buying a house from a relative

Gifting a down payment is a popular way to help adult children buy a home, but there are alternatives.

get a pre approval letter How Long Does Pre-Approval Take To Enter Into Purchase. – Typically, How Long Does Pre-Approval Take? Many home buyers who made up to purchase a home needs a pre-approval letter from a mortgage loan originator. This is an exciting time for home buyers and most home buyers are antsy to get a pre-approval letter and start shopping for their dream homes

Filed Under: Buying/Selling Tagged with: giving home as a gift, home sale to relative, selling a home to a family member, selling a home to family for 1 dollar, Selling a House to a Family Member, selling a house to son, selling home to daughter, selling home to family below market value, selling house below market value, selling house to relative

But buying a house? There is no age restriction. Some might argue you can’t buy a house until you’re 18, because a bank won’t let a minor sign a contract, but theoretically, if you had the cash and your parents were cool with it, you could be a toddler.

buying house with bad credit and no down payment No Money Down Loans – No Down Payment Mortgage Requirements. – For those that qualify, LGI Homes' easy No Money Down financing allows renters to. No Money Down purchase options have allowed hundreds of buyers just like you to. our homebuyers are building equity in their houses for a monthly payment lower. Additional low down payment financing options may be available.

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seller back out of real estate contract Can You Cancel a Real Estate Contract? | realtor.com – The seller could also decide to sue you for breach of contract. Some real estate contracts have a "liquidated damages" clause that states the maximum the seller can keep if the buyers breach.

Buying a house with cash is one option for prospective home buyers. However, if you want to pay in cash, you should know how to properly.

Thinking of buying an older house? While they come with charm and unique advantages, there are problems & possible hidden costs that you should be aware of.

I’m Buying A Dream House: But It’s Located Near Electrical Power Lines. After years of renting, I’m finally in the process of buying my first home.At the conclusion of months of tireless searching and countless weekdays and weekends of visiting open houses and housing prospects, I’ve finally found the perfect starter home in the perfect location.

business loan to buy rental property Investment Property Loans – Get the information you need to secure commercial mortgage financing with confidence. Take advantage of Commercial Direct expertise on investment property.

If you buy the property or lend the money to your daughter, the value of. banks are currently offering) which allow a family member to provide.

When you're buying a property for just a few hundred bucks (which is how most. Whenever I close a real estate deal in-house, my closing checklist includes the.

The Year: 1958 The Buyers: Ron and Joan.Ron was a police cadet and Joan was awaiting their first arrival. Both were in their early 20’s. The Buy: 2 Story Semi-Detached Home on Chelwood Rd., located at Birchmount and Eglinton. The Numbers: Purchase Price -$16,900 Their down payment was $1500, $500 saved and $1,000 from inheritance.

is a second mortgage a good idea Is a Second Mortgage a Good Idea? – Everything Finance – Second mortgages enable homeowners to borrow up to the amount of their current equity in the home, and it’s used as collateral. Proceeds from a second mortgage can be used for anything; many choose a second mortgage to finance their kids’ education, home remodeling projects, or to pay off other forms of debt.

how long after buying a home can i refinance

This refinancing option is especially beneficial to homeowners whose property has increased in market value since the home was purchased. A Cash-Out Refinance allows homeowners to refinance their existing mortgage by taking out another mortgage for more than they currently owe.

 · It is legal to refinance the next day after you buy the house. But for the first year, you will be limited to the purchase price, not the appraised price. After 1 year, you can refinance based on the appraisal; altho that appraisal will be outdated.. Ed Atun · 10 years ago.

Why buy long-term care insurance? Among 65-year-olds, 70% will use some form of long-term care in the years ahead, according to the U.S. Department of Health and Human Services.

Often, it makes sense to refinance to a fixed rate mortgage even if your payment goes up, especially if you plan to stay in your house for a long period of time. Over the past 30 years, the average rate on a 30-year mortgage has been 8.12 percent based on historical data from the Federal Reserve.

I have a 5/1 adjustable rate mortgage that I set up shortly after my divorce in 2004 when. If you are considering refinancing, you’ll want to make sure you’re planning to be in the home long enough.

interest only home mortgages letter of explanation regarding derogatory credit Interest-Only Home Equity Line of Credit – PenFed Home – Interest-Only Home Equity Line of Credit. Use the equity you’ve built in your home to access funds for major expenses. Get the cash you need when you need it and take advantage of interest-only.

After a cash purchase, how soon can I cash out refinance equity? Newest Posts . Newest Posts. how soon can I cash out refinance equity? 9 Replies Log in or sign up to reply. and just finished going through a long ( 2 year long) home loan modification, witch was finally approved and.

chase home equity line of credit calculator HELOC Payment Calculator with Interest-Only and PI Calculations – HELOC Payment Calculator. This calculator will calculate the monthly interest-only home equity line of credit payment given your current balance and interest rate, plus calculate the principal and interest payment that will take effect once the draw period expires.

How Long After a Refinance Can You Sell Your Home? March 7, one of the best ways to get one is by buying a pre-foreclosure home. Typically, you’ll see pre-foreclosures Read more. SEE ALL IN CATEGORY. Home Refinance Articles How Long Before You Can Refinance With the FHA Streamline Loan?

City Creek Mortgage is Utah’s most trusted, respected, and loved mortgage company. We’ve helped our clients save thousands on their mortgages. Whether you’re a first-time home buyer or an experienced homeowner, we’ve got you covered. Get in touch with us today and discover how we can assist with your mortgage needs.

what are reverse mortgages and how do they work

homestyle loan contractor requirements CONTRACTOR – The HUD GUYS – For example, you can get your own loan or ask the contractor to arrange financing for larger projects. For smaller projects, you may want to pay by check or credit card. Avoid paying cash.what is fha rates What would higher mortgage rates mean for Houston housing? – long-term mortgage rates have fallen to a four-month low according to mortgage-finance company freddie mac’s weekly survey of rates. But some economists predict they will rise once more over the.refinance to get equity

How do Reverse Mortgages work? Discover how a reverse mortgage works from All Reverse Mortgage, By and large, most borrowers can benefit when they do their research and plan.

