Loan Tips and Advice
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California Home Values Are Falling: Can There Be an Upside?
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Today's Featured Article
A Home Loan to Help You Sell or Buy Your Fixer-UpperBy Sheryl Landrum
Home Worth Columnist
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Almost 60% of homes purchased today are bank-owned. While the house price may seem appealing, usually the repairs and TLC needed to bring the house into decent shape or market value can be prohibitive for many would-be home buyers or home sellers. Now, however, a little-known home loan may just help home buying and home selling become that much easier.
Streamline K Home LoansThe Streamline K home loan is a faster version of the FHA's home-rehabilitation loan product, 203(k). As with all FHA loans, the government insures the lenders who make them against loss should a home loan go into default. What this loan offers home buyers is the ability to add up to $35,000 to the home loan for necessary repairs or renovations to your fixer-upper. What it means to home sellers is the ability to refinance and use the $35,000 to make the necessary repairs and improvements to make your home more attractive to would-be buyers. So, what do you need to know?
Streamline K Home Loan BasicsWhether you are buying or selling a home and using a Streamline K home loan, here are the basics:
- As in all FHA home loans, mortgage limits max out at $729,750 until the end of 2008.
- FHA underwriting guidelines are followed.
- The program is designed for repairs that are minor and non-structural. However, you are allowed to repair the roof, plumbing, electrical, buy new appliances etc.
- You are not allowed to do room additions and site improvements such as landscaping your yard.
- Home repairs need to be completed in less than six months and no more than two contractors can be used.
- If the work cost exceeds $l5,000, a final inspection is required by the lender.
- Even if you are a contractor, you cannot be paid for work done to your own home.
The San Diego Union Tribune, Sunday, July 19, 2008, Uncle Sam's Little-Known Loans Worth a Second Look, by Lew Sichelman
About the Author
Sheryl Landrum is a Senior Loan Officer with First Capital Mortgage of San Diego at the Prudential Realty Office in Bonsall, California.