Huntington bank mortgage refinance

huntington bank mortgage refinance

Confused by the world of mortgages and home loans? Huntington can help. Browse common questions and learn about mortgages and home refinancing below. This letter, titled "Borrower Notification: Freddie Mac Has Purchased Your Mortgage Loan," is sent to you for informational purposes only. Save on Interest. Refinance Your Current Loan with OCBC! Apply Online Easily Using Myinfo.
huntington bank mortgage refinance
huntington bank mortgage refinance

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HUNTINGTON — Now is a good time to refinance or sell a home because of low mortgage rates and the number of people looking to buy, according to local loan officers.

“I think most of those in real estate would agree that other than the initial period of transitioning, it’s been extremely busy and record setting,” said Brad Blaine (NMLS No. 1654603), a loan officer with Victorian Finance. “Interest rates are still in historic lows. People have more money saved up for home purchases than they have had for years. Home appreciation has been outpacing inflation. It was and remains a tremendous opportunity to purchase a home.”

While COVID-19 is not the only reason the housing market has seen good rates for buyers and sellers in the past year, Blaine said the coronavirus did not negatively impact l is for the way you look at me remix housing market.

Aaron Perkins (NMLS No. 474338), a mortgage loan officer at Movement Mortgage, said there are many factors going into how mortgage rates are determined, but prior to COVID-19, mortgage rates were beginning to drop and continued to stay low throughout the pandemic.

It appears that people staying home may have had an effect on homeowners who chose to refinance or sell, he said, and people saving more money on their homes can lead to more money being spent in the local economy.

“I don’t know if it’s just been where people were forced home to work and decided they didn’t like their house, or wanted to move, or anything really,” Perkins said. “And I’m not an economist, but it huntington bank mortgage refinance allowing people to better themselves. If they are refinancing, they’re saving monthly money that they can put back into the economy.”

Refinancing a home, Perkins said, means reassessing the terms of a loan used huntington bank mortgage refinance buy a home. After refinancing, individuals could end up paying less for mortgage payments each month, huntington bank mortgage refinance them money.

While mortgage rates are somewhat affected by the local economy, they can also be based off huntington bank mortgage refinance scores, how much money an individual is able to pay each month and other factors that bankers citi com costco login loan officers review before paperwork is finished.

While other industries were affected by the need to close or transition to virtual services, some Realtors and banks had already been offering those opportunities before COVID-19 hit.

There are online websites that can assist those looking to buy, sell or refinance a home, such as Rocket Mortgage, Quicken Loans and more, but Sean Fuellhart (NMLS No. 604670), a mortgage sales manager with City National Bank, said working with local industries is great because individuals work with people who huntington bank mortgage refinance the area.

“If someone is looking for homes and looking at the market, I think it’s super important to get with a local Realtor and local bank,” he said. “We have so many great local Realtors, and I think working with them can be great because they really assist with the process. Along with your local lender, a local Realtor can do wonders for you.”

Local offices such as some United Bank and City National Bank locations are offering in-person appointments to discuss refinancing, buying or selling a home. Fuellhart said they are also offering online and telephone assistance, and the difference is based on what individuals prefer.

“Some people are more apt to come in because they want to see someone face-to-face, which is OK because this is a very large, emotional transaction. It can be nerve-racking for people because they don’t necessarily know what they are doing huntington bank mortgage refinance, but it is a much more comforting thing for some people to be face-to-face,” he said.

“Others, we communicate (with) via email, or I have even conferenced people in. Email and those transactions are fine. Now with e-sign, you can do a mortgage without even going to the bank. Some people are great with virtual, but others prefer the face-to-face interaction.”

Virtual services can also be beneficial for those still concerned about COVID-19 safety precautions, but locations are continuing to follow Centers for Disease Control and Huntington bank mortgage refinance guidelines when people do want to discuss this financial decision in person.

Blaine, Huntington bank mortgage refinance and Fuellhart said an important step for people interested in refinancing, buying or selling a house is to learn about their financial situation before jumping into the big situation. It is best to understand how much people are able to pay because with how the housing market is now, individuals may have better options than in recent years.

Fuellhart said the main thing that could be considered negative is that because so many people bought houses in 2020, there is limited good home remedy for yeast infection in 2021. While this could change as the year goes on, he said it could be a great time for anyone considering selling their house because so many people are looking.


