Louisville Kentucky Mortgage Rates


Louisville Kentucky Mortgage FHA, VA, KHC, USDA, Fannie Mae • just now Kentucky USDA Rural Housing Loans : KY USDA RURAL HOUSING LOAN PROGRAM GUIDELINES
Louisville Kentucky Mortgage FHA, VA, KHC, USDA, Fannie Mae • just now
Kentucky USDA Rural Housing Loans : KY USDA RURAL HOUSING LOAN PROGRAM GUIDELINES

Louisville Kentucky Mortgage Rates.

Joel Lobb (NMLS#57916)
Senior Loan Officer
American Mortgage Solutions, Inc.
800 Stone Creek Pkwy, Ste 7,
Louisville, KY 40223
(: (502) 905-3708 |7Fax: (502) 327-9119|

Company ID #1364 | MB73346

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Can You Afford to Buy a House?


Can You Afford to Buy a House?.

Be sure to factor in all the costs

By Michelle Dawson | Realtor.com

Although the thought of paying a mortgage is more enticing than paying rent, it’s important to understand all the costs involved in buying and owning a home as you determine whether you can afford to join the ranks of homeowners.

Potential buyers sometimes forget to factor in the down payment, homeowners insurance and the possibility of depreciation, as well as the costs associated with closing the transaction, moving, purchasing major appliances, and home, landscape and pool maintenance, not to mention furnishings and design accessories once you move in.
The days of calling up the landlord to fix your problems come to an abrupt halt when you’re a homeowner. You’ll be responsible for everything from malfunctioning appliances to leaky faucets to broken heating and air conditioning units and everything in between. And if you buy an older home, you’ll probably eventually encounter costly repairs, such as replacing the roof or windows.
To determine whether you can afford to buy a home, you should do the following:
1. Determine the property value of homes that interest you. The property value (what the home is worth) is determined by comparing the prices of homes recently sold of similar size in the same neighborhood. Your real estate agent will be able to provide this information to you.
2. Review different mortgage loan types and compare their required down payment amounts to the money you have available. Down payments, based on a percentage of the value of the property and determined by the type of mortgage you select, typically range from three to 20 percent of the property value. Don’t forget to factor in private mortgage insurance, a policy that allows mortgage lenders to recover part of their financial losses if a borrower fails to full re-pay a loan. Mortgage insurance makes it possible to buy a home with as little as 3 percent down. Usually, the lower the down payment, the higher the PMI, which typically will cost somewhere between $40 and $125 a month.
3. Get an estimate of your closing costs, including points (the dollar amount paid to a lender for obtaining a lower interest rate on a loan—one point is one percent of the loan amount), taxes, recording, inspections, prepaid loan interest, title insurance (a policy that insures a home buyer against errors in the title search; cost of the policy is usually a function of the value of the property, and is often borne by the purchaser and/or seller) and financing costs from your mortgage lender or a real estate professional. These will generally add up to between 2 and 7 percent of the property value. You’ll receive an estimate of these costs from your lender after you apply for a mortgage.
4. Add the down payment requirements and the closing costs together to determine the amount of money you’ll need right off the bat. But you’re not done yet.
5. Think about the actual move. Will you hire a moving company or rent a truck? Either way will cost you. The more stuff you have, the more it will cost.
6. Property taxes. Many lenders will require an impound account in which monthly payments for property tax (and often insurance) are paid together with the monthly mortgage payment. You can figure your average annual tax rate will be about 1.5 percent of the purchase price of your home.
7. Next, budget for maintenance and repairs. HouseMaster, a home inspection company with 300 franchises nationwide, said that based on a study that evaluated 2,000 inspection reports, the typical costs of major repairs are:
  • Roofing: $1,500 to $5,000
  • Electrical systems: $20 to $1,500
  • Plumbing systems: $300 to $5,000
  • Central cooling: $800 to $2,500
  • Central heating: $1,500 to $3,000
  • Insulation: $800 to $1,500
  • Structural systems: $3,000 to $1,500
  • Water seepage: $600 to $5,000
Once you crunch the numbers and find you come up a bit short, investigate ways to reduce or creatively fund your down payment—it can come from a variety of sources. Check with your realtor or lender to find out what’s available.
You’ll also need to factor in the cost of homeowners insurance. In addition to the type of construction, age of the home, your credit history and past insurance history, new issues like litigating costly toxic mold cases are raising homeowners insurance rates.
In fact, the National Association of Insurance Commissioners reports that homeowners will spent an average of $822 on homeowners insurance in 2007, the last year data was available.
In your final analysis of whether you can afford to buy a home, you’ll want to weigh the costs with the financial benefits—a consistent mortgage payment (unlike rent, which can increase), the tax benefits (you can deduct, in most cases, mortgage interest, closing costs, and property taxes), and the all-important appreciation factor—the rate of increase in a home’s value.
And of course, you’ll want to weigh perhaps the biggest benefit of all—having a place to call your own.

