship-loan-program-1043542.html

(ArticlesBase SC #1043542)

Suzie O’Connor
About the Author:

For information on FHA, VA, USDA in all 50 states, SHIP Program in the state of Florida and up to date Mortgage rates visit Home Loans Made Easy Online.com

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