Maria Barraza

Check out today's rates! Its a good time to refinance and perhaps to consider if its time to tap into your home equity and grow your real estate investment, consolidate bills or remodel your home? We can review what would payments be like? Do you qualify? How do you prepare to buy, if your are not ready to buy yet? Call consultations are free! 510 430 0909 ... Maria Leonor Barraza - Loan Officer - Servicios en Español Optima Realty dba Loan Smart Mortgage NMLS 1363374 - DRE 01958149

Considering to refinance your home loan? Is refinancing the best option? There are different things that need to be considered. You need to find out if the current "lowest rates" are the best option for you. Is the cost worth it? Call me, text me or email me for a FREE consultation: Cell: 510 430 0909 email: [email protected]... Image source: google images

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Home Loans 101 What is a conventional loan? It is given to folks with good credit history, usually lower debt when compared to FHA borrowers. These loans may or may not require Mortgage Insurance (MI), No MI is required if downpayment is 20% or more, and required if less than 20%; however, the MI cost less than that of the FHA. The conventional loans are not charge what is called Up Front Insurance, which equals to 1.75% of the value of the home, which is charged to FHA l...oans. But, the interest rates tend to be a little higher than those given to FHA loans... yes, this does not make sense, but, conventional loans pay for higher interest rates. The good thing is that there are conventional loans for first time home buyers where you can come in with 3% down payment instead of the 3.5% required by FHA loans. If you would like to know if you qualify for any type of home loan, call me! Consultations are free. Maria Barraza Optima Realty dba Loan Smart Mortgage NMLS 1311169 510 430 0909 Offices in Antioch and Concord