Louisville Kentucky Jumbo Mortgage Loans


Qualifying for a Jumbo Mortgage in the Post Boom Era

Qualifying for a Jumbo Mortgage in the Post Boom EraYour Jumbo Mortgage Solution

Louisville Kentucky Jumbo Mortgage Loans

Louisville KY Jumbo loans are any loans over $417,000. With jumbo loans you typically have to put down 20% or more. Jumbo loan option include 30 and 15 year fixed or 3, 5, 7 year ARMS. Jumbo loans start over $417,000, but can go up to the multi-million dollar range. As the loan amount goes up, the percentage you have to put down goes up.
These loans often require the borrower to have high credit scores and plenty of reserves. The borrower also has to be willing to help us document their income. The stated income options of yesterday are long gone. If you are a business owner, you will now have to provide tax returns to prove income.
Typically Jumbo loans have higher rates than conforming loans under $417,000. This is because jumbo loans carry a lot more risk to lenders. Jumbo loans are associated with luxury homes which can take longer to sell and can be prone to large valuation shifts. Jumbo loans and higher-end homes have come under more scrutiny with the lower market values and the associated difficulties with appraising luxury homes. In the current mortgage environment fewer lenders are offering jumbo loans and super jumbo loans.
So, if you are in the market for a jumbo loan, here are the new rules:
• A down payment, or, if refinancing, equity, of (usually):
• At least 20% down for jumbos up to $1 million
• At least 30% down up to $2 million
• More for loans over $2 million
• An excellent credit score (at least 720 but could be more as some banks report that their average jumbo customer has a credit score in the 760s)
• Income documentation and verification. Borrowers are now required to provide financial records verifying that they earn what they say they earn (some borrowers have been asked to provide two years of their income history).
• Expect to obtain an adjustable-rate loan; fixed-rate jumbos are relatively rare.
• DTI (Debt-to-Income) of less than 38 percent. That means a borrower’s monthly mortgage payment must be less than 38 percent of their income before taxes. The ability to afford to make monthly payments is critical in the jumbo loan market.
Be prepared to shop around. Depending on what part of the country you are in, lenders can have different jumbo loan lending guidelines. Guidelines may also vary depending on the type of dwelling (condo vs. house), whether it is a primary home or investment property (some lenders will only approve jumbo loans for primary residences; others will grant jumbo loans for vacation homes or investment properties).
Jumbo loans are not commodities. Today, most jumbo loans come from the big banks that are keeping loans on their books instead of selling them. Falling property values are still a concern, but with jumbo loans requiring a lower loan-to-value ratio, even if housing prices dropped sharply, the risk to the bank is low.
Since interest rates on deposits are currently low, the bank makes money by charging higher interest rates on mortgages than they pay on their customers’ deposits, thereby profiting on jumbo mortgages, even when the mortgage is offered at a low rate. However, keep in mind that rates paid on deposits will someday rise again. Banks are promoting jumbo ARMs whose rates will rise when rates paid on deposits go up. The most popular jumbos are 5/1 ARMs, which have an introductory rate that lasts five years; then adjust annually thereafter.
Income requirements are high
Lenders of jumbo mortgages take a risk. If a jumbo mortgage loan defaults, it can be hard to sell the property quickly for a good price. Luxury properties are generally more subject to the vagaries of the marketplace than are ordinary properties. Therefore, borrowers taking a jumbo mortgage must prove their financial responsibility and reliability
Having a high income demonstrates an ability to support mortgage payments. In order to qualify for a jumbo mortgage, you will have to have a low debt-to-income ratio that allows you comfortably to pay the principal, interest, taxes and insurance each month. As a rule, your monthly mortgage payment on a jumbo loan should not exceed 38 percent of your pre-tax income.
Be prepared to present proof of your income. Jumbo borrowers typically have to fully document two years of income history. Show your shining credit score  A good credit score is essential to qualify for a jumbo mortgage. Required scores vary according to lender, but expect to need a score of at least 720. Be aware that lenders will look at credit reports from all three major credit bureaus, so any history of missed payments is sure to impact.  Down payment requirements are demanding  Again, due to the risk the lender takes, down payment requirements for jumbo loans are strict. It is rare to find a lender who will accept less than 20 percent of the home cost as a down payment. Many lenders expect at least 30 percent, especially for very expensive properties.
Not all properties qualify  Although each lender is different, many will not offer jumbo loans on vacation homes and investment properties. Refinancing a jumbo loan can be problematic in a weak economy. If house prices fall, borrowers of jumbo loans might suddenly find that they do not have 20 percent equity in their homes. Thus, they do not qualify to refinance.
Joel Lobb (NMLS#57916)Senior  Loan Officer
502-905-3708 cell
502-813-2795 fax
jlobb@keyfinllc.comKey Financial Mortgage Co. (NMLS #1800)*
107 South Hurstbourne Parkway*
Louisville, KY 40222*

