Things that You Need to Know before Financing Your Home

Frequent Asking Questions:

What are Points? A. There are several types of mortgage related costs called "points" and their definitions and purposes vary. Generally, points are costs that must be paid to a lender in order to receive mortgage financing under specified terms. One point means 1% of the loan amount. 1% Disount point means, it will cost you 1% of the loan amount to buy the rate down by mostly .25% ( 1/4 of a rate ). 1 point origination fee means, it will cost you 1% of the loan amount by a lender or a broker to do the loan for you.

What does it mean to "lock" the interest rate? A. Due to interest rate movements, mortgage rates can change between the day you apply and the day you close. To protect against uncertainty, a lender can " lock-in " and gurantee you or 30, 60, 90, or 120 days. The longer the days are the higher the rate will be.

What is the lowest down payment I can use or a down payment on my home purchase? A. A 20% down payment used to be a standard, and most lenders today allow the buyer to put down as little as 5% down, or $5,000 on $100,000 loan. In fact, over 75% o the borrowers are now putting 0% down payment. If you put 20% down, then you will not pay PMI ( private mortgage insurance ) monthly to insure the loan for the lender. However, if you have a credit score below 620 and aquire a sub prime loan ( higher rate ), you will not pay PMI. PMI is only applied on prime loans ( prime rates ) with less than 20% down payment. The more down payment you put, the less will the monthly payment on the mortgage.

George Tesfa. Sr. Loan Officer
American Mortgage
http://www.Amerimort.com
http://www.CashMyEquity.com

