Tuesday, October 16, 2018

How to buy a house with bad credit and no down payment ?

By: Admin On: October 16, 2018
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    What's Going to Help You Get Approved?
    To get 100% financing on your mortgage, that means that you have no down payment, which puts more emphasis on the other factors going toward your mortgage loan. For example, you will need to be stronger in the areas like income, employment, recent payment history, low debt-to-income ratios. If you can strengthen some of these factors you will have a better chance of getting approved. If you can find a home with a low loan-to-value rate, that may also help your chances of getting approved.

    What's Going to Hurt You?
    A super recent bankruptcy or foreclosure. Although it is not impossible to get financing under these circumstances, it makes it more likely that you will need some kind of a down payment.

    Watch Out For Sub-prime Mortgage Scams - Borrowers with poor credit are often the target of inflated interest rates and excessive fees. With adverse credit history, you can expect to pay a slightly higher interest rate, but make sure you compare at least 2-3 other loan offers to be sure that your interest rate is competitive.

    What About After Bankruptcy Mortgages?
    You can expect to wait 2-3 years after the bankruptcy discharge date before mortgage lenders will be completely open to working with you. However, it's not impossible to get approved for a mortgage loan before that time, you just may need a small down payment.

    Beware of the Pre-Payment Penalty - Mortgage lenders lending to people with bad credit usually tack on a pre-payment penalty to the borrowers mortgage loan. If you are OK with a pre-payment penalty, make sure it is for a reasonable length of time, maybe 6 mo. to a year. You don't want to lock yourself in to higher interest rates for very long.




    Monday, October 15, 2018

    Financing Your Mobile Homes

    By: Admin On: October 15, 2018
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  • va loan, mobile home loan, financing mobile home, home loan, money lender,



    Trailer homes are the new trend today due to the market crash of 2008 and they are no longer called trailer homes. The new term for such mode of living is manufactured homes. These are housing for people who were affected by home foreclosures during the market crash and almost 19 million people are currently living on manufactured homes. This mode of living is considered much cheaper as there are no mortgages to pay and expenses to maintain this kind of living space is minimal. But for other people, trailer homes can also be used as rest and recreation vehicles as this could be brought to any places when having a vacation. But how could one avail such kind of living space if the financial capabilities are quite limited? Financial firms now have this loan package called mobile home loans.

    Mobile home loans are like other loans that are usually availed when one wants to acquire a manufactured home. It is much like a car loan or a boat loan but it is specifically used to acquire trailer homes. There are two ways on how to use this loan. The first one is used to finance a manufactured home, just like a normal home loan or mortgage. This loan can be used to upgrade to a better trailer home or to finance the maintenance of a manufactured home. The other method is used when wants to acquire a manufactured home that can be used for recreational activities such as camping or vacation. A financial firm finances the purchase of the manufactured home and the buyer repays the amount borrowed.

    Living in a manufactured home may look enticing for people who are living in a limited budget but it should be noted that this kind of loan may carry a high interest rate, much like a car loan due to the fact that the borrower may not be able to provide enough security to the lender for the loan that he or she is availing. The amount of this kind of loan may range from $23,000 to $94,000, depending on the purpose of the loan. The repayment period also ranges from 15 years to 25 years, depending also on the usage of the loan. Moreover, most lending firms would require a down payment ranging from 3.5% to 20% of the total loan amount. Lastly, most lending firms would require the borrower to have a good credit rating. If not, there are also lending firms who offer this loan to persons who have a bad credit rating in the past.

    Given the current trends on the housing market today, more and more people are being enticed to live in manufactured homes due to their low maintenance and mobility factors. This can be possible as most financial firms are now offering this kind of home loans for people who want to have homes that are within their budget.

    In retrospect, these are the following points one should remember about trailer home loans:

    · Mobile home loans are loans designed for individuals who want to live in a trailer homes or manufactured homes. These loans are also designed for individuals who want to purchase a trailer home for recreational purposes.

    · It may carry a high interest rate due to limited collateral that could be presented by a borrower.

    · Different loan packages are available and the amount that could be borrowed ranges from $23,000 to $94,000 and can be repaid in 15 to 20 years.

    · Financial firms who offer such loans would require a down payment and also a good credit rating although there are also lending firms that offer this loan to individuals who have bad credit ratings in the past.


    Article Source: http://EzineArticles.com/6712374


    Sunday, October 14, 2018

    Refinance Mortgage Florida

    By: Admin On: October 14, 2018
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    Refinance Mortgage Florida. The term 'mortgage' means a conditional conveyance of property as security for the repayment of a loan. There are two primary reasons for securing a mortgage - people generally either need it to live on or to use right away, or else they refinance to make future investment gains. Personal needs and financial conditions play an important role in buying a property.

    In the course of a mortgage, there may come a time when it is wise to utilize some part of what has already been put up as repayment for other purposes. You can easily do this by applying for mortgage refinancing.

    What is refinancing, and how do I apply for it in Florida?

