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Tag: down payment

Pulte Mortgage Review

January 17, 2021
| No Comments
| Home, Home Buying Tips

A wholly-owned subsidiary of PulteGroup since 1972, the third-largest homebuilder in America, Pulte Mortgage gives customers a financing option that differs from those of banks and online lenders. As an imprint of the larger conglomerate, Pulte Mortgage leverages construction experience and a personal touch to take borrowers through the home purchase process, helping them understand […]

The post Pulte Mortgage Review appeared first on Good Financial Cents®.

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Posted in <a href="https://www.hotlistnames.com/category/home/" rel="category tag">Home</a>, <a href="https://www.hotlistnames.com/category/home-buying-tips/" rel="category tag">Home Buying Tips</a> Tagged <a href="https://www.hotlistnames.com/tag/all/" rel="tag">All</a>, <a href="https://www.hotlistnames.com/tag/auto/" rel="tag">Auto</a>, <a href="https://www.hotlistnames.com/tag/building/" rel="tag">building</a>, <a href="https://www.hotlistnames.com/tag/buying/" rel="tag">Buying</a>, <a href="https://www.hotlistnames.com/tag/colorado/" rel="tag">Colorado</a>, <a href="https://www.hotlistnames.com/tag/credit/" rel="tag">Credit</a>, <a href="https://www.hotlistnames.com/tag/down-payment/" rel="tag">down payment</a>, <a href="https://www.hotlistnames.com/tag/financial-wize/" rel="tag">Financial Wize</a>, <a href="https://www.hotlistnames.com/tag/financialwize/" rel="tag">FinancialWize</a>, <a href="https://www.hotlistnames.com/tag/home/" rel="tag">Home</a>, <a href="https://www.hotlistnames.com/tag/homeownership/" rel="tag">Homeownership</a>, <a href="https://www.hotlistnames.com/tag/house/" rel="tag">house</a>, <a href="https://www.hotlistnames.com/tag/interest-rates/" rel="tag">Interest Rates</a>, <a href="https://www.hotlistnames.com/tag/life/" rel="tag">Life</a>, <a href="https://www.hotlistnames.com/tag/loans/" rel="tag">Loans</a>, <a href="https://www.hotlistnames.com/tag/money/" rel="tag">money</a>, <a href="https://www.hotlistnames.com/tag/mortgage/" rel="tag">mortgage</a>, <a href="https://www.hotlistnames.com/tag/new-home-construction/" rel="tag">New Home Construction</a>, <a href="https://www.hotlistnames.com/tag/new-york/" rel="tag">new york</a>, <a href="https://www.hotlistnames.com/tag/personal/" rel="tag">Personal</a>, <a href="https://www.hotlistnames.com/tag/products/" rel="tag">Products</a>, <a href="https://www.hotlistnames.com/tag/purchase/" rel="tag">Purchase</a>, <a href="https://www.hotlistnames.com/tag/refinance/" rel="tag">Refinance</a>, <a href="https://www.hotlistnames.com/tag/round/" rel="tag">round</a>, <a href="https://www.hotlistnames.com/tag/selling/" rel="tag">selling</a>, <a href="https://www.hotlistnames.com/tag/texas/" rel="tag">texas</a>

What Are Mutual Funds? Understanding The Basics

January 17, 2021
| No Comments
| Financial Advisor, First Time Home Buyers, Investing, Personal Finance

If you’re one of those investors with very little time to research and invest in individual stocks, it might be a good idea to look into investing in mutual funds. Whether your goal is to save money for retirement, or for a down payment to buy a house, mutual funds are low-cost and effective way …

Continue reading “What Are Mutual Funds? Understanding The Basics”

The post What Are Mutual Funds? Understanding The Basics appeared first on GrowthRapidly.

