All About Mortgage Insurance

Monday, May 17, 2010

Update May 17 - 2010 All About Mortgage Insurance By Insurance Experts

Mortgage insurance is defined as a decreasing term life insurance depending to the amortization of the mortgage period while the premium remains the same over that period. You can purchase the mortgage insurance from the bank, trust or life insurance companies.
1. If you purchase your mortgage insurance from the bank or trust
a) No medical exam is required
b) The beneficiary of the policy is the bank or trust
2. if you purchase your mortgage insurance from the life insurance companies
a) medical exam is required for any sum insured over $100,000
b) The beneficiary of the policy is designated by you ( Kyle J. Norton)

Useful Information on Mortgage Insurance Rates

By Ryan Trimble

A lender likes when the buyer puts down at least 20% towards the price of the home. They do not appreciate a high loan to value (LTV) ratio, certainly not one greater than 80%. This means that on a house appraised at $200,000, $40,000 is needed to put down before closing. If this is not possible, either the home cannot be purchased or mortgage insurance (PMI) needs to be purchased.

The purpose of mortgage insurance is to insure the bank or lender against the buyer not paying and perhaps going into foreclosure. The buyer is paying to insure the bank's risk in making the loan to someone who did not put down 20% of the purchase price of the home. If the buyer puts down at least 20%, the purchaser is said to have "skin in the game."

Mortgage insurance rates can run as high as 3%. That would entail a payment of $1,500 for a $200,000 home. In the past the entire PMI was paid at closing. It has since changed and the insurance will run for the length of the loan. This gives the homeowner an incentive to end the payments.

The PMI will be held in escrow. The amount will be added to other escrow items such as home insurance and taxes. when purchasing a home, these added costs must be considered along with the specific monthly mortgage payments.

If the homeowner puts more money into the home each month, the PMI can be stopped, when the equity in the home reaches 20%. If the house appreciates in price and the Loan to Value Ratio has gone down, the mortgage insurance can also be ended.

The buyer will have to take the initiative in ending the mortgage insurance. There is no incentive for the bank to remind you that the insurance can be ended. After all, they are still getting additional insurance that the homeowner is paying for.

Ryan writes numerous articles on obtaining mortgage protection cover and about the facts behind mortgage protection and its importance.

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Monday, April 26, 2010

Update April 26 - 2010 All About "Mortgage Insurance" Information By Insurance Experts

10 Benefits of Mortgage Insurance

By Arjun Rudra

1. Take it with you when you move. If you have a mortgage that's portable, you can transfer its terms to a new property in the future. This same option is available when you buy mortgage insurance, which can save you premiums when you move.

2. Be eligible for a better interest rate. Mortgage insurance provides a lender with the flexibility to offer you the same competitive mortgage interest rates available to home buyers with a larger down payment.

3. More down payment options. Don't let the down payment be the barrier to your home ownership dreams. There are many mortgage insurance products that will help you to achieve home ownership. Let's discuss the options that suit your situation best.

4. Buy, instead of renting. If you're paying rent right now, it can be a good move to consider buying a home that has similar monthly carrying costs. You'll enjoy the freedom of making your living space into your own home with your personal touch.

5. Overcome traditional barriers to financing. More and more homebuyers who may not have qualified for a mortgage are benefiting from mortgage insurance - for example, those who are self-employed or work on commission. With mortgage insurance, people who have good credit but might not meet conventional lending criteria can qualify for the financing they need.

6. Own and enjoy a vacation property. If your financial situation is in good standing and you are thinking about buying a vacation property, there are mortgage insurance options that will allow you to do so. Be sure to ask us about what will work best for you.

7. Get money back on an energy-efficient home. If you purchase an energy efficient home or refinance an existing home to make energy-saving renovations, you could be eligible to receive a 10% refund on your mortgage insurance premium if your mortgage is insured with Genworth Financial Canada.

8. Save on household purchases. When buying your first home, you'll find expenses can add up quickly.

9. Home ownership on your terms. With the right preparation and resources, you can buy a home that best suits your lifestyle. Mortgage insurance provides you with innovative options to help get you into home ownership.

10. Get help when you need it. Whether from a job loss, a serious illness, or a marriage breakup, financial difficulties can arise when you least expect them.