    Refinancing is a fairly simple in concept - you simply take a new mortgage and use it to pay the current mortgage. Florida mortgage refinancing is particularly easy. As a Florida resident, you are eligible to receive Florida refinancing from different institutions, including the Federal Housing Administration. Other private lenders also offer mortgage refinancing.

    There are many other forms of housing loans (such as consolidation loans, land loans, conventional loans, balloon loans, etc.), but refinancing mortgage loans are by far the most flexible of them all. Refinance mortgage loans have several benefits, such as lower monthly payments, lower interest rates, and cash equity, among others. Refinancing a mortgage gives you the option of paying off your current mortgage earlier, or it can also help to lower the monthly payments.

    When is a good time to refinance your mortgage?

    If your existing mortgage is an adjustable-rate mortgage, then it is wise after several years (maybe five or so) to look for a fixed-rate mortgage with more competitive terms. Remember that the interest rates of your adjustable-rate mortgage can be very unpredictable, so it is best to protect yourself by refinancing with a fixed-rate mortgage.

    You should also refinance if you want to consolidate all your loans - use the money you can get from refinancing to pay off all your other debts so that you only have to deal with one creditor (the mortgage refinance lender).

    How do I refinance a mortgage?

    Before proceeding with the refinancing of the mortgage, check the current market price of the mortgaged property, credit reports, mortgage documents, and tax documents. Calculate the refinancing costs and compare them to your original mortgage costs.

    Be prepared to shell out some money to pay closing costs of the mortgage (such as appraisal fees, title fees, and closing agents' fees). Be ready with some pertinent documents required for refinancing, such as the settlement statement for the existing mortgage, proof of the property and the insurance, income documents, and several other documents, depending on the type of the mortgage and the refinancing options.


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    Tuesday, October 9, 2018

    3 Bedroom House Plan

    By: Admin On: October 09, 2018
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  • 3 Bedroom House Plan

    Va Loan, Zero Down Payment Homes, Bad Credit Home Loans,  First Time Buyer,

    Wednesday, October 3, 2018

    VA Loan requirements 2018

    By: Admin On: October 03, 2018
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  • VA loan requirements 2018

    Basic VA Service Requirements:

    1.  90 consecutive days of active duty service 
    2.  181 days of active duty service during peacetime
    3.  6+ years in the Reserves or National Guard 
    4.  Active-duty Service 
    5.  National Guard and Reserves  


    Dishonorably discharged veterans are ineligible for a VA mortgage.

     These minimum terms of service requirement may be waived for veterans in certain circumstances. If they were discharged due to government convenience, hardship, reduction in force, certain medical conditions or a service-connected disability.

     Who else is eligible for VA home loans:

    1.  Active duty Service 
    2.  Service persons on active duty who have served for 90 consecutive days of active service are eligible     
    3. Reservists and Members of the National Guard 
    4.  Cadets of the U.S. Military, Air Force, or Coast Guard Academy
    5.  World War II Merchant Seamen
    6.  Midshipmen at the U.S. Naval Academy 
    7.  U.S. Public Health Service officers 
    8.  National Oceanic & Atmospheric Administration officers

    VA Loan Limits 2018

    By: Admin On: October 03, 2018
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  •  VA Loan Limits 2018 (State and City Wise)