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Posted in <a href="https://www.hotlistnames.com/category/financial-advisor/" rel="category tag">Financial Advisor</a>, <a href="https://www.hotlistnames.com/category/first-time-home-buyers/" rel="category tag">First Time Home Buyers</a>, <a href="https://www.hotlistnames.com/category/investing/" rel="category tag">Investing</a>, <a href="https://www.hotlistnames.com/category/personal-finance/" rel="category tag">Personal Finance</a> Tagged <a href="https://www.hotlistnames.com/tag/all/" rel="tag">All</a>, <a href="https://www.hotlistnames.com/tag/buy/" rel="tag">Buy</a>, <a href="https://www.hotlistnames.com/tag/buying/" rel="tag">Buying</a>, <a href="https://www.hotlistnames.com/tag/buying-a-house/" rel="tag">Buying a house</a>, <a href="https://www.hotlistnames.com/tag/debt/" rel="tag">Debt</a>, <a href="https://www.hotlistnames.com/tag/down-payment/" rel="tag">down payment</a>, <a href="https://www.hotlistnames.com/tag/fees/" rel="tag">Fees</a>, <a href="https://www.hotlistnames.com/tag/financial-advisor/" rel="tag">Financial Advisor</a>, <a href="https://www.hotlistnames.com/tag/financial-goals/" rel="tag">Financial Goals</a>, <a href="https://www.hotlistnames.com/tag/financial-wize/" rel="tag">Financial Wize</a>, <a href="https://www.hotlistnames.com/tag/financialwize/" rel="tag">FinancialWize</a>, <a href="https://www.hotlistnames.com/tag/georgia/" rel="tag">Georgia</a>, <a href="https://www.hotlistnames.com/tag/house/" rel="tag">house</a>, <a href="https://www.hotlistnames.com/tag/index-funds/" rel="tag">index funds</a>, <a href="https://www.hotlistnames.com/tag/invest/" rel="tag">Invest</a>, <a href="https://www.hotlistnames.com/tag/investing/" rel="tag">Investing</a>, <a href="https://www.hotlistnames.com/tag/investments/" rel="tag">investments</a>, <a href="https://www.hotlistnames.com/tag/job/" rel="tag">job</a>, <a href="https://www.hotlistnames.com/tag/make-money/" rel="tag">Make Money</a>, <a href="https://www.hotlistnames.com/tag/money/" rel="tag">money</a>, <a href="https://www.hotlistnames.com/tag/money-market/" rel="tag">money market</a>, <a href="https://www.hotlistnames.com/tag/mutual-funds/" rel="tag">mutual funds</a>, <a href="https://www.hotlistnames.com/tag/paying-off-debt/" rel="tag">Paying Off Debt</a>, <a href="https://www.hotlistnames.com/tag/personal-finance/" rel="tag">Personal Finance</a>, <a href="https://www.hotlistnames.com/tag/planning/" rel="tag">Planning</a>, <a href="https://www.hotlistnames.com/tag/pool/" rel="tag">pool</a>, <a href="https://www.hotlistnames.com/tag/popular/" rel="tag">Popular</a>, <a href="https://www.hotlistnames.com/tag/purchase/" rel="tag">Purchase</a>, <a href="https://www.hotlistnames.com/tag/real-estate/" rel="tag">Real Estate</a>, <a href="https://www.hotlistnames.com/tag/retirement/" rel="tag">retirement</a>, <a href="https://www.hotlistnames.com/tag/save-money/" rel="tag">Save Money</a>, <a href="https://www.hotlistnames.com/tag/saving/" rel="tag">Saving</a>, <a href="https://www.hotlistnames.com/tag/saving-money/" rel="tag">saving money</a>, <a href="https://www.hotlistnames.com/tag/savings/" rel="tag">savings</a>, <a href="https://www.hotlistnames.com/tag/selling/" rel="tag">selling</a>, <a href="https://www.hotlistnames.com/tag/starting-out/" rel="tag">Starting Out</a>, <a href="https://www.hotlistnames.com/tag/uncategorized/" rel="tag">Uncategorized</a>, <a href="https://www.hotlistnames.com/tag/vanguard-funds/" rel="tag">vanguard funds</a>, <a href="https://www.hotlistnames.com/tag/vanguard-index-funds/" rel="tag">vanguard index funds</a>

Set Financial Goals for Yourself

January 17, 2021
| No Comments
| Education

Everyone wants to have more money, less debt, and greater financial freedom, but very few will attain it. Simply telling yourself that you’ll earn more cash and clear more debts isn’t enough to realize those goals, but writing those tasks down, setting realistic targets, and steadily working towards them can significantly increase your chances.  Nothing […]

Set Financial Goals for Yourself is a post from Pocket Your Dollars.

