{"id":1944,"date":"2016-03-17T16:07:37","date_gmt":"2016-03-17T16:07:37","guid":{"rendered":"http:\/\/thehoneybeehomes.com\/home\/?p=1944"},"modified":"2016-03-17T16:07:37","modified_gmt":"2016-03-17T16:07:37","slug":"what-to-look-for-in-a-grand-rapids-mortgage","status":"publish","type":"post","link":"https:\/\/thehoneybeehomes.com\/home\/what-to-look-for-in-a-grand-rapids-mortgage\/","title":{"rendered":"What to Look For in a Grand Rapids Mortgage"},"content":{"rendered":"

\"Book\"<\/a>If you’re just starting the home buying process, or it’s been a while since you purchased a house,\u00a0mortgages can seem pretty scary. \u00a0What kinds of home loans are available? \u00a0What is an ARM, and why does it matter? \u00a0What is the difference between an FHA, VA, and USDA\/RD loan?<\/p>\n

(Also, what’s with all of these letters? Did someone knock\u00a0over a scrabble board?) \u00a0<\/em><\/p>\n

Fortunately, Grand Rapids mortgages aren’t rocket science. \u00a0So what do you need to know, and what should you look out for?<\/p>\n

1. \u00a0Fixed Rate vs. Adjustable Rate Mortgages<\/strong><\/p>\n

Let’s start with the difference between a fixed-rate home loan and an adjustable rate mortgage (ARM).<\/p>\n

First, understand that mortgage terms are long. \u00a0They are usually 10, 15, or 30 year agreements to pay back the loan, and you\u00a0are charged interest until the mortgage\u00a0is paid off.<\/p>\n

\"Paper\"<\/a>
\nWith a fixed-rate loan, the interest will stay constant. \u00a0So, if you agree to a 5% interest rate, you will pay the same amount in\u00a0Year 1, Year 12, and Year 27. \u00a0Your rate cannot go up.<\/p>\n

However, with an adjustable loan, your rate\u00a0can (and likely will) change over time.<\/p>\n

Most ARMs\u00a0are fixed for a set period of time. \u00a0For instance, if you have a 5\/1 ARM, you will have a fixed rate for the first 5 years. \u00a0However, after that, it may change every year.<\/p>\n

As an example, if you start with a 5% interest rate now, you will have that same rate in Years 1, 2, 3, 4, and 5. \u00a0But in Year 6, it could rise to 6%, or fall to 4%. \u00a0In Year 7, it could jump to 8%, or go back to 5%.<\/p>\n

ARMs usually offer lower initial interest rates, but you don’t get as much certainty in your loan terms. \u00a0You have to determine which\u00a0option is best for you.<\/p>\n

As of this writing, in March of 2016, interest rates are relatively low for a Grand Rapids mortgage. \u00a0As a result, you may want to lock in current rates, since they are likely to rise in the future. \u00a0To compare today’s rates to previous years, see this historical chart<\/a>.<\/p>\n

\"Bank\"<\/a>2. Conventional vs. Government-Insured\u00a0Loans\u00a0<\/strong><\/p>\n

Conventional mortgages are loans offered by financial institutions (such as banks and credit unions). \u00a0The terms vary based on the market, but traditionally, they require a larger down payment (10% – 20% is common).<\/p>\n

These loans are not subject to any additional government\u00a0requirements, such as income limits, geographical area, or veteran status. \u00a0It is relatively simple. \u00a0If you (the borrower) and the house meet the lender’s requirements, you are good to go.<\/p>\n

Government-insured loans offer additional protection for the lender. \u00a0Most of these programs reimburse the lender for any losses in case the buyer defaults. \u00a0Since this reduces the lender’s risk, they are often able to offer more buyer-friendly terms.<\/p>\n

FHA Loans<\/strong><\/em><\/p>\n

The Federal Housing Association (FHA) offers\u00a0a mortgage guarantee program, which is managed by the Department of Housing and Urban Development (HUD). \u00a0All types of borrowers can apply for FHA loans.<\/p>\n

Because of the additional protection this program offers for lenders, buyers get added benefits.\u00a0 Your down payment can get as low as 3.5% with this program, which makes it an\u00a0attractive option.<\/p>\n

