Current Fha Mortgage Rates
15 Year Fixed Rate FHA Mortgage Loan To Become More Affordable
President Barack Obama signed into law H.R. 5981 on August 11th 2010. H.R. 5981 was sponsored by Massachusett's Democratic Representative Barney Frank. The bill amends the National Housing Act in regards to mortgage insurance premiums. It authorizes the Secretary of Housing and Urban Development (HUD) to increase annual premium payments on FHA mortgages. It gives the Secretary of HUD the authority to almost triple the premium rates. How does this regulatory change make 15 year mortgages more affordable?
HUD announces decreases to upfront mortgage insurance premiums on all FHA loans no matter the term or Loan to Value (LTV). In a memo dated August 5th, 2010, David H. Stevens, Assistant Secretary for Housing and Commissioner of the Federal Housing Administration, stated that the upfront mortgage insurance premium charged on FHA mortgages will be reduced to 1% of the loan amount on all mortgage terms. Currently the premium is 2.25% of the loan amount. For example, the one time upfront mortgage insurance charge on a $200, 000 loan will be reduced from $4, 500 to $2, 000. The decrease in upfront mortgage insurance premiums will apply to all terms, whether 15 year or 30 year-affording both an upfront savings.
How, then, does a 15 year mortgage become more affordable with the new legislation? Remember that mortgage insurance paid by a borrower is not simply comprised of the upfront mortgage insurance premiums which as stated above will be decreasing. It also includes an annual mortgage insurance premium which is added onto the monthly mortgage payment. It is the upcoming increase in this annual insurance premium rates for FHA loans with terms greater than 15 years that will cause 15 year FHA mortgage loans to be the more affordable option for many consumers.
How will different Loan to Values (LTVs) and loan terms affect the annual mortgage insurance premiums increased by H.R.5981? Mortgage insurance on 15 year fixed rate FHA loans is only required on loans with loan to values above 90%, whereas mortgage insurance is required on all FHA mortgages with terms greater than 15 years regardless of the loan to value. The loan to value (LTV) is the amount of the new mortgage divided by the appraised value of your home. The annual mortgage insurance premium rate for a FHA 15 year loan with a loan to value above 90% is .25%. This is a much lower premium rate than the current 30 year which has a .55% cap now. The 30 year premium rate will likely go as high as .90% October 4th and with the passage of H.R. 5981 could go up to a high of 1.55%.
To illustrate the law's impact, consider a $200, 000 FHA mortgage loan and compare the upcoming changes in the annual mortgage insurance premium rates relative to different LTVs and terms of the loan.
Example 1:
Consider first a $200, 000 FHA mortgage loan at 80% LTV or with a $250, 000 appraised value.
15 year term. Remember that a 15 year term under 90% LTV does not require annual mortgage insurance-only the upfront mortgage insurance. A 15 year loan at 80% LTV will benefit from the decrease in upfront mortgage insurance and will not be negatively impacted by the increased annual rate.
Greater than 15 year term now = .5% premium or $83.33 mortgage insurance premium per month
Greater than 15 year term after Oct 4th = .85% premium or $141.67 mortgage insurance premium per month
Greater than 15 year term maximum per HR5981 = 1.5% premium or $250.00 mortgage insurance premium per month
Example 2:
Consider a $200, 000 FHA mortgage loan at 97% LTV or with $206, 000 appraised value.
15 year term. A 15 year term on a loan with a greater than 90% LTV currently requires at least a .25% premium or $41.67 per month. This .25% premium rate remains unchanged on 15 year term loans with the upcoming legislation.
Greater than 15 year term now = .55% premium or $91.67 per month
Greater than 15 year term after Oct 4th = .90% premium or $150.00 per month
Greater than 15 year term maximum per H.R. 5981 = 1.55% premium or $258.33 per month
What does this mean? When examining mortgage options for your next home purchase, refinance, or streamline refinance, keep in mind the cost of mortgage insurance premiums and their effect on your monthly payment. Upcoming changes to both upfront mortgage insurance charges and annual mortgage insurance premiums will make 15 year fixed rate FHA mortgage loans more attractive and affordable.
Sources:
Statement by the Press Secretary on H.R. 5872 and H.R. 5981
August 5th 2010 Special Edition Letter
By Angela Thompson - Angela is an environmental consultant and freelance writer with three daughters, 4 cats, a psychotic dog and a very supportive husband. Angela enjoys sharing her experiences from her mom's eye view of the...
What are the current FHA mortgage rates?