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Posted in <a href="https://www.hotlistnames.com/category/education/" rel="category tag">Education</a> Tagged <a href="https://www.hotlistnames.com/tag/all/" rel="tag">All</a>, <a href="https://www.hotlistnames.com/tag/bank-accounts/" rel="tag">Bank Accounts</a>, <a href="https://www.hotlistnames.com/tag/budget/" rel="tag">Budget</a>, <a href="https://www.hotlistnames.com/tag/budgeting/" rel="tag">budgeting</a>, <a href="https://www.hotlistnames.com/tag/build/" rel="tag">build</a>, <a href="https://www.hotlistnames.com/tag/buy/" rel="tag">Buy</a>, <a href="https://www.hotlistnames.com/tag/career/" rel="tag">Career</a>, <a href="https://www.hotlistnames.com/tag/college/" rel="tag">College</a>, <a href="https://www.hotlistnames.com/tag/coupons/" rel="tag">Coupons</a>, <a href="https://www.hotlistnames.com/tag/credit/" rel="tag">Credit</a>, <a href="https://www.hotlistnames.com/tag/credit-card/" rel="tag">credit card</a>, <a href="https://www.hotlistnames.com/tag/credit-card-debt/" rel="tag">Credit Card Debt</a>, <a href="https://www.hotlistnames.com/tag/credit-cards/" rel="tag">Credit Cards</a>, <a href="https://www.hotlistnames.com/tag/credit-score/" rel="tag">credit score</a>, <a href="https://www.hotlistnames.com/tag/debt/" rel="tag">Debt</a>, <a href="https://www.hotlistnames.com/tag/debt-management/" rel="tag">Debt management</a>, <a href="https://www.hotlistnames.com/tag/debt-payoff/" rel="tag">debt payoff</a>, <a href="https://www.hotlistnames.com/tag/down-payment/" rel="tag">down payment</a>, <a href="https://www.hotlistnames.com/tag/earning-potential/" rel="tag">Earning Potential</a>, <a href="https://www.hotlistnames.com/tag/emergency-fund/" rel="tag">emergency fund</a>, <a href="https://www.hotlistnames.com/tag/extra-money/" rel="tag">Extra Money</a>, <a href="https://www.hotlistnames.com/tag/family/" rel="tag">Family</a>, <a href="https://www.hotlistnames.com/tag/family-finances/" rel="tag">Family Finances</a>, <a href="https://www.hotlistnames.com/tag/financial-freedom/" rel="tag">financial freedom</a>, <a href="https://www.hotlistnames.com/tag/financial-goals/" rel="tag">Financial Goals</a>, <a href="https://www.hotlistnames.com/tag/financial-wize/" rel="tag">Financial Wize</a>, <a href="https://www.hotlistnames.com/tag/financialwize/" rel="tag">FinancialWize</a>, <a href="https://www.hotlistnames.com/tag/food/" rel="tag">Food</a>, <a href="https://www.hotlistnames.com/tag/frugal/" rel="tag">frugal</a>, <a href="https://www.hotlistnames.com/tag/frugality/" rel="tag">Frugality</a>, <a href="https://www.hotlistnames.com/tag/get-out-of-debt/" rel="tag">Get Out of Debt</a>, <a href="https://www.hotlistnames.com/tag/grow/" rel="tag">Grow</a>, <a href="https://www.hotlistnames.com/tag/home/" rel="tag">Home</a>, <a href="https://www.hotlistnames.com/tag/home-office/" rel="tag">home office</a>, <a href="https://www.hotlistnames.com/tag/house/" rel="tag">house</a>, <a href="https://www.hotlistnames.com/tag/how-to/" rel="tag">How To</a>, <a href="https://www.hotlistnames.com/tag/invest/" rel="tag">Invest</a>, <a href="https://www.hotlistnames.com/tag/job/" rel="tag">job</a>, <a href="https://www.hotlistnames.com/tag/life/" rel="tag">Life</a>, <a href="https://www.hotlistnames.com/tag/lifestyle/" rel="tag">Lifestyle</a>, <a href="https://www.hotlistnames.com/tag/loans/" rel="tag">Loans</a>, <a href="https://www.hotlistnames.com/tag/luxury/" rel="tag">Luxury</a>, <a href="https://www.hotlistnames.com/tag/money/" rel="tag">money</a>, <a href="https://www.hotlistnames.com/tag/mortgage/" rel="tag">mortgage</a>, <a href="https://www.hotlistnames.com/tag/music/" rel="tag">Music</a>, <a href="https://www.hotlistnames.com/tag/personal/" rel="tag">Personal</a>, <a href="https://www.hotlistnames.com/tag/planning/" rel="tag">Planning</a>, <a href="https://www.hotlistnames.com/tag/retirement/" rel="tag">retirement</a>, <a href="https://www.hotlistnames.com/tag/saving/" rel="tag">Saving</a>, <a href="https://www.hotlistnames.com/tag/savings/" rel="tag">savings</a>, <a href="https://www.hotlistnames.com/tag/security/" rel="tag">Security</a>, <a href="https://www.hotlistnames.com/tag/social-security/" rel="tag">social security</a>, <a href="https://www.hotlistnames.com/tag/spending/" rel="tag">Spending</a>, <a href="https://www.hotlistnames.com/tag/student/" rel="tag">student</a>, <a href="https://www.hotlistnames.com/tag/student-loans/" rel="tag">Student Loans</a>

