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FHA Fees Going Up (and Down)
HOW LOANRATEUPDATE WORKS
READ OUR DISCLOSURE
FILL OUT THE FORM
It all starts here. Select the loan product you want to apply for and complete the subsequent questionnaire.
WE VERIFY & TRANSMIT TO LENDERS
Once we receive your completed questionnaire we verify a couple vital pieces of information and direct your information to our network of lenders, all within minutes.
REVIEW YOUR OFFERS
With offers in hand you can now compare rates and costs and get the best possible deal. Comparison shopping made easy. You fill out one form and lenders compete for your business.
CHOOSE YOUR LENDER
Congratulations! With the great learning tools we provide for you at LoanRateUpdate and the offers you have received, you've found the right product and the best rate.
READY TO SPEAK TO A PROFESSIONAL?
LOANRATEUPDATE IS NOT A LENDER OR A BROKER BUT WE HAVE LOTS OF FRIENDS WHO ARE
Pick the service you desire below
FHA Fees Going Up (and Down)
HOW LOANRATEUPDATE WORKS
READ OUR DISCLOSURE
FILL OUT THE FORM
It all starts here. Select the loan product you want to apply for and complete the subsequent questionnaire.
WE VERIFY & TRANSMIT TO LENDERS
Once we receive your completed questionnaire we verify a couple vital pieces of information and direct your information to our network of lenders, all within minutes.
REVIEW YOUR OFFERS
With offers in hand you can now compare rates and costs and get the best possible deal. Comparison shopping made easy. You fill out one form and lenders compete for your business.
CHOOSE YOUR LENDER
Congratulations! With the great learning tools we provide for you at LoanRateUpdate and the offers you have received, you've found the right product and the best rate.
LOANRATEUPDATE IS NOT A LENDER OR A BROKER BUT WE HAVE LOTS OF FRIENDS WHO ARE
Pick the service you desire below
FHA Fees Going Up (and Down)

April 9, 2012 (Chris Moore)

Getting a mortgage loan insured by the Federal Housing Administration (FHA) just got a little more expensive today as new fees designed to help replenish the agency’s depleted reserves kick in today according to the Department of Housing and Urban Development (HUD)

The new fees include a higher upfront insurance premium charge, rising from one percent to 1.75 percent, and an increase of 10 basis points for annual mortgage insurance premiums.

Additionally, on June 1, 2011, the FHA is also raising the annual mortgage insurance premiums for loans over $625,000 an additional 25 basis points.

The FHA projects that the additional fees will contribute over $1 billion to its Mutual Mortgage Insurance (MMI) Fund which has been depleted by the large number of home owners who have defaulted on their mortgages.

However, the 10 basis point increase in the annual insurance premium won’t go into the FHA’s coffers, it’s part of the Temporary Payroll Tax Cut Continuation Act of 2011, the federal government’s way of giving new FHA borrowers the privilege of paying for the one-year reduction in Social Security Payroll taxes.

The good news is current FHA borrowers who took their loans out on or before May 31, 2009, and who wish to refinance their homes through the FHA’s streamline program will get a reduction in their fees.

Beginning June 11, 2012, the FHA will lower its upfront insurance premium to just .01 percent and reduce its annual premium to .55 percent. In order to qualify, borrowers must have made all of their last 12 payments.

Tags: FHA, HUD, mortgage loan, fees, insurance premium, upfront fees, mortgage insurance