Reverse mortgages: How do they work? A reverse mortgage allows homeowners age 62 and up to borrow from one of their most valuable assets – their home equity. How to Manage Your Money. For the best tips on insurance, credit cards and savings, get your free AAA guide to managing your money..

A reverse mortgage works by using the equity in your home as collateral for a loan. If you are at least 62, this is a viable option. If you have a large equity stake or your home is paid off, you can receive a large amount of cash to help pay bills, or to enjoy for retirement.

A reverse mortgage works by allowing homeowners age 62 and older to borrow from their home’s equity without having to make monthly mortgage payments. As the borrower, you may choose to take funds in a lump sum, line of credit or via structured monthly payments. The repayment of the loan is required when.

hud reverse mortgage guidelines fha home appraisal process Buying a 2-4 Unit Home using an FHA Mortgage – Hello, I was curious with the strict fha inspection process, if I did want a 4 unit building, does all 4 units and the outside structure need to be 100% fha inspection compliant?HUD: Reverse mortgage second appraisal rule affecting. – Speaking at a panel before attendees at the National reverse mortgage lenders Association’s annual meeting in San Diego on Monday, Cheryl Walker, HUD’s director of home policy valuation, said.

Your home isn’t altogether your own after you take the reverse mortgage. It has strings attached like you must maintain the home to their standards and repay when the borrower leaves the home. So say a women 61 and husband 65 decide to get a rever.

fha mortgage amortization calculator 620-699: You might be eligible for some conventional loan programs as well as Federal Housing Administration or U.S. Department of veterans affairs loans. 580-619: Your best bet might be the FHA in.

Receive free no obligation reverse mortgage quotes online at no cost. ClickQuoteSave is a privately held independently operated quote comparison website for seniors. Our Technology does the hard work of analyzing lenders fees and rates for you instantly! Thank you in advance for choosing Click Quote Save for comparing reverse mortgage quotes.

In most instances, a reverse mortgage is paid off when the mortgaged home is sold. It is important to note that reverse mortgages are designed so that the amount owed cannot exceed the value of the home. If, for example, a reverse mortgage balance is $150,000, and the house is sold for $125,000, the borrower does not owe the difference.

What is a Reverse Mortgage and how do they work. Everything you need to know about Reverse Mortgages, Pros and Cons and Alternative Loan Options.

fha streamline rates today

Closing Costs Don’t Hinder FHA Streamline Borrowers. It could be the most ideal time in the past 10 years to apply for an FHA streamline. Borrowers will save when their monthly MIP and rate go down. Low rates and high demand for FHA loans give lenders more leeway to negotiate a lower rate and fee structure for their borrowers.

Mortgage broker: bob gerson, Vice President and Senior Mortgage Advisor, Partner Equity Property type: Single family/owner, san francisco appraised value: $505,000 Borrowing amount: $479,476 Loan:.

Mortgage Rates Grand Prairie Texas equity loan interest rate how many fha loans can you get Colorado home buying: 6 reasons to refinance your mortgage – Though, a lower rate is only one of many. mortgage insurance or PMI, it can be removed once you have at least 20 percent equity in your home. Government-backed loans, on the other hand, do not.what is stated income mortgage loans Stated income loan – Wikipedia – A stated income loan is a mortgage where the lender does not verify the borrower’s income by looking at their pay stubs, W-2 (employee income) forms, income tax returns, or other records. Instead, borrowers are simply asked to state their income, and taken at their word. These loans are sometimes called liar loans or liar’s loans.house mortgage calculator based on income how home equity loan works is a second mortgage a good idea Is Investing In A Second Home A Good Idea? – Intercounty Mortgage has written 655 articles on Intercounty mortgage network corp. contact the author 0 responses to "Is Investing In A Second Home A Good Idea?"current refinance rates 30 year fixed how to shop for a loan Shopping For A Mortgage? Watch Out For These Pitfalls – Choosing a mortgage lender without shopping around. You’ll want to find a mortgage lender early in the process so you have a relationship with him or her when you find the home of your dreams.30-year fixed mortgage rates Fall Below 4%, for First Time Since October; Current Rate is 3.99%, According to Zillow Mortgage Rate Ticker – Below are current rates for 30-year fixed mortgages by state. where borrowers connect with lenders to find loans and get the best mortgage rates. borrowers anonymously submit loan requests and.Keep the mortgage or pay off the house? – Is carrying a mortgage into the sunset something most people should seek to avoid? Or does holding onto a mortgage make financial sense, especially when rates are low and it is. the ideal approach..

The ripple effect of Wells’ change in its fha streamline policy Tuesday was felt loud and clear. With all this going on, who cares about rates? Still, Treasury prices rose yesterday with the weak.

max ltv on cash out refinance CBL: The Old Ball And Chain – Itemizing each Tier 1 property and the outstanding mortgage, I revealed that only 4 of the properties are unencumbered and judged that only 1 of them, The Outlet Shoppes El Paso, likely had room for a.

Click here to check FHA streamline rates. minimum credit score for FHA streamline refinance. FHA does not require a credit report to be pulled. However, most, if not all lenders will require a credit report. A standard "benchmark" minimum credit score for the FHA streamline program is 640. However, some lenders will allow a score of 620 or even 600.

FHA Loan Rates. FHA loan rates can be lower than conventional loan rates like the 30-year fixed, but they can end up being more expensive due to mortgage insurance costs. Mortgage loans with less than 20 percent down generally have to carry mortgage insurance, but the insurance on FHA loans is more expensive than insurance on conventional loans.

The biggest U.S. mortgage lenders, whose first-quarter earnings were buoyed by gains on home-loan refinancings, are raking in more profits as record-low interest rates and government. refinancing.

FHA Streamline Refinance Sometimes It Pays to Refinance. The FHA Streamline Refinance program gets its name because it allows borrowers to refinance an existing FHA loan to a lower rate more quickly. Avoiding a lot of paperwork, and often without an appraisal, the Streamline option saves borrowers time and money.

