Home Financing - Mortgages, Refinancing. Home Loans, Laons

Home Purchase Loans, 30-Year Fixed Rates as low as 5.75%
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If you have low credit scores then you need to talk with a loan company about a 2nd chance mortgage.

Home Financing Articles:
How to Qualify for a VA Home Loan
Lowest Home Loan Rates Online
Best Bank Mortgage Rates

First Time Home Buyers
FHA Purchase Loan & 100% Mortgages

With mortgage rates at an all-time low, it is a great time to be a first time homebuyer. Our home loan lenders specialize in purchase mortgage offers for 1st time homebuyers with three competing mortgage loan specialists from across the country. All our mortgage loan specialists are dedicated to finding the right purchase loan with the best interest rates, terms and costs to meet your unique financing needs. Buying your first home can be confusing with all of the many mortgage options being thrown out at you; it is nice to get some good advice because you have enough stress in bidding for the home. Smart Home Mortgage Loans simplifies the home finance process so you can enjoy moving into your first home.

Home Mortgage Loan Articles

5 Reasons Why First Time Home Buyers like FHA
Current FHA Interest Rates

If you are sick of making your landlord mortgage payment each month and you believe it is time that your housing payments went towards building your own equity, then contact Smart Home Mortgage Loans immediately. We help first time home buyers finally begin to create their own wealth, and it can be one of the most exciting and rewarding life experiences and you should make sure that yours is the best one possible! At Smart Home Mortgage Loans, we want to help bridge the gap from renting to financing a home.

The home buying process doesn't have to be a frightening experience if you are informed throughout each step, and we are here to help each step along the way. We will make sure that you find a good mortgage rate and that you feel comfortable with your loan program. Being a first time home buyer is easier than ever! Visit one our preferred mortgage company, to get more information about government home refinancing and FHA home loans.

  • Zero Down Home Loans
  • Bad Credit Purchase Mortgages
  • FHA Home Loans
  • Stated Income Purchase Loans
  • No Income Home Loans
  • Non-Conforming ARM, Interest Only
  • Government - FHA, VA
  • Fixed Rate Home Financing
  • Home Construction Lending

At Smart Home Mortgage Loans, our first priority is to help our customers find the right loan program for their individual needs. We are dedicated to making sure that first time home buyers have as easy and enjoyable an experience as possible. Let us help you realize your housing dreams now, and be on the way to financial freedom!

Young Buyers Exert Influence on Housing Market
Consumers in their 20s are more likely to become home owners at a younger age than their baby boomer parents. They're not necessarily waiting for marriage, or even a long-term relationship, before becoming buying a home. "The next generation of home owners is beginning to exert its influence on the housing market," said Thomas M. Stevens, president of the NATIONAL ASSOCIATION OF REALTORS® and senior vice president of NRT Inc. "Many younger buyers have seen the wealth-building effects of home ownership in their parents and understand the value of housing as a good long-term investment."

The motivations, interests, and home buying approach of some younger buyers are chronicled in "Tomorrow's Buyers: Who They Are and What They Want," a report in the September issue of REALTOR® Magazine. The article puts a human face on statistical trends, integrating NAR research with the experiences and attitudes of real-life buyers who represent different demographic groups.

The percentage of first-time home buyers under age 25 has been increasing in response to historically low interest rates and continued confidence in the long-term housing market, from 11 percent in 2001 to 14 percent in 2005, according to the 2005 NAR Profile of Home Buyers and Sellers. "Owning a home is no more burdensome than renting, and in the long term, it's the better investment," said Kristen Carreira, a 26-year-old homeowner in Pittsburgh.

Carreira is also part of a trend in single female home buyers. While married couples are still the norm, they represent a smaller share of the home buying public than they did just 10 years ago, from 70 percent of home buyers in 1995 to 61 percent today, says NAR. During that same time, the proportion of single women buying homes has increased, from 14 percent in 1995 to 21 percent today.

Younger home buyers are also likely to use technology and the Internet in their home buying search. In 2005, according to NAR research, the median age of buyers who used the Internet to search for homes was 11 years younger than those who did not, at 38 and 49, respectively. "REALTORS® have adapted to meet the needs of this growing population," Stevens says. "A commitment to understanding the demands of this changing marketplace is just one more way REALTORS® add value to the real estate transaction." More than one-third of NAR's 1.3 million members have had special training and lots of experience in buyer representation and technology. That expertise is reflected in special designations and certifications, such as the Accredited Buyer Representative (ABR®) designation and e-PRO certification.

