Updated: Oct 10
Discover the path to homeownership in the Sunshine State with our comprehensive guide on how to get the best mortgage rates in Florida. As you embark on the homebuying process, it's crucial to understand the impact of current mortgage rates, jumbo loans, credit scores, and the role of mortgage brokers in the market. Whether you're a first-time homebuyer or a seasoned homeowner looking to upgrade, knowing the ins and outs of property taxes, flood insurance, and median home values will help you make informed decisions on choosing the right loan program for your purchase or refinance.
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What Are Mortgage Rates And Why Are They Important?
Mortgage rates are crucial to understanding the overall cost of homeownership, as they directly impact loan amount and your monthly mortgage payments. These rates vary based on a range of factors, such as the borrower's credit score, down payment amount, and the type of mortgage chosen. They also differ based on geographic location, with Florida mortgage rates potentially differing from other regions.
Securing the best possible mortgage interest rate, is essential to minimizing the long-term costs associated with purchasing a property. Even small differences in interest rates can have a substantial impact on lifetime costs. Therefore, it is important for borrowers to be proactive when researching available options and to consider working with a mortgage broker to find the best mortgage for their specific needs.
Mortgage rates are also influenced by factors such as whether the property is a condo unit or a detached single-family home, whether it is considered non-warrantable, and whether it is owned by a single person or entity. Other factors include the debt-to-income ratio, the loan terms, the number of units occupied by non-owners, and whether the condo is warrantable or non-warrantable. FHA loans, conventional loans, and portfolio loans are some of the mortgage types available to borrowers.
When searching for the best lender, borrowers may consider working with mortgage brokers. It is important to understand the differences between correspondent lenders and mortgage brokers and negotiate for lower rates and look out for common mortgage fees. Closing cost assistance may also be available.
Compare Fixed & ARM Home Mortgage Rates in FL
One of the first decisions a borrower faces when searching for the best mortgage rates in Florida is whether to opt for a fixed-rate or adjustable-rate mortgage (ARM). Fixed-rate mortgages have an interest rate that remains constant throughout the loan term, providing stable monthly payments and peace of mind.
On the other hand, adjustable-rate mortgages come with interest rates that change periodically after an initial fixed period based on market conditions. For instance, a 5-year ARM will maintain its starting interest rate for five years before adjusting annually thereafter.
ARMs often provide lower initial interest rates than their fixed counterparts, making them suitable for those who expect to sell or refinance within a few years.
To find out if a fixed or adjustable-rate mortgage would suit your needs better while hunting down the best mortgage rates in Florida state housing market dynamics such as current trends and future predictions should play into your decision-making process.
Forecasting Mortgage Rates In Florida
Understanding the factors that influence mortgage rates can give borrowers an edge in securing the best deal on their home loan. By keeping a close eye on industry trends and economic indicators, prospective homeowners can better predict how interest and average mortgage rates will change over time.
To successfully forecast mortgage rates in Florida, consider monitoring key influencers such as inflation, Federal Reserve policies, housing market conditions, and global economic events.
Inflation affects the overall economy by influencing purchasing power; when it increases rapidly or unexpectedly, lenders may raise interest rates to compensate for potential losses. Federal Reserve policies play a crucial role in setting short-term interest rates, which in turn can impact long-term mortgage rates. Monitoring the Fed's decisions can help borrowers anticipate potential changes in mortgage rates.
Housing market conditions within Florida also significantly impact mortgage rates. Factors such as supply and demand, construction costs, and local economic health can all influence the rates offered by lenders. Staying informed about these trends can help borrowers identify the most favorable time to secure a mortgage.
Global economic events can also have a significant effect on mortgage rates. For example, uncertainty in international financial markets can lead to increased volatility in interest rates. By staying up-to-date on global economic news, borrowers can better anticipate fluctuations in mortgage rates.
By staying informed about these factors and working with experienced professionals like Bennett Capital Partners – a mortgage brokerage firm specializing in residential and commercial mortgages. Headquartered in Miami and servicing all of Florida, Bennett Capital Partners is dedicated to helping clients optimize opportunities presented by shifting market conditions, propelling them closer to achieving their dreams of homeownership.