However, your monthly costs\u00a0will be higher. \u00a0You’ll be paying back a larger loan, and the government will require that you also pay for mortgage insurance. \u00a0Consider the costs carefully before committing!<\/p>\n

\"Suit\"<\/a>VA Loans<\/em><\/strong><\/p>\n

The Veterans Association offers an excellent mortgage program to our veterans. \u00a0The VA is willing to reimburse lenders for any default by qualifying buyers, and\u00a0in many cases can insure 100% of the loan.<\/p>\n

As a result, veterans can qualify for a $0 down payment. \u00a0Don’t go running in to the bank though… there are additional requirements. \u00a0Be sure to refer to your local VA office for more information!<\/p>\n

RD Loans<\/em><\/strong><\/p>\n

The US Department of Agriculture (USDA) offers a loan program for buyers in more rural areas. \u00a0Many parts of West Michigan qualify geographically, so if you’re looking for a Grand Rapids mortgage, check if your home is in an eligible area.<\/p>\n

Rural Development loans are not available for all buyers. \u00a0Applicants must have steady income, but cannot exceed a set income cap. \u00a0To check the requirements, visit the USDA income and property eligibility site<\/a>.<\/p>\n

If you and the house both\u00a0qualify for an RD loan, you may be able to move in to your home for $0 down.<\/p>\n

Conclusion<\/strong><\/p>\n

A Grand Rapids mortgage doesn’t have to be scary. \u00a0There are many types of home loans available, and you may qualify for some great programs.<\/p>\n

Use this guide as a starting point. \u00a0As always, do more investigation on your own, and refer directly to mortgage professionals, accounts, and the\u00a0appropriate government departments for more details. \u00a0However, don’t be afraid to dig in… there are some great benefits waiting!<\/p>\n","protected":false},"excerpt":{"rendered":"

If you’re just starting the home buying process, or it’s been a while since you purchased a house,\u00a0mortgages can seem pretty scary. \u00a0What kinds of home loans are available? \u00a0What is an ARM, and why does it matter? \u00a0What is the difference between an FHA, VA, and USDA\/RD loan? (Also, what’s with all of these Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17,16],"tags":[92,8,103,107,9,10,104,106,105],"class_list":["post-1944","post","type-post","status-publish","format-standard","hentry","category-grand-rapids-mi-homes-for-sale","category-grand-rapids-mi-real-estate","tag-fha","tag-grand-rapids","tag-grand-rapids-mortgage","tag-home-loan","tag-kalamazoo","tag-michigan","tag-mortgage-companies","tag-rd","tag-va"],"yoast_head":"\nWhat to Look For in a Grand Rapids Mortgage | Honeybee Homes, LLC | We Buy and Sell Grand Rapids Real Estate<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thehoneybeehomes.com\/home\/what-to-look-for-in-a-grand-rapids-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What to Look For in a Grand Rapids Mortgage | Honeybee Homes, LLC | We Buy and Sell Grand Rapids Real Estate\" \/>\n<meta property=\"og:description\" content=\"If you’re just starting the home buying process, or it’s been a while since you purchased a house,\u00a0mortgages can seem pretty scary. \u00a0What kinds of home loans are available? \u00a0What is an ARM, and why does it matter? \u00a0What is the difference between an FHA, VA, and USDA\/RD loan? (Also, what’s with all of these Read More\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thehoneybeehomes.com\/home\/what-to-look-for-in-a-grand-rapids-mortgage\/\" \/>\n<meta property=\"og:site_name\" content=\"Honeybee Homes, LLC | We Buy and Sell Grand Rapids Real Estate\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/HoneybeeHomes\" \/>\n<meta property=\"article:published_time\" content=\"2016-03-17T16:07:37+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/thehoneybeehomes.com\/home\/wp-content\/uploads\/2016\/03\/Book-300x200.jpg\" \/>\n<meta name=\"author\" content=\"thehoneybeehomes\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@HoneybeeHomes\" \/>\n<meta name=\"twitter:site\" content=\"@HoneybeeHomes\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. 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