How to Build Credit with Fingerhut

January 17, 2021
| No Comments
| Credit Repair

If you’ve been wanting to make a big purchase, but your credit is less than spectacular, you might have looked into Fingerhut as an option.  Fingerhut is an online catalog and retailer that showcases a multitude of products. On this website, customers can shop for anything from electronics to home décor to auto parts. Fingerhut […]

How to Build Credit with Fingerhut is a post from Pocket Your Dollars.

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Posted in <a href="https://www.hotlistnames.com/category/credit-repair/" rel="category tag">Credit Repair</a> Tagged <a href="https://www.hotlistnames.com/tag/all/" rel="tag">All</a>, <a href="https://www.hotlistnames.com/tag/auto/" rel="tag">Auto</a>, <a href="https://www.hotlistnames.com/tag/bad-credit/" rel="tag">bad credit</a>, <a href="https://www.hotlistnames.com/tag/borrowing/" rel="tag">borrowing</a>, <a href="https://www.hotlistnames.com/tag/build/" rel="tag">build</a>, <a href="https://www.hotlistnames.com/tag/build-credit/" rel="tag">build credit</a>, <a href="https://www.hotlistnames.com/tag/cash-back/" rel="tag">Cash Back</a>, <a href="https://www.hotlistnames.com/tag/credit/" rel="tag">Credit</a>, <a href="https://www.hotlistnames.com/tag/credit-card/" rel="tag">credit card</a>, <a href="https://www.hotlistnames.com/tag/credit-cards/" rel="tag">Credit Cards</a>, <a href="https://www.hotlistnames.com/tag/credit-report/" rel="tag">Credit Report</a>, <a href="https://www.hotlistnames.com/tag/credit-score/" rel="tag">credit score</a>, <a href="https://www.hotlistnames.com/tag/credit-scores/" rel="tag">Credit Scores</a>, <a href="https://www.hotlistnames.com/tag/debit-card/" rel="tag">Debit Card</a>, <a href="https://www.hotlistnames.com/tag/down-payment/" rel="tag">down payment</a>, <a href="https://www.hotlistnames.com/tag/employment/" rel="tag">employment</a>, <a href="https://www.hotlistnames.com/tag/financial-wize/" rel="tag">Financial Wize</a>, <a href="https://www.hotlistnames.com/tag/financialwize/" rel="tag">FinancialWize</a>, <a href="https://www.hotlistnames.com/tag/home/" rel="tag">Home</a>, <a href="https://www.hotlistnames.com/tag/home-dacor/" rel="tag">home décor</a>, <a href="https://www.hotlistnames.com/tag/how-to/" rel="tag">How To</a>, <a href="https://www.hotlistnames.com/tag/insurance/" rel="tag">Insurance</a>, <a href="https://www.hotlistnames.com/tag/interest-rates/" rel="tag">Interest Rates</a>, <a href="https://www.hotlistnames.com/tag/loans/" rel="tag">Loans</a>, <a href="https://www.hotlistnames.com/tag/money/" rel="tag">money</a>, <a href="https://www.hotlistnames.com/tag/products/" rel="tag">Products</a>, <a href="https://www.hotlistnames.com/tag/purchase/" rel="tag">Purchase</a>, <a href="https://www.hotlistnames.com/tag/raise-credit-score/" rel="tag">Raise Credit Score</a>, <a href="https://www.hotlistnames.com/tag/rewards/" rel="tag">Rewards</a>, <a href="https://www.hotlistnames.com/tag/security/" rel="tag">Security</a>, <a href="https://www.hotlistnames.com/tag/travel/" rel="tag">Travel</a>

Money Market Account vs. Savings Account: Which Is Best for You?

January 16, 2021
| No Comments
| Apartment Hunting

It all depends on your financial goals and how you plan to manage your money.

The post Money Market Account vs. Savings Account: Which Is Best for You? appeared first on Discover Bank – Banking Topics Blog.