In 2005, Arjun read his first book on investing. For Arjun, that experience sparked a long, extremely exciting and fulfilling journey towards achieving financial freedom at, what some might consider a very young age. While that journey is ongoing and has taken countless hours till date, the elation of finding a truly undervalued stock or discovering a special situation in the capital markets wields a reaction that is probably akin to a prospector discovering a nugget of gold. Arjun founded Investing Thesis to chronicle his journey in the hopes that his successes and failures might work to the benefit of someone else.

Sunday, March 28, 2010

Update Mar. 17 - 2010 All About "Mortgage Insurance" Information By Insurance Experts

Everything You Need to Know About a Negative Amortization Mortgage

By Mike Makler

Most Property Owners are conditioned to believe that a Negative Amortization Mortgage is a Bad thing. Before you get that next mortgage shouldn't you get the facts so you can decide for yourself what is best.

The First Question many people have is what is a negative Amortization Mortgage. A Negative Amortization mortgage is an Adjustable Rate Mortgage with predictable payments over the life of the mortgage. On an Adjustable rate mortgage you can have interest rate caps and/ or payment caps. A Payment Cap says your payment can never increase by some cap usually every year. So if you have a $500 Month Payment on an Adjustable Rate Mortgage with a payment cap of 7.5 Percent per year your monthly payment cannot be higher then 537.50 the following year.

Now if your interest rate were to rise enough to force the needed payment to be $540.00 a month you would be in a negative Amortization situation.
The Additional $2.50 a month would be added to your principle. You can think of a Negative Amortization as an automatic loan from your bank. Every month when you get your statement from the bank you will see at least your payment options. Option 1 is the Minimum payment. If option 1 would force a negative Amortization you will also see an Option 2 which would be the interest only payment. You may also see an Option 3 which would be the payment needed to pay off your loan in 30 Years. Some banks will give you additional options like 15 Year pay outs.

The Downside of a Negative Amortization Mortgage is that in areas where real estate values don't rise or even fall you could end up owing the bank more then your home is worth if you only make the Minimum payment each and every month.

The Pros of a Negative Amortization is that is very easy to create a annual budget since you know that your mortgage payment will never exceed the payment cap. The flexibility to pay more is should you be able to is also a nice plus

Another Pro of a Negative Amortization Mortgage is that it offers very low introductory rates with payments fixed for the first 5 or 10 years. This means anyone can buy a home and know that for the next 5 or even 10 years their monthly payment will be the same.

Here is an Example of 2 different Loans. A Negative ARM loan with a fixed payment for 5 years based on an interest rate of 1.95 Percent or a 30 year Fixed Rate of 5.5 Percent, A 250,000 Loan at 5.5 percent would run about $1420.00. A 380,000 Loan at 1.95 percent would run about $1395.00 a month. For $25 a Month lower payment you are controlling $130,000 more property. That extra $130,000 would grow by $35,000 in the first 5 year at a modest 5% appreciation Rate ($52,000 at 7 Percent, $79,000 at 10 Percent) At the end of 30 Years at 5 Percent that $130,000 would grow to over $560,000. (Over $989,000 at 7 Percent, Over 2.2 Million Dollars at 10 Percent)

When one considers the payment flexibility, the low starting introductory rates, a Negative Amortization Mortgage will allow most homeowners to control more real estate for the same or less money. The Negative Amortization Mortgage is certainly something to be considered by most homeowners or prospective homeowners.

About the Author

Mike Makler Offers Financial Services (Mortgages,Life Insurance, Annuity) in Florissant Missouri which is in North St. Louis County Missouri Just Across the Bridge from St. Charles Missouri

Call Mike at 314 398-5547

Visit Mike's Web Page:

[http://ewguru.com/finance]

For Missouri Specific Insurance and Loan Questions:

[http://ewguru.com/Mo-Finance]

Get Mike's Newsletter Here [http://ewguru.com/fin-news]

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Tuesday, March 9, 2010

Update Mar. 09 - 2010 All About "Mortgage Insurance" Information By Insurance Experts

The One Product Better Than Mortgage Insurance? Term Insurance

By B. F. Khan

Now that you have read "10 Reasons MORTGAGE INSURANCE is not a good investment" and if you missed it, check out the investigation that was done by CBC Marketplace titled "In Denial"

Lets continue on what is considered the one product to protect your family!