    VA Loan Limit 2018, VA Loan Limits, VA loan,

    STATESTATE CODECOUNTY/AREA2018 VA LOAN LIMITREGIONAL LOAN CENTER
    AlaskaAKALEUTIANS EAST$679,650Denver
    AlaskaAKALEUTIANS WEST$679,650Denver
    AlaskaAKANCHORAGE$679,650Denver
    AlaskaAKBETHEL$679,650Denver
    AlaskaAKBRISTOL BAY$679,650Denver
    AlaskaAKDENALI$679,650Denver
    AlaskaAKDILLINGHAM$679,650Denver
    AlaskaAKFAIRBANKS NORTH$679,650Denver
    AlaskaAKHAINES$679,650Denver
    AlaskaAKHOONAH-ANGOON$679,650Denver
    AlaskaAKJUNEAU$679,650Denver
    AlaskaAKKENAI PENINSULA$679,650Denver
    AlaskaAKKETCHIKAN GATEWAY$679,650Denver
    AlaskaAKKODIAK ISLAND$679,650Denver
    AlaskaAKKUSILVAK CENSUS AREA$679,650Denver
    AlaskaAKLAKE AND PENINSULA$679,650Denver
    AlaskaAKMATANUSKA-SUSITNA$679,650Denver
    AlaskaAKNOME$679,650Denver
    AlaskaAKNORTH SLOPE$679,650Denver
    AlaskaAKNORTHWEST ARCTIC$679,650Denver
    AlaskaAKPETERSBURG CENSUS AREA$679,650Denver
    AlaskaAKPRINCE OF WALES-HYDER$679,650Denver
    AlaskaAKSITKA$679,650Denver
    AlaskaAKSKAGWAY MUNICIPALITY$679,650Denver
    AlaskaAKSOUTHEAST FAIRBANKS$679,650Denver
    AlaskaAKVALDEZ-CORDOVA$679,650Denver
    AlaskaAKWRANGELL CITY/BOROUGH$679,650Denver
    AlaskaAKYAKUTAT CITY$679,650Denver
    AlaskaAKYUKON-KOYUKUK$679,650Denver
    CaliforniaCAALAMEDA$679,650Phoenix
    CaliforniaCAALPINE$463,450Phoenix
    CaliforniaCACONTRA COSTA$679,650Phoenix
    CaliforniaCAEL DORADO$517,500Phoenix
    CaliforniaCALOS ANGELES$679,650Phoenix
    CaliforniaCAMARIN$679,650Phoenix
    CaliforniaCAMONO$529,000Phoenix
    CaliforniaCAMONTEREY$615,250Phoenix
    CaliforniaCANAPA$679,650Phoenix
    CaliforniaCANEVADA$477,250Phoenix
    CaliforniaCAORANGE$679,650Phoenix
    CaliforniaCAPLACER$517,500Phoenix
    CaliforniaCASACRAMENTO$517,500Phoenix
    CaliforniaCASAN BENITO$679,650Phoenix
    CaliforniaCASAN DIEGO$649,750Phoenix
    CaliforniaCASAN FRANCISCO$679,650Phoenix
    CaliforniaCASAN LUIS OBISPO$615,250Phoenix
    CaliforniaCASAN MATEO$679,650Phoenix
    CaliforniaCASANTA BARBARA$625,500Phoenix
    CaliforniaCASANTA CLARA$679,650Phoenix
    CaliforniaCASANTA CRUZ$679,650Phoenix
    CaliforniaCASOLANO$460,000Phoenix
    CaliforniaCASONOMA$648,600Phoenix
    CaliforniaCAVENTURA$672,750Phoenix
    CaliforniaCAYOLO$517,500Phoenix
    ColoradoCOADAMS$529,000Denver
    ColoradoCOARAPAHOE$529,000Denver
    ColoradoCOBOULDER$578,450Denver
    ColoradoCOBROOMFIELD$529,000Denver
    ColoradoCOCLEAR CREEK$529,000Denver
    ColoradoCODENVER$529,000Denver
    ColoradoCODOUGLAS$529,000Denver
    ColoradoCOEAGLE$636,150Denver
    ColoradoCOELBERT$529,000Denver
    ColoradoCOGARFIELD$679,650Denver
    ColoradoCOGILPIN$529,000Denver
    ColoradoCOJEFFERSON$529,000Denver
    ColoradoCOLAKE$625,500Denver
    ColoradoCOPARK$529,000Denver
    ColoradoCOPITKIN$679,650Denver
    ColoradoCOROUTT$625,500Denver
    ColoradoCOSAN MIGUEL$625,500Denver
    ColoradoCOSUMMIT$625,500Denver
    ConnecticutCTFAIRFIELD$601,450Cleveland
    District of ColumbiaDCDISTRICT OF COLUMBIA$679,650Roanoke
    FloridaFLMONROE$529,000St. Petersburg
    GeorgiaGAGREENE$515,200Atlanta
    GuamGUGUAM$679,650Honolulu
    HawaiiHIHAWAII$679,650Honolulu
    HawaiiHIHONOLULU$721,050Honolulu
    HawaiiHIKALAWAO$679,650Honolulu
    HawaiiHIKAUAI$713,000Honolulu
    HawaiiHIMAUI$679,650Honolulu
    IdahoIDBLAINE$625,500Denver
    IdahoIDCAMAS$625,500Denver
    IdahoIDLINCOLN$625,500Denver
    IdahoIDTETON$679,650Denver
    MarylandMDANNE ARUNDEL$517,500Roanoke
    MarylandMDBALTIMORE$517,500Roanoke
    MarylandMDBALTIMORE CITY$517,500Roanoke
    MarylandMDCALVERT$679,650Roanoke
    MarylandMDCARROLL$517,500Roanoke
    MarylandMDCHARLES$679,650Roanoke
    MarylandMDFREDERICK$679,650Roanoke
    MarylandMDHARFORD$517,500Roanoke
    MarylandMDHOWARD$517,500Roanoke
    MarylandMDMONTGOMERY$679,650Roanoke
    MarylandMDPRINCE GEORGE'S$679,650Roanoke
    MarylandMDQUEEN ANNE'S$517,500Roanoke
    MassachusettsMADUKES$679,650Cleveland
    MassachusettsMAESSEX$603,750Cleveland
    MassachusettsMAMIDDLESEX$603,750Cleveland
    MassachusettsMANANTUCKET$679,650Cleveland
    MassachusettsMANORFOLK$603,750Cleveland
    MassachusettsMAPLYMOUTH$603,750Cleveland
    MassachusettsMASUFFOLK$603,750Cleveland
    New HampshireNHROCKINGHAM$603,750Cleveland
    New HampshireNHSTRAFFORD$603,750Cleveland
    New JerseyNJBERGEN$679,650Cleveland
    New JerseyNJESSEX$679,650Cleveland
    New JerseyNJHUDSON$679,650Cleveland