2013 First Time Home Buyer Mortgage Loans in Louisville Kentucky


To get a First time home buyer loan in Louisville Kentucky in 2013, you will need to look at these following three first time home buyer loans program in Louisville.

Louisville Ky First Time Home Buyer Loan

1. Louisville KY FHA Loan Program-This program allows for 3.5% down payment and low 30  30 year fixed rate loans currently. The minimum credit score for a Louisville KY FHA loan with us is 640. You have three scores, and we take the middle credit score.

The down payment can be saved or gifted from a family member, or borrowed from a 401k loan . The 3.5% down payment cannot be borrowed from a lending instiution or off a credit card.

The current debt to income ratios for a Louisville KY FHA loan is 31% and 43%. This means  that your current house payment, with taxes and insurance included, cannot be more than 31% of your gross monthly income. The 43% means the new house payment and total debts on credit report along with child support or 401k loans.

For example if you made 4k gross a month, the maximum house payment would be $1240 piti, and the maximum total bills outstanding each month, including new house payment would be $1720.00

There are some compensating factors that will allow for a higher house payment if you have  good credit scores (740 score or higher) and a large down payment. (more than the minimum 3.5% down payment)

If you have had a bankruptcy or foreclosure in the past, you will have to need be out of the  bankruptcy for at least 2 years with good reestablished credit and a foreclosure must be 3 years from the when the masters commissioners deed was filed at courthouse.

2. Fannie Mae Loan Program -This requires 5% down, and it must be from your own saved funds, no gifted funds from family members. The 30 year fixed rate is a little higher than the FHA loan, but the mortgage insurance is much cheaper. If you have a credit score of 740 or higher, and can put down the 5%, this is better program for you due to lower monthly payments and less upfront and monthly mortgage insurance.

Most lenders will want a 680 credit score, with less than 20% down, and the seasoning for foreclosures and bankruptcies are much tougher than the FHA loan program.

Fannie Mae will require 5 years or more on a foreclosure, and 4 years on a bankruptcy.

The debt to income ratios are a little tougher too, with them being at 35% and 45% respectively.

3. Louisvile Kentucky VA Loan Program -This requires no down payment, but you must be a qualified veteran or active duty military to participate in the program. The current minimum credit score is 620, with no bankruptcies or foreclosures in the last 2 years.

