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The Money IDEA

Ideas on How to Save and Ideas for What to Do with Your Savings!

Why Now May Be the Right Time to Buy Your First House

9/30/2020

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Why Now May Be the Right Time to Buy Your First House

Do the Math: Buying a home now may be more affordable and save some cash

Why Now May Be the Right Time to Buy Your First House

Do the Math: Buying a home now may be more affordable and save some cash

Photo courtesy of Brandpoint

At a time when the strength of the U.S. economy and personal finance is on most renters’ minds, low down payment mortgage options are more appealing than ever. With mortgage interest rates being at historic lows, it is possible to qualify for a home loan while keeping a rainy day fund.

Private mortgage insurance (MI) has been around for decades and helped over 1.3 million homebuyers last year. It is a temporary cost that allows for a down payment as small as 3% of the purchase price. While some borrowers wait until they save 20% for a down payment, the added years of saving can translate to higher interest rates and more expensive home prices.

Renters who are on the hunt to buy should do the math and consider what is best for them, because many times they will find that buying with a low down payment insured mortgage is in their best interest. It may enable them to attain homeownership sooner than they otherwise could, which helps them take advantage of historic low rates and keep some of their savings intact,” said Lindsey Johnson, President of U.S. Mortgage Insurers (USMI).

If you are one of these renters looking to buy your first home but don’t have 20% down, don’t worry, you are not alone. According to the National Association of Realtors, the median down payment in 2019 was 6% for first-time buyers.

It is true you can qualify for a conventional mortgage with a down payment as small as 3% of the purchase price. In today’s market, it could take a family earning the national median income up to 21 years to save 20%, according to calculations by USMI.

Photo by Alexander Andrews on Unsplash

How can buying now save you money later?

Consider you want to purchase a $275,000 home. When you account for closing costs (about 3% of the sales price), a 5% down payment is $13,750 versus $63,250 in cash for 20% down. With a 740 credit score at today’s MI rates, your monthly MI payment would be about $115, which is added to your monthly mortgage payment until the MI can be cancelled. MI typically cancels after five years.

With home price appreciation, today’s $275,000 home will likely cost more in the years ahead. This will also have an impact on the necessary down payment and length of time required to save for it. There are other variables in the equation too, such as interest rates. As interest rates rise, so too will the cost of mortgage financing.

Not all MI is the same. Importantly, so-called “FHA Loans” are government-backed loans insured by the Federal Housing Administration versus a private insurer. These mortgages require a slightly higher down payment, the insurance is permanent, and the monthly premiums generally cannot be cancelled.

Make sure you do the math. There are many online mortgage calculators that can help. Check out lowdownpaymentfacts.org to learn more. (BPT)

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What to Know About the Finances of Buying Your First Home

1/15/2020

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Ready to own your own home? Ready to make the investment of your lifetime? Here are three things to know financially when buying your first home.


Preparing to buy your first home is both exciting and stressful. Before you start down the road of home ownership, it is vital that you have all of your finances in order and that you fully understand what is in store for your budget. Here are three things to know financially when buying your first home.

Mortgage and Down Payments

The world of mortgages and down payments can be confusing for the first-time homebuyer. Understanding the differences between a fixed-rate and an adjustable mortgage will help you to make a more informed decision. You also need to plan how much money you want to put down on the home. There are several advantages of placing a 5 percent down payment, but it’s important to consider what works best for you and your financial situation. Keep in mind that if you put less than 20 percent down, it is likely you will be charged a monthly fee for private mortgage insurance (PMI). Consider the pros and cons as you're weighing the offsetting advantages of placing a 5 percent down payment.

Set a Price Range

Picking the right price range is an imperative step in finding the right house for your personal needs and your budget. When it comes to real estate, timing is everything. If you are shopping in a buyer's market, you are going to get more for your dollar. There are a host of online tools to help you figure out how much home you can afford. A lot of times, a real estate agent can also help you to figure out how much you can afford. You also need to examine your current and projected lifestyle to determine how much you can spend. For example, if you plan on having children in the future, you need to add these costs to your overall budget, especially if one parent plans on staying home with the kids.