TERM INSURANCE! YES! TERM INSURANCE!

All the experts agree that TERM INSURANCE is a better product than mortgage insurance.

Ask Suze Ormond or check MSN money and of course check Personal Finance for Canadians.. Dummies book. Here are the reasons why:

1.You are the policy owner and choose the beneficiary. You choose who should get the money because you are in control and not the institution.

2.Death benefits go to your designated beneficiary who can use the funds as needed.Your survivor gets to choose how the money is spent. i.e. pay off the mortgage, pay off debts, invest etc.

3.Coverage amount is determined by you based on a complete needs analysis. Your coverage will take into account, mortgage, debts, survivor income, children's education etc.

4.Coverage remains the same for the duration of policy. Regardless if the mortgage goes down or you have paid off all your debts, the amount you are covered for remains the same for the same price.

5.Policy in good standing remains in force for duration of policy term chosen. Pay your premiums and you are covered for the term that you choose.

6.Policy is portable and remains with you. If you move to another home, your policy remains the same. You do not need to renegotiate for a new policy. Add a rider if you need more coverage.

7.Underwriting and evaluation of medical history is done prior to policy being issued and won't be cancelled later if health issues arise. That explains itself. At least you will know if there are any medical issues up front.

8.Monthly premiums do not start until after you have been approved for a policy.

9.Preferred rates are available for individuals with excellent health. Great health... lower premiums.

Now go back and rethink that mortgage insurance... read previous article to really understand the difference.You need to make sure you are making an informed decision about protecting your future. Now which one will you choose?

B. F. Khan is a new entrepreneur who has found out how to minimize her time and maximize her profits from using the internet to talk about her business.

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Monday, February 15, 2010

Update Feb. 15 - 2010 All About "Mortgage Insurance" Information By Insurance Experts

Cheapest Term Life Insurance - Match the Repayment Terms of Your Mortgage

By Elanora T. Kelly

Your current condition as you age plays a great role in your life insurance rates. In order to make a good assessment on your life insurance needs, Competitive Term Life Insurance will aid in evaluating your needs.

Competitive Term Life Insurance quote will provide the best deals there is in the market. In case like death of a partner, term life assurance will provide funds if you are short of assets.

If you canvass on the availability of life assurance that will best suit your needs, you need to determine the precise cost of income that you will lost when a spouse dies. Having this estimated, compute for the amount in order for you to know how much capital you will need to fill in that income. And how will you make it possible, through a preferred investment.

This way, you will be able to determine on the perceived loss of spouse and loss of income provided that you will need to survive when that time comes.

You will need to consider also the health of your parents, your previous financial commitments, and the needs that you have to meet for children still living under your roof.

It is best that you make financial assessment annually for your goals. You may need a lawyer before making a big financial decision to help you legally with process. this will keep your status on competitive life insurance updated and eventually will help assess your credibility to avail of insurance quotes in the future given your individual financial adjustments.

Term life insurance has gained credibility in the recent years when you talk about insurance quote credibility and affordability. This is the amount of money you are going to pay to make your term life insurance in effect. No matter the health condition, as long as you diligently pay your insurance policy, you will still have the policy coverage.

Term Life assurance policy is renewable within a certain time span. You have varied options of paying our premiums. It would matter with regards to the option as annually or monthly.

You can save on your premiums. You do this by selecting from the number of choices available. This will vary depending on the company protocols. For you to make a good choice, you should have a ready estimate on the amount of money that your family will need for immediate financial needs. Also, you need to determine how much income will be lost and how much will be needed to sustain your household. With a rough estimate, you will be able to assess what insurance premium will suit your individual needs to insure yourself.

In order to secure a better insurance quote, an alternate approach to your lifestyle will make a huge impact for you to avail the best offers that any company can provide. Your overall health condition will greatly influence your candidacy to purchase a term life insurance quote of your choice. Now, finding the best insurance quote has never been easy and practical. You just need to make choices on availing cost-effective quotes.

When performing a Life Insurance Comparison be sure to list your requirements and check out these companies.