    New JerseyNJHUNTERDON$679,650Cleveland
    New JerseyNJMIDDLESEX$679,650Cleveland
    New JerseyNJMONMOUTH$679,650Cleveland
    New JerseyNJMORRIS$679,650Cleveland
    New JerseyNJOCEAN$679,650Cleveland
    New JerseyNJPASSAIC$679,650Cleveland
    New JerseyNJSOMERSET$679,650Cleveland
    New JerseyNJSUSSEX$679,650Cleveland
    New JerseyNJUNION$679,650Cleveland
    New YorkNYBRONX$679,650Cleveland
    New YorkNYDUTCHESS$679,650Cleveland
    New YorkNYKINGS$679,650Cleveland
    New YorkNYNASSAU$679,650Cleveland
    New YorkNYNEW YORK$679,650Cleveland
    New YorkNYORANGE$679,650Cleveland
    New YorkNYPUTNAM$679,650Cleveland
    New YorkNYQUEENS$679,650Cleveland
    New YorkNYRICHMOND$679,650Cleveland
    New YorkNYROCKLAND$679,650Cleveland
    New YorkNYSUFFOLK$679,650Cleveland
    New YorkNYWESTCHESTER$679,650Cleveland
    North CarolinaNCCAMDEN$625,500Atlanta
    North CarolinaNCCURRITUCK$458,850Atlanta
    North CarolinaNCGATES$458,850Atlanta
    North CarolinaNCHYDE$483,000Atlanta
    North CarolinaNCPASQUOTANK$625,500Atlanta
    North CarolinaNCPERQUIMANS$625,500Atlanta
    Northern Mariana IslandsMPNORTHERN ISLAND$524,400Honolulu
    Northern Mariana IslandsMPSAIPAN$529,000Honolulu
    Northern Mariana IslandsMPTINIAN$532,450Honolulu
    OregonORHood River$454,250Denver
    PennsylvaniaPAPIKE$679,650Cleveland
    TenneseeTNCANNON$494,500Roanoke
    TenneseeTNCHEATHAM$494,500Roanoke
    TenneseeTNDAVIDSON$494,500Roanoke
    TenneseeTNDICKSON$494,500Roanoke
    TenneseeTNHICKMAN$494,500Roanoke
    TenneseeTNMACON$494,500Roanoke
    TenneseeTNMAURY$494,500Roanoke
    TenneseeTNROBERTSON$494,500Roanoke
    TenneseeTNRUTHERFORD$494,500Roanoke
    TenneseeTNSMITH$494,500Roanoke
    TenneseeTNSUMNER$494,500Roanoke
    TenneseeTNTROUSDALE$494,500Roanoke
    TenneseeTNWILLIAMSON$494,500Roanoke
    TenneseeTNWILSON$494,500Roanoke
    UtahUTSALT LAKE$600,300Denver
    UtahUTSUMMIT$679,650Denver
    UtahUTTOOELE$600,300Denver
    Virgin IslandsVIST. CROIX$679,650St. Petersburg
    Virgin IslandsVIST. JOHN$679,650St. Petersburg
    Virgin IslandsVIST. THOMAS$679,650St. Petersburg
    VirginiaVAALEXANDRIA$679,650Roanoke
    VirginiaVAAMELIA$535,900Roanoke
    VirginiaVAARLINGTON$679,650Roanoke
    VirginiaVACAROLINE$535,900Roanoke
    VirginiaVACHARLES CITY$535,900Roanoke
    VirginiaVACHESAPEAKE$458,850Roanoke
    VirginiaVACHESTERFIELD$535,900Roanoke
    VirginiaVACLARKE$679,650Roanoke
    VirginiaVACOLONIAL HEIGHTS$535,900Roanoke
    VirginiaVACULPEPER$679,650Roanoke
    VirginiaVACUMBERLAND$535,900Roanoke
    VirginiaVADINWIDDIE$535,900Roanoke
    VirginiaVAFAIRFAX$679,650Roanoke
    VirginiaVAFAIRFAX INDEPENDENT CITY$679,650Roanoke
    VirginiaVAFALLS CHURCH$679,650Roanoke
    VirginiaVAFAUQUIER$679,650Roanoke
    VirginiaVAFREDERICKSBURG$679,650Roanoke
    VirginiaVAGLOUCESTER$458,850Roanoke
    VirginiaVAGOOCHLAND$535,900Roanoke
    VirginiaVAHAMPTON$458,850Roanoke
    VirginiaVAHANOVER$535,900Roanoke
    VirginiaVAHENRICO$535,900Roanoke
    VirginiaVAHOPEWELL$535,900Roanoke
    VirginiaVAISLE OF WIGHT$458,850Roanoke
    VirginiaVAJAMES CITY$458,850Roanoke
    VirginiaVAKING AND QUEEN$535,900Roanoke
    VirginiaVAKING WILLIAM$535,900Roanoke
    VirginiaVALOUDOUN$679,650Roanoke
    VirginiaVALOUISA$535,900Roanoke
    VirginiaVAMANASSAS$679,650Roanoke
    VirginiaVAMANASSAS PARK$679,650Roanoke
    VirginiaVAMATHEWS$458,850Roanoke
    VirginiaVANEW KENT$535,900Roanoke
    VirginiaVANEWPORT NEWS$458,850Roanoke
    VirginiaVANORFOLK$458,850Roanoke
    VirginiaVAPETERSBURG$535,900Roanoke
    VirginiaVAPOQUOSON$458,850Roanoke
    VirginiaVAPORTSMOUTH$458,850Roanoke
    VirginiaVAPOWHATAN$535,900Roanoke
    VirginiaVAPRINCE GEORGE$535,900Roanoke
    VirginiaVAPRINCE WILLIAM$679,650Roanoke
    VirginiaVARAPPAHANNOCK$679,650Roanoke
    VirginiaVARICHMOND INDEPENDENT CITY$535,900Roanoke
    VirginiaVASPOTSYLVANIA$679,650Roanoke
    VirginiaVASTAFFORD$679,650Roanoke
    VirginiaVASUFFOLK$458,850Roanoke
    VirginiaVASURRY$458,850Roanoke
    VirginiaVASUSSEX$535,900Roanoke
    VirginiaVAVIRGINIA BEACH$458,850Roanoke
    VirginiaVAWARREN$679,650Roanoke
    VirginiaVAWILLIAMSBURG$458,850Roanoke
    VirginiaVAYORK$458,850Roanoke
    WashingtonWAKING$667,000Denver
    WashingtonWAPIERCE$667,000Denver
    WashingtonWASAN JUAN$483,000Denver
    WashingtonWASNOHOMISH$667,000Denver
    West VirginiaWVJEFFERSON$679,650Roanoke
    WyomingWYTETON$679,650Denver  