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Posted in <a href="https://www.hotlistnames.com/category/apartment-hunting/" rel="category tag">Apartment Hunting</a> Tagged <a href="https://www.hotlistnames.com/tag/all/" rel="tag">All</a>, <a href="https://www.hotlistnames.com/tag/atm/" rel="tag">ATM</a>, <a href="https://www.hotlistnames.com/tag/banking/" rel="tag">Banking</a>, <a href="https://www.hotlistnames.com/tag/banking-101/" rel="tag">Banking 101</a>, <a href="https://www.hotlistnames.com/tag/blog/" rel="tag">Blog</a>, <a href="https://www.hotlistnames.com/tag/building/" rel="tag">building</a>, <a href="https://www.hotlistnames.com/tag/checking-account/" rel="tag">Checking Account</a>, <a href="https://www.hotlistnames.com/tag/college/" rel="tag">College</a>, <a href="https://www.hotlistnames.com/tag/convenience/" rel="tag">Convenience</a>, <a href="https://www.hotlistnames.com/tag/debit-card/" rel="tag">Debit Card</a>, <a href="https://www.hotlistnames.com/tag/down-payment/" rel="tag">down payment</a>, <a href="https://www.hotlistnames.com/tag/emergency-fund/" rel="tag">emergency fund</a>, <a href="https://www.hotlistnames.com/tag/fees/" rel="tag">Fees</a>, <a href="https://www.hotlistnames.com/tag/finance/" rel="tag">Finance</a>, <a href="https://www.hotlistnames.com/tag/financial-education/" rel="tag">Financial Education</a>, <a href="https://www.hotlistnames.com/tag/financial-goals/" rel="tag">Financial Goals</a>, <a href="https://www.hotlistnames.com/tag/financial-plan/" rel="tag">Financial Plan</a>, <a href="https://www.hotlistnames.com/tag/financial-wize/" rel="tag">Financial Wize</a>, <a href="https://www.hotlistnames.com/tag/financialwize/" rel="tag">FinancialWize</a>, <a href="https://www.hotlistnames.com/tag/frugality/" rel="tag">Frugality</a>, <a href="https://www.hotlistnames.com/tag/funds-transfer/" rel="tag">Funds Transfer</a>, <a href="https://www.hotlistnames.com/tag/grow/" rel="tag">Grow</a>, <a href="https://www.hotlistnames.com/tag/high-yield-accounts/" rel="tag">High-yield Accounts</a>, <a href="https://www.hotlistnames.com/tag/holidays/" rel="tag">Holidays</a>, <a href="https://www.hotlistnames.com/tag/insurance/" rel="tag">Insurance</a>, <a href="https://www.hotlistnames.com/tag/interest-rates/" rel="tag">Interest Rates</a>, <a href="https://www.hotlistnames.com/tag/long-term-saving/" rel="tag">Long-term Saving</a>, <a href="https://www.hotlistnames.com/tag/managing-your-account/" rel="tag">Managing Your Account</a>, <a href="https://www.hotlistnames.com/tag/managing-your-money/" rel="tag">Managing Your Money</a>, <a href="https://www.hotlistnames.com/tag/money/" rel="tag">money</a>, <a href="https://www.hotlistnames.com/tag/money-market/" rel="tag">money