“I’m not afraid of the loan. I think it’s a good one.” The loan he knows about – and few others do – is the little-heard of 203(k) mortgage. It’s a primary. Stein said a lot of real estate agents.
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Coming up with that big down payment. Even if your mortgage lender only requires a down payment of 5 percent, that still comes out to $10,000 for a modestly priced home of $200,000. Many buyers simply don’t have that much cash lying around. If you have a 401(k) plan at work, though, you might have a convenient source for down payment funds.
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Total mortgage application. loan balances ($453,100 or less) remained unchanged at 5.11 percent, with points decreasing to 0.50 from 0.52 (including the origination fee) for loans with 20 percent.
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