2023年2月23日

|更新:2023年2月23日下午。思考和联邦住宅管理局抵押贷款买房吗?或者你是一个兽医或在职军事和可以买到使用退伍军人事务部或VA贷款吗?最好是你签署抵押贷款应用程序延迟到3月20日在白宫每年2月22日宣布降低住房成本o n FHA抵押贷款保险。这里有一个例子:假设最低首付3.5% 500000美元的抵押贷款,借款人每月将节省125美元每月,因为抵押贷款保险费或MMI将以更低的利率计算。目前,计算每月的抵押贷款保险1美元兑0.85元的贷款。FHA是降低率为0.55,有效节省借款人每年1500美元。如果你所谓的联邦住房管理局白白流失的贷款从726201美元到1089300美元(洛杉矶县和橙色)你的MMI从1.05%到.75%不到5%。例如,一项100万美元的贷款金额每月将节省250美元,从875美元下降到625美元。你每年将节省3000美元。 The MMI sticks around for the life of the loan in the examples above. So, why lower the rates now? FHA’s mortgage insurance fund is overflowing, accumulating a reserve pool “more than five times the required threshold set by Congress,” the White House statement says. HUD was able to recalibrate premiums and pass those savings to consumers “without jeopardizing the long-term sustainability of FHA’s mortgage insurance fund.” “This is terrific news for borrowers who have been frustrated by the general run-up in mortgage rates,” said Brad Seibel, head at Sage Mortgage. “This reduction will translate directly into lower payments for the consumers and provide first-time homebuyers with a positive lift just when they need it the most.” Even though more than 80% of FHA borrowers are first-time buyers, you don’t necessarily have to be one yourself. FHA-insured mortgages accounted for 7.5% of home sales (nationwide) in the third quarter of 2022. The White House estimates the MMI adjustment will help 850,000 homebuyers and homeowners in 2023 by lowering their housing costs. In the third quarter of 2022, the most recent data available, more than 224,000 FHA mortgages were originated, according to ATTOM Data Solutions. The lowered insurance rate also is available to refinance deals, but in my view, these are not in play as mortgage rates are twice as high as they were a year ago. Now, consider Southern California’s recent FHA purchase market data. ATTOM reports that from October 2021 through September 2022, Los Angeles County saw 100,837 FHA deals, Orange County 36,731, Riverside County 46,167 and San Bernardino County 36,112. “(FHA) buyers in San Bernardino County were more than twice as likely to use an FHA loan as those in Los Angeles and almost seven times as likely as purchasers in Orange County,” said Rob Barber, CEO at ATTOM. “While not cheap by any means, the median home value in the third quarter of 2022, based on ATTOM data, was $495,000 in San Bernardino County and $570,000 in Riverside County. That was likely more affordable to first-time buyers compared to the median third-quarter prices of $830,000 in Los Angeles County and $975,000 in Orange County.” FHA was oftentimes the only deal in town for marginally qualified borrowers, including those with the lowest middle FICO score of say under 680 and higher debt-to-income ratios, for example. Related Articles