Huntington Bank: CO, IL, IN, IA, KS, KY, MI, MN, MO, NE, ND, OH, OK, PA, SD, TN, UT, WI, WV, WY


-Medical doctors, dentists and Veterinarians with M.D, D.O., D.D.S or D.M.D degree and an employment contract, Medical Doctors including podiatrists and Ophthalmologists are permitted.

-1 to 2 unit Principal Residence, PUDS, Townhome and Condos           (Non-warrantable condos limited to 90% LTV )

-Up to 100% financing with no PMI for loan amounts up to $1,000,000

-Up to 95% financing with no PMI for loan amounts $1,001,000 to $1,250,000

-Up to 90% financing with no PMI for loan amounts $1,250,001 to $2,000,000

-Refinance options available: (Up to $250K cash out available)

-Student loans in deferment for at least 12 months excluded from debt to income ratio or if IBR can utilize income-based student loan payment calculator

-Available loan products:  30 Year Fixed, 15 Year Fixed,  15/1 arm, 10/1 arm, 7/1arm, 5/1 arm, 3/1 arm (Amortized over 30 years)

-700 Minimum Credit Score           ( Allowable to 680 with down payment of 5 to 10% depending on loan amount )

-Maximum DTI of 50%

-Closing may occur prior to employment start date with an acceptable signed contract and start date

-Gift Funds allowable, can be applied to down payment, closing costs or cash reserves

-No closing cost rate options available

All of the loan officers listed  here specialize in working with doctors ONLY. They are battle tested, seasoned, and recommended by your peers.

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Ken J Schmidt (NMLS# 697466)
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Disclaimer: The postings on this site do not represent this banks positions, strategies or opinions.



West Virginia Mortgage and Refinance Rates

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money.

West Virginia mortgage overview

By Dhara Singh

West Virginia is the cheapest place to buy a home, according to Zillow home value estimates, with affordable options for both existing homeowners and for those who want to become one.

The state of West Virginia has a Homeownership Program providing affordable mortgage options, operated by the West Virginia Housing Development Fund, available to first-time homebuyers in most places, as well as repeat buyers in targeted areas. As of July 2020, the Homeownership Program’s interest rate is 3.32 percent with a 3.845 annual percentage rate (APR).

First-time homebuyer programs in West Virginia

For first-time homebuyers, the West Virginia Housing Development Fund’s Homeownership Program includes:

  • A maximum of 100 percent financing
  • Down payment assistance up to $7,500 for samoset restaurant rockland maine with a loan-to-value (LTV) ratio of 90 percent or higher, or up to $10,000 in assistance for loans with an LTV less than 90 percent. (To determine the LTV, divide the amount of the loan by the value of the property.)
  • Permanent financing for newly constructed homes

With the Homeownership Program, borrowers in West Virginia can purchase a single-family home, townhome, unit huntington bank mortgage refinance an approved Planned Unit Development or condominium, or a new multi-sectional manufactured home. The huntington bank mortgage refinance must be five acres or less.

To be eligible, borrowers must:

  • Not have owned a home as a primary residence during the past three years in applicable counties (eligible veterans are exempt)
  • Meet income and purchase price limits, based on county
  • Complete a homebuyer education course

West Virginia also has a homebuying program, called the Movin’ Up Program, for moderate-income borrowers, regardless of whether it’s their first time as a homeowner.

Through the Movin’ Up Program, homebuyers can receive down payment assistance of a maximum of $5,000 for loans with an LTV ratio of 90 percent or higher, or up to $8,000 in assistance for loans with an LTV ratio less than 90 percent. Financing is also available huntington bank mortgage refinance newly constructed homes, but unlike the Homeownership Program, there is no acreage limit. To be eligible, borrowers must:

  • Not have an income greater than $113,760 if a one- to two-person household or $132,720 for a three-person or more household
  • Complete a homebuyer education course

West Virginia mortgage refinancing

With interest rates at historic lows, you may be able to lower your monthly huntington bank mortgage refinance and save thousands by refinancing your loan to a lower rate. You can use Bankrate’s mortgage refinance calculator to see how much you can save.

West Virginia mortgage resources


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