Budget for Extra Expenses

The costs of purchasing a house go well beyond the basic outlay for the down payment and insurance. Chances are that if this is your first home, you will be upgrading to a significant amount of additional space. This will likely necessitate that you set aside extra money for new furnishings. If you are moving into a newly constructed home, it is also probable that you will need a budget for landscaping. Depending on the condition of the home, you will want to have some cash on hand for repairs and renovations.

Equipping yourself with the right tools and knowledge will help the process of buying your first home go more smoothly. All of the stress will be worth it once you are relaxing in a place you own.

Related: Real Estate in the Digital Age: Why you still want an agent by your side


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What to Keep in Mind About Finances When You're Buying Your First Home

12/31/2019

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Think you are ready to "take the leap" and buy your first home? Here's things you need to think about and do as you get ready to make your biggest investment.


Buying your first home counts as one of life's rites of passage. It's an exciting time, but it's also fraught with some legitimate concerns. It's best to deal with those concerns before you get too involved in the process. This allows you to make better decisions overall. Here are some factors to keep in mind as you're moving through the pre-buying process.

Determine Your Price Range

Probably the biggest factor in your home-buying venture is price. You'll have to determine how much money you can afford to pay for a home mortgage each month. While it's natural to want to dream a bit when you're buying your first home, it's easy to get carried away with these feelings. If this happens, you could wind up trying to buy a home you can't afford. It's better to find a home that doesn't force you to pay more than you currently do for rent. It's even better if you find a home that costs less.

Mortgage and Down Payments

Many banks require you to have at least 20% of the home's purchase cost to put down before they even think about lending you money. However, that can be a significant amount for someone to put aside. For example, if you want to buy a home worth $300,000, you're looking at a $60,000 down payment. If you find yourself in this predicament, you may want to look for a lender who will work with you and accept a down payment closer to 5%.

There are several advantages of a 5% down-payment, but determine what's right for you. Here's a look at a few of them. First, you don't have to wait quite as long to build up savings if you pay 5% down. On a $300,000 home, that's $15K instead of $60K. That's a much easier amount to set aside. Second, if you get into a home quicker, then you're paying to own a home instead of paying rent. You're contributing to an investment. Finally, paying this amount also allows you to keep more money in savings, which can come in handy come home improvement time. Keep these advantages of placing a 5% down-payment in mind.

Get Your Credit in Order

Unless you're paying for a house outright, you're probably going to have to borrow money. Start getting a handle on your credit score long before you start the buying process. It isn't unreasonable to plan on working on your credit for a year or two if you have some problems

with your credit.

While this thought may seem like a lot of work, it'll be worth it come buying time. A solid credit score will only help you, especially if you want to pay a lower amount down. A banker will be more inclined to lend you money if they know that you have a good payment history.

Buying your first home comes with a lot of challenges. Factors like home prices, down payment and credit scores all play a role. Your best bet is to do your research and start getting your finances in order. Doing this will help you regardless of where you are in the home-buying process.

Here is another article you might enjoy: 3 Automotive Companies That Really Revolutionized The Industry


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Why Managing Finances Is So Important in Your 20s

12/17/2019

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It is never too late to start planning for your future or even planning for next week. Managing your finances in your 20s is an essential step in order to be better prepared for the years ahead. This article serves as a guide on how to get started to secure your financial future - today!


When you are in your 20s, there are countless things to worry about: Creating an independent life on your own is challenging, a work-life balance isn’t always easy to achieve, and maintaining a healthy lifestyle can be difficult. Beyond all of that, it is also necessary to manage your finances. Money for bills and other life necessities is one aspect, but it is also essential to plan for your financial future. While it is never too early to start working towards this, if you are not careful, you might start planning for your financial future too late. There are also the added benefits of early financial planning, forming smart money habits, and small amounts now growing into much more significant amounts in the future.

Investments Grow
Even if you are starting with small investments, starting early will have considerable benefits in the long run. While small investments will begin with small returns for you, those small returns will begin to grow from compounding interest. Monitoring your investment accounts and ensuring your returns are adequately reinvested will gradually become a source of personal wealth.