market</a>, <a href="https://www.hotlistnames.com/tag/money-market-account/" rel="tag">Money Market Account</a>, <a href="https://www.hotlistnames.com/tag/money-market-accounts/" rel="tag">money market accounts</a>, <a href="https://www.hotlistnames.com/tag/money-saving-tips/" rel="tag">Money-saving Tips</a>, <a href="https://www.hotlistnames.com/tag/online-banking/" rel="tag">Online Banking</a>, <a href="https://www.hotlistnames.com/tag/online-savings-account/" rel="tag">Online Savings Account</a>, <a href="https://www.hotlistnames.com/tag/opening-an-account/" rel="tag">Opening an Account</a>, <a href="https://www.hotlistnames.com/tag/personal/" rel="tag">Personal</a>, <a href="https://www.hotlistnames.com/tag/personal-finance/" rel="tag">Personal Finance</a>, <a href="https://www.hotlistnames.com/tag/retirement/" rel="tag">retirement</a>, <a href="https://www.hotlistnames.com/tag/save-money/" rel="tag">Save Money</a>, <a href="https://www.hotlistnames.com/tag/saving/" rel="tag">Saving</a>, <a href="https://www.hotlistnames.com/tag/saving-for-college/" rel="tag">Saving for College</a>, <a href="https://www.hotlistnames.com/tag/saving-for-retirement/" rel="tag">Saving for Retirement</a>, <a href="https://www.hotlistnames.com/tag/savings/" rel="tag">savings</a>, <a href="https://www.hotlistnames.com/tag/savings-accounts/" rel="tag">savings accounts</a>, <a href="https://www.hotlistnames.com/tag/savings-strategies/" rel="tag">Savings Strategies</a>, <a href="https://www.hotlistnames.com/tag/security/" rel="tag">Security</a>, <a href="https://www.hotlistnames.com/tag/vs/" rel="tag">Vs.</a>

Money Market Vs Savings: What’s The Difference?

January 16, 2021
| No Comments
| Apartment Hunting, Banking, Personal Finance

Money market accounts and savings accounts have a lot of similarities than you may think. Among other things, both allow you to achieve your saving goals risk-free or very low risk. However, the choice between money market vs savings accounts often boils down to interest rates and fees. So, before you decide on which account …

Continue reading “Money Market Vs Savings: What’s The Difference?”

The post Money Market Vs Savings: What’s The Difference? appeared first on GrowthRapidly.

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What's the Best Type of Mortgage for You?

January 12, 2021
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| Home Repair

When you're ready to buy a home, choosing the best lender and type of mortgage can seem daunting because there are many choices. Since no two real estate transactions or home buyers are alike, it's essential to get familiar with different mortgage products and programs. 

