how much he wants to pay. The bank handles all of the calculations for you. But if not used wisely, you could owe more on your mortgage than your home is worth. A Flex-ARM is good for those who prefer to have options. The borrower should have large cash reserves for when the mortgage payments enter the later part of the loan. Like interest-only loans, they are great for those who receive bonuses during the year. 6. The Piggy-back Mortgage This is actually two mortgages, one on top of the other. The first mortgage covers 80% of the property's value. The second covers the remaining balance at a slightly higher interest rate. In most cases, borrowers choose a piggy-back mortgage because it allows them to put less than 20% down and still avoid paying private mortgage insurance. The money that would be used towards private mortgage insurance is now tax deductible as interest paid. Homeowners should expect to pay a higher interest rate on a second mortgage. The rates you pay vary greatly depending on your credit score. Since the borrower has very little equity in the home, there is the fear of the home losing value and the borrower owing more than they can sell it for. Piggy-back mortgages are a good fit for young professionals with reasonably high salaries, but no savings. 7. 103s and 107s You may not need to save for a down payment at all. You could borrow 3% or 7% more than your home is even worth. These loans give you the option of borrowing money needed for closing costs and moving costs. You can include it all in the mortgage. The interest rates for these mortgages are high. You run the risk of negative equity if your home loses value. If you have large cash reserves that work better for you in the stock market than in investing in your home, you may want to look at this type of mortgage. 8. Home Equity Line of Credit These aren't just for those who own a home! They are commonly known as HELOCs, and they can finance an original home purchase using a credit line instead of a traditional mortgage. HELOCs are variable-rate mortgages tied to the prime rate. If you use this mortgage as your first mortgage, all of the interest is tax deductible. You simply make a down payment, and the HELOC pays the remainder. You can usually use one for up to 90% of the home's appraisal value. For a higher interest rate, you may qualify for 100%. HELOCs can offer more attractive interest rates. You can also use the equity you build in your home at any time. HELOCs are usually structured
Marcia Ferreira Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Marcia Ferreira Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Marcia Ferreira Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Marcia Ferreira Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Marcia Ferreira Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Marcia Ferreira Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Marcia Ferreira Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Marcia Ferreira Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Marcia Ferreira Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Marcia Ferreira Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Marcia Ferreira Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Marcia Ferreira Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Marcia Ferreira Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Marcia Ferreira Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Marcia Ferreira Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Marcia Ferreira Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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