You Need a Healthy Financial Portfolio
As you begin to invest, it is best to not look into only one investment opportunity. Creating a diverse portfolio of investments allows your wealth to grow even in volatile markets. Beyond that, it is vital to understand the immediate impact of your financial health. Your financial portfolio determines how much of a house you can afford. It also affects lines of credit and other large purchases.

Planning Now Means Less Stress Later
Establishing a financial portfolio with smart investments is more than an immediate benefit; it is also a step towards your long-term financial planning. While retirement seems like a long way off during your 20s, It will happen before you realize it, and an intelligent financial portfolio can help you get set for it. Not to mention, emergencies will inevitably occur in your life that will make planning even more essential. By having a healthy portfolio, you might not be able to fully prepare for them, but you can at least be prepared to pay for them with a lesser degree of stress.

It is never too late to start planning for your future or even planning for next week. Managing your finances in your 20s is an essential step in order to be better prepared for the years ahead.

Please check out our other financial-related topics here!

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How to Protect Your Most Valuable Asset

12/5/2019

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Your home is the most significant investment for almost every American. Do you know how to choose the right coverage for you and your family? Here's tips how.


How to pick the right homeowners insurance

(BPT) - If you're like many Americans, your home may be your most valuable asset. That's why it's so important to protect it with homeowners insurance. Plus, it's probably a requirement of your mortgage. Setting up your coverage the right way starts with understanding the major parts of a homeowners policy.

Consider the following information and tips from the USAA Home Learning Center:

Dwelling protection

This protection covers the cost of repairing or rebuilding your home if it's damaged or destroyed. When you select the amount, keep in mind the cost to rebuild your home is different from its market value.

It's important to get the dwelling coverage right and to monitor it over time to make sure it keeps up with construction costs to rebuild. Under most homeowners policies, if you file a claim and have underinsured your home, your payout may be reduced.

Some insurers will help you estimate the rebuilding cost. They take into account the features, materials and finishes that make your home unique.

Personal property protection

This protection covers your furniture, clothing and pretty much everything else inside your home. Most policies set the amount of personal property protection as a percentage of the dwelling coverage.

It may not be enough, though. Homeowners plans set limits on certain high-value items. If you own expensive jewelry, art, guns, stamps, furs, cameras, computers, silver or collectibles, you'll want to consider buying valuable personal property insurance. This is sometimes called a "personal articles floater."

When you set up your homeowners policy, you may have to make an important choice about how to reimburse losses. There are two approaches:

  • Replacement cost. This coverage is the amount needed to replace the property with a comparable, new item.
  • Actual cash value. This coverage considers depreciation in the value of your property. If your 10-year-old couch is destroyed, you'd receive what it was worth at the time of loss, not the money you'd need to buy a new one.

To make your recovery from a loss as smooth as possible, replacement cost coverage is recommended.

Liability coverage

This is one of the most important and least appreciated forms of protection offered through homeowners coverage. It protects you if you're found to be at fault for someone's injury or property damage. It even covers you for non-automobile incidents away from your home. Generally, it also covers your legal costs associated with such claims against you.

As a rule, your liability coverage should at least be equal to the total value of your assets for both your homeowners and auto insurance. If your assets are higher than the maximum coverage allowed under the policy, consider purchasing umbrella insurance to cover the difference. This is important to protect the savings and other assets you've worked hard to acquire.

Deductibles

As with other types of insurance, a deductible is the part of a loss that you're responsible for covering out of your own pocket. The higher your deductible, the lower your monthly premium.

Choosing a higher deductible can save you money with a lower monthly premium but increases the risk you take. Consider the amount of cash you typically have on hand in your emergency fund or checking and savings accounts. Make sure you can cover the deductible amount comfortably.

What may not be covered

Your policy's basic coverage won't cover some special risks.