In conclusion, understanding the key factors that influence mortgage rates and working with a reputable mortgage brokerage firm like Bennett Capital Partners can help you secure the best mortgage rates in Florida. By staying informed and leveraging expert guidance, prospective homeowners can confidently navigate the ever-changing mortgage landscape and make sound financial decisions.
Florida Mortgages Overview
Florida is a popular location for purchasing a property, whether it's a condo unit, single-family home, or multi-unit condos. To finance these properties, you have various options for mortgages, such as conventional loans, FHA loans, and portfolio loans.
Key factors that can affect your mortgage rates:
✓ Credit score: A good credit score can help you qualify for competitive rates, and some lenders offer special programs for those with lower scores.
✓ Down payment: A higher down payment can result in lower interest rates, and some loans require a certain amount to avoid private mortgage insurance (PMI).
✓ Debt-to-income ratio (DTI): Lenders look at your DTI, which compares your monthly debt payments to your income, to determine your ability to make mortgage payments.
✓ Property type: Condos may have different requirements, such as the condo being considered warrantable or non-warrantable, and may impact mortgage rates.
✓ Transaction Type: Purchase transactions generally have lower rates than refinance transactions with most scenarios and program types. To learn more read out blog post Best Refinance Rates in Florida: Compare and Find the Perfect Mortgage Deal
✓ Economic Conditions: The overall state of the economy, including factors like inflation, employment rates, and economic growth, can impact mortgage rates.
✓ Interest Rate Movements: Mortgage rates often follow the trends of interest rates set by central banks or influenced by market forces.
✓ Loan-to-Value Ratio (LTV): The LTV ratio, which compares the loan amount to the appraised value of the property, can affect mortgage rates. Lower LTV ratios often lead to better rates.
✓ Loan Term: The length of the loan term can impact the interest rate. Generally, shorter-term loans tend to have lower rates compared to longer-term loans.
✓ Type of Loan: Different types of loans, such as conventional loans, FHA loans, or VA loans, may have varying interest rates.
✓ Property Location: The location of the property can influence mortgage rates due to factors like regional housing market conditions and local economic factors. Refinancing rates in Florida will differ from refinancing rates in new york.
✓ Market Competition: The level of competition among lenders can affect mortgage rates. When there is more competition, rates may be more favorable.
Here are some additional details to consider:
Types of Mortgages
✓ Conventional mortgages: These loans are not backed by the government and typically require a good credit score and a larger down payment.
✓ Portfolio loans: These loans are typically for non-warrantable properties or those with unique circumstances.
✓ Non-QM mortgages: These loans don't meet the criteria of traditional mortgages and are not backed by Fannie Mae or Freddie Mac.
Other Important Factors
✓ HOA dues and ownership: If the property is part of a homeowners association (HOA), the dues may affect your monthly payment. Additionally, ownership requirements may impact your ability to secure a mortgage.
✓ Short-term rental units: If you plan to rent out the property as a short-term rental, be sure to research the local laws and regulations.
✓ New construction: Buying a property that is yet to be completed may have different requirements, such as additional funds held in escrow.
Mortgage Rate Locks
Securing a mortgage rate lock can be an effective strategy for borrowers seeking the best mortgage rates. This financial tool guarantees that your lender will honor a specific interest rate for a predetermined period, typically 30 to 60 days, thereby protecting you from potential fluctuations in the market.
To understand the benefits of this approach, consider two scenarios: In scenario one, imagine locking into an attractive interest rate but then watching as rates drop further; while some may feel that they missed out on even better savings due to their locked-in commitment, it's important to remember that re-locking at newer and lower rates is often possible.
As with any financial decision, it's crucial to weigh options personally suited to individual needs and circumstances when considering whether or not obtaining a mortgage rate lock is appropriate.
Researching And Comparing The Best Mortgage Rates In Florida
When looking for the best mortgage rates, researching and comparing rates is crucial. One important tool to use when conducting research is to compare mortgage rates with brokers like Bennett Capital Partners which has been in the local florida market with over 20+ years of experience.