Fixed FHA rates today provide borrowers the security with 15 and 30-year rates. For example, 15-year FHA rates have dropped below 4% and the 30-year FHA rates range from 3.125% to 3.5%. American homeowners and those considering becoming a first time homebuyer should jump at the opportunity to lock into a government insured loan this low.

home equity line of credit estimator Home equity lender reviews: Top 5 for debt consolidation – Homeside is a mortgage company that also offers home equity products. Its HELOC, or home equity line of credit, can be used to consolidate large amounts of debt – up to $350,000. Your line of credit.

i want to refinance my house

 · You do not need to wait any minimum amount of time before refinancing your car loan. You just have to meet all the requirements for the new loan in order to refinance. You can refinance immediately after buying-even before you make your first monthly payment.

15 day grace period mortgage Why are Mortgages Due the 1st but not Past Due Until 16th? – Grace Periods For Mortgages. The industry standard is that the payment due date is usually on the 1 st of the month.; But payments are not considered past due until after the 15 th of the month.; It is believed that mortgage lenders build in the standard 15-day, penalty-free grace period in order to make accommodations for the different payday schedules of their customers.

Beginners Guide to Refinancing Your Mortgage. – Some consumers may be eligible for refinancing options which close quicker and at lower costs than a typical refinance. When Can I Refinance My Home?. The Cost of Refinancing Your House .

house mortgage calculator based on income Mortgage Calculator – Home Loan Calculator | Credit.com – A mortgage calculator is a simple tool that helps people figure out what their monthly mortgage payment will be by inputting pieces of information. In other words, you tell the calculator what it needs to know, and it does the math for you, and tells you your monthly payment.100 mortgage financing 2016 What Is a Mortgage Broker? | The Truth About Mortgage – I saw a home I liked far away in another state. I could very easily afford 20% down and also very easily afford the mortgage payments. My problem is that my FICO is probably too low for a.

Examine your costs, as well as your savings, before deciding to refinance. Define your goals, to make sure that refinancing will meet them. Research rates and compare banks and lenders, if you want to get a refinance mortgage loan. refinancing your home can be a great way to save money or to improve.

 · Refinancing isn’t for everyone or every financial situation. Here are five times you should hold off on refinancing your mortgage. 1. You Don’t Plan on Staying in the House. If you plan on selling your home in the next five years, then hold off on refinancing it. The move will likely only waste your time and money.

mortgage options after bankruptcy cash out first mortgage cash out 1st mortgage payday loans no credit check – cash out 1st mortgage bad credit loans guaranteed get it to day. online looking has now gone an extended means; it has changed the way shoppers and entrepreneurs do business nowadays.

If your house has more than 20% equity, you will not need to pay PMI, unless you have a FHA mortgage loan or are considered a high-risk borrower. If you pay PMI and your current lender won’t remove it even though your house has at least 20% equity, you may want to consider a refinance for this reason alone. Factors to Consider Before Refinancing

If you’re considering refinancing your mortgage, you are likely eager to find the lowest mortgage refinance rates.. But before you start shopping around for the lowest rates, experts say you should establish your objectives and prepare your finances to improve your.

When applying for a home loan refinance, your lender will need proof of income. Lenders want to ensure that you have the financial means to pay off your new mortgage, as well as any other long-term debts (such as car loans) or other living expenses. As a result, borrowers are generally required to submit recent pay stubs from the past 2-3 months.

Try our easy-to-use refinance calculator and see if you could save by refinancing. Estimate your new monthly mortgage payment, savings and breakeven point.

no money down real estate loan

max ltv on cash out refinance how home equity loan works What You Need to Know About Securing a Home Equity Loan. – Consumers have many good reasons to take out a loan, and a home equity loan is sometimes the best way to get needed funds.Purchase & Cash-Out Refinance Home Loans – VA Home Loans – Purchase & Cash-Out Refinance Home Loans. With a Purchase Loan, VA can help you purchase a home at a competitive interest rate, and if you have found it difficult to find other financing.. VA’s Cash-Out Refinance Loan is for homeowners who want to take cash out of your home equity to take care of concerns like paying off debt, funding school, or making home improvements.

said real estate experts. Another option is warehousing where investors are typically outsourcing it to a third party to manage the facilities. Debt is relatively cheaper because warehousing has been.

Q: If you have a fixed-rate mortgage. She is also the CEO of Best Money Moves, an app that employers provide to employees to measure and dial down financial stress. Samuel J. Tamkin is a.

[Read: Best Mortgage Lenders. live and how much money you make can influence eligibility for some down payment assistance programs. It’s easy to miss out on programs you’re eligible for if you.

Real estate. is why QE had little to no discernible effect on GDP growth. Roughly 70% of GDP is driven by consumer spending. If QE had trickled down to the money supply in circulation on.

 · After reading no money down Real Estate, Jack realized that there are ways to make a start with no money down, but he decided that he wouldn’t rush getting into the game with no cash. There are a variety of ways to borrow money. The first is getting a loan or borrowing money that allows you to buy real estate properties but most of them.

Real estate. almost no work and flips that needed $100,000 remodels. The big jobs always seem to have the biggest potential profit in the beginning, but something always happens to eat up that.

For those that qualify, LGI Homes' easy No Money Down financing allows renters to become homeowners, while keeping their savings account intact. Why rent.

The Fed is being far more flexible and data-dependent, and long-term interest rates are down substantially in the past few months. Data by YCharts This is making mortgage rates much more affordable,

22 (UPI) –A decade after the subprime mortgage crisis. the game than someone who is putting some money down, who looks at the home not as an investment for their family and the community but their.

When you can rent a place for the same monthly cost (or even less) than a mortgage payment. you could put the money you save into other investments such as stocks or bonds, instead of tying your.

new home construction financing how to get financing to build a house This type of financing can be advantageous if you like the loan terms and get a low APR and fees. Other financing options for your tiny home include: Credit cards : While credit cards tend to have high interest rates that would make using cards to build a tiny home a costly affair, there are some situations where this situation could work.Construction Loans for Custom Residential Properties – T hese programs combine the construction and permanent financing of your project.. You qualify for the loan once, lock in the permanent rate, sign one set of loan documents and have up to 12 months to complete your residential construction project.

buying a home that has a reverse mortgage

how to shop for a loan How Should I Go About Shopping for a Loan? – Sandy Gadow – Consider banks, savings and loan offices and loan brokers: Find out what types of loans are available and ask about interest rates and loan fees. find out how.