Source:
HUD

INSIDER CAR BUYING TIPS
What's the four square system? How much is your trade-in really worth and why those payments really do seem a little higher than you thought.
BUYING VS LEASING
There's both advantages and disadvantages to leasing and buying depending on what you're planning to use your car for and how long you plan on keeping it.
DEALER OR BANK FINANCING
Sure that low interest dealer financing sounds really attractive but there's a price to be paid for that. We spill the beans as to why getting your own financing may save you money.
BUYING ON THE INTERNET
Buying a car at a dealership hasn't changed much through the years but doing your research on the internet can you save you a lot of time and most importantly, a lot of money.
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Buying a home is a big decision. If you are not prepared, the decisions you make, the questions you don’t ask, and the details you miss could cost you thousands – in price, fees, financing, property issues, and home repairs.
HOME SELLING TIPS
If you are thinking of selling your home, chances are you’re caught up in a mass of emotions. Needs change and although you may be looking forward to this new adventure, you'll probably find yourself reluctant to leave your memories behind and face the overwhelming task of selling your home and moving.
SEARCH FOR A HOME
Home loans can be confusing. There's a lot of options and we provide the information that makles it simple. Don't sign on that dotted line until you know. It could cost you.
FIND THE CREDIT CARD THAT'S RIGHT FOR YOU
THERE'S A CREDIT CARD FOR VIRTUALLY ANY SITUATION. FIND YOURS.
YOU'VE WORKED HARD TO BUILD YOUR DREAM

LEARN ABOUT THE LOAN OPTIONS AVAILABLE TO EXPAND YOUR BUSINESS

April 9, 2012 (Chris Moore)

Getting a mortgage loan insured by the Federal Housing Administration (FHA) just got a little more expensive today as new fees designed to help replenish the agency’s depleted reserves kick in today according to the Department of Housing and Urban Development (HUD)

The new fees include a higher upfront insurance premium charge, rising from one percent to 1.75 percent, and an increase of 10 basis points for annual mortgage insurance premiums.

Additionally, on June 1, 2011, the FHA is also raising the annual mortgage insurance premiums for loans over $625,000 an additional 25 basis points.

The FHA projects that the additional fees will contribute over $1 billion to its Mutual Mortgage Insurance (MMI) Fund which has been depleted by the large number of home owners who have defaulted on their mortgages.

However, the 10 basis point increase in the annual insurance premium won’t go into the FHA’s coffers, it’s part of the Temporary Payroll Tax Cut Continuation Act of 2011, the federal government’s way of giving new FHA borrowers the privilege of paying for the one-year reduction in Social Security Payroll taxes.

The good news is current FHA borrowers who took their loans out on or before May 31, 2009, and who wish to refinance their homes through the FHA’s streamline program will get a reduction in their fees.

Beginning June 11, 2012, the FHA will lower its upfront insurance premium to just .01 percent and reduce its annual premium to .55 percent. In order to qualify, borrowers must have made all of their last 12 payments.

Tags: FHA, HUD, mortgage loan, fees, insurance premium, upfront fees, mortgage insurance

Source:
HUD

HOME LOANS CAN BE CONFUSING
YOU'VE GOT QUESTIONS
WE MAKE IT SIMPLE
WE'VE GOT ANSWERS
INSIDER CAR BUYING TIPS
What's the four square system? How much is your trade-in really worth and why those payments really do seem a little higher than you thought.
BUYING VS LEASING
There's both advantages and disadvantages to leasing and buying depending on what you're planning to use your car for and how long you plan on keeping it.
DEALER OR BANK FINANCING
Sure that low interest dealer financing sounds really attractive but there's a price to be paid for that. We spill the beans as to why getting your own financing may save you money.
BUYING ON THE INTERNET
Buying a car at a dealership hasn't changed much through the years but doing your research on the internet can you save you a lot of time and most importantly, a lot of money.
THINKING OF BUYING
A NEW CAR?

WE GIVE YOU THE INSIDE TIPS THAT
COULD SAVE YOU THOUSANDS.
AUTO LOAN CALCULATOR
Calculate how much you can afford
BUYING OR SELLING A HOME
IS A BIG DECISION
WE MAKE IT EASIER
HOME BUYING TIPS
Buying a home is a big decision. If you are not prepared, the decisions you make, the questions you don’t ask, and the details you miss could cost you thousands – in price, fees, financing, property issues, and home repairs.
HOME SELLING TIPS
If you are thinking of selling your home, chances are you’re caught up in a mass of emotions. Needs change and although you may be looking forward to this new adventure, you'll probably find yourself reluctant to leave your memories behind and face the overwhelming task of selling your home and moving.
SEARCH FOR A HOME
Home loans can be confusing. There's a lot of options and we provide the information that makles it simple. Don't sign on that dotted line until you know. It could cost you.
FIND THE CREDIT CARD THAT'S RIGHT FOR YOU
THERE'S A CREDIT CARD FOR VIRTUALLY ANY SITUATION. FIND YOURS.
YOU'VE WORKED HARD TO BUILD YOUR DREAM

