Source: www.hud.gov. For more information or an appointment with a HUD-certified counselor, contact the Southeast Community Development Corporation at 410-342-3234 www.southeastcdc.org.
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HOW CAN HUD and the FHA HELP ME BECOME a HOMEOWNER
HOW DOES MY CREDIT HISTORY IMPACT MY ABILITY TO QUALIFY?
The FHA is generally more flexible than conventional lenders in its qualifying guidelines. In fact, the
FHA allows you to re-establish credit if:
• two years have passed since a bankruptcy has been discharged
• all judgments have been paid any outstanding tax liens have been satisfied or appropriate arrangements have been made to establish a repayment plan with the IRS or state Department of Revenue
• three years have passed since a foreclosure or a deed-in-lieu has been resolved.
CAN I QUALIFY FOR AN FHA LOAN WITHOUT A CREDIT HISTORY?
Yes. If you prefer to pay debts in cash or are too young to have established credit, there are other ways to prove your eligibility. Talk to your lender for details.
WHAT TYPES OF CLOSING COSTS ARE ASSOCIATED WITH FHA-INSURED LOANS?
Except for the addition of an FHA mortgage insurance premium, FHA closing costs are similar to those of a conventional loan outlined in Question 63. The FHA requires a single, upfront mortgage insurance premium equal to 2.25% of the mortgage to be paid at closing. This initial premium may be partially refunded if the loan is paid in full during the first seven years of the loan term. After closing, you will then be responsible for an annual
premium – paid monthly – if your mortgage is over 15 years or if you have a 15-year loan with an LTV
greater than 90%.
NOTICE: Last chance to save big on property taxes
Applications for the Homestead Tax Credit must be postmarked by Dec. 31, 2012.
“People’s taxes will skyrocket if they don’t apply,” said resident Ann Carmody. “I’m saving $1,800. Without [the credit], I’d be priced out of my home.”
For an application, visit www.dat.state.md.us. Call Councilman Jim Kraft’s office, 410-396-4821 for more information. Dec. 31, 2012, is the final deadline.