Also, what are the pros and cons of an FHA mortgage?
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Does anyone know what the current FHA mortgage rates are?
It's for NJ and it would be for a $225000 and for 30yrs.
also with not good credit...
Get the answers...
Current FHA Mortgage Rate?
I am supposed to refinance on Sunday from a fha at 6.5% rate to a 5.5. my payment is approx 1670 with interest and all and will be down to 1535 with the refinance. He stated that my escrow will be sent and I can keep it (1200) and i can skip my march payment which will basically give me 300 in the pocket. I didnt really want money back i just wanted my payments lowered by 250 or so to adjust for my other issues that occured. Is 5.5 30 fixed a good rate or will there be something with this stimulus that will drop housing to 4.5 or so. He also said I can refinance again after about 6months if the rates got lower, AM I BEING DOOPED? just so they can get a sale or does it pass the smell test. THanks.O my new mortgage is noe 228,000 it was 225,000. He did say that i could pay points but it would cost me the $3000 they giving me to just drop it .5% which is only about $60 bucks he says
when you mean mortgage rate you simply speaking of the cost correct or do you mean also the interest part because im currently paying about 1670 but I believe 200 of it is insurance and all the other stuff i get billed. I gross according to my base salary 4700(on the higher end) so that means i should qualify correct. I only had my home since septmeber(new construction townhome)...am i actually eligible for the new deal?
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今天晚上是属于你可能每天都上的网站的大日子。噢， 不好意思，我不是说谷歌(Google)。你会喜欢它，因为你的朋友会在那里跟你打招呼，你也可以把朋友的名字标贴在照片上。如果这个世界现在没有了Facebook，你可以想象会变成怎样吗？ 早在公司定出的上市日期前，投资者及旁观者已经对它产生浓厚的兴趣，很多人都希望可以希望能分得一杯羹。 我可以在此大谈Facebook的历史，它是怎样从其创办人马克扎克伯格（Mark Zuckerberg）的哈佛宿舍里诞生及发展到今时今日的受欢迎程度，但我觉得这些其实不大重要。或许你可以想想你是怎样开始用Facebook，与其他社交网站(像Friendster，不大熟 ...
Caricature/Cartoon – Mark Zuckerberg and Facebook’s IPO – Why Should he be the One?
It’s easy to awe this caricaturist. You just need to be a Leonardo Da Vinci, an Albert Einstein, a Steve Jobs, or a Mark Zuckerberg. Presenting Mark Zuckerberg, the coder who decoded our lives by creating Facebook and in the process became one of the most talked about people in the world of business ...
Where the Jobs Are - CNN.com - Breaking News, U.S., World, Weather ...
Health; Living; Travel; Opinion; iReport; Money; Sports ... I'm the kind of person where my job is who I am. ... © 2012 Cable News Network. Turner Broadcasting System, Inc.
Best bets for jobs in 2011 - CNN.com
Health; Living; Travel; Opinion; iReport; Money; Sports ... Pursuing certain occupations will provide job ... © 2012 Cable News Network. Turner Broadcasting System, Inc.
Best Jobs in America 2010 - Top 100 - Money Magazine on CNNMoney.com
Money and PayScale.com rate the top 100 careers with great pay and growth prospects.
Best Jobs in America 2010 - Salary and Job Market Information ...
Best jobs in America. Money Magazine ranks careers on salary and job prospects
CNN Money
... is the online home of FORTUNE and MONEY magazines, and serves as CNN's ... for 2 years but recently landed a job ... © 2012 Cable News Network. A Time Warner Company. All ...
Job Search - CNNMoney.com
7,028+ jobs available on CNNMoney.com. ... Business Development / Executive Recruiter: Rad Staffing: Minneapolis, MN: May 04
Job Search - CNNMoney.com - CNN.com - Breaking News, U.S., World ...
7,018+ jobs available on CNNMoney.com. ... Product Manager II Dental: Kaiser Permanente: Oakland, CA: May 17: Product Manager II Dental( Job Number: 126032) No ...
January jobs report: Hiring ramps up, unemployment falls - Feb. 3 ...
The U.S. economy added 243,000 jobs in January, marking the strongest job growth since April.
Best Jobs in America 2011 - Jobs Helping Others: Public School ...
Best jobs for saving the world The pay may be low (and the stress might be high), but in these jobs, you can feel confident you're helping others.
CNN Money
Select a job category ... No CNN/Money.com editorial staff contributed to or were involved in the production of ...
Current Fha Mortgage Rates News
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