Learn More about Insurance

For information on all types of Cheapest Term Life Insurance come to lifeinsurancetypes.org

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Wednesday, January 27, 2010

Update Jan. 27 - 2010 All About "Mortgage Insurance" Information By Insurance Experts

Pros and Cons of Mortgage Life Insurance

By Denise M

Mortgage life insurance is a type of insurance wherein the policy holder is able to clear mortgage liabilities in the event of the untimely death of the insured. In such a case, death benefits are equivalent to the outstanding balance on the loan. Quite clearly, this security gives tremendous peace of mind that no matter what, despite the worst case scenario, your family will always have a home to live in. Apart from that, many insurance policies offer optional provisions which include coverage for critical illness. With this option, the insurance company will pay out the outstanding loan in case you qualify conditions for terminal illness.

However, it is vital to examine the pros and cons of mortgage insurance before you make up your mind about purchasing a mortgage insurance policy. One of the major advantages of mortgage life insurance is that it is easy to obtain. In these days of uncertainty and insecurity, it may make sense to opt for a mortgage insurance policy to make sure your loved ones have a home to stay in, even if, anything were to happen to you.

Here are some advantages and disadvantages of a mortgage life policy to help you make an informed decision:

Advantages of Mortgage life insurance

Guarantees clearing your mortgage payment: The death benefit of mortgage life insurance pays off the outstanding balance on your mortgage, and thereby guarantees a home for your family in case of your death. What is also important to note is that, unlike a regular life insurance policy, death benefits from a mortgage insurance policy is not paid to your loved ones but goes directly to the mortgage company towards the payment of your outstanding mortgage. This is useful to ensure that death benefits are used primarily for the purpose of clearing off the mortgage.
Health qualifications for a Mortgage Insurance are considerably lower than qualifying for a regular life insurance policy: The health standard to meet to buy mortgage insurance is much lower than a regular term insurance policy. If you are in bad health then a regular life insurance policy may require you to pay higher premiums. If you suffer from severe health impairments, you may not even qualify for regular life insurance. In such cases, mortgage lifeinsurance is a very viable option for you. It gives you peace of mind by allowing you to get coverage for what is probably your biggest liability-your home.
Financial help during terminal illness: Mortgage life insurance policies may provide protection coverage in case of terminal illness, provided, your mortgage insurance includes terminal illness benefits and you opt for it. This indeed comes as great savior for the policy holder who contracts a terminal illness and can no longer work or earn money to pay the monthly mortgage. In such cases, the mortgage life insurance company will provide accelerated death benefits to pay off the mortgage.

Disadvantages of Mortgage Life insurance:

No payout until the stipulated time period is passed: Regardless of the situation there is no payout within the first six months of the policy. So in case any calamity strikes the insured before the stipulated time, the insured will not receive anything.
Mortgage life insurance coverage decreases with time: In case of your death, the amount of cover will depend on the term of insurance, which decreases more or less in line with the amount outstanding on your mortgage. As a result, you end up paying more for less coverage over the years. That essentially means by the end of the plan, there will be no benefits if you outlive the policy.
Excludes any Pre-existing medical condition: Any pre-existing medical conditions (terminal or otherwise) before the investment are excluded in the policy. Therefore, such conditions cannot be claimed if the situation arises.
Fixed monthly premiums Although insurance cover reduces with time the monthly premiums still remain fixed throughout the life of the policy.

AccuQuote is a leader in providing term life quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term life insurance as easy as possible for its customers. Their experienced professionals consistently deliver the most affordable term life insurance rates by comparing thousands of life insurance policies from dozens of top-rated carriers.

Article Source: http://EzineArticles.com/?expert=Denise_M

Pros and Cons of an Option Arm Mortgage

By John Hurlbut

An Option ARM (adjustable rate mortgage) or pick-a-payment mortgage is the most versatile type of mortgage a homeowner can choose. These loans are very attractive to borrowers looking for an affordable monthly payment option or borrowers with a fluctuating monthly income; these loans are also sometimes called cash flow arms. The borrower who chooses this type of loan has four payment options they can choose from each month.