  • Floods: While a standard policy covers most weather-related events, floods aren't one of them. Flood insurance is inexpensive and the federal government offers it through insurers. While it's mandatory when you have a mortgage and live in a flood zone, you should give it strong consideration no matter where you live. Whether it's a flash flood or a few inches of excess water, flooding can cause massive damage to your dwelling and its contents.
  • Earthquakes: You can add coverage for earth movements to your policy with an extra premium. If you live in an area prone to earthquakes, consider reinforcing your home protection with this coverage.
  • Home businesses: Homeowners plans provide limited coverage for business equipment. If you run your business from home or have expensive office equipment, you may need to consider additional coverage. Your homeowners policy may not cover injuries to someone if they're related to your business.

For additional information on protecting your home, visit USAA.com/Homeowners.


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Mortgage Insurance: A Faster Way into Your First Home

11/24/2019

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If you are considering purchasing a home, it is important to understand your options.

Mortgage insurance is a stable, cost-effective way to obtain a low down payment mortgage, and offers distinct benefits to borrowers. It has been a cornerstone of the U.S. housing market since 1957, providing more than 30 million families with the opportunity to own homes despite financial barriers. If you are considering purchasing a home, it is important to understand your options, including your low down payment options.


(BPT) - For many Americans, the biggest hurdle in buying a home is the down payment. According to a recent report, 49% of non-homeowners stated that not having enough money for a down payment and closing costs was a major obstacle to purchasing a home. Many people also mistakenly believe lenders require a 20% down payment to qualify for mortgage financing.

Data shows that by using private mortgage insurance (MI), millions of homebuyers with down payments as low as 3% or 5% have been approved for affordable and well-underwritten mortgages.

In the past year alone, MI has helped more than 1.1 million borrowers purchase or refinance a mortgage. Nearly 60% were first-time homebuyers, and more than 40% had annual incomes below $75,000.

How MI works

In addition to the other elements of the mortgage underwriting process — such as verifying employment and determining the borrower’s ability to afford the monthly payment — lenders require borrowers to commit some of their own money before approving their mortgage loan. This is where MI entered the system more than 60 years ago, to bridge the down payment gap and help creditworthy borrowers qualify for a mortgage without large down payments.

Benefits of MI

  • It helps you buy a home sooner. On average it could take 20 years for a household earning the national median income of $61,372 to save 20%, plus closing costs, for a $262,250 home, the median sales price for a single-family home. MI helps borrowers qualify with as little as 3% down.
  • It is temporary, leading to lower monthly payments down the road. MI can be cancelled once 20% equity is established, either through payments or home price appreciation. Borrowers typically can cancel MI within the first five to seven years. This is not the case for the vast majority of mortgages insured by the Federal Housing Administration. FHA mortgage insurance premiums stay on the loan for the life of the loan.
  • It provides several flexible payment options. Your lender can offer several MI product options for MI payment; the most common is paid monthly along with your mortgage until the MI cancels.

MI is a stable, cost-effective way to obtain a low down payment mortgage, and offers distinct benefits to borrowers. It’s been a cornerstone of the U.S. housing market since 1957, providing more than 30 million families with the opportunity to own homes despite financial barriers. If you are considering purchasing a home, it is important to understand your options, including your low down payment options. To learn more, visit LowDownPaymentFacts.org.


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How Loans Are Evaluated is Changing: Here's What You Need to Know

4/5/2019

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When you apply for a loan, your future lender wants to make sure that you aren’t too much of a risk on defaulting. In the past, lenders have used the Allowance for Loan and Lease Losses (ALLL) standard to evaluate the risk of your loan. However, the Financial Accounting Standards Board (FASB) has decided to switch to a new system, known as Current Expected Credit Losses (CECL). This means that, starting in 2020, loans will be evaluated differently. Here’s what you need to know about these changes.

Why The Change?
The financial crisis of 2007 was devastating for a number of reasons, but one of the biggest ones is that it demonstrated that the ALLL was not adequate for making timely adjustments. ALLL worked well for evaluating losses that would happen with some certainty, but it was not able to respond to changes that happened suddenly. The financial crisis demonstrated that the current evaluation was not able to adjust for fluctuations in the economy. As a result, The FASB decided to reevaluate how risk was calculated for loans. In 2016, they announced the new accounting standard, known as CECL, that would be implemented by 2020.

