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Depending uponwhether its a 2/28 or 3/27 loan, the interest rate is fixed for the first twoor three years and then is variable for the remaining life of the loan. Loansin which the interest rate is fixed adidas running shoes for a number or years and then becomesvariable rate are also known as hybrid loans.If your FICO scores or whatever conditions caused you to beclassified as sub-prime can be remedied during the fixed interest rate period,then you can apply for a more conventional mortgage before the variable rateperiod starts.
The 80/20 MortgageThis is one adidas running shoes men of the most common programs and it works likethis: The lender writes you a mortgage for 80% of the selling price of the homeand then either the same or an affiliated lender writes you a second mortgagefor the remaining 20% of the homes value.This is a good solution for avoiding PMI (Personal MortgageInsurance) payments for borrowers who do not have a 20% down payment available.One of the down sides of this solution is that you usuallyhave to pay two sets of closing costs, but those costs will still be far belowwhat a typical 20% down payment runs.
VA LoanIf you are an honorably discharged veteran of the adidas skate shoes UnitedStates Armed Forces then a VA (Veterans Administration) loan offers 100%financing without incurring the penalty of having to pay PMI. Lenders who participate in VA loan programs have lessstringent qualification requirements because the U.S. Government is guaranteeingthe borrowers performance. This means that borrowers who might not otherwisequalify for a mortgage can get qualified with a VA loan.Other No Money Down AlternativesThere are other government loan programs which can get youinto a home with no down payment if you qualify for the terms and conditions.
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