Option one is commonly known as a negative amortization payment. This is traditionally a very low payment offered at an initial teaser rate for the first year (between 1% and 2%) and thereafter tied to an index such as the COFI (Cost of Funds Index), the CODI (Cost of Deposit Index), or the COSI (Cost of Savings Index). This option allows for the principal of the loan to grow or negatively amortize. For example if the borrower pays the initial payment, say $1000, a month and the interest only payment (usually option two) is $1500 per month the difference between the two, $500, is added to the principal of the loan. Savvy borrowers closely monitor the level of negative amortization that they allow to accrue. If the amount of the principal reaches 110% of the original principal balance the loan is then recast and the borrower looses the choice of option one.
Option two is commonly known as an interest only payment. When the borrower chooses this option only the interest owed on the loan is paid. With this option a borrower's principal remains the same. Option two is normally no longer an option after seven years. This is because most or all of the interest due on a loan amortized over 30 years is paid off in the first seven years.

Option three is a standard 30 year amortized payment. This option allows for a small amount of principal as well as all the interest on a mortgage to be paid monthly. If a borrower makes one 30 year amortized payment a year an option arm will not be recast. The third option is the one most borrowers make and is usually carries a relatively fixed rate. The rate is determined by an margin (the bank's profit) added to the index to which the loan is tied.

Option four is the quickest way to pay off a mortgage. This option is based on a 15 year amortization schedule. While the most costly of the four options it is the option that saves the most money in the end. When borrowers choose a 15 year amortization for their loan they can save tens of thousands of dollars in interest.

An option arm is a very versatile loan. Borrowers should be sure to realize that the first option is a teaser rate, set for a fixed amount of time, and the initial payment will fluctuate after the first year. Smart borrowers should qualify for the 30 year payment, try to make the 15 year payment, and exercise the option for a lower payment only if cash is needed.

For more information on Mortgage Loans, please go to http://www.nicehousesite.com/ and get your FREE REPORT On Private Mortgage Insurance, what it is and why it's so important! Also, many good articles on Mortgages, Creditors, Brokers, Deeds of Trust, everything you must know to get a Mortgage in today's market.
Thank you, John Hurlbut

Article Source: http://EzineArticles.com/?expert=John_Hurlbut

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Friday, January 8, 2010

Update Jan. 08 - 2010 All About "Mortgage Insurance" Information By Insurance Experts

All About Private Mortgage Insurance - PMI

By Ron Beauchamp

Making mortgage loans can be a risky business. As with all businesses, lenders are looking for assurance that their investments will be protected. However, it's not always easy to predict which borrowers will default on their mortgages or eventually go into foreclosure. Because of this, lenders require that the borrower pay for Private Mortgage Insurance under certain circumstances.

What Does PMI Do? Private Mortgage Insurance protects lenders in the event that the borrower does not repay the loan. Instead of the lender losing the money, the insurance company will step in and cover the losses. Typically, PMI only covers the difference between the home's value and the remaining balance on the mortgage, as the lender can recoup the remainder through sale of the home.

Who Needs PMI? Typically, lenders will require PMI on loans with a loan-to-value of over 80%. In plain English, if the home is worth $100,000 and the loan is for more than $80,000, the lender will require private mortgage insurance. PMI can be canceled when the borrower no longer owes more than 80% of the home's value.

Why Offer It? It would be much safer for lenders to only accept borrowers that can make a 20% or more down payment, but that would significantly lower the number of individuals that are able to purchase a home. Instead, PMI protects the lenders just as if the borrow had made the full 20% down payment, of course, it is an additional expense to the borrower.

How Much Does It Cost? Although the cost can vary depending on the amount of coverage provided (1-20% of the home's value) and the type of loan it covers, it is typically around $35-$70 per month on a $100,000 mortgage.

Find a great Cupertino Mortgage Loan at LoanPickr.com and get a quote on a California Mortgage Loan.

Article Source: http://EzineArticles.com/?expert=Ron_Beauchamp

FHA Loans

By Max Fischer

During the recent economic crisis, credit markets dried up and mortgages became difficult to obtain, especially for people with poor credit. Yet millions of Americans still want to achieve the dream of owning their own home. For homebuyers with a low credit rating, it can be difficult to figure out the best option; no one wants to get ripped off by a mortgage or loan scam. Fortunately, the federal government offers programs to obtain FHA loans that can help people with shaky credit to purchase a home or condominium.