CECL is Based on GroupsUnder CECL, review for loans is mostly based on collective groups. CECL looks at your situation and puts on you in a category. Each institution will have to develop their own way of dividing these groups up, but they will be based on things such as credit score, type of loan, length of the loan, the interest rate, what year you are applying, and what your individual finances look like. Once you are placed in a category, your lender is able to determine how much risk this loan will carry. However, under CECL you can still be individually reviewed, but only when you fit a couple different requirements. Your lending institution will decide whether your loan will be individually reviewed based on your circumstances and other factors with your loan.

Understanding the Effects
In the banking industry, there has been some criticism about CECL accounts. Some lenders have a tough time adjusting to the policies since they have to implement procedures in order to pinpoint losses that could possibly happen down the road. This requires a lot more data and analysis than they have previously used. However, CECL will help lenders stay competitive and prevent a lot of the losses that many of these institutions saw during the 2007 financial crisis. To use CECL methods, bankers must always monitor the conditions in the economy, and this process heightens focus, awareness, and drive.

Most of the major changes will occur behind the scenes, and you may not see much impact on your loans as a consumer. When applying for a loan, you will still need to pay attention to your earning potential, personal debt, and credit score. While it may seem intimidating and confusing, don’t let these changes scare you when it comes to getting a new loan. Your lender will be able to guide you in the right direction.


Here are a couple interesting articles we think you’re going to like:
  • How to Improve Your Financial Health
  • Mortgage insurance: Added cost to homebuying or smart way to get in?

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Save Your Way to Lower Home Insurance

3/21/2019

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If your homeowner insurance rates are creeping up even though you haven’t filed any claims, it may be time to take a look at how you can bring those prices back down. Research, smart shopping and even some home upgrades can make a noticeable difference in your insurance premiums. Explore the cost-savings potential with these tips.


Save Your Way to Lower Home Insurance

(Family Features) If your homeowner insurance rates are creeping up even though you haven’t filed any claims, it may be time to take a look at how you can bring those prices back down.

Research, smart shopping and even some home upgrades can make a noticeable difference in your insurance premiums. Explore the cost-savings potential with these tips from the experts at CertainTeed, a leading manufacturer of exterior and interior building products:

Shop for the best rates. It’s easy to be complacent when you’ve used the same insurance company for years, but if getting the best rate is your objective, it’s a good idea to shop around. To do effective comparison shopping, have a copy of your current policy ready and contact a handful of competitors. Provide them the exact same coverage details so you can compare like rates, but also be ready to listen to information about additional coverage options that may suit your needs.

Combine homeowner insurance with other policies. Most insurance carriers offer multiple policy discounts, which they apply when you insure more than one item. For example, if your homeowner insurance carrier also insures your cars, you’re likely to save money on the rates for protecting both your home and automobiles.

Update your home’s first line of defense. Many homeowners focus on aesthetics when it’s time to make upgrades, but there are some important functional improvements that can make a difference when it comes to your insurance premiums. For example, as extreme weather becomes more commonplace, the first line of defense is often the type of roofing material chosen. Many insurance companies even offer discounts for using impact-resistant shingles. Check with your insurance provider before making a final selection, but in general, look for products that include “impact-resistant” in their name and specs, and “Class IV Impact Resistance,” the highest rating available for roofing materials.

For example, NorthGate Class IV impact-resistant shingles from CertainTeed are engineered to have a higher probability of resisting hail. These shingles are made using rubber-like polymers that offer flexibility and impact resistance, as well as crack and shrink resistance, even in cold weather. So when severe weather strikes, your home can be protected and stay looking good. 

Install a home security system. An intruder alarm can provide more than peace of mind. Insurance companies often reward homeowners who take steps to minimize the chances of burglary or vandalism. After all, a well-protected home is less likely to result in a claim for losses. Some companies offer varying degrees of discounts on insurance rates depending on the type of system you install, so be sure to thoroughly research the options. For example, a system that simply emits a loud noise when triggered may generate one level of discount, while a system that dispatches emergency personnel when activated can lead to an even better rate.

Insurance rates are one place to save money on your home costs. Learn more about impact-resistant shingles and how they can save your home and wallet at certainteed.com.

SOURCE:
CertainTeed


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