Because of restrictions that descend from the Federal housing administration (fha) regarding condos and Home equity conversion. potential ability a senior can have in going either with a government.

fha 30 year fixed rate today Mortgage Rates and Market Data – Mortgage News Daily – Additional Charts-30 Year Fixed Rate Mortgage (1971-present) Read Our Latest "Daily Rate Update" May 10 2019, 5:12PM. Mortgage rates didn’t move much today, if at all. This is confounding to.

It was not until the late 1980’s during Reagan administration that the utilization of home equity conversion as a retirement tactic was realized. “Reverse Mortgages have changed significantly since.

If a disabled son or daughter is living at home, and the parents get a reverse mortgage, that son or daughter may have to look for alternative housing options once the loan becomes due and payable, unless other arrangements are made ahead of time to pay off the reverse mortgage.

The market has been dominated by a single product, a home equity conversion mortgage. (seniors must be over age 62 to buy a reverse mortgage.) Plus, lenders are plugging product gaps that existed.

Prominent financial planner Jill Schlesinger, who has a historical track. that she had taken out a reverse mortgage years before. The mother’s intention was for the daughter to pay back the loan to.

Don’t forget to explain that you intend to buy a new home with the proceeds from your reverse mortgage. That way, your lender can figure out how much you can borrow based on your financial situation. Unlike a standard reverse mortgage, the HECM for Purchase Loan requires a down payment.

As part of its ongoing effort to keep tabs on loan servicers, the consumer financial protection bureau released a report this week that highlighted problems with the servicing of reverse mortgages..

Buying a Home with a Reverse Mortgage | Finance of America. – Did You Know You Can Buy a House with a Reverse Mortgage When it comes to reverse mortgages, they’re often talked about as a tool to help homeowners remain in the homes they have long lived in.

On the other hand, a reverse mortgage for purchase allows seniors 62 and older to purchase a home using a reverse mortgage. The loan pays off the mortgage of the new home. There is also an additional qualification of purchasing a home with a reverse mortgage. You will need a significant down payment to be put towards your new home.

fha mortgage amortization calculator

Estimate how a mortgage can affect your monthly finances with our mortgage calculator.

Mortgage amortization is how a home loan is paid down: The debt diminishes slowly at the beginning and then rapidly toward the end. At first, most of each mortgage payment goes toward interest.

Calculator Rates Loan Amortization Calculator. This calculator will figure a loan’s payment amount at various payment intervals — based on the principal amount borrowed, the length of the loan and the annual interest rate. Then, once you have computed the payment, click on the "Create Amortization Schedule" button to create a printable report.

Amortization Bankrate Calculator Loan – Contents Simple loan calculator mortgage amortization calculator. input Monthly loan repayments Mortgage-Calc.com presents free convenient/basic web-based mortgage, amortization and financial calculators. Collections of mortgage. based on an individual’s exact retirement history. Bankrate.com.

At the end of the initial period, the rate changes from fixed to adjustable, and the monthly payments increase, becoming payments toward principal and interest for the remaining loan term. This.

FHA Mortgage Loan Payment Calculator | What's My Payment? – Principal & Interest: FHA MIP FHA MIP is determined by your down payment and loan term. FHA MIP Explained + Monthly Escrow Escrow is a portion of your monthly payment that goes into an account with your mortgage holder that is used to pay your property taxes and annual homeowner’s insurance.

refi cash out mortgage rates A big plus for FHA cash-out refinances are the universally low interest rates. Mortgages, in general, offer lower rates than credit card companies or student loan providers, which is why borrowers choose to consolidate their debt with a single, replacement loan in the form of a mortgage.

Use this VA mortgage loan calculator to understand the costs of a VA loan. As a service member or veteran, a VA home loans is likely to be the best way to buy a house. Yet, like every mortgage, it can.

Trulia’s mortgage calculator is an easy-to-use loan calculator that lets you estimate your monthly mortgage payments with the latest mortgage rates.

Use our free amortization calculator to quickly calculate the amortization schedule for your home loan. See your estimated balance after each monthly payment.

refinance mortgage to get cash is a second mortgage a good idea Is it a Good Idea to Put My Equity Into a Second Home. – Is it a Good Idea to Put My Equity Into a Second Home?. which is akin to a second mortgage, on your primary dwelling.. For practical purposes, though, walking away from a second home mortgage will not affect your life as much as losing the primary home. There’s an exception if both.Refinance Calculator | Quicken Loans – Refinancing to a loan with a lower rate means you could get a lower payment as long as you don’t shorten the length of your mortgage term. stop paying for private mortgage insurance (PMI) – If you put less than 20% down on your original home loan, chances are you’re paying for PMI.

Looking for a long-term mortgage with an unchanging rate for the life of the loan? NerdWallet’s mortgage rate tool can help you find competitive 30-year fixed mortgage rates for your refinance. Just.

620-699: You might be eligible for some conventional loan programs as well as Federal Housing Administration or U.S. Department of Veterans Affairs loans. 580-619: Your best bet might be the FHA in.

new fha loan rules

How to tell when an FHA loan is right for you | Newsday – FHA loans are well-known for helping families of modest financial means buy. A new rule that was supposed to take effect in April would have.

FHA Condo Loans The FHA 4000.1 Handbook has made new revisions in the past few years to make sure FHA home appraisals are more accurate. Regrettably, in the early 2000’s there were numerous inaccurate fha appraisals done that inflated homes values to allow FHA lenders to close a loan more easily.

New Rules from FHA and HUD on Lending Documentation and. – New Rules from FHA and HUD on Lending Documentation and Immigrants Up until now, the Federal Housing Authority (FHA) has required its borrowers to make a minimum down payment (also known as the Minimum Required Investment or MRI) of 3.5% of the purchase price on the house they want to buy.

Fha Rules New – fhaloanlimitsillinois.com – New fha guidelines 2019 – fha-world.com – New fha guidelines 2019 borrowers with a prior bankruptcy, foreclosure, deed-in-lieu, or short sale may be eligible for an FHA insured loan if the bankruptcy, foreclosure, deed-in-lieu, short sale was the result of a.