    FHA Mortgage Insurance Program 
    Regional Loan Center Info:

    Cleveland Department of Veterans Affairs VA Regional Loan Center 
    1240 East Ninth Street Cleveland, OH 44199

    Denver Department of Veterans Affairs VA Regional Loan Center 
    155 Van Gordon Street Lakewood, CO 80228

     Honolulu Department of Veterans Affairs VA Regional Office Loan Guaranty Division (26) 459 Patterson Rd. Honolulu, HI 96819

    * Not an RLC but can handle all Loan Guaranty matters for Hawaii. Phoenix Department of Veterans Affairs VA Regional Loan Center 3333 N. Central Avenue Phoenix, AZ 85012-2402

    Roanoke Department of Veterans Affairs VA Regional Loan Center 210 First Street Roanoke, VA 24011

     St. Paul Department of Veterans Affairs VA Regional Loan Center 1 Federal Drive, Ft. Snelling. St. Paul, MN 55111

     St. Petersburg Department of Veterans Affairs VA Regional Loan Center 9500 Bay Pines Blvd. St. Petersburg, FL 33708

    VA Loan Limits 2017

    By: Admin On: October 03, 2018
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  • VA Loan Limits 2017

    Va Loan Limits, Va County Va Loan Limits, Va Loan Requirements 2018,


    2017 VA Loan Limits
    The 2017 VA loan limit increased to $424,100 in 2017 from $417,000 except in 238 high cost counties where they are higher. For comparison there are 3,143 counties and county equivalents. The maximum conforming VA loan limits for mortgages acquired by Fannie Mae and Freddie Mac are determined by the The Federal Housing Finance Agency (FHFA).
    2017 VA Loan limits apply to all loans closed January 1, 2017 through December 31, 2017.