Let's take a look at the two main types of mortgages and several popular home loan programs. Choosing the right one for your situation is the key to buying a home you can afford. 

What is a mortgage?

First, here's a quick mortgage explainer. A mortgage is a loan used to buy real estate, such as a new or existing primary residence or vacation home. It states that your property is collateral for the debt, and if you don't make timely payments, the lender can take back the property to recover their losses.

In general, a mortgage doesn't pay for 100% of a home's purchase price.

In general, a mortgage doesn't pay for 100% of a home's purchase price. You typically must make a down payment, which could range from 3% to 10% or more, depending on the type of loan you qualify for. 

For example, if you agree to pay $300,000 for a home and have $15,000 to put down, you need a mortgage for the difference, or $285,000 ($300,000 – $15,000). In addition to a down payment, lenders charge a variety of processing fees that you either pay upfront or roll into your loan, which increases your debt.

At your real estate closing, the lender wires funds to the closing agent or attorney. After you sign a stack of mortgage and closing documents, your down payment and mortgage money go to the seller and various parties, such as a real estate broker, title company, inspector, surveyor, and insurance company. You leave the closing as a proud new homeowner and begin making mortgage payments the next month.

What is a fixed-rate mortgage?

The structure of your loan and payments depends on whether your interest rate is fixed or adjustable. So, understanding how these two main types of mortgage products work is essential.

A fixed-rate mortgage has an interest rate that never changes, no matter what happens in the economy.

A fixed-rate mortgage has an interest rate that never changes, no matter what happens in the economy. The most common fixed-rate mortgage terms are 15- and 30-years. But you can also find 10-, 20-, 40-, and even 50-year fixed-rate mortgages.

Getting a shorter mortgage means you pay it off faster and at a lower interest rate than with a longer-term option. For example, as of December 2020, the going rate for a 15-year fixed mortgage is 2.4%, and a 30-year is 2.8% APR. 

The downside is that shorter loans come with higher monthly payments. Many people opt for longer mortgages to pay as little as possible each month and make their home more affordable.

Here are some situations when getting a fixed-rate mortgage makes sense:

  • You see low or rising interest rates. Locking in a low rate for the life of your mortgage protects you against inflation. 
  • You want financial stability. Having the same mortgage payment for decades allows you to easily budget and avoid financial surprises. 
  • You don't plan to move for a while. Keeping a fixed-rate mortgage over the long term gives you the potential to save the most in interest, especially if interest rates go up.

What is an adjustable-rate mortgage (ARM)?

The second primary type of home loan is an adjustable-rate mortgage or ARM. Your interest rate and monthly payment can go up or down according to predetermined terms based on a financial index, such as the T-bill rate or LIBOR. 

Most ARMs are a hybrid of a fixed and adjustable product. They begin with a fixed-rate period and convert to an adjustable rate later on. The first number in the name of an ARM product is how many years are fixed for the introductory rate, and the second number is how often the rate could change after that.

For instance, a 5/1 ARM gives you five years with a fixed rate and then can adjust, or reset, every year starting in the sixth year. A 3/1 ARM has a fixed rate for three years with a potential rate adjustment every year, beginning in the fourth year.

When shopping for an ARM, be sure you understand how often the rate could change and how high your payments could go.

ARMs are typically 30-year products, but they can be shorter. With a 5/6 ARM, you pay the same rate for the first five years. Then the rate could change every six months for the remaining 25 years.

ARMs come with built-in caps for how much the interest rate can climb from one adjustment period to the next and the potential increase over the loan's life. When shopping for an ARM, be sure you understand how often the rate could change and how high your payments could go. In other words, you should be comfortable with the worst-case ARM scenario before getting one.

In general, the introductory interest rate for a 30-year ARM is lower than a 30-year fixed mortgage. But that hasn't been the case recently because rates are at historic lows. The idea is that rates are so low they likely have nowhere to go but up, making an ARM less attractive. 