In The News:
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.killerstartups.com/Web20/freehomerefi-com-mortgage-refinancing-resourcescid=0ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNHH7xLV2hTcBjVvrof8bMXRO1A0fQimg src=http://news.google.com/news?imgefp=zNlM1I2xSEIJimgurl=www.killerstartups.com/graficos/killer-data1.jpg width=80 height=29 alt= border=1brfont size=-2Killer Startups/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.killerstartups.com/Web20/freehomerefi-com-mortgage-refinancing-resourcescid=0ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNHH7xLV2hTcBjVvrof8bMXRO1A0fQFreeHomeRefi.com - bMortgage Refinancing/b Resources/abrfont size=-1font color=#6f6f6fKiller Startups,nbsp;FLnbsp;-/font nobrOct 10, 2008/nobr/fontbrfont size=-1It is a handful resource for people who want to have their bmortgage refinancing/b done in a simple way. “Free Home Refi is committed to providing consumers b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.opednews.com/maxwrite/diarypage.php%3Fdid%3D10038cid=1255977840ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNF1s35KVjNIDEipg4FJ2C9psPjzAgimg src=http://news.google.com/news?imgefp=wUq06XPGZ4MJimgurl=www.opednews.com/maxwrite/uploaded/dcr-on-maui-20080712-121.jpg width=80 height=75 alt= border=1brfont size=-2OpEdNews/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.washingtonpost.com/wp-dyn/content/article/2008/10/11/AR2008101100149.htmlcid=1255977840ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNHYD1Yui5bci17rM9vkibUn5fBqzwARM Holders Would Do Well to Shop Around Now/abrfont size=-1font color=#6f6f6fWashington Post,nbsp;United Statesnbsp;-/font nobr13 hours ago/nobr/fontbrfont size=-1When Torres brefinanced/b his Georgetown home in 2005, he got a five-year, adjustable-rate jumbo bmortgage/b. (It#39;s a jumbo because it#39;s above $417000. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.southcoasttoday.com/apps/pbcs.dll/article%3FAID%3D/20081009/OPINION/810090316/-1/NEWS06cid=1255977840ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNE9c5y5-etCHhKXywrs367Zz-LvjgYOUR VIEW: Going beyond the bailout to fix the economy/a font size=-1 color=#6f6f6fnobrSouthCoastToday.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.popmatters.com/pm/post/64263/from-happy-homeownership-to-the-end-of-our-economy/cid=1255977840ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNFcopig9tyEewEq9PyG1RHtT84yzQFrom happy homeownership to the end of our economy/a font size=-1 color=#6f6f6fnobrPopMatters/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.tallahassee.com/article/20081008/OPINION05/810080303/1006/OPINIONcid=1255977840ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNFcffm-L_dgZEuwdns-hS6sh_WwnABlame government policies, not the free market/a font size=-1 color=#6f6f6fnobrTallahassee Democrat/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.twincities.com/ci_10650793%3Fsource%3Dmost_emailedcid=1255977840ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNFU1-WcBuL43qyx1k-45xSPa0LBSAnobrPioneer Press/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://canadafreepress.com/index.php/article/5487cid=1255977840ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNGkWZFJbDCvqzmXO475FuK8YuIOQAnobrCanada Free Press/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255977840hl=ennobrall 201 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.sbwire.com/news/view/22363cid=0ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNFL9im8LBwahD8MKTDmyEVs5WyWOQThe Truth About bMortgage Refinancing/b Revealed By Oregon bMortgage/b b.../b/abrfont size=-1font color=#6f6f6fSBWire (press release),nbsp;WInbsp;-/font nobrOct 8, 2008/nobr/fontbrfont size=-1The site is designed to give Oregon residents all the facts about bmortgage refinancing/b so they can make an educated decision when obtaining a bmortgage/b. b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blogs.abcnews.com/politicalradar/2008/10/reps-blunt-and.htmlcid=1256893257ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNHnGmvYFpDKc4-7I50Q9JxOEE1uKQReps Blunt And Frank Criticize McCain bMortgage/b Plan/abrfont size=-1font color=#6f6f6fABC Newsnbsp;-/font nobr4 hours ago/nobr/fontbrfont size=-1John McCain#39;s proposal to brefinance/b distressed mortgages. quot;Not at face value, we#39;re not going to buy up the mortgages at face value, because the people who b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.cqpolitics.com/wmspage.cfm%3Fparm1%3D5%26docID%3Dnews-000002974193cid=1256893257ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNHF9sSpDIhAo2BxuhbrXh8lxjzNDgCQ Transcript: James Baker, Lawrence Summer, Rep. Barney Frank b.../b/a font size=-1 color=#6f6f6fnobrCQPolitics.com/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256893257hl=ennobrall 5 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.sfgate.com/cgi-bin/article.cgi%3Ff%3D/c/a/2008/10/09/BU9B13DNI7.DTLcid=1255319735ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNHL2hSGYNBFOv797N9A_26_ewA4DwMcCain campaign outlines bmortgage/b-rescue plan/abrfont size=-1font color=#6f6f6fSan Francisco Chronicle,nbsp; USAnbsp;-/font nobrOct 9, 2008/nobr/fontbrfont size=-1Barack Obama, McCain#39;s Democratic rival, has proposed helping troubled homeowners brefinance/b their mortgages, but his campaign attacked McCain#39;s proposal for b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.youtube.com/watch%3Fv%3DBAdIBCGcEo8cid=1255319735ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNHpp5Dwnv-1rBHmbx_lAall324ebgVideo: Obama: #39;Taxpayers Shouldn#39;t Pick Up Tab#39;/a font size=-1 color=#6f6f6fnobrAssociatedPress/nobr/fontobject width=448 height=356param name=movie value=http://www.youtube.com/v/BAdIBCGcEo8/paramparam name=wmode value=transparent/paramembed src=http://www.youtube.com/v/BAdIBCGcEo8type=application/x-shockwave-flashwmode=transparentwidth=448height=356/embed/objectbr/fontfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www2.journalnow.com/content/2008/oct/11/principal-is-key-to-housing-solution/cid=1255319735ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNFN9Y42mXQlujY7ldTrFRAh6mdyDQPrincipal is key to housing solution/a font size=-1 color=#6f6f6fnobrWinston-Salem