    2017 VA Loan Limits

    STATESTATE CODECOUNTY/AREA2017 VA LOAN LIMITRegional Loan Center
    AlaskaAKALEUTIANS EAST$636,150 Denver
    AlaskaAKALEUTIANS WEST$636,150 Denver
    AlaskaAKANCHORAGE$636,150 Denver
    AlaskaAKBETHEL$636,150 Denver
    AlaskaAKBRISTOL BAY$636,150 Denver
    AlaskaAKDENALI$636,150 Denver
    AlaskaAKDILLINGHAM$636,150 Denver
    AlaskaAKFAIRBANKS NORTH$636,150 Denver
    AlaskaAKHAINES$636,150 Denver
    AlaskaAKHOONAH-ANGOON$636,150 Denver
    AlaskaAKJUNEAU$636,150 Denver
    AlaskaAKKENAI PENINSULA$636,150 Denver
    AlaskaAKKETCHIKAN GATEWAY$636,150 Denver
    AlaskaAKKODIAK ISLAND$636,150 Denver
    AlaskaAKKUSILVAK CENSUS AREA$636,150 Denver
    AlaskaAKLAKE AND PENINSULA$636,150 Denver
    AlaskaAKMATANUSKA-SUSITNA$636,150 Denver
    AlaskaAKNOME$636,150 Denver
    AlaskaAKNORTH SLOPE$636,150 Denver
    AlaskaAKNORTHWEST ARCTIC$636,150 Denver
    AlaskaAKPETERSBURG CENSUS AREA$636,150 Denver
    AlaskaAKPRINCE OF WALES-HYDER$636,150 Denver
    AlaskaAKSITKA$636,150 Denver
    AlaskaAKSKAGWAY MUNICIPALITY$636,150 Denver
    AlaskaAKSOUTHEAST FAIRBANKS$636,150 Denver
    AlaskaAKVALDEZ-CORDOVA$636,150 Denver
    AlaskaAKWRANGELL CITY/BOROUGH$636,150 Denver
    AlaskaAKYAKUTAT CITY$636,150 Denver
    AlaskaAKYUKON-KOYUKUK$636,150 Denver
    CaliforniaCAALAMEDA$636,150 Phoenix
    CaliforniaCAALPINE$463,450 Phoenix
    CaliforniaCACONTRA COSTA$636,150 Phoenix
    CaliforniaCAEL DORADO$488,750 Phoenix
    CaliforniaCALOS ANGELES$636,150 Phoenix
    CaliforniaCAMARIN$636,150 Phoenix
    CaliforniaCAMONO$529,000 Phoenix
    CaliforniaCAMONTEREY$575,000 Phoenix
    CaliforniaCANAPA$636,150 Phoenix
    CaliforniaCANEVADA$477,250 Phoenix
    CaliforniaCAORANGE$636,150 Phoenix
    CaliforniaCAPLACER$488,750 Phoenix
    CaliforniaCASACRAMENTO$488,750 Phoenix
    CaliforniaCASAN BENITO$636,150 Phoenix
    CaliforniaCASAN DIEGO$612,950 Phoenix
    CaliforniaCASAN FRANCISCO$636,150 Phoenix
    CaliforniaCASAN LUIS OBISPO$586,600 Phoenix
    CaliforniaCASAN MATEO$636,150 Phoenix
    CaliforniaCASANTA BARBARA$636,150 Phoenix
    CaliforniaCASANTA CLARA$636,150 Phoenix
    CaliforniaCASANTA CRUZ$636,150 Phoenix
    CaliforniaCASOLANO$431,250 Phoenix
    CaliforniaCASONOMA$595,700 Phoenix
    CaliforniaCAVENTURA$636,150 Phoenix
    CaliforniaCAYOLO$488,750 Phoenix
    ColoradoCOADAMS$493,350 Denver
    ColoradoCOARAPAHOE$493,350 Denver
    ColoradoCOBOULDER$529,000 Denver
    ColoradoCOBROOMFIELD$493,350 Denver
    ColoradoCOCLEAR CREEK$493,350 Denver
    ColoradoCODENVER$493,350 Denver
    ColoradoCODOUGLAS$493,350 Denver
    ColoradoCOEAGLE$636,150 Denver
    ColoradoCOELBERT$493,350 Denver
    ColoradoCOGARFIELD$636,150 Denver
    ColoradoCOGILPIN$493,350 Denver
    ColoradoCOHINSDALE$427,800 Denver
    ColoradoCOJEFFERSON$493,350 Denver
    ColoradoCOLAKE$625,500 Denver
    ColoradoCOOURAY$425,500 Denver
    ColoradoCOPARK$493,350 Denver
    ColoradoCOPITKIN$636,150 Denver
    ColoradoCOROUTT$625,500 Denver
    ColoradoCOSAN MIGUEL$625,500 Denver
    ColoradoCOSUMMIT$625,500 Denver
    ConnecticutCTFAIRFIELD$601,450 Cleveland
    District of ColumbiaDCDISTRICT OF COLUMBIA$636,150 Roanoke
    FloridaFLCOLLIER$450,800 St. Petersburg
    FloridaFLMONROE$529,000 St. Petersburg
    GeorgiaGAGREENE$515,200 Atlanta
    GuamGUGUAM$636,150 Honolulu
    HawaiiHIHAWAII$636,150 Honolulu
    HawaiiHIHONOLULU$721,050 Honolulu
    HawaiiHIKALAWAO$657,800 Honolulu
    HawaiiHIKAUAI$713,000 Honolulu
    HawaiiHIMAUI$657,800 Honolulu
    IdahoIDBLAINE$625,500 Denver
    IdahoIDCAMAS$625,500 Denver
    IdahoIDLINCOLN$625,500 Denver