It's also helpful to compare rates on websites such as Bankrate.com and Forbes Advisor, which provide tools that allow users to view mortgage rates from local banks, credit unions, and brokers in Florida.
When comparing rates, it's important to consider interest rates but also other fees associated with getting a mortgage. These include lender fees, closing costs, origination fees, and discount points, among others.
Partner with a seasoned professional at Bennett Capital Partners, and rest easy knowing that the likelihood of your Mortgage Loan Gets Denied in Underwriting is significantly minimized.
Mortgage Brokers And Bennett Capital Partners
Working with a mortgage broker can simplify the process of finding the best mortgage rates in Florida. Brokers, such as Bennett Capital Partners Mortgage Brokerage, have access to a network of lenders and loan programs that borrowers may not be aware of on their own.
Our Brokers can often help borrowers find customized rates and loan terms that fit their unique financial situation. In addition, working with a reputable broker like Bennett Capital Partners can provide guidance throughout the homebuying journey to ensure borrowers make informed decisions when selecting the right mortgage for their dream home.
Partner with Bennett Capital Partners and put your worries to rest about your mortgage loan denied in underwriting.
Referral Networks And Using Mortgage Brokers
Mortgage brokers are licensed professionals who can connect you with a network of lenders, providing customized rates and options tailored to your specific needs. Working with a mortgage broker is beneficial because they have access to referral networks that extend beyond traditional banks and lending institutions.
Florida mortgage brokers like Bennett Capital Partners also have established relationships with various lenders, which means they may be able to secure better terms and interest rates than if you were to approach mortgage lenders more directly.
Credit Score, Down Payment, And DTI Ratio: How They Affect Rates
Your credit score, down payment amount, and debt-to-income ratio (DTI) are critical factors that impact your mortgage rate.
Importance Of Credit Score
Your credit score is one of the most critical factors in obtaining a low-interest mortgage rate. Lenders use this numerical value to determine your financial stability and creditworthiness, making it a key element in the mortgage approval process.
A higher credit score can help you secure lower interest rates, while lower scores may result in paying significantly more over time.
Improving your credit score by even a few points can make all the difference when it comes to securing favorable loan terms. Some tips for boosting your score include consistently paying bills and debts on time, keeping balances low on revolving accounts such as credit cards, avoiding opening too many new accounts at once, and disputing any errors that appear on your reports with each of the three major credit bureaus (Equifax, Experian & TransUnion).
Tips For Improving Credit Score
Improving your credit score is a surefire way to get better mortgage rates. Here are some tips to help you achieve that:
✓ Check your credit report for errors and dispute any mistakes you find.
✓ Pay all of your bills on time and in full every month. Late payments can damage your credit score.
✓ Keep your credit utilization ratio under 30%. This means only using up to 30% of your available credit – otherwise, it could indicate that you're overextended financially.
✓ Don't close old credit card accounts, as they contribute to the length of your credit history and can increase your score.
✓ Avoid applying for too much new credit at once, as this can negatively impact your score.
By following these tips, borrowers looking for the best mortgage rates in Florida can improve their credit scores and qualify for better loan terms from lenders like Bennett Capital Partners Mortgage Brokerage.
Importance Of A Down Payment
A down payment is a crucial factor in determining your mortgage rates. It is the amount of money you pay upfront when purchasing a home, and it also reduces the percentage rate and overall amount you need to borrow.
The larger your down payment, the lower your monthly payments will be, and the less interest you'll pay over time.
For borrowers looking to get better mortgage rates in Florida, saving up for a higher down payment can make all the difference. Even if it may take longer to save up initially, having more cash upfront helps ensure that lenders view you as a low-risk borrower who's invested significant capital into their investment - ultimately leading to lower interest rates on your loan.
How Down Payment Affects Mortgage Rates
Your down payment amount can have a significant impact on your mortgage rates. Generally, the more money you put down upfront, the lower annual percentage rate your interest rate will be.
For example, let's say you're purchasing a $300,000 home with a 30-year fixed-rate mortgage at 6% interest. If you put down only 5%, or $15,000, your monthly mortgage payment would be around $1798.65 and you'd pay about $347,515.44 in total interest over the life of the loan.
