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Alabama Mortgage - What to Expect When Buying a Home in Alabama
Maybe youre buying your first home in Alabama, or perhaps youre relocating to Alabama from another state. Either way, its important that you educate yourself on Alabama home loans before shopping for a home and mortgage. This article explains what youll need to know before buying a home in Alabama:
The average price of a home in Alabama in October of 2005 was $147,678, and homes in Alabama appreciate at one-half of the rate of the average national home appreciation. The rate of job growth in Alabama is equal to the national average. However, income levels in many parts of Alabama are too low to purchase a median-priced home with a conventional loan.
Alabama is a non-community property state. This means that married persons do not have to include their spouses income and liabilities on their mortgage if they choose not too. Home buyers can simply leave their spouses name off of their application. Additionally, Alabama has a Fair Housing Act that prohibits housing providers from declining housing to anyone based on their race, color, religion, gender, or national origin.
If youre buying a home in the state of Alabama, you qualify for both federal and state FHA and VA loans. First-time home buyers qualify for Alabama FHA loans with below-market interest rates, and, depending on their income, may also qualify for down payment assistance. Additionally, Alabamas Step-Up program offers down-payment assistance to home buyers with moderate incomes.
Access Alabama is a state program that makes mortgages more affordable for both disabled residents and residents with a disabled person in their care. Through this program, Alabama residents with disabilities can get technical assistance with the home-buying process and assistance with down payment and closing costs.
Alabama also offers Mortgage Credit Certificates to first time home buyers. Mortgage Credit Certificates help first time home buyers manage the costs of purchasing their first home by reducing the amount of federal income tax that theyre required to pay.
Jessica Elliott recommends that you visit Mortgage Lenders Plus.com for more information about Alabama Mortgage Rates and Loans.
More Useful Resource and Updates on home loan refinance online bad credit mortgage ref
- How we got in the mortgage crisis (The State)
WASHINGTON ? Each day from July through September, more than 2,700 Americans lost their homes in foreclosure. That number, up from 1,200 a day a year ago, is a sign that the mortgage industry and government programs have done little to help troubled homeowners. The mortgage market?s troubles have proved to be far more serious and intractable than most in government or the private sector had ...
- Foreclosures in California on steep rise (San Francisco Chronicle)
Nearly 80,000 California homes fell into foreclosure during the past three months, a more than threefold year-to-year increase that suggests numerous government interventions and industry promises have done little so far to help struggling borrowers hold onto...
- Expert: Foreclosures ripped through some places like hurricanes (Visalia Times-Delta / Tulare Advance-Register)
WASHINGTON ? It wasn't long ago that the downturn in housing was mainly focused in specific cities with artificially inflated prices.
- Crashing home prices (Pocono Record)
A massive speculative bubble in housing prices caused millions of Americans to think of their homes as an investment, rather than a place to live. Now prices are plummeting, especially in once-sizzling markets like California, Florida and Nevada.
- FDIC boss touts mortgage-loan guarantees to help homeowners (Miami Herald)
Sisters Annette and Karlene Parker said they broke down when their lender told them last week it was foreclosing on the Miramar home they have shared since 2006.
- Maid-Turned-Realtor Ran Vegas Mortgage Scam, Prosecutors Say (Bloomberg)
Oct. 30 (Bloomberg) -- Eve Mazzarella was a Las Vegas success story. The high-school dropout and former housemaid moved to the Nevada city in 2000 from Seattle, got a certificate from the ABC Real Estate School and started selling houses in what would become the hottest market in the country.
- Foreclosure crisis vexes government (The Reporter)
WASHINGTON -- Each day from July through September, more than 2,700 Americans lost their homes in foreclosure.That number, up from 1,200 a day a year ago, is a sign that the mortgage industry and government programs have done little to help troubled homeowners.
- Treasury, FDIC Said to Craft Plan to Curb Foreclosure (Update2) (Bloomberg)
Oct. 29 (Bloomberg) -- The U.S. Treasury and the Federal Deposit Insurance Corp. are considering a plan that may provide about $500 billion in government guarantees for troubled mortgages, according to people familiar with the matter.
- Homeowners have local resources for help in housing crisis (Visalia Times-Delta / Tulare Advance-Register)
Editor's note: The economy has emerged as the No. 1 issue among voters going into the Nov. 4 election. This is the third of five stories focusing on the Tulare County and national economy. Today: The housing crisis.
- Treasury, FDIC Said to Develop Program to Avert Foreclosures (Bloomberg)
Oct. 29 (Bloomberg) -- The U.S. Treasury and the Federal Deposit Insurance Corp. are developing a program to provide at least $500 billion in government guarantees for troubled mortgages, according to people familiar with the matter.
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