    IdahoIDTETON$636,150 Denver
    MarylandMDANNE ARUNDEL$517,500 Roanoke
    MarylandMDBALTIMORE$517,500 Roanoke
    MarylandMDBALTIMORE CITY$517,500 Roanoke
    MarylandMDCALVERT$636,150 Roanoke
    MarylandMDCARROLL$517,500 Roanoke
    MarylandMDCHARLES$636,150 Roanoke
    MarylandMDFREDERICK$636,150 Roanoke
    MarylandMDHARFORD$517,500 Roanoke
    MarylandMDHOWARD$517,500 Roanoke
    MarylandMDMONTGOMERY$636,150 Roanoke
    MarylandMDPRINCE GEORGE'S$636,150 Roanoke
    MarylandMDQUEEN ANNE'S$517,500 Roanoke
    MassachusettsMABRISTOL$426,650 Cleveland
    MassachusettsMADUKES$636,150 Cleveland
    MassachusettsMAESSEX$598,000 Cleveland
    MassachusettsMAMIDDLESEX$598,000 Cleveland
    MassachusettsMANANTUCKET$636,150 Cleveland
    MassachusettsMANORFOLK$598,000 Cleveland
    MassachusettsMAPLYMOUTH$598,000 Cleveland
    MassachusettsMASUFFOLK$598,000 Cleveland
    NebraskaNELINCOLN$433,660 St. Paul
    NebraskaNELOGAN$433,660 St. Paul
    NebraskaNEMCPHERSON$433,660 St. Paul
    New HampshireNHROCKINGHAM$598,000 Cleveland
    New HampshireNHSTRAFFORD$598,000 Cleveland
    New JerseyNJBERGEN$636,150 Cleveland
    New JerseyNJESSEX$636,150 Cleveland
    New JerseyNJHUDSON$636,150 Cleveland
    New JerseyNJHUNTERDON$636,150 Cleveland
    New JerseyNJMIDDLESEX$636,150 Cleveland
    New JerseyNJMONMOUTH$636,150 Cleveland
    New JerseyNJMORRIS$636,150 Cleveland
    New JerseyNJOCEAN$636,150 Cleveland
    New JerseyNJPASSAIC$636,150 Cleveland
    New JerseyNJSOMERSET$636,150 Cleveland
    New JerseyNJSUSSEX$636,150 Cleveland
    New JerseyNJUNION$636,150 Cleveland
    New YorkNYBRONX$636,150 Cleveland
    New YorkNYDUTCHESS$636,150 Cleveland
    New YorkNYKINGS$636,150 Cleveland
    New YorkNYNASSAU$636,150 Cleveland
    New YorkNYNEW YORK$636,150 Cleveland
    New YorkNYORANGE$636,150 Cleveland
    New YorkNYPUTNAM$636,150 Cleveland
    New YorkNYQUEENS$636,150 Cleveland
    New YorkNYRICHMOND$636,150 Cleveland
    New YorkNYROCKLAND$636,150 Cleveland
    New YorkNYSUFFOLK$636,150 Cleveland
    New YorkNYWESTCHESTER$636,150 Cleveland
    North CarolinaNCCAMDEN$625,500 Atlanta
    North CarolinaNCCURRITUCK$458,850 Atlanta
    North CarolinaNCGATES$458,850 Atlanta
    North CarolinaNCHYDE$483,000 Atlanta
    North CarolinaNCPASQUOTANK$625,500 Atlanta
    North CarolinaNCPERQUIMANS$625,500 Atlanta
    Northern Mariana IslandsMPNORTHERN ISLAND$524,400 Honolulu
    Northern Mariana IslandsMPSAIPAN$529,000 Honolulu
    Northern Mariana IslandsMPTINIAN$532,450 Honolulu
    PennsylvaniaPAPIKE$636,150 Cleveland
    Rhode IslandRIBRISTOL$426,650 Cleveland
    Rhode IslandRIKENT$426,650 Cleveland
    Rhode IslandRINEWPORT$426,650 Cleveland
    Rhode IslandRIPROVIDENCE$426,650 Cleveland
    Rhode IslandRIWASHINGTON$426,650 Cleveland
    TenneseeTNCANNON$466,900 Roanoke
    TenneseeTNCHEATHAM$466,900 Roanoke
    TenneseeTNDAVIDSON$466,900 Roanoke
    TenneseeTNDICKSON$466,900 Roanoke
    TenneseeTNHICKMAN$466,900 Roanoke
    TenneseeTNMACON$466,900 Roanoke
    TenneseeTNMAURY$466,900 Roanoke
    TenneseeTNROBERTSON$466,900 Roanoke
    TenneseeTNRUTHERFORD$466,900 Roanoke
    TenneseeTNSMITH$466,900 Roanoke
    TenneseeTNSUMNER$466,900 Roanoke
    TenneseeTNTROUSDALE$466,900 Roanoke
    TenneseeTNWILLIAMSON$466,900 Roanoke
    TenneseeTNWILSON$466,900 Roanoke
    UtahUTSALT LAKE$600,300 Denver
    UtahUTSUMMIT$636,150 Denver
    UtahUTTOOELE$600,300 Denver
    Virgin IslandsVIST. CROIX$636,150 St. Petersburg
    Virgin IslandsVIST. JOHN$636,150 St. Petersburg
    Virgin IslandsVIST. THOMAS$636,150 St. Petersburg
    VirginiaVAALBEMARLE$437,000 Roanoke
    VirginiaVAALEXANDRIA$636,150 Roanoke
