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You are here: Home / Archives for home loan

Financing a Home Could be Easier in 2020

December 12, 2019 By Scott Sandberg Leave a Comment

New FHA Loan Limits Set to Rise Next Year

Home prices have been on the rise, both nationally and locally. To help consumers keep pace, the Federal Housing Administration (FHA) is set to increase its loan limit in 2020. This is important, as fewer home buyers will be required to qualify for “jumbo” loans, which can’t be purchased or securitized by the FHA. These jumbo loans typically require exceptional credit scores and a very low debt-to-income ratio.

Beginning in 2020, FHA loan limits for single family homes in St. Johns, Duval, Clay and Nassau will be $373,750.

That’s up from $358,800 in 2019. 

If you’re considering buying a home next year, or would just like to get pre-qualified to see how much home you can afford, check out some of the lenders on our Service Providers for Home Buyers page. They’ll be happy to help you determine how much home you can afford, and what loan products make the most sense for you.

Filed Under: Blog, Homebuyers Tagged With: FHA, Home Buyers, home loan, mortgage

The People You’ll Need to Know when Buying a Home

September 25, 2018 By Scott Sandberg Leave a Comment

Going it alone is not really an option when buying a home…make sure you have the right people on your team.

Home Buyer Service ProvidersThere are a lot of moving parts to a home sale transaction. From financing and insurance to inspections and moving companies, there are a lot of important details that need your attention. That’s why it’s so important to have a proven team of professionals working with you on your transaction.

I’m not going to talk about the value of using a real estate agent here. There’s plenty of information out there on that topic (like here, here, here and even here). I will point out a few people it’s easy to overlook, however, because they’re not in the types of businesses you encounter every day. Unless, of course, you’re in the business of buying and selling houses everyday, like real estate agents are (see what I did there?).

So, here are a few people you’ll want to know when buying a home:

Mortgage Lenders
You won’t often find them sitting in your local bank branch. These are people with specialized knowledge in the types of home financing products that may be best suited for your specific situation. Whether you’re looking at a conventional, FHA, USDA or VA loan, these folks will have the knowledge and expertise to steer you in the right direction. They should also have knowledge of specialized programs that may be available to some home buyers, such as first time buyers, and others. [Read more…]

Filed Under: Blog, Homebuyers Tagged With: Home Buyers, Home Inspection, home loan, Insurance

5 Reasons Why the Appraisal May Have Come in Low

January 10, 2018 By Scott Sandberg Leave a Comment

Keep these tips in mind when pricing your home, so you won’t be blindsided before you get to closing.

Unless you’re selling your home for all cash, there will likely be an appraisal involved in the transaction. And when an appraisal comes in low, it can create complications. Often times, the contract will need to be renegotiated, to reflect the appraised value, or some other concession will need to be made. The deal can be cancelled all together. Or, you may be able to contest the appraiser’s findings, if you can show the appraised value is inaccurate.

Before you jump to any conclusions, however, it’s important to know some of the factors that may go into an appraiser’s final number. Some of these aren’t immediately apparent to most home sellers, but they are all valid considerations for an appraiser. [Read more…]

Filed Under: Blog, Home Sellers Tagged With: home loan, home sellers, mortgage

New Disclosures for Home Buyers Arrive Oct. 3

August 26, 2015 By Scott Sandberg Leave a Comment

New, streamlined forms designed to make mortgage lending process more transparent

New Mortgage Lending Disclosures Start Oct. 5Beginning in October of this year, the forms homebuyers and their lenders use in completing a real estate transaction will change. Thanks to new requirements from the Dodd-Frank Wall Street Reform and Consumer Protection Act, homebuyers will now have fewer documents to review, and the documents provided during the loan application phase, and at the closing table, will be much more closely aligned.

[Read more…]

Filed Under: Blog, Homebuyers Tagged With: home loan, Homebuyers, mortgage

The Homebuyer’s Home Stretch

January 19, 2011 By Scott Sandberg Leave a Comment

5 Tips to Help Keep Your Home Loan on Track After Application

Tips for getting a mortgageSo you’ve found the perfect house. The offer has been accepted! And you just made formal loan application for your mortgage. Nothing left to do now but coast to the closing, right?

Well…sort of. While you’ll naturally want to start planning for your move, and thinking about all the things you might need to buy for your new home, there’s one very important thing to think about.

[Read more…]

Filed Under: Blog, Homebuyers Tagged With: Florida, home loan, mortgage, Real Estate, remax

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Gated Communities

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