Importance Of DTI Ratio
Your debt-to-income (DTI) ratio is one of the most important factors that lenders consider when determining your mortgage rate. This ratio measures your monthly debt payments against your gross income, and it helps lenders understand how much you can afford to pay for a mortgage.
Your DTI ratio can also have a significant impact on your credit score. If you have a high DTI ratio and struggle to make all of your monthly payments on time, this could lead to missed payments and delinquencies on your credit report.
To get the best mortgage rates in Florida, it's essential to calculate your DTI ratio early in the process and work on improving it if necessary by paying off existing debts or increasing income streams. Call Bennett Capital Partners, and we can help you calculate your debt-to-income ratios.
How DTI Ratio Affects Mortgage Rates
Your debt-to-income (DTI) ratio is a crucial factor when it comes to getting the best mortgage rates in Florida. Basically, your DTI ratio compares your monthly expenses to your monthly income.
In general, the lower your DTI ratio, the better chance you have of securing a competitive interest rate on your home loan. Most lenders prefer borrowers with ratios under 36% but some may allow up to 49.99% for conventional loans and 56.99% for FHA loans.
To give an example, if you have a gross monthly income of $5,000 and total monthly debts of $1,500 (including car payments or student loans), then your DTI ratio would be 30%.
A higher DTI means more risk for lenders which could lead to higher interest rates or denied applications altogether. Keep in mind that rent payments may or may not be included in the calculation depending on the lender.
Different Mortgage Types And Their Impact On Rates
Understanding the different types of mortgages in Florida is key to finding the best purchase rates and the best refi rates in Florida, so read on for an overview of conventional, government-backed, portfolio, jumbo loans, and more.
Conventional mortgages are a popular type of mortgage loan among borrowers in Florida. These loans can be either fixed-rate or adjustable-rate mortgages and have specific program requirements based on the borrower's credit score, down payment, and DTI ratio.
One benefit of a conventional mortgage is that it typically has more flexible terms compared to other types of loans. Borrowers can choose from various term lengths and customize their rates based on factors like their credit score or down payment amount.
However, borrowers should also consider that conventional mortgages often require higher credit scores and larger down payments than other types of loans.
Government (FHA, USDA, VA)
FHA loans offer affordable interest rates, low down payment options, and more lenient credit requirements. VA loans provide flexible qualifications and require no down payment for eligible veterans or active-duty military personnel.
The USDA Section 502 Direct Loan Program helps low-income individuals obtain safe and sanitary housing in specific rural areas of Florida. All three loan programs offer fixed-rate mortgages, with varying terms to suit different borrowers needs.
Portfolio programs are specialized lending options offered by banks and credit unions that keep the loans on their books instead of selling them to investors. These types of programs can be particularly helpful for borrowers with unique circumstances or non-traditional sources of income who may not qualify for conventional mortgages.
Portfolio loans typically have higher interest rates compared to conventional mortgages, but they offer more flexibility when it comes to eligibility requirements and loan terms.
Other portfolio lenders may specialize in jumbo loans or specific geographic areas where underwriting guidelines may differ from standard market practices.
Community banks are local financial institutions that offer a variety of services, including mortgages. These banks often have a more personal approach to lending and can be knowledgeable about the housing market in their specific area. They may also have lower fees and interest rates than larger national lenders. One example of a community bank in Florida is Centennial Bank with locations throughout the state.
Credit unions are another option borrowers should consider when looking for a mortgage lender in Florida. These non-profit financial institutions offer competitive rates and lower fees compared to traditional banks.
Brightsat Credit Union is one example of a credit union. Their home loan specialists work with borrowers to determine the best loan program based on their specific needs, including first-time homebuyer programs and jumbo loans.
If you're in the market for a high-priced home, chances are you'll need a jumbo loan. Jumbo loans are larger than conventional conforming loans and offer financing options for purchases or refinances that exceed the traditional lending limits set by Fannie Mae and Freddie Mac.
These loans come with stricter underwriting rules and generally necessitate a down payment of 20% or more. The interest rate on a jumbo loan typically mirrors current short-term interest rates as determined by the Federal Reserve, but they can vary depending on factors such as credit score, DTI ratio, and property value and location.
