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FHA Mortgage Insurance And What You Need To Know About It

May 21, 2013

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Apparently, most Floridians prefer FHA-backed loans over conforming loans and jumbo mortgages for reasons such as: FHA allows a 3.5% downpayment FHA allows refinances without appraisal FHA mortgage rates are usually really low Mortgage insurance is the only area where FHA mortgages are relatively disadvantageous. FHA Mortgage Insurance Premiums tend to be a real pain—they [...]

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Saint Pete, Florida HARP 2.0 Refinance Program : Help For Struggling Homeowners

November 2, 2012

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The HARP Refinance Program is part of the government’s strategy to help homeowners avoid foreclosure, stabilize the country’s housing market, and improve the nation’s economy. The program is designed to help homeowners who are making timely mortgage payments but have been unable to refinance due to crashing home prices. Changes have been made to the [...]

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Pensacola, Florida HARP 2.0 Refinance for loans with LTV as high as 200%

November 2, 2012

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The HARP refinance program was launched in 2009. It was part of the administration’s economic stimulus plan meant to help up to 7 million underwater homeowners get a refinance. But of course, they must have kept current in their mortgage. The original version of HARP was still restrictive for many borrowers. So in response, the government re-launched [...]

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Melbourne, Florida HARP 2.0 : Unlimited Loan to Value

November 2, 2012

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The HARP refinance program was launched in 2009 as the administration’s effort to stimulate the economy by helping underwater homeowners get a timely refinance. The initial version of HARP helped a lot of homeowners. However, due to relatively restrictive guidelines a huge number of borrowers were still left out. So the government pushed the re-launch [...]

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What Does Title Insurance Protect Me From?

August 7, 2011

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{EAV_BLOG_VER:776a190d28ed8367} By including title insurance when purchasing property, your title insurer takes on accountability for legal expenses to defend your property title, should it ever be challenged. Many different occurrences can come into play to warrant the need for title insurance. The title company responsible will then take on the legal expenses to defend the [...]

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Where Does My Earnest Money Go?

May 8, 2011

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Hey, I gave my real estate agent a $5000 Earnest Money Deposit check… Where does that money go? A basic and very obvious question that most First-Time home Buyers ask once their purchase contract gets accepted. According to Wikipedia: Earnest Money – an earnest payment (sometimes called earnest money or simply earnest, or alternatively a [...]

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Chris Brown
Chris Brown is the premier expert on HARP loans and Government FHA and VA loans. Please visit The Mortgage Chili Blog