Journal/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nytimes.com/2008/10/09/us/politics/09mortgage.html%3Fref%3Dbusinesscid=1255319735ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNGTAz2CkFNVjqWZKzYQY3EUhKr5owTaxpayers, Not Lenders, Would Bear Costs of McCain’s bMortgage/b Proposal/a font size=-1 color=#6f6f6fnobrNew York Times/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.newsday.com/news/nationworld/nation/ny-usmort095875394oct09,0,1162571.storycid=1255319735ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNFLJ7TNhr6LYTncrQSna26XemZ6uwnobrNewsday/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.stjoenews.net/news/2008/oct/12/troubled-home-loans-didnt-require-insurance/%3Fbusinesscid=1255319735ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNHAv6kiW4Ne3o7JHix5N_eOE2GwGQnobrSt. Joseph News-Press/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255319735hl=ennobrall 979 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nydailynews.com/real_estate/2008/10/10/2008-10-10_no_need_to_suffer_a_loan__call_your_bank-1.htmlcid=1256346910ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNHXBEau3JIfjheoAs6iuPG9Eoe0AQimg src=http://news.google.com/news?imgefp=8KkRNyI1q6gJimgurl=assets.nydailynews.com/img/2008/10/11/amd_corcoran.jpg width=80 height=56 alt= border=1brfont size=-2New York Daily News/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://seattlepi.nwsource.com/money/382894_real11.htmlcid=1256346910ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNFayf9zGhWVrtNmaDKWaXU5k6KEUgHomeowners have new option/abrfont size=-1font color=#6f6f6fSeattle Post Intelligencernbsp;-/font nobrOct 10, 2008/nobr/fontbrfont size=-1The Hope for Homeowners plan is supposed to help up to 400000 homeowners who can#39;t afford their bmortgage/b payments and who can#39;t brefinance/b to get a lower b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.unionleader.com/article.aspx%3Fheadline%3DNew%2Bprogram%2Boffers%2Bfinancial%2Bhelp%2Bfor%2Bhomeowners%26articleId%3D4e35e05d-db1c-47dc-bb21-238917e58a25cid=1256346910ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNH11E9jbcmM6oXTI0EGFmWNy5GlCQNew program offers financial help for homeowners/a font size=-1 color=#6f6f6fnobrThe Union Leader/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256346910hl=ennobrall 10 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://sify.com/news/fullstory.php%3Fid%3D14772806cid=1255308229ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNGHUZmGaNfWMHoQPKbyxf125RjkhQimg src=http://news.google.com/news?imgefp=TVYgctIQXQYJimgurl=im.sify.com/sifycmsimg/oct2008/News/14769331_mccain_obama_250.jpg width=80 height=52 alt= border=1brfont size=-2Sify/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/news/politics/politicalintelligence/2008/10/mccain_sells_mo.htmlcid=1255308229ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNHc2Acbb2XiEv7XbxCYON4BAut9aAMcCain sells bmortgage/b plan/abrfont size=-1font color=#6f6f6fBoston Globe,nbsp;United Statesnbsp;-/font nobrOct 11, 2008/nobr/fontbrfont size=-1Under his plan, the government would spend about $300 billion to buy distressed mortgages from financial institutions at their face values, then brefinance/b b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.newsday.com/news/opinion/ny-opklu095875045oct09,0,5607315.columncid=1255308229ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNEa8rc5YqyDQ2UD4VgjGazeCU9KIAWhat about the economy Obama, McCain? James Klurfeld/a font size=-1 color=#6f6f6fnobrNewsday/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255308229hl=ennobrall 984 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.seacoastonline.com/articles/20081012-BIZ-810120321cid=0ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNE6I0jK4O7BPEqWLlNVXQIAB0t4CwIn market for a bmortgage/b?/abrfont size=-1font color=#6f6f6fPortsmouth Herald News,nbsp;NHnbsp;-/font nobr10 hours ago/nobr/fontbrfont size=-1What could possibly be wrong with brefinancing/b your bmortgage/b if you can lower your interest rate? Since the Federal Reserve lowered short-term interest rates b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://seattlepi.nwsource.com/national/1131ap_obama_playing_it_safe.htmlcid=1256971608ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNEinf92f5Gkj2-8agtkfg-0J5eOywimg src=http://news.google.com/news?imgefp=4lA_zzQkoqkJimgurl=seattlepi.nwsource.com/dayart/aponline/46588.63Obama-2008.sff.jpg width=80 height=63 alt= border=1brfont size=-2Seattle Post Intelligencer/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/phoenix/stories/2008/10/06/daily66.htmlcid=1256971608ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNHe_lNsOv27xM9y8Cqcox1D8YT18gMajority backs McCain’s $300B bmortgage/b plan/abrfont size=-1font color=#6f6f6fBizjournals.com,nbsp;NCnbsp;-/font nobrOct 10, 2008/nobr/fontbrfont size=-1John McCain, R-Ariz., that would have the federal government buy distressed and upside down mortgages and brefinance/b them so homeowners can avoid b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.rttnews.com/ArticleView.aspx%3FId%3D736999cid=1256971608ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNFNyWwtd9S76By_ue3MWagzWkZ0hQObama Takes Aim At McCain#39;s bMortgage/b Buyout Plan/a font size=-1 color=#6f6f6fnobrRTT News/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://toledoblade.com/apps/pbcs.dll/article%3FAID%3D/20081009/NEWS09/810090395cid=1256971608ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNHvVMDMk0nYjePCZSoqmzo66x552gMcCain says he, not Obama, knows workers#39; woes/a font size=-1 color=#6f6f6fnobrToledo Blade/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256971608hl=ennobrall 1,386 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.courant.com/news/local/fv/hc-avonmeltdown.artoct12,0,7702616.storycid=0ei=5GbySJWuK6CQ6AOOwNzjBAusg=AFQjCNGMEeHjBZ1Y-ECLavX8vThmSbw-7AAvon Jittery As It Prepares To bRefinance/b Debt/abrfont size=-1font color=#6f6f6fHartford Courant,nbsp;United Statesnbsp;-/font nobr14 hours ago/nobr/fontbrfont size=-1b.../b been struggling to process just $1 billion a week, a victim of the same credit strangulation that has stalled the bmortgage/b and commercial paper markets. b.../b/font/div/font/td/tr/table
mortgage refinance - Google News

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