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    • Welcome to Affinity Home Lending
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Home Blog Down Payment

Tag Archive

Below you'll find a list of all posts that have been tagged as “Down Payment”

Important Factors To Consider When Getting Financing On A Foreclosure, Short Sale or New Construction

Short sales, foreclosures and new construction homes all have caveats that need to be considered when pursuing financing. If the guidelines and potential pitfalls are not properly understood, you could face delays in closing or potentially even a denied loan. …

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AppraisalDown PaymentForeclosureGovernment LoansInvestment PropertyReal Estate TermsShort Sale

Why Do I Need To Pay A VA Funding Fee?

The VA Funding Fee is an essential component of the VA home loan program, and is a requirement of any Veteran taking advantage of this zero down payment government loan program. This fee ranges from 1.25% to 3.3% of the …

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Down PaymentFrequently Asked QuestionsGovernment LoansMortgage InsuranceMortgage Payments

Why Do I Need Mortgage Insurance?

Mortgage Insurance, sometimes referred to as Private Mortgage Insurance, is required by lenders on conventional home loans if the borrower is financing more than 80% Loan-To-Value. According to Wikipedia: Private Mortgage Insurance (PMI) is insurance payable to a lender or …

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Down PaymentFrequently Asked QuestionsLTVMortgage PaymentsUnderwriting Guidelines

What’s The Difference Between A Primary Residence, Second Home and Investment Property?

When applying for a mortgage, a borrower’s “Occupancy Type” is a major factor in the amount of down payment required, loan program available and mortgage interest rate. Whether you are purchasing, doing a rate/term refinance or taking equity out of …

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Down PaymentFrequently Asked QuestionsInvestment PropertyLTVMortgage BasicsSecond HomeUnderwriting Guidelines

Calculating Loan-to-Value (LTV)

Understanding the definition of Loan-to-Value (LTV), and how it impacts a mortgage approval, will help you determine what type of loan amount and program you may qualify for. Since the LTV Ratio is a major component of getting approved for …

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Down PaymentFirst-Time Home BuyerFrequently Asked QuestionsMortgage BasicsMortgage TermsUnderwriting Guidelines

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North Carolina Residential Mortgage Licensee # B-184125
South Carolina Residential Mortgage Licensee # B-184125
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Tennessee Residential Mortgage Licensee # 182797

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