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Mortgage Tips from Me to You

There are many different types of mortgage loans available to the consumer. The most common amortized loan types are fixed-rate mortgages (FRM) and adjustable-rate mortgages (ARM).

Fixed rate mortgages are loans in which the interest rate is locked at a specific and agreed upon rate. Many first time homebuyers opt for this type of loan, as it allows them the ability to know exactly what their loan payment will be each month. The payment stays fixed for the entire term of the loan. Typical terms are 5, 10, 15, 20, or 30 years.

Adjustable rate mortgages are loans in which the interest rate is fixed for a short period of time only, and the variation in the rate is determined by the market. Many homebuyers, especially those not concerned with adhering to a strict budget each month, prefer these types of loans. Although different lenders use different indices to determine the market rate, some of the more common are Prime Rate, LIBOR, and the Treasury Index.

Fixed rate loans often end up costing more than adjustable rate loans, but they do not provide the stability of a known and consistent monthly payment. Adjustable rate loans work by transferring part of the interest rate risk from the lender to the borrower, and are widely used when there is instability in the market and fixed rates are difficult to obtain.

There are also other types of mortgage loans available, although the aforementioned are the most common. Other types include blanket loans, bridge loans, budget loans, deeds of trust, equity loans, and wraparound mortgages. When you are considering your first mortgage, you are likely to end up choosing a FRM or an ARM. These are by far the most common mortgage types. Consult your local mortgage broker for more information on these types of loans.

Interest rates have been relatively stable in recent years, and many government agencies and financial institutions offer tax and financial incentives for new homeowners. The Department of Housing and Urban Development oversees a program called the Federal Housing Administration in which the government will insure the lender against a loss (in case you default on your mortgage). Veterans Affairs also administers a program for military veterans, which provides assistance and guarantees to veterans interested in entering the market for a new home.

Whether you are new to the housing market or you have been involved for decades, it pays to stay informed about recent developments. New housing starts are at an all time high, and interest rates are very reasonable. This creates an excellent climate for prospective homeowners. The time just might be right for you to buy your first home!

About the Author: Seymore Hennigan has worked in finance for many years. When he is not crunching numbers or advising his family and friends on investments, he writes freelance articles for an independent mortgage guide filled with extensive information about GMAC Mortgage, Chase Mortgage, mortgage loans and more.

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