Non-QM mortgages are a type of loan that does not meet the standards set by Fannie Mae and Freddie Mac. These loans have different guidelines to qualify for, such as higher down payments or lower credit scores.
While interest rates may be higher than traditional loans, non-QM mortgages allow borrowers who cannot qualify for traditional loans to still purchase a home. Griffin Funding is one company offering a range of non-QM mortgage products in Florida that can help borrowers qualify using better representations of their reliability.
Private lending is an alternative option for borrowers looking to secure a mortgage loan, especially if they have unique financial or credit circumstances that may not qualify them for traditional loans.
Private lenders are typically individuals or small businesses who lend money based on their own criteria rather than following the guidelines set by banks and other institutions.
Although private lenders can offer flexibility in terms of interest rates and loan structures, they usually come with higher rates, fees, and shorter repayment periods than conventional mortgages.
Finding And Negotiating With The Best Lender In Florida
When looking for the best lender in Florida, borrowers should consider using a mortgage broker like Bennett Capital Partners who can provide personalized and customized rates by comparing different lenders and loan programs.
Banks Vs. Mortgage Brokers And Why Brokers Are Better
When shopping for a mortgage, borrowers often have the choice between working with a bank or a mortgage broker. While banks may offer convenience and familiarity, mortgage brokers can provide more personalized support and save clients time and money in the long run.
Unlike banks that typically only offer their own loan products, mortgage brokers have access to multiple lenders and loan options. This means they can find special deals and negotiate on behalf of clients for the best interest rates and lowest fees.
For Florida residents looking for the best mortgage rates, considering different options is key.
Large National Lenders VS Mortgage Brokers And Why Brokers Are Better
While large national lenders may offer name recognition and convenient online platforms, using a mortgage broker can provide borrowers with more personalized services and options. Large National lenders are bureaucratic and full of red tape, its best to avoid them if possible. When an issue arises on the mortgage you are often left on your own to problem solve.
Mortgage brokers have relationships with multiple lenders, allowing them to shop around for the best rates and terms that fit their clients' specific needs.
Online Vs. Mortgage Brokers And Why Brokers Are Better
While it may seem convenient to search for mortgage rates online, working with a mortgage broker can often yield better results. This is because online tools and calculators may not take into account all of the factors that lenders consider when determining interest rates.
Mortgage brokers have access to a wider range of lenders and loan options than what is available through an online search, giving borrowers more choices and potentially leading to lower rates and fees.
Additionally, brokers can act as advocates for borrowers during the application process, helping navigate any potential complications or obstacles that could arise.
Correspondent Vs Mortgage Brokers And Why Brokers Are Better
Correspondent lending and mortgage brokers are two distinct methods of getting a home loan. A correspondent lender is typically a bank or an institution that funds its own home loans, whereas a mortgage broker acts as the middleman between borrowers and lenders.
Mortgage brokers work with multiple lenders to find the best deals for their clients. They have access to several loan programs that may not be available through correspondent lending channels, including portfolio programs and non-QM mortgages.
Additionally, since brokers only get paid when they close on a loan, they're incentivized to provide excellent service every step of the way.
Common Mortgage Fees To Look Out For
It's important to be aware of the common fees associated with obtaining a mortgage in Florida. These fees can vary from lender to lender, so it's best to shop around and compare upfront costs before committing to a loan. Here are some common mortgage fees to look out for:
✓ Origination fee: This is a fee charged by the lender for processing the loan application. It's a monthly payment usually around 1% of the loan amount or the total cost of the loan.
✓ Appraisal fee: An appraisal is required by most lenders to ensure that the property being purchased is worth the amount you're borrowing. The fee for this service can range from several hundred dollars to over $1,000.
✓ Credit report fee: Lenders will pull your credit report to evaluate your creditworthiness as a borrower. Some lenders may charge a fee for this service.
✓ Title search and insurance fees: These fees cover the cost of researching the property title and insuring against any potential issues that may arise.
✓ Escrow fees: If you're required to set up an escrow account, there may be additional fees related to managing that account.