FHA Commissioner Talks HECM Program Health, Second Appraisals – Montgomery, the FHA Commissioner and Acting Deputy Secretary of HUD, in an exclusive interview at the National Reverse.

Eligibility Requirements For A HECM Borrower And Measuring Available Credit – For your property to be eligible, it must: serve as your primary residence; meet fha property standards and flood requirements; be an FHA-eligible. by keeping up the value of the collateral for the.

FHA Releases New Loan Limits for 2019 – magnifymoney.com –  · The federal housing administration (fha), which is overseen by the U.S. Department of Housing and Urban Development’s Office of Housing, announced Friday that the new national loan limit – also called the “floor” – for one-unit properties in low-cost areas has increased from $294,515 in 2018 to $314,827 for 2019.

teacher next door housing program what is good credit score to buy a house What Is a Good Credit Score for Buying a House? | Home Guides | SF. – Having a credit score of at least 500 will get you a loan but FICO 620 or higher gives you the best chances of approval and loan options.Teachers Next Door Program – Coldwell Banker Blue Matter Blog – The Teacher Next Door Program was created by the U.S. Department of Housing and Urban Development (HUD) to connect teachers buying.refinancing your home calculator Home Mortgage Refinance Calculator | Refinancing Your Mortgage – Take Advantage of Lower Rates with our home mortgage refinance calculator. Use the home mortgage refinance calculator here to compare rates and terms, and see how they will affect your monthly bill. 3. switch to the predictability of a fixed loan

New Rules Fha Loan – Mortgageprequalificationonline – Basic FHA Loan Requirements for New Jersey Borrowers – So it is HUD that establishes all of the guidelines and requirements for FHA loans issued to New Jersey borrowers. Many of these guidelines can be found in hud handbook 4000.1, also known as the Single-Family Housing Policy Handbook.

100 mortgage financing 2016 What Is a Mortgage Broker? | The Truth About Mortgage – I saw a home I liked far away in another state. I could very easily afford 20% down and also very easily afford the mortgage payments. My problem is that my FICO is probably too low for a.

Natalie Campisi: Nearly 6 million people can now cut their mortgage payments with refinancing – The recent drop in rates means that 5.9 million people can potentially save money by refinancing their existing home loans and securing a lower rate – two million more than last month, according to a.

Qualifications to Streamline Your FHA Mortgage – The first is that they could be eligible for lower interest rates by streamlining; and secondly, the new mortgage. conventional loans. This, however, does not mean that streamlining is available to.

mortgage options after bankruptcy

6 Ways to Refinance Your Home After Bankruptcy | Private. – 6 Ways (and reasons) to Refinance Your Home after a Bankruptcy . 1. Lower Your Interest Rate. If your existing mortgage loan has an interest rate of 6% or higher, you may be able to take advantage of the lower fixed interest rates available today. Currently the average mortgage rates are right around the 4% range for well-qualified borrowers.

Mortgage after bankruptcy: How soon can you buy a home?. 2017 – 6 min read 6 Low or No Down Payment Mortgage Options for 2019 August 20, 2018 – 13 min read 10 biggest benefits to VA home loans.

As with chapter 13 bankruptcy, FHA regulations demand a full explanation to be submitted with the FHA home loan application. To get a new FHA insured mortgage loan after Chapter 7, the borrower must qualify financially, establish a history of good credit in the wake of the filing of the Chapter 7, and meet other FHA requirements.

get pre approved home loan U.S. Bank mortgage prequalification and pre-approval – Mortgage pre-approval: Making it official. pre-approval shows you have the resources to make the purchase and it helps you act quickly when you find the perfect home. From the sellers’ point of view, a pre-approved buyer is more attractive than someone who says they can buy a house but have nothing but their word to back up their offer.what is a lender letter Mortgage Commitment Letter: How to Seal the Deal – A mortgage commitment letter is a document that lets everyone in the real estate transaction (real estate agents, sellers, etc.) know that the lender is prepared to make a loan to the borrower. Loan commitments take a little longer than pre-qualifications or pre-approvals.

Will Filing for Chapter 7 Get Rid of My Mortgage? | Nolo – You won’t be responsible for paying your mortgage after filing for Chapter 7 bankruptcy, but you’ll have to give up the house. The lien rights that allow a lender to foreclose on the home, sell it, and use the proceeds to pay down the mortgage don’t go away in bankruptcy.

Good Credit – Bad Credit – No Credit + No Problem + We work with everyone towards home ownership! W hether you’re a first time home buyer, moving to a new home, or want to FHA refinance your existing conventional or FHA mortgage, we will show you how to purchase or refinance a home using our stated mortgage program or bank statement only mortgage program.

equity loan vs refinance A home equity loan is a lump-sum loan with a fixed interest rate. Home equity loans aren’t marketed as aggressively as HELOCs, which outnumber home equity loans about 4-to-1, according to CoreLogic.

Getting A Mortgage After Bankruptcy, Foreclosure Or Short Sale - What Is The Wait? Bankruptcy – Florida frequently asked questions – 6. What Different Types of Bankruptcy Should I Consider? There are four types of bankruptcy cases provided under the law: Chapter 7 is known as “straight” bankruptcy or “liquidation.” It requires a debtor to give up property which exceeds certain limits called.

Bankruptcy | Consequences of Bankruptcy – What is bankruptcy? Bankruptcy is a legal process that releases a person from almost all of their debts. You can apply to become bankrupt voluntarily if you have a debt of any amount you cannot pay.

Mortgage After Bankruptcy Lenders – Chapter 7 or Chapter 13 – Non. – These lenders offer options for both new home purchases, and refinance programs. Peoples Bank – Peoples Bank has multiple loan options after bankruptcy.

cash out first mortgage cash out 1st mortgage payday loans no credit check – cash out 1st mortgage bad credit loans guaranteed get it to day. online looking has now gone an extended means; it has changed the way shoppers and entrepreneurs do business nowadays.

todays mortgage refinance rates

How to refinance a mortgage – In other words, refinancing replaces your current mortgage loan with a new mortgage loan. A rate-and-term refinance loan replaces your current mortgage with a new loan that has a lower interest rate.