I mentioned that the going rate for a 30-year fixed mortgage is 2.8%. Compare that to a 30-year 5/6 ARM, which is also 2.8% APR. When ARM rates are the same or higher than fixed rates, they don't give borrowers any upsides for taking a risk that their payment could increase. 

ARM lenders aren't making them attractive because they know once your introductory rate ends, you could refinance to a lower-rate fixed mortgage and they'd lose your business after just a few years. They could end up losing money if you haven't paid enough in fees and interest to offset their cost of issuing the loan.

Unless you believe that rates can drop further (or until ARM rates are low enough to offer borrowers significant savings), they aren't a wise choice in the near term.

So, unless you believe that rates can drop further or until ARM rates are low enough to offer borrowers significant savings, they aren't a wise choice in the near term. However, always discuss your mortgage options with potential lenders, so you evaluate them in light of current economic conditions.

RELATED: How to Prepare Your Credit for a Mortgage Approval

5 types of home loan programs 

Now that you understand the fundamental differences between fixed- and adjustable-rate mortgages, here are five loan programs you may qualify for.

1. Conventional loans

Conventional loans are the most common type of mortgage. They're also known as a "conforming loan" when they conform to standards set by Fannie Mae and Freddie Mac. These federally-backed companies buy and guarantee mortgages issued through lenders in the secondary mortgage market. Lenders sell mortgages to Fannie and Freddie so they can continuously supply new borrowers with mortgage funds. 

Conventional loans are popular because most lenders—including mortgage companies, banks, and credit unions—offer them. Borrowers can pay as little as 3% down; however, paying 20% eliminates the requirement to pay an additional monthly private mortgage insurance (PMI) premium.

2. FHA loans

FHA or Federal Housing Administration loans come with lenient underwriting standards, making homeownership a reality for more Americans. Borrowers need a 3.5% down payment and can have lower credit scores and income than with a conventional loan. 

3. VA loans

VA or Veterans Administration loans give those with eligible military service a zero-down loan with no monthly private mortgage insurance required. 

4. USDA loans

The USDA or U.S. Department of Agriculture gives loans to buyers who plan to live in rural and suburban areas. Borrowers who meet certain income limits can get zero-down payments and low-rate mortgage insurance premiums.

5. Jumbo loans

Jumbo loans are higher mortgage amounts than what's allowed by Fannie Mae and Freddie Mac, so they're also known as non-conforming loans. In general, they exceed approximately $500,000 in most areas.

Always compare multiple loan products and get quotes from several lenders before committing to your next home loan.

This isn't a complete list of all the loan programs you may qualify for, so be sure to ask potential lenders for recommendations. Remember that just because you're eligible for a program, such as a VA loan, that doesn't necessarily mean it's the best option. Always compare multiple loan products and get quotes from several lenders before committing to your next home loan.

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Buying A Second Home? 8 Things To Consider

January 12, 2021
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| Home Design, Personal Finance, Real Estate

Buying a second home is a major expense. You might have several reasons for wanting to buy a second house. Perhaps, you’re buying a second home for vacations or weekend getaways. Or, it might be that you want to use it as a rental property for rental income. However, there are things to consider before …

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Why It’s Harder to Get Credit When You’re Self-Employed

January 12, 2021
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| Credit Repair

Around 6.1% of employed Americans worked for themselves in 2019, yet the ranks of the self-employed might increase among certain professions more than others. By 2026, the U.S. Bureau of Labor Statistics projects that self-employment will rise by nearly 8%.  Some self-employed professionals experience high pay in addition to increased flexibility. Dentists, for example, are […]

The post Why It’s Harder to Get Credit When You’re Self-Employed appeared first on Good Financial Cents®.

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5 Steps for Getting a Car Loan

January 12, 2021
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| Auto Loans, New Office Furniture

This Article was Updated July 5, 2018 When you are looking to buy a vehicle, the first thing you should do is apply for a preapproved loan. The loan process can seem daunting, but it’s easier than you think and getting preapproval prior to going to the car dealer may help alleviate a lot of… Read More

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