Typical Mortgage Terms

30-year Fixed Mortgage
15-year Fixed Mortgage
20-year Fixed Mortgage
10-year Fixed Mortgage
1-year ARM
3/1 ARM
3/1 Interest-only ARM
5/1 ARM
5/1 Interest-only ARM
7/1 ARM
10/1 ARM
30-year Jumbo Mortgage
15-year Jumbo Mortgage
5/1 Jumbo ARM
5/1 Jumbo Interest-only ARM
FHA Mortgage

Typical Refinance Terms

30-year Fixed Refinance Mortgage
20-year Fixed Refinance Mortgage
15-year Fixed Refinance Mortgage
10-year Fixed Refinance Mortgage
1-year ARM Refinance Mortgage
3/1 ARM Refinance
3/1 Interest-only Refinance ARM
5/1 ARM Refinance
5/1 Interest-only Refinance ARM
7/1 ARM Refinance
10/1 ARM Refinance
30-year Jumbo Refinance Mortgage
15-year Jumbo Refinance Mortgage
5/1 Jumbo ARM Refinance Mortgage
5/1 Interest-only Jumbo Refinance ARM
FHA Refinance Mortgage


Request a FREE Mortgage Quote online and learn how a debt consolidation loan could save you ove $4,000 per year!

Question: How do I apply for a VA guaranteed loan?

Answer: You can apply for a VA loan with any mortgage lender that participates in the VA home loan program. At some point, you will need to get a Certificate of Eligibility from VA to prove to the lender that you are eligible for a VA loan.

Question: Where a mortgage broker is used, is it the mortgage broker's responsibility to provide the Good Faith Estimate (GFE) to consumers, or is that the lender's responsibility?

Answer: If the mortgage broker is not an exclusive agent of the lender, the broker should provide a GFE within 3 days of receiving an application. The lender is not required to send an additional GFE; however, it is the lender's responsibility to ascertain that one was sent and includes an estimate of all costs that are likely to occur. Where the broker is the exclusive agent of the lender, either the broker or the lender shall provide the GFE.

Question: What Is Property Tax?

Answer: Property tax is a local tax that is imposed by local government taxing districts and is based on a property’s value. Property taxes are collected and spent at the local level and is a major source of tax revenue for local government taxing districts.

Question: Who Pays Property Taxes and Who Is Affected By Them?

Answer: Anyone that owns real property such as land, buildings, and permanent fixtures such as fences, landscaping, driveways, sewers, or drains

Question: What is Pre-qualification?

Answer: The process of determining how much money a prospective homebuyer will be eligible to borrow before a loan is applied for.

Question: What is a Pre-approval?

Answer: This allows you the ability to get approved for a specific loan amount prior to finding the home you want to purchase. The loan is underwritten and the lender commits to a specific loan amount. This can give you a great advantage with a homeowner or realtor if someone else is interested in the same home at the same time. Also, if you're thinking about refinancing and want to payoff creditors or take cash out, but not sure you would qualify – you can apply for a pre-approval and could save on the cost of getting an appraisal on your home until you know if you qualify.

Loan Programs & Options
Smart Home Mortgage Loans inc. offers many loan programs from the primary lenders in all 50 states. Our lending institutions provide home purchase, second home equity, mortgage refinancing, and refinance loans. Whether you are searching for conventional, non-conforming or subprime refinancing, our company can connect you with the finest financing providers online.

FHA Home Purchase Mortgage Loans FHA Home Financing FHA Mortgage Refinancing Bad Credit Home Purchase Loans
FHA Loans Consolidate Debt No Income Check Loans Jumbo Mortgage Loans
Interest Only Balloon Mortgage Vacation Homes OK! Cash Out Refinance
New Home Purchase Fixed Rate Mortgages 100% LTV Financing First Time Home Buyers
80-20 Mortgages Bad Credit Loans OK! Adjustable Loans Condo's & Co-Op Loans
Second Home Loans Negative Amortization Mortgage Bad Credit Home Financing Manufactured Home Loans

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