Check out current mortgage rates and save money by comparing your free, customized mortgage rates from NerdWallet. We’ll show both current and historic rates on several loan types.

Use this refinance calculator to see if refinancing your mortgage is right for you. calculate estimated monthly payments and rate options for a variety of loan terms to see if you can reduce your monthly mortgage payments.

Check out the mortgage rates charts below to find 30-year and 15-year mortgage rates for each of the different mortgage loans U.S. Bank offers. If you decide to purchase mortgage discount points at closing, your interest rate may be lower than the rates shown here.

current refinance rates 30 year fixed fha home appraisal process Buying a 2-4 Unit Home using an FHA Mortgage – Hello, I was curious with the strict fha inspection process, if I did want a 4 unit building, does all 4 units and the outside structure need to be 100% fha inspection compliant?

Today’s Thirty Year Mortgage Rates. When purchasing a home, one of the most confusing aspects of the process is selecting a loan. There are many different financial products to choose from, each of which has advantages and disadvantages.

Refinance rates tick lower for Friday – A month ago, the average rate on a 30-year fixed refinance was higher, at 4.05 percent. At the current average rate. You.

Refinance mortgage rate ticks higher for Monday – A month ago, the average rate on a 30-year fixed refinance was higher, at 4.05 percent. At the current average rate. You.

Current Mortgage Rates Today – View The Best Mortgage Rates – How to Tell if Current Mortgage Interest Rates Will Continue to Rise. Up until not long ago mortgage rates used to be very low, close to the lowest they have ever been. Rates have decreased to near record lows due to the recent housing market crash, which affected both homeowners and mortgage lenders. While millions of people have lost their.

Refinance your existing mortgage to lower your monthly payments, pay off your loan sooner, or access cash for a large purchase. Use our home value estimator to estimate the current value of your home. See our current refinance rates.

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Mortgage Rates Today | Refinance Rates | 30 & 15 Year. – Compare today?s mortgage and refinance rates from Citi.com. View current mortgage rates on 30 year and 15 year fixed mortgages. Get a customized rate and see more loan options.

pre approval letter online Purchase. Close Your Own Loan.com is your best source for online pre-approvals.. Whether you are a first time home buyer or an experienced pro, you want to be sure you are getting the best loan on the market and not just take the first loan that is offered to you.

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fha home appraisal process how to shop for a loan FHA premiums, fair housing, appraisal requirements top list of industry concerns for HUD – The Community home lenders association and the National Association. CHLA, however, took the time to highlight concerns in the appraisal process, asking for the elimination of the duplicative.

Fha Income Guidelines 2015 | Mhfafirsttimebuyer – Fha Dti Limits 2015 – Mapfe Tepeyac Mortgage Lending – Credit Score For fha 203k loan Fha Repair Requirements 2015 fha 203k credit score requirements Can You Get A Loan For Renovations What Is Fha 203b. May 14, 2017 – FHA loan requirements include a maximum debt-to-income ratio. FHA Loan Requirements and Underwriting.

2015 dti limits fha – Thetexasadvocates – PDF CALIFORNIA HOUSING FINANCE AGENCY CalHFA FHA Loan Program – UFMIP) cannot exceed fha loan limits for the county in which the property is located. fha high balance Loan Limits. The maximum total Debt-to-Income (DTI) ratio cannot exceed 45.00% for automated underwriting or 43.00% for manual under-Post navigation

Another Compelling Reason Why Housing Could Soar in 2015 – If successful, it would be yet another way that mortgage financing is becoming much easier to afford and obtain in 2015, and could. repay rule to a maximum debt-to-income ratio of 43%, but small.

eNote, Underwriting, and Compliance Products; Non-QM and Ginnie Securities Update – It was a busy 1Q for non-qualified mortgages (non-QM) securitization, with roughly $5.7 billion in UPB of non-QM securitized in 1Q19, the most active quarter in the market since the first transaction.

max ltv on cash out refinance how much equity calculator current refinance rates 30 year fixed fha home appraisal process Buying a 2-4 Unit Home using an FHA Mortgage – Hello, I was curious with the strict fha inspection process, if I did want a 4 unit building, does all 4 units and the outside structure need to be 100% fha inspection compliant?U.S. Bank | Home Equity Rate & Payment Calculator – Home equity rate & payment calculator. Tapping into your home equity may help you save money. Answer a few quick questions to get started. My credit score is around:. Use our home equity rate and payment calculator to determine if this is right for you.

FHA loan requirements include a maximum debt to income ratio. When a borrower applies for an FHA mortgage, they are required to disclose all debts, open lines of credit, and all possible approved sources of regular income.

PDF CALIFORNIA HOUSING FINANCE AGENCY CalHFA FHA Loan Program – UFMIP) cannot exceed FHA loan limits for the county in which the property is located. FHA High balance loan limits All loans with a base loan amount exceeding $484,350 will be subject to an additional fee. See CalHFA rate sheet for applicable fees. All FHA High Balance Loan fees will be net funded at the time of first mortgage pur-

Lenders offer new options for first-time and credit-challenged. – FHA loans: These products, insured by the Federal Housing. ($82,984 for a four -person household in the D.C. region in 2015), or you are buying a. An overall debt-to-income ratio of 38 percent, meaning that the minimum. “We adjust our income limits for participation in our loan programs by county,

Fha Loan Income Limits 2015 – FHA Lenders Near Me – The FHA requires a debt-to-income ratio of 50% or less, according to Brian Sullivan, public affairs specialist for the U.S. Department of Housing and Urban. The Federal Housing Administration is keeping reverse mortgage loan limits unchanged through 2015, with max claim amounts currently set at $625,500, the agency announced Friday.

apr vs interest rate calculator What is the difference between a mortgage interest rate and. – An annual percentage rate (APR) is a broader measure of the cost to you of borrowing money, also expressed as a percentage rate. In general, the APR reflects not only the interest rate but also any points, mortgage broker fees, and other charges that you pay to get the loan.low income house buying options Help Buying a New Home | USAGov – The program provides public housing residents and other low-income families that are first-time homebuyers with subsidies to use toward buying a home. For additional information about this program, contact your local public housing agency (PHA). Indian home loan guarantee program

FHA Mortgage Limits – FHA Mortgage Limits Welcome to the FHA Mortgage Limits page. This page allows you to look up the FHA or GSE mortgage limits for one or more areas, and list them by state, county, or metropolitan statistical area. The results page will also include a Median Sale Price value for each jurisdiction.

