Factors that drive your mortgage rate: property type and use

Any or all of these adjustments will affect your mortgage rate, and move it accordingly or change the costs of obtaining the loan. Say your total adjustments add up to 1.125. This would effectively move your rate in the above example rate sheet to 4.75% for the 30-year fixed with a 30-day lock.

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If you want to buy a condominium unit, and you’re not paying cash, this article is for you. If you finance your condominium with a Fannie Mae, Freddie Mac, VA or FHA home loan (between them they have 94 percent of the mortgage market), your condominium project must meet the guidelines of the corporation or government agency that backs your loan.

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Interest Rate Determination | Factors Determining Interest Rates Investopedia’s Mortgage Calculator is based on a complex formula that factors in your mortgage principal (how much you are borrowing), the interest rate you’re paying and the duration of the.

The type of mortgage can affect everything from your purchasing power to your monthly. for a $200,000 mortgage at a 4.75 percent interest rate. We’ll use a consistent estimate for monthly property.

A Fannie spokeswoman says the process involves various steps and it includes checking to see if utilities are on, if there are people in the house and if there is furniture in the property.

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This is a key factor in how mortgage rates are established because it sets the cost for banks to borrow money. Lower Fed interest rates typically lead to lower mortgage rate offers from banks; this, in turn, decreases the monthly mortgage payments a homebuyer must pay for a given mortgage amount.

A Good Faith Estimate (GFE) is a standard template used by lenders to give you the rundown on your loan terms: interest rate, origination fees, monthly payments and more. However, you should know that as of October 2015, the Good Faith Estimate document was replaced by a document called the Loan Estimate for most types of loans.

The refinance interest rate you’ll qualify for will depend on factors like your credit score, interest rate type, and loan type. You’ll have to speak with lender to determine the specific fha refinance rate you’re eligible for. Click here to take advantage of today’s low FHA streamline refinance rates. fha loan payment history requirements

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