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If you're buying a home the first thing you'll need is a pre-qualification letter. A pre-approval is a process performend by your mortgage specialist to qualify you for a mortgage and determine how much you can borrow. Once you're pre-qualified, you'll be issued a pre-approval letter which the seller of the home and real estate agents will require in order to work with you.
FHA loans are similar to conventional loans in that both types are used for financing the purchase of a home over long periods of time (generally 15, 20 or 30 year terms) or refinancing one's existing home mortgage. The term "Conventional Loan" is generally used to describe a mortgage that is either currently owned by Fannie Mae or Freddie Mac or has been issued by a bank that sells mortgages to one of those institutions.
Using a mortgage broker to get a loan from a lending institution can be a good choice in many cases. Mortgage brokers deal directly with multiple banks on a wholesale level so they have access to mortgage money at cheaper rates and can pass these savings on to their customers. Mortgage brokers have the ability to shop your loan around to multiple banks increasing your chances of qualifying you for the best mortgage at the lowest rates. If you choose to work with a bank directly over a broker, you may save a little money on broker fees but you'll probably get an overall better deal working with a broker who can negotiate your loan terms with a variety of lenders to get you the best deal possible.
If you're "underwater," you still have options. The HARP program is a Government refinancing program that allows homeowners who's home value has decreased significantly due to faults in the economy refinance their homes to get a lower monthly mortgage payment.
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