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First-Time Home-Buyers: How Much Do You Really Need to Save. – That’s based on an initial savings of $30,000, used as a down payment on a $300,000 house. Note that if our home buyers had saved $60,000 for the down payment, their monthly bill would drop to.

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Using an example of a 760 credit score, for a purchase-money mortgage, with a home price of $125,000 and an $8,000 down payment, and with a 30-year fixed-rate loan with a 4 percent interest rate and no appreciation expected, we find the following:

fha 30 year fixed rates best second mortgage deals You’re probably paying more for your car loan or mortgage than you should – For most Americans, automobiles are the largest- or second-largest household asset they own. And most cars are purchased with the help of an auto loan. And yet, while people often work hard to find.FHA 30-year, fixed-rate mortgage requires the payment of a mortgage insurance premium, usually for the life of the loan. An up-front fee of 1.75 percent of the loan amount gets charged at closing.

How to Get Money for a Down Payment on a House – 16. – 2. Shrink Your Required Down Payment With a Special Loan. If you’re looking to buy on an accelerated timetable, live in an expensive housing market, or doubt your ability to save for a 20% down payment on an acceptable house in your target neighborhood, look into special loan programs with lower down payment requirements.These can easily be found through LendingTree.

 · Shop for your new home the smart way. Learn how to calculate how much house you can afford before hitting that open house or applying for a mortgage.

You will almost never be able to use a personal loan for a down payment on a house. Shawn Proper, senior vice president of mortgage and consumer lending at Mars Bank, explains why. "One of the things we are required to do as a part of the underwriting process is verify outstanding debt and credit inquiries from the past three, six or 12 months," Proper says.

How Much is a Down Payment on a House? Do You Need 20 Percent. – A down payment on a home is a big action step to ensure you get the house you want, and the mortgage loan you want. Find out whether you need to follow the 20% percent rule or if you can get away.

How Much of a Down Payment Do I Need for a House? –  · A down payment is almost always needed for to purchase a new house. Find out exactly how much you need to buy the home of your dreams.

Saving money is the best way to accumulate the cash you’ll need to produce a down payment on a home. If you don’t have a goal in mind, however, it’s hard to know how much to save and for how.

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FHA, USDA, Conventional, and HARP, home loan guidelines and. – AMS Home Mortgages FHA, USDA, Conventional, and HARP, Home Loan Guidelines . Serving Memphis and Mid-South for over 20 Years . FHA Loans . FHA insured loans are a type of federal assistance and have historically allowed lower income Americans to borrow money for the purchase of a home that they would not otherwise be able to afford. To obtain mortgage insurance from the Federal Housing.

loan harp qualification – Fha230klenders – The HARP program is designed to help homeowners who owe too much on their mortgage to qualify for a traditional refinance loan. With HARP, you can refinance from a variable interest rate to a fixed rate and avoid paying for private mortgage insurance.

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FHA Bailout | The Housing Recover and Getting a Mortgage – The FHA currently guarantees about 16% of purchase mortgage loans. There is talk about the need for a FHA bailout, which could hurt a housing market recovery. Learn about why FHA loans are important.

What Is the HARP Loan Program? Do You Qualify? Harp Loan. – Despite the specifics of how to qualify for HARP, certain financial institutions are not required to refinance via the HARP program. Only those original servicers for the Freddie Mac and Fannie Mae guaranteed loans are mandated to participate. Popular Article: FHA Loan Requirements – What You Need to Know – FHA Mortgage & Home Loan Requirements

100 mortgage financing 2016 MORTGAGES AND loans financing: 100% financing bad credit. – If using a mortgage broker, they will be able to match you with sub prime lenders that offer 100% financing on a bad credit loan. In some instances, you may qualify for 103% financing . The latter option provides assistance with paying the closing costs and other fees.

HARP 2.0: What Is A HARP Loan and Do You Qualify | SuperMoney! – Discover how a HARP loan can help you save your home by lowering your monthly payments, lowering your rates, and improving your terms.. What Is A HARP Loan and Do You Qualify. Advertiser Disclosure.. FHA FAQ: Answers to the 19 Most Frequently Asked FHA Loans Questions.

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A second difference between the new programs and HARP is that there is no requirement for a particular start date for the loan you are refinancing. "HARP was limited to borrowers who had taken out their loan before June 1, 2009, and this is for anyone with an underwater loan regardless of when they took it out," says Gumbinger.

loan harp qualify – Fhaloanlimitspennsylvania – How Do Homeowners Qualify for a HARP Loan. – The HARP program is designed to help homeowners who owe too much on their mortgage to qualify for a traditional refinance loan. With HARP, homeowners can refinance from a variable interest rate to a fixed rate and avoid paying for private mortgage insurance.

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no money down mortgages 2016  · Can You Buy a House with No Money Down? The short answer is yes, you can.. a comparison of your payment on debts like credit cards and car and home loans to your monthly income, should be 45% or lower for the best chance of approval.. 2016 at 8:41 am Wawoo thts great No Down payments Thanks for sharing. Reply. Alex says:

Reasons For Refinancing a Home – cash-out refinancing – when is it smart to pay other debt? if you have a significant amount of outstanding debt (including credit card debt, home equity lines or loans. try the bills.com mortgage.

With a chase home equity line of credit (HELOC), you can use your home’s equity for home improvements, debt consolidation or other expenses. Before you apply, see our home equity rates, check your eligibility and use our HELOC calculator plus other tools.

Home Equity Line of Credit: The Annual Percentage Rate (APR) will vary with Prime Rate (the index) as published in the Wall Street Journal.As of May 18, 2019, the variable rate for Home Equity Lines of Credit ranged from 4.60% APR to 8.10% APR. Rates may vary due to a change in the Prime Rate, a credit limit below $100,000, a loan- to-value (LTV) above 70%, and/or a credit score less than 730.

interest only home mortgages Interest-Only Mortgage – Investopedia – An interest-only mortgage is a type of mortgage in which the mortgagor is required to pay only interest with the principal repaid in a lump sum at a specified date. Interest-only mortgages can be.