The maximum debt to income ratio is usually set at 41%, but can go higher with compensating factors, such as over 740 credit score, large down payment, or high residual income. The residual income is set by each region, and you can clink the link below for more info about this .http://kentuckyvaloan.com

 502 905 3708
kentuckyloan@gmail.com
NMLS #57916
Jo

Bullitt County Kentucky USDA Home Loan and Rural Housing Loans for Bullitt County KY


Bullitt County USDA Loan Adjusted Maximum Income Limits by County
Updated 10/24/2012

County Name     1-4 Person Households
(Guaranteed Loans)
5-8 Person Households 
(Guaranteed Loans)
LOUISVILLE-JEFFERON COUNTY, KY-IN (MSA) BULLITT $74,750 $98,650
Bullitt Bullitt County Area
Bullitt County Overview
Bullitt County Map 1
Bullitt County Map 2
Bullitt County Map 3
Bullitt County Map 4
Bullitt County Map 5 
Bullitt County Map 6
Bullitt County Map 7
 

Overview Map of Bullitt Ineligible area

Fill out the Application on this page, or call one of our certified USDA loan agents at 502-905-3708 and find out if you’re eligible.

Joel Lobb (NMLS#57916)
Senior  Loan Officer
502-905-3708 cell
502-813-2795 fax
jlobb@keyfinllc.comKey Financial Mortgage Co. (NMLS #1800)*
107 South Hurstbourne Parkway*
Louisville, KY 40222*