LEARN ABOUT THE LOAN OPTIONS AVAILABLE TO EXPAND YOUR BUSINESS

April 9, 2012 (Chris Moore)

Getting a mortgage loan insured by the Federal Housing Administration (FHA) just got a little more expensive today as new fees designed to help replenish the agency’s depleted reserves kick in today according to the Department of Housing and Urban Development (HUD)

The new fees include a higher upfront insurance premium charge, rising from one percent to 1.75 percent, and an increase of 10 basis points for annual mortgage insurance premiums.

Additionally, on June 1, 2011, the FHA is also raising the annual mortgage insurance premiums for loans over $625,000 an additional 25 basis points.

The FHA projects that the additional fees will contribute over $1 billion to its Mutual Mortgage Insurance (MMI) Fund which has been depleted by the large number of home owners who have defaulted on their mortgages.

However, the 10 basis point increase in the annual insurance premium won’t go into the FHA’s coffers, it’s part of the Temporary Payroll Tax Cut Continuation Act of 2011, the federal government’s way of giving new FHA borrowers the privilege of paying for the one-year reduction in Social Security Payroll taxes.

The good news is current FHA borrowers who took their loans out on or before May 31, 2009, and who wish to refinance their homes through the FHA’s streamline program will get a reduction in their fees.

Beginning June 11, 2012, the FHA will lower its upfront insurance premium to just .01 percent and reduce its annual premium to .55 percent. In order to qualify, borrowers must have made all of their last 12 payments.

Tags: FHA, HUD, mortgage loan, fees, insurance premium, upfront fees, mortgage insurance

Source:
HUD

HOME LOANS CAN BE CONFUSING
YOU'VE GOT QUESTIONS
WHAT TYPE OF MORTGAGE LOANS ARE AVAILABLE?
DO I QUALIFY FOR A GOVERNMENT INSURED LOAN?
WHAT CAN I EXPECT FOR A MORTGAGE INTEREST RATE?
WE MAKE IT SIMPLE
WE'VE GOT ANSWERS
CALCULATE YOUR MORTGAGE PAYMENT
BENEFITS OF REFINANCING YOUR MORTGAGE
ADVANTAGES OF GETTING PRE-APPROVED FOR A LOAN
THINKING OF BUYING
A NEW CAR?

WE GIVE YOU THE INSIDE TIPS THAT
COULD SAVE YOU THOUSANDS.
INSIDER CAR BUYING TIPS
What's the four square system? How much is your trade-in really worth and why those payments really do seem a little higher than you thought.
BUYING VS LEASING
There's both advantages and disadvantages to leasing and buying depending on what you're planning to use your car for and how long you plan on keeping it.
DEALER OR BANK FINANCING
Sure that low interest dealer financing sounds really attractive but there's a price to be paid for that. We spill the beans as to why getting your own financing may save you money.
BUYING ON THE INTERNET
Buying a car at a dealership hasn't changed much through the years but doing your research on the internet can you save you a lot of time and most importantly, a lot of money.
AUTO LOAN CALCULATOR
Calculate how much you can afford
BUYING OR SELLING A HOME IS A BIG DECISION
WE MAKE IT EASIER
HOME BUYING TIPS
Buying a home is a big decision. If you are not prepared, the decisions you make, the questions you don’t ask, and the details you miss could cost you thousands – in price, fees, financing, property issues, and home repairs.
SEARCH FOR A HOME
Home loans can be confusing. There's a lot of options and we provide the information that makes it simple. Don't sign on that dotted line until you know. It could cost you.
FIND THE CREDIT CARD THAT'S RIGHT FOR YOU
THERE'S A CREDIT CARD FOR VIRTUALLY ANY SITUATION. FIND YOURS.
YOU'VE WORKED HARD TO BUILD YOUR DREAM

LEARN ABOUT THE LOAN OPTIONS AVAILABLE TO EXPAND YOUR BUSINESS

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