“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.

Refinance Your Home Lower your mortgage payment, reduce your loan term or consolidate your debt. At FBC Mortgage, LLC we make it fast and easy with our in-house underwriting, processing, closing and decision making.

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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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FBC Mortgage, LLC 4 hrs As tempting as it is to buy that bed frame or couch for your new home before closing, buying furniture is a big DON’T during the loan process!