    VirginiaVAAMELIA$535,900 Roanoke
    VirginiaVAARLINGTON$636,150 Roanoke
    VirginiaVABUCKINGHAM$437,500 Roanoke
    VirginiaVACAROLINE$535,900 Roanoke
    VirginiaVACHARLES CITY$535,900 Roanoke
    VirginiaVACHARLOTTESVILLE$437,000 Roanoke
    VirginiaVACHESAPEAKE$458,850 Roanoke
    VirginiaVACHESTERFIELD$535,900 Roanoke
    VirginiaVACLARKE$636,150 Roanoke
    VirginiaVACOLONIAL HEIGHTS$535,900 Roanoke
    VirginiaVACULPEPER$636,150 Roanoke
    VirginiaVACUMBERLAND$535,900 Roanoke
    VirginiaVADINWIDDIE$535,900 Roanoke
    VirginiaVAFAIRFAX$636,150 Roanoke
    VirginiaVAFAIRFAX INDEPENDENT CITY$636,150 Roanoke
    VirginiaVAFALLS CHURCH$636,150 Roanoke
    VirginiaVAFAUQUIER$636,150 Roanoke
    VirginiaVAFLUVANNA$458,850 Roanoke
    VirginiaVAFREDERICKSBURG$636,150 Roanoke
    VirginiaVAGLOUCESTER$458,850 Roanoke
    VirginiaVAGOOCHLAND$535,900 Roanoke
    VirginiaVAGREENE$437,000 Roanoke
    VirginiaVAHAMPTON$458,850 Roanoke
    VirginiaVAHANOVER$535,900 Roanoke
    VirginiaVAHENRICO$535,900 Roanoke
    VirginiaVAHOPEWELL$535,900 Roanoke
    VirginiaVAISLE OF WIGHT$458,850 Roanoke
    VirginiaVAJAMES CITY$458,850 Roanoke
    VirginiaVAKING AND QUEEN$535,900 Roanoke
    VirginiaVAKING WILLIAM$535,900 Roanoke
    VirginiaVALANCASTER$442,750 Roanoke
    VirginiaVALOUDOUN$636,150 Roanoke
    VirginiaVALOUISA$535,900 Roanoke
    VirginiaVAMANASSAS$636,150 Roanoke
    VirginiaVAMANASSAS PARK$636,150 Roanoke
    VirginiaVAMATHEWS$458,850 Roanoke
    VirginiaVANELSON$437,000 Roanoke
    VirginiaVANEW KENT$535,900 Roanoke
    VirginiaVANEWPORT NEWS$458,850 Roanoke
    VirginiaVANORFOLK$458,850 Roanoke
    VirginiaVAPETERSBURG$535,900 Roanoke
    VirginiaVAPOQUOSON$458,850 Roanoke
    VirginiaVAPORTSMOUTH$458,850 Roanoke
    VirginiaVAPOWHATAN$535,900 Roanoke
    VirginiaVAPRINCE GEORGE$535,900 Roanoke
    VirginiaVAPRINCE WILLIAM$636,150 Roanoke
    VirginiaVARAPPAHANNOCK$636,150 Roanoke
    VirginiaVARICHMOND INDEPENDENT CITY$535,900 Roanoke
    VirginiaVASPOTSYLVANIA$636,150 Roanoke
    VirginiaVASTAFFORD$636,150 Roanoke
    VirginiaVASUFFOLK$458,850 Roanoke
    VirginiaVASURRY$458,850 Roanoke
    VirginiaVASUSSEX$535,900 Roanoke
    VirginiaVAVIRGINIA BEACH$458,850 Roanoke
    VirginiaVAWARREN$636,150 Roanoke
    VirginiaVAWILLIAMSBURG$458,850 Roanoke
    VirginiaVAYORK$458,850 Roanoke
    WashingtonWAKING$592,250 Denver
    WashingtonWAPIERCE$592,250 Denver
    WashingtonWASAN JUAN$483,000 Denver
    WashingtonWASNOHOMISH$592,250 Denver
    West VirginiaWVJEFFERSON$636,150 Roanoke
    WyomingWYTETON$636,150 Denver

    FHA Mortgage Insurance Program

    Regional Loan Center Info:

    Cleveland Department of Veterans Affairs
    VA Regional Loan Center
    1240 East Ninth Street
    Cleveland, OH 44199
    Denver Department of Veterans Affairs
    VA Regional Loan Center
    155 Van Gordon Street
    Lakewood, CO 80228

    Honolulu Department of Veterans Affairs
    VA Regional Office
    Loan Guaranty Division (26)
    459 Patterson Rd.
    Honolulu, HI 96819
    * Not an RLC but can handle all Loan Guaranty matters for Hawaii.

    Phoenix Department of Veterans Affairs
    VA Regional Loan Center
    3333 N. Central Avenue
    Phoenix, AZ 85012-2402
    Roanoke Department of Veterans Affairs
    VA Regional Loan Center
    210 First Street
    Roanoke, VA 24011

    St. Paul Department of Veterans Affairs
    VA Regional Loan Center
    1 Federal Drive, Ft. Snelling.
    St. Paul, MN 55111

    St. Petersburg Department of Veterans Affairs
    VA Regional Loan Center
    9500 Bay Pines Blvd.
    St. Petersburg, FL 33708