FHA, VA, USDA Loans are available in the following zip codes in Kentucky


 Aberdeen-KY-42201.html  28-Aug-2006 12:17    44k  
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[TXT] Adams-KY-41201.html     28-Aug-2006 12:17    44k  
[TXT] Adolphus-KY-42120.html  28-Aug-2006 12:17    44k  
[TXT] Ages-Brookside-KY-40..> 28-Aug-2006 12:17    44k  
[TXT] Albany-KY-42602.html    28-Aug-2006 12:17    44k  
[TXT] Alexandria-KY-41001...> 28-Aug-2006 12:17    44k  
[TXT] Allegre-KY-42203.html   28-Aug-2006 12:17    44k  
[TXT] Allen-KY-41601.html     28-Aug-2006 12:17    44k  
[TXT] Allensville-KY-42204..> 28-Aug-2006 12:17    44k  
[TXT] Almo-KY-42020.html      28-Aug-2006 12:17    44k  
[TXT] Alpha-KY-42603.html     28-Aug-2006 12:17    44k  
[TXT] Alvaton-KY-42122.html   28-Aug-2006 12:18    44k  
[TXT] Annville-KY-40402.html  28-Aug-2006 12:18    44k  
[TXT] Argillite-KY-41121.html 28-Aug-2006 12:18    44k  
[TXT] Arjay-KY-40902.html     28-Aug-2006 12:18    44k  
[TXT] Arlington-KY-42021.html 28-Aug-2006 12:18    44k  
[TXT] Artemus-KY-40903.html   28-Aug-2006 12:18    44k  
[TXT] Ary-KY-41712.html       28-Aug-2006 12:18    44k  
[TXT] Ashcamp-KY-41512.html   28-Aug-2006 12:18    44k  
[TXT] Asher-KY-40803.html     28-Aug-2006 12:18    44k  
[TXT] Ashland-KY-41101.html   28-Aug-2006 12:18    44k  
[TXT] Ashland-KY-41102.html   28-Aug-2006 12:18    44k  
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[TXT] Ashland-KY-41114.html   28-Aug-2006 12:18    44k  
[TXT] Athol-KY-41307.html     28-Aug-2006 12:18    44k  
[TXT] Auburn-KY-42206.html    28-Aug-2006 12:18    44k  
[TXT] Augusta-KY-41002.html   28-Aug-2006 12:18    44k  
[TXT] Austin-KY-42123.html    28-Aug-2006 12:18    44k  
[TXT] Auxier-KY-41602.html    28-Aug-2006 12:18    44k  
[TXT] Avawam-KY-41713.html    28-Aug-2006 12:18    44k  
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[TXT] Bakerton-KY-42711.html  28-Aug-2006 12:18    44k  
[TXT] Bandana-KY-42022.html   28-Aug-2006 12:18    44k  
[TXT] Banner-KY-41603.html    28-Aug-2006 12:18    44k  
[TXT] Barbourville-KY-4090..> 28-Aug-2006 12:18    44k  
[TXT] Bardstown-KY-40004.html 28-Aug-2006 12:18    44k  
[TXT] Bardwell-KY-42023.html  28-Aug-2006 12:18    44k  
[TXT] Barlow-KY-42024.html    28-Aug-2006 12:18    44k  
[TXT] Baskett-KY-42402.html   28-Aug-2006 12:19    44k  
[TXT] Battletown-KY-40104...> 28-Aug-2006 12:19    44k  
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[TXT] Bays-KY-41310.html      28-Aug-2006 12:19    44k  
[TXT] Bear-Branch-KY-41714..> 28-Aug-2006 12:19    44k  
[TXT] Beattyville-KY-41311..> 28-Aug-2006 12:19    44k  
[TXT] Beaumont-KY-42124.html  28-Aug-2006 12:19    44k  
[TXT] Beauty-KY-41203.html    28-Aug-2006 12:19    44k  
[TXT] Beaver-Dam-KY-42320...> 28-Aug-2006 12:19    44k  
[TXT] Beaver-KY-41604.html    28-Aug-2006 12:19    44k  
[TXT] Bedford-KY-40006.html   28-Aug-2006 12:19    44k  
[TXT] Bee-Spring-KY-42207...> 28-Aug-2006 12:19    44k  
[TXT] Beech-Creek-KY-42321..> 28-Aug-2006 12:19    44k  
[TXT] Beech-Grove-KY-42322..> 28-Aug-2006 12:19    44k  
[TXT] Beechmont-KY-42323.html 28-Aug-2006 12:19    44k  
[TXT] Belcher-KY-41513.html   28-Aug-2006 12:19    44k  
[TXT] Belfry-KY-41514.html    28-Aug-2006 12:19    44k  
[TXT] Bellevue-KY-41073.html  28-Aug-2006 12:19    44k  
[TXT] Belton-KY-42324.html    28-Aug-2006 12:19    44k  
[TXT] Benham-KY-40807.html    28-Aug-2006 12:19    44k  
[TXT] Benton-KY-42025.html    28-Aug-2006 12:19    44k  
[TXT] Berea-KY-40403.html     28-Aug-2006 12:19    44k  
[TXT] Berea-KY-40404.html     28-Aug-2006 12:19    44k  
[TXT] Berry-KY-41003.html     28-Aug-2006 12:19    44k  
[TXT] Bethany-KY-41313.html   28-Aug-2006 12:19    44k  
[TXT] Bethelridge-KY-42516..> 28-Aug-2006 12:20    44k  
[TXT] Bethlehem-KY-40007.html 28-Aug-2006 12:20    44k  
[TXT] Betsy-Layne-KY-41605..> 28-Aug-2006 12:20    44k  
[TXT] Beverly-KY-40913.html   28-Aug-2006 12:20    44k  
[TXT] Bevinsville-KY-41606..> 28-Aug-2006 12:20    44k  
[TXT] Big-Clifty-KY-42712...> 28-Aug-2006 12:20    44k  
[TXT] Big-Creek-KY-40914.html 28-Aug-2006 12:20    44k  
[TXT] Big-Laurel-KY-40808...> 28-Aug-2006 12:20    44k  
[TXT] Bighill-KY-40405.html   28-Aug-2006 12:20    44k  
[TXT] Bimble-KY-40915.html    28-Aug-2006 12:20    44k  
[TXT] Blackey-KY-41804.html   28-Aug-2006 12:20    44k  
[TXT] Blackford-KY-42403.html 28-Aug-2006 12:20    44k  
[TXT] Blaine-KY-41124.html    28-Aug-2006 12:20    44k  
[TXT] Bledsoe-KY-40810.html   28-Aug-2006 12:20    44k  
