FHA Loans

for Home Buyers

Today the mission of the FHA includes helping borrowers get amounts they qualify for, and assisting lenders by reducing their risk in issuing loans. By serving as an umbrella under which lenders have the confidence to extend loans to those who may not meet conventional loan requirements, FHA's mortgage insurance allows individuals to qualify who may have been previously denied for a home loan by conventional underwriting guidelines.

Direct Mortgage


A direct mortgage lender is simply a bank or lender that works directly with a homeowner, with no need for a middleman or broker. Mortgage bankers and portfolio lenders usually fall under this category if they have retail operations. Examples include Washington Mutual, Wells Fargo and Bank of America, though smaller entities could share this distinction as well.

Mortgage Brokers

Mortgage brokers work independently with both banks/mortgage lenders and borrowers, and need to be licensed. Their job is to contact borrowers and bring in potential deals. Once they have a deal, they can send it to a mortgage bank or a wholesale lender. They need to process the loan once it is approved, and can negotiate pricing with the bank or mortgage lender to receive a rebate, known as a yield spread premium.

Mortgage Companies

Mortgage Lenders USA is founded with the aim of providing the public with facts and figures on making informed decision before buying or selling of a property. Mortgage Lenders USA is out to give you all necessary information you will need to be assure that you are not losing money by investing in properties that do not worth investing your capital. The available information would also help you to be a better negotiator when it to acquiring properties a cross USA.

Mortgage Companies are a great and valuable resource to everyone that look forward to sell or invest in properties. They can furnish you with all the information you need to launch into buying and selling of properties. As a buyer or investor, you would also need loan from them to finance your purchases. Getting these loans is not a big deal since your credit score is above 500. Another alternative to credit score is having some form of equity you can put down as collateral for the loan you want to secure.

There are many factors that are considered before you would be able to secure loan to invest into real estate. If you are the one that has a bad credit score, you can use your equity to purchase more real estate. This will prevent you from having to put down large sum of money before you can secure loan form mortgage companies.

Besides credit score, other things that are usually put into consideration to secure loan from mortgage companies for real estate investment include income or earnings from business, the length of time of employment and other factors. These are the options open to anyone looking forward to finance property investment through loans from mortgage companies.

In a case where you are looking for a very fast credit card fixed, the best option will be to open a passbook saving account for $300 or more. You will return to the bank after some days to get a passbook loan of $300 that will be secured by your savings in the bank. Within three weeks, you will make provision to return the loan by repayment as early as possible. You will also ensure that the bank where you open the saving account submits a detailed report of credit to the major credit card companies in the country. If this is done several times, your credit card score will improve considerably and you would not be limited by bad credit limit in securing loan for your real estate investment.


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Mortgage Articles

  • Seller financing

    A seller who considers financing the whole or part of the deal is usually called a "motivated seller". This is actually very common. You may have seen various infomercials promoting a "buy real estate with no money down" course.

  • Mortgage lenders

    You may decide to buy a house for the first time, and for that purpose looking for a right mortgage, that shall provide you with low interest rates.

  • Discounted notes

    Whenever someone gets a mortgage loan a "note" is created. A note is nothing more than a piece of paper that states how much you borrowed, at what percentage rate, how..

  • Lease option

    Lease with option is basically a modified rental agreement. It includes an "option" to buy at the end of the lease term.

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I’ve had many home loans over the years with a variety of different companies, but few that worked as well as this one. From the day we were quoted a great rate to the day we closed, the process was efficient, simple, and, best of all, exactly what we expected. No surprises, no hidden fees, just a great company to deal with.

  H. Darnell

I wanted to take a minute to say thank you very much. You did an outstanding job of getting our loan process done and my family and I appreciate it. You helped make a dream come true.

  L. Roche

Great confidential service. So much faster and economical than the big banks. Deal directly with your loan officer from start to finish. Never get handed off to a processor to forget you. They make loans for FHA, VA, USDA, Conventional, Private Money, etc. They help with home purchases, investment properties, and refinancing.

  M. Gallagher