LoanSolo. com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lenders requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process. The APR on a short term loan can range from 200 to 2,290 depending on how the APR is calculated (nominal vs.
effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on.
They are, however, very strict about the source of the gift funds. Under no circumstance may the gift funds come from any one person involved in the sale or purchase of your future home. Acceptable sources for gifts: Relatives Employer Close family friend Agency sponsored homeowner assistance programs. FHA is very specific about the source of the gift funds so be sure and discuss the details with your mortgage professional. Employment. Lenders like to see stability in a borrower and FHA is no different.
FHA requires a two-year work history, preferably with the same company or at the very least the same industry. Citizenship Status.
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