What are FHA Loans?
Here is a brief overview of the FHA. In 1934, during the Great Depression, the U.S. Congress created the Federal Housing Administration (FHA). The purpose was to stimulate home construction, reduce unemployment, and offer loan insurance programs designed to provide affordable housing for people who would otherwise be unable to purchase a home. In 1965 the FHA was incorporated into of the Department of Housing and Urban Development's (HUD) Office of Housing. Today, the FHA assists homebuyers by providing mortgage insurance on loans made by lenders throughout the United States and its territories.

The FHA does not make loans. It does not build, buy, or sell houses. If you are buying a house or condominium, you do not apply directly to the FHA for a loan. You apply through an FHA approved mortgage lender such as a bank.

What does the FHA do? The FHA helps homebuyers who meet FHA loan guidelines by insuring their mortgages against default. FHA mortgage insurance provides the lender with protection against losses, and the lender bears less risk because if the homeowner defaults, FHA will pay a claim to the lender. This insurance, by reducing the lender's risk exposure, means lenders can approve mortgages for people who may otherwise have trouble getting a mortgage.

For the homebuyer with bad credit, the basic steps are these:

Apply to a FHA approved lender such as a bank or mortgage company.
The lender may ask that you apply for FHA mortgage insurance. Or, you may request that you be considered for FHA mortgage insurance.
To qualify for insurance, loans must meet established FHA loan guidelines.
The FHA investigates your finances and, if the risk is deemed favorable, insures the lending institution against loss of principal in case you fail to pay your mortgage.
If you meet FHA loan guidelines and are approved, you pay an insurance premium (generally one half of one percent) on the balance owed.

What makes FHA Loans Attractive?

With FHA mortgage insurance, the borrower receives several benefits:

A home appraisal by an FHA inspector
A lower interest rate on the mortgage than the lender might have offered without FHA mortgage protection.
The borrower is eligible for up to 96.5% financing, which means that down payments can be as low as 3.5% of the purchase price.
The borrower is able to fold the mortgage insurance premium into the mortgage.
FHA rules put limits on many of the fees that lenders charge in making a mortgage.

FHA Programs
There are a variety of FHA programs, the four below are basic FHA programs that can assist buyers who have poor credit.

Mortgage Insurance for One-to-Four Family Homes (Section 203(b)). This program provides mortgage insurance to protect lenders against the risk of default on mortgages to qualified buyers. This program may be used to finance the purchase of new or existing one-to-four family housing, as well as to refinance a mortgage.
Single-Family Rehabilitation Mortgage Insurance (Section 203(k)). This program allows the borrower to get just one mortgage loan, at either a long-term fixed or adjustable rate, to finance both the purchase and the rehabilitation of the property.
Single-Family Mortgage Insurance for Condominium Units (Section 234(c)). This program insures a loan to purchase a unit in a condominium building.
Insurance for Adjustable Rate Mortgages (Section 251). This program insures home purchase or refinancing loans that have adjustable interest rates.

If you have poor credit and meet the FHA loan guidelines, you may benefit from an FHA loan. It's worth investigating.

ConsumerFinanceReport.com features an extensive library of articles providing information, commentary, and guidance on a variety of personal finance topics, such as FHA loans. To view more articles that educate you on how to pay off debt, please visit our site.

Article Source: http://EzineArticles.com/?expert=Max_Fischer

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All About Mortgage Insurance

Monday, May 17, 2010

Update May 17 - 2010 All About Mortgage Insurance By Insurance Experts

Monday, April 26, 2010

Update April 26 - 2010 All About "Mortgage Insurance" Information By Insurance Experts

Sunday, March 28, 2010

Update Mar. 17 - 2010 All About "Mortgage Insurance" Information By Insurance Experts

Tuesday, March 9, 2010

Update Mar. 09 - 2010 All About "Mortgage Insurance" Information By Insurance Experts

Monday, February 15, 2010

Update Feb. 15 - 2010 All About "Mortgage Insurance" Information By Insurance Experts

Wednesday, January 27, 2010

Update Jan. 27 - 2010 All About "Mortgage Insurance" Information By Insurance Experts

Friday, January 8, 2010

Update Jan. 08 - 2010 All About "Mortgage Insurance" Information By Insurance Experts

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