Chase customers who secure a new Chase home equity line of credit can save 0.25% off the standard variable home equity line of credit rate with qualifying personal deposit accounts including Chase personal checking and savings accounts, CDs, certain Chase Retirement CDs, or certain Chase Retirement money market accounts.

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Thinking about borrowing against your home’s equity? You’ve got company. Rather than buy a larger house, homeowners are expected to tap their equity at record levels this year to renovate and improve their homes, according to credit reporting bureau TransUnion. If you’re trying to determine.

To use our home equity line of credit calculator, simply plug in your current appraised value of your home, the amount you still owe on your home, your zip code and your self-rated credit. Our home equity calculator will then show you exactly how much equity you could borrow from your home.

HELOC Payment Calculator with Interest-Only and PI Calculations – HELOC Payment Calculator. This calculator will calculate the monthly interest-only home equity line of credit payment given your current balance and interest rate, plus calculate the principal and interest payment that will take effect once the draw period expires.

Home Calculator Chase Equity – architectview.com – Chase. Home equity line of credit rates. Use Calculators. home equity calculator. Enter your address to find out your estimated home value and mortgage balance to see how much you could borrow. Use the Chase Home Equity Line of Credit Calculator to show how much you may be able to borrow based on the value of your home.

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 · Check your credit report before you start apartment hunting so you know what’s in your credit history. You have credit reports with the three major credit bureaus and you should check all three of your credit reports since the landlord could check any of them. If you spot any inaccurate information, now’s the time to use the credit report dispute process to have the errors removed.

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What's the difference between a prequalification letter and a. – There’s not a lot of difference between a prequalification letter and a preapproval letter. While there are some legal distinctions, in practice both terms refer to a letter from a lender that says the lender is generally willing to lend to you, up to a certain amount and based on certain assumptions.

Mortgage Pre-approval vs Pre-qualification | Mortgages | BMO Harris – If you said browsing listings online or stopping by open houses, you may want to take a step back.. What will be included in my mortgage pre-approval letter?

Purchase. Close Your Own Loan.com is your best source for online pre-approvals.. Whether you are a first time home buyer or an experienced pro, you want to be sure you are getting the best loan on the market and not just take the first loan that is offered to you.

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 · When you make an offer on a home, the seller will want to know whether you’re pre-approved or pre-qualified for a loan. Here’s how they differ.

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Pre Approval Letter: Get Pre-Approved for a Home Loan Online – Now get pre-approved online for an accurate pre-approval analysis. View the best home loan options available to you instantly.

What Does Mortgage Pre-Approval Mean? An Advantage Buying a. – What does mortgage pre-approval mean? It means a lender has guaranteed to give you a home loan. Getting pre-approved for a mortgage before you make an offer on a house can help you stand out from.

ARRL Letter – There are some exceptions. TCBs are required to consult with FCC staff before granting certification for certain products under a procedure called pre-approval guidance (pag). "This procedure.

Shop for three mortgage lenders to get pre-approved with based on experience working with them, referrals from friends, family and other professionals you use, or find them based on the interest rates.

hud reverse mortgage guidelines HUD FHA Reverse Mortgage for Seniors (HECM) | HUD.gov / U.S. – Reverse mortgages are increasing in popularity with seniors who have equity in their homes and want to supplement their income. The only reverse mortgage insured by the U.S. Federal Government is called a Home equity conversion mortgage (hecm), and is only available through an FHA-approved lender.

Get Pre-Approved! – CalVet – CA.gov – Getting a pre-approval letter from CalVet Home Loans is the first step in the. Loan Originators or press Apply Now to start the pre-approval process online.

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Purchase. Close Your Own Loan.com is your best source for online pre-approvals.. Whether you are a first time home buyer or an experienced pro, you want to be sure you are getting the best loan on the market and not just take the first loan that is offered to you.

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Low Income House Buying Options | Hvpsold – Income house options buying – Honttu – Low-Income Senior Housing Options – Senior Housing – Low-income accepting facilities (usually those given a tax credit in exchange for accepting a certain percent of lower income residents) and government-assisted housing are two options providing food and 24-hour assistance.. How Much Home You Can.

home buying options for low income | Cityofmassena – In this article: Even with low income, there are many programs and options available to help you buy a home: The HomeReady and Home Possible loans feature low down payment requirements (just 3. The Low Income Home Buyer’s Tool Belt. Building a house takes a well-stocked tool belt, and so does buying one.

How to Buy a Home With a Low Income | Sapling.com – Housing Finance Agency Help. State-led housing finance agencies help low-income homebuyers with below-market-rate mortgages. Reserved for low- to moderate-income earners, loans from housing finance agencies also take into account factors that traditional lenders may not, such as household size, the number of a buyer’s dependents, disabilities, and government-assistance or subsidization the.

‘Reserve 20% area for low-income housing’ – But developers say the proposal in the current form is not a feasible option adding that combining low-income projects with luxury. sq m of land is too small an area to create housing for higher.

home buying options for low income | Apostolicfirehouse – If you are low-income earner, renting, let alone buying, a home is tough enough in most cities. While federal, state and local programs exist to help prospective low-income homeowners, each plan. 6 low and no down payment loan options for home buying in 2019. You can buy a home, even if you thought you could never save up the mythical 20% down.

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What Does the VA Say About Loans on Mobile Homes? – There are many factors that go into the VA’s maximum loan amount, but the first thing you should check is the VA loan limit for your county. For mobile homes, there are a number of additional factors that factor into VA loan approval including whether the mobile home is on a permanent foundation or not.

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You can finance a manufactured home with bad credit if you meet certain other qualifications. You may pay higher interest rates.. as mobile homes depreciate in value, while the alternative.

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You can finance mobile and manufactured homes through private lenders, the FHA, and VA-backed programs, but numerous rules apply.

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Even before you start shopping around for a mobile home, explore financing options from a number of sources to see who offers you the best rates and terms. You can find many of those sources on.

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