✓ Prepayment penalty: Some lenders may charge a penalty if you pay off your mortgage early.
Before making any decisions, it's crucial to review all costs associated with obtaining a mortgage in South Florida. Working with the best mortgage lenders in South Florida through a mortgage broker can save you time and effort, as they have access to a network of lenders and can efficiently compare loan options. Their expertise ensures you secure the best terms and rates for your mortgage in South Florida.
Closing Cost Assistance
Closing costs can be a major hurdle for many borrowers looking to secure the best mortgage rates in Florida. Fortunately, there are several programs available that offer closing cost assistance to help alleviate this burden.
For example, the Florida Hometown Heroes Housing Program provides down payment assistance, and closing cost assistance to income-qualified first-time homebuyers.
Additionally, some lenders may pay for many of the initial closing costs and fees
upfront, then make up for it by charging a slightly higher interest rate over time.
In conclusion, finding the best mortgage rates in Florida requires research and comparison of loan types, lenders, and current market trends.
Summary Of The Most Important Tips
To get the best mortgage rates in Florida, borrowers should start by researching and comparing different lenders. Working with a mortgage broker like Bennett Capital Partners can provide customized rates and more options to choose from.
It's important to carefully consider the loan type of mortgage program that is best for your situation, whether it be a fixed rate or adjustable rate loan. When negotiating with lenders, look out for common fees such as closing costs and origination fees that may impact your overall cost.
Contacting Bennett Capital Partners For Expert Assistance
Looking for the best mortgage rates in Florida can be a daunting task, but you don't have to do it alone. Bennett Capital Partners is here to provide expert assistance and tailored solutions for your home loan and investment property financing needs.
At Bennett Capital Partners, customer satisfaction is their top priority. They understand that buying a home or investing in property can be a significant financial decision, which is why they work closely with clients to ensure that they receive personalized attention every step of the way.
What Are Mortgage Rates And Why Are They Important For Getting The Best Mortgage Rates?
Mortgage rates refer to the interest charged on a home loan. They are crucial when looking for the best mortgage rates, as they determine how much you will pay in interest over the life of your loan, and can significantly impact your monthly mortgage payment.
Compare Fixed & ARM Home Mortgage Rates in FL to Find the Best Mortgage Rates
To find the best mortgage rates in Florida, compare fixed-rate mortgages, which have a set interest rate for the life of the loan, and adjustable-rate mortgages (ARMs), which have a variable interest rate that can change over time. Consider the pros and cons of each type of mortgage and choose the one that offers the best mortgage rates for your financial goals.
Forecasting Mortgage Rates In Florida To Secure The Best Mortgage Rates
To secure the best mortgage rates in Florida, it's essential to keep up-to-date with the state of the national economy, inflation, and changes in the Federal Reserve's interest rates. Work with a trusted lender who can help you lock in the best rate for your mortgage.
Different Mortgage Types And Their Impact On The Best Mortgage Rates
The type of mortgage you choose can have a significant impact on your interest rate and affect the best mortgage rates available to you. For example, jumbo loans typically have higher interest rates than conforming loans. Consider the impact of the mortgage type on your overall loan cost when comparing rates to secure the best mortgage rates.
Finding And Negotiating With The Best Lender In Florida For The Best Mortgage Rates
When shopping for the best mortgage rates in Florida, research and compare offers from multiple lenders. Look for a lender with a good reputation, transparent fees, and a willingness to work with you to find the best mortgage rate. Negotiate with lenders to secure the best deal possible on the best mortgage rates.
Philip is the owner and Licensed Mortgage Broker at Bennett Capital Partners. He earned his degree in Accounting and Finance from Binghamton University and holds a Master's Degree in Finance from NOVA Southeastern University. With more than 20 years of experience, Philip has been a leader in the mortgage industry. He has personally originated over $2 billion in residential and commercial mortgages.
Learn more about Philip Bennett's background and experience on our Founder's page. Whether you're a first-time homebuyer or a seasoned real estate investor, our team is here to help you achieve your real estate goals. Don't wait any longer, contact us today and let us help you find the right mortgage for your needs.
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