[TXT] Bloomfield-KY-40008...> 28-Aug-2006 12:20    44k  
[TXT] Blue-River-KY-41607...> 28-Aug-2006 12:20    44k  
[TXT] Boaz-KY-42027.html      28-Aug-2006 12:20    44k  
[TXT] Bonnieville-KY-42713..> 28-Aug-2006 12:20    44k  
[TXT] Bonnyman-KY-41719.html  28-Aug-2006 12:20    44k  
[TXT] Booneville-KY-41314...> 28-Aug-2006 12:20    44k  
[TXT] Boons-Camp-KY-41204...> 28-Aug-2006 12:20    44k  
[TXT] Boston-KY-40107.html    28-Aug-2006 12:20    44k  
[TXT] Bowling-Green-KY-421..> 28-Aug-2006 12:20    44k  
[TXT] Bowling-Green-KY-421..> 28-Aug-2006 12:20    44k  
[TXT] Bowling-Green-KY-421..> 28-Aug-2006 12:20    44k  
[TXT] Bowling-Green-KY-421..> 28-Aug-2006 12:20    44k  
[TXT] Bradfordsville-KY-40..> 28-Aug-2006 12:21    44k  
[TXT] Brandenburg-KY-40108..> 28-Aug-2006 12:21    44k  
[TXT] Breeding-KY-42715.html  28-Aug-2006 12:21    44k  
[TXT] Bremen-KY-42325.html    28-Aug-2006 12:21    44k  
[TXT] Brodhead-KY-40409.html  28-Aug-2006 12:21    44k  
[TXT] Bronston-KY-42518.html  28-Aug-2006 12:21    44k  
[TXT] Brooklyn-KY-42209.html  28-Aug-2006 12:21    44k  
[TXT] Brooks-KY-40109.html    28-Aug-2006 12:21    44k  
[TXT] Brooksville-KY-41004..> 28-Aug-2006 12:21    44k  
[TXT] Browder-KY-42326.html   28-Aug-2006 12:21    44k  
[TXT] Brownsville-KY-42210..> 28-Aug-2006 12:21    44k  
[TXT] Bryants-Store-KY-409..> 28-Aug-2006 12:21    44k  
[TXT] Bryantsville-KY-4041..> 28-Aug-2006 12:21    44k  
[TXT] Buckhorn-KY-41721.html  28-Aug-2006 12:21    44k  
[TXT] Buckner-KY-40010.html   28-Aug-2006 12:21    44k  
[TXT] Buffalo-KY-42716.html   28-Aug-2006 12:21    44k  
[TXT] Bulan-KY-41722.html     28-Aug-2006 12:21    44k  
[TXT] Burdine-KY-41517.html   28-Aug-2006 12:21    44k  
[TXT] Burgin-KY-40310.html    28-Aug-2006 12:21    44k  
[TXT] Burkesville-KY-42717..> 28-Aug-2006 12:21    44k  
[TXT] Burlington-KY-41005...> 28-Aug-2006 12:21    44k  
[TXT] Burna-KY-42028.html     28-Aug-2006 12:21    44k  
[TXT] Burnside-KY-42519.html  28-Aug-2006 12:21    44k  
[TXT] Bush-KY-40724.html      28-Aug-2006 12:21    44k  
[TXT] Busy-KY-41723.html      28-Aug-2006 12:21    44k  
[TXT] Butler-KY-41006.html    28-Aug-2006 12:21    44k  
[TXT] Bypro-KY-41612.html     28-Aug-2006 12:21    44k  
[TXT] Cadiz-KY-42211.html     28-Aug-2006 12:22    44k  
[TXT] Calhoun-KY-42327.html   28-Aug-2006 12:22    44k  
[TXT] California-KY-41007...> 28-Aug-2006 12:22    44k  
[TXT] Calvert-City-KY-4202..> 28-Aug-2006 12:22    44k  
[TXT] Calvin-KY-40813.html    28-Aug-2006 12:22    44k  
[TXT] Camp-Dix-KY-41127.html  28-Aug-2006 12:22    44k  
[TXT] Campbellsburg-KY-400..> 28-Aug-2006 12:22    44k  
[TXT] Campbellsville-KY-42..> 28-Aug-2006 12:22    44k  
[TXT] Campbellsville-KY-42..> 28-Aug-2006 12:22    44k  
[TXT] Campton-KY-41301.html   28-Aug-2006 12:22    44k  
[TXT] Canada-KY-41519.html    28-Aug-2006 12:22    44k  
[TXT] Cane-Valley-KY-42720..> 28-Aug-2006 12:22    44k  
[TXT] Caneyville-KY-42721...> 28-Aug-2006 12:22    44k  
[TXT] Canmer-KY-42722.html    28-Aug-2006 12:22    44k  
[TXT] Cannel-City-KY-41408..> 28-Aug-2006 12:22    44k  
[TXT] Cannon-KY-40923.html    28-Aug-2006 12:22    44k  
[TXT] Carlisle-KY-40311.html  28-Aug-2006 12:22    44k  
[TXT] Carrie-KY-41725.html    28-Aug-2006 12:22    44k  
[TXT] Carrollton-KY-41008...> 28-Aug-2006 12:22    44k  
[TXT] Carter-KY-41128.html    28-Aug-2006 12:22    44k  
[TXT] Catlettsburg-KY-4112..> 28-Aug-2006 12:22    44k  
[TXT] Cave-City-KY-42127.html 28-Aug-2006 12:22    44k  
[TXT] Cawood-KY-40815.html    28-Aug-2006 12:22    44k  
[TXT] Cecilia-KY-42724.html   28-Aug-2006 12:22    44k  
[TXT] Center-KY-42214.html    28-Aug-2006 12:22    44k  
[TXT] Centertown-KY-42328...> 28-Aug-2006 12:22    44k  
[TXT] Central-City-KY-4233..> 28-Aug-2006 12:23    44k  
[TXT] Cerulean-KY-42215.html  28-Aug-2006 12:23    44k  
[TXT] Chaplin-KY-40012.html   28-Aug-2006 12:23    44k  
[TXT] Chappell-KY-40816.html  28-Aug-2006 12:23    44k  
[TXT] Chavies-KY-41727.html   28-Aug-2006 12:23    44k  
[TXT] Cisco-KY-41410.html     28-Aug-2006 12:23    44k  
[TXT] Clarkson-KY-42726.html  28-Aug-2006 12:23    44k  
[TXT] Clay-City-KY-40312.html 28-Aug-2006 12:23    44k  
[TXT] Clay-KY-42404.html      28-Aug-2006 12:23    44k  
[TXT] Clayhole-KY-41317.html  28-Aug-2006 12:23    44k  
[TXT] Clearfield-KY-40313...> 28-Aug-2006 12:23    44k  
[TXT] Cleaton-KY-42332.html   28-Aug-2006 12:23    44k  
[TXT] Clermont-KY-40110.html  28-Aug-2006 12:23    44k  
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What is P.I.T.I


