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| V.I.P. Independent Mortgage is popular lending marketplace for consumers seeking VA loans and home mortgage loans for purchase, refinance and new home buying. We are national lending company approved to originate the following types of loans in all 50 states: |
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VA Home Mortgages |
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Traditional 30 Year Mortgages |
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FHA Home Loans |
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Reverse Home Loans |
| With the subprime meltdown and foreclosure crisis, a conventional mortgage refinance or any other conforming mortgage loan is very hard to get. If you have any credit blemishes, you may not qualify for the loan.
But, if you go FHA or VA, you may be surprised at how much you save. No matter what mortgage refinance loan you decide on, follow these tips to determine if which home loan is right for you.
V.I.P. Independent Mortgage is a home financing company that was established for homeowners to lower their monthly loan payment with a better rate with cash back possibilities.
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| FHLQ offers residential loans in all 50 states. Home mortgage rates fluctuate daily, so locking the interest rate at the right time is critical. Interest rates declined recently as the government took over mortgage giants, Fannie Mae and Freddie Mac. |
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FHA Home Mortgage Rates |
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Conforming Home Loan Rates |
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VA Home Loan Rates |
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Home Equity Credit Rates |
| Buying a home with the lowest possible rate could potentially save you thousands of dollars a year. Home Refinancing involves replacing your present mortgage with a new one. If you’re looking to do a rate and term refinance to lock into low fixed mortgage rates, the closing costs are minimal. With all the housing trouble, it may be difficult to do a rate and term refinance with your lender.
But, if you’re in danger of being late on your mortgage, you may be able to negotiate more favorable terms on your home mortgage loan.
Government lenders reported that VA Mortgage Rates dropped below 5% in 2009 for the first time ever. Disabled veterans may qualify for a VA home loan with no VA funding Fee. Ask your VA lender about VA home loan guidelines for purchase, refinance and streamline.
Home loan rates may vary based on LTV, credit score and debt to income ratio, but see the Good Faith Estimate, Truth in Lending statement, and the other home loan disclosures.
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Our Home loan lenders provide discounted interest rates with popular home refinance products like conventional 30 year refinancing, fixed FHA refinance loans and one hundred percent VA home mortgages for qualified veterans in all fifty states.
With the passage of the FHA Modernization Act and FHA Hope for Homeowners Act were passed under the Housing and Economic Recovery Act of 2008, but they did not help out as many homeowners as they would have liked because mortgage insurance companies would not go as deep as HUD intended with those FHA loan programs.
President Obama is calling for many more home loan options with an $8,000 tax credit for first time home-buyers. Obama loans were intended for home refinancing or loan modification options to prevent foreclosure.
Plus, there’s still some time left to apply for a FHA home loan if you are looking to buy a home in distress or prevent a foreclosure by refinancing a with a FHA Secure loan. But, you’d better act quickly. But, if you miss the cut-off, the FHA Hope for Homeowners Act will pretty much take up where FHA Secure left off.
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V.I.P. Independent Mortgage, Inc - 92 Argonaut, Ste 220, Aliso Viejo, CA 92656 - Phone 877-259-7345 | Fax 949-340-8398 |
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