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How To Remove Mortgage Insurance (MI or PMI)

How To Remove Mortgage Insurance (MI or PMI)

This video explains how to remove mortgage insurance from your conventional Fannie Mae or Freddie Mac mortgage. It includes notes on lender paid and borrower paid mortgage insurance.  You can read The Homeowners Protection Act of 1998 in its entirety....

Get pre-approved before you shop!

Get pre-approved before you shop!

In 2005 we had a joke in the mortgage industry that the only qualification a borrower needed was the ability to fog a mirror.  It was basically true.  As true as that was 8 years ago, the opposite is true today.  No matter how qualified you think you are, our...

FHA Proposes Limiting Seller Concessions from 6% to 3%

FHA Proposes Limiting Seller Concessions from 6% to 3%

This dates back to the summer of 2010, but it looks like the wheels are in motion to implement a change. The bad news is that there will be a new lower cap on seller concessions (seller contributions). The good news is that it will not be a hard reduction in seller...

FHA Underwriting Changes

FHA Underwriting Changes

FHA just released a new mortgagee letter 12-03 which has 3 important changes: Self Employed:  Highlight:  P&L and balance sheet required if it has been more than 3 months since the end of the last tax year that we have returns for.  Translated:  nearly 100%...

FHA MIPs Increasing On April 1, 2012

FHA MIPs Increasing On April 1, 2012

If you are considering purchasing a home using an FHA loan, you best move quickly. For FHA case numbers assigned on or after April 1st, 2012 there will be two increases in MIP. The first increase is due to our friendly politicians in Washington applying a payroll tax...

Atlanta Mortgage Lender

Atlanta Mortgage Lender

Our Team World-class service. No hassle closings. Expert advice. Unbeatable rates. The Ryan Mortgage Team at Fairway Independent Mortgage is comprised of mortgage experts who are there to provide you with intelligent answers in a timely manner. We are a mortgage...

FHA 203k Streamline Renovation FAQ

FHA 203k Streamline Renovation FAQ

What is a Streamlined (k) loan? A Streamlined (k) is a limited repair program offered by FHA. Repairs may be no less than $5000 and total funds required, including contingency fund and required fees associated with the program, may not exceed $35,000. The program...

5 tips and tricks for getting your FHA downpayment

5 tips and tricks for getting your FHA downpayment

Having trouble coming up with the 3.5% down payment required for your FHA loan? Still fruitlessly searching for someone who will loan you the money for your tax credit up front? Take heart. We have used our experience to determine the five easiest ways to get your...