What is P.I.T.I?.

 

What is P.I.T.I?

September 17, 2012

When you’re buying or selling a house, there are many terms that come up. Though your local REALTOR can guide you through much of the terminology, there are some terms that you should be familiar with, and PITI is one of them. You will see PITI associated with your loan documents and mortgage paperwork. The following is an explanation of the term and the meaning of each of its letters.

P is for Principal
The principal is the total base amount of money that you are borrowing to buy your home. The principal is generally the biggest portion of the PITI figure.

I is for Interest
Whenever you borrow money or pay on credit, you have to pay an interest charge. The interest is usually calculated as a percentage and appears as an amount on the PITI breakdown. Depending on the deal you have, the interest rate can stay fixed for the term of the loan or it can be variable.

 T is for Taxes
Taxation is one of the eternal certainties of life! Taxes involved with home ownership typically go to governments at the local level to pay for public services. The tax amounts are typically included with the monthly mortgage prorated. The lender pays the tax on your behalf to the local government.

The other I is for Insurance
Your home is one of the biggest investments you will make, and a homeowner’s insurance policy is vital for your financial well-being. There are various policies from which you can select, but the choices available to you depend on how much money you put down on your property. If you make a down payment of less than 20%, lenders require that you purchase private mortgage insurance (PMI).  This protects the lender in the event of loan default or foreclosure. Similar to the way it is with taxes, these payments are generally added into your total mortgage payment.