Sunday, August 31, 2008

Financing the American Dream

Buying a home is the biggest financial investment most of us will ever make.

As with any large project or goal, it requires dealing with a variety of complex issues.

The best approach is to divide the process into manageable tasks.

If you cannot afford a conventional mortgage, there are a variety of alternatives. An anxious seller will sometimes offer temporary owner financing

Federal Housing Administration (FHA) loans offer down payments as low as 3%, but may require the buyer to purchase mortgage insurance. (The FHA is a government agency responsible for insuring affordable housing mortgages.)

The Veterans Administration (VA) offers no-money-down mortgages to qualified veterans of the U.S. military. Finally, there are local affordable housing advocates that offer low-cost, low down-payment loan alternatives.

For further information, contact the FHA, VA, Fannie Mae, or your local mortgage lender or real estate broker and if you would like to make a 1% commission off of any loans that you bring to the table, then you should check out this new funding program which was just launched.

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