Georgia FHA Mortgage Rates
We constantly keep our eyes on the rates wondering if and when they will move and which direction they will go. As a Georgia FHA home loan expert I am most interested in FHA but we offer VA, Fannie Mae and Freddie Mac loans as well. Of course any move higher invokes [...]

Sure, there’s the old argument that people who don’t make a down payment can’t afford the home. Then there’s the realistic fact that in Georgia you can buy a HUD home for well under market value from HUD using our FHA acquisition loan and only $100 down thus saving your down payment for clean up [...]

We are talking, of course, about closing costs on your next home mortgage (or commercial mortgage for that matter).
Whether you apply for a loan at a lender, bank, credit union, private lender, or broker you have a very high (99.9%) chance your loan will have an origination fee. If your loan is a conforming conventional [...]

Interest rates are never stable. In recent years people seemed to assume that if the rate was, for example, 4.875% today they would have a week or two to make up their mind. This is simply not the case. Rates could very easily be 4.875% today and 5.250% tomorrow … or even this afternoon. RATES [...]

Today a very nice lady telephoned us and asked if we could do an FHA streamline refinance on her home here in Georgia. Of course we can, we reassured her. She did not elaborate but after a short conversation we accepted her application for an FHA streamline, examined her credit, made a few phone calls [...]

Fore loans submitted on or after January 1, 2009 (casefile created), FHA now requires a second appraisal for cash-out refinances with the loan to value is greater than 85%. This means if your home is valued at $200,000 and your loan amount is $170,100 you will need the second appraisal. If your loan amount is [...]

“But wait”, you say, “I thought there were no more 100% loans available?” You would, in part, be correct. If, however, the primary residence you are purchasing is located in a designated rural area (as so designated by the US Department of Agriculture) you may very well qualify for a loan in the amount of [...]

Did you know if you have an existing FHA home loan that you can refinance to a lower rate using something called an FHA Streamline Refinance? The advantage of the FHA streamline refinance is to allow the home owner to refinance from an existing FHA home loan into a new FHA home loan with a [...]

My friend Lane Bailey visited me for lunch yesterday and said, “Ken, I know you tell people 100% loans are available and I know a lot of people have expired listings or are trying to sell by owner but everyone is terrified and skeptical. Is it not true that you can finance (home sales) at [...]

The Businessweek list of the 50 best places in America to raise children is out and our own Warner Robins, Georgia is on the list! Read the listing and see the photo here.
Warner Robins is just a little over an hour south of Atlanta and minutes from the former state capitol of Macon. Our FHA [...]