GREATER EWA BEACH HAWAII
The Home Buyer’s Korner
FNMA’s Minimum Three Percent Down Payment Program
FNMA’s My Community Mortgage Program was designed for first time home buyers who only have three percent of the sale price for a down payment, which can be gifted and you should have a minimum FICO score of at least 660. Lower FICO scores may be allowable, but you’ll need to discuss lower scores with your lender and any additional lender overlays that might be included.
The Fannie Mae My Community Loan Program allows home buyers to qualify for a mortgage at conforming interest rates and lower PMI premiums, which could make it more attractive than other programs like FHA’s 3.5 percent down payment program.
Unlike FHA, the My Community Mortgage Programs requires at least one home buyer to attend an approved First Time Home Buyer Course.
The program also has special features for Public Safety Workers and Teachers. The concept behind the program is that for a community to be strong, it needs certain fundamental resources and assets within its infrastructure. Those include experts who provide specialized essential services like health care workers, law enforcement officers, firefighters, and schoolteachers.
To create a vibrant, safe, and healthy town or city, you need to attract and retain people who play those key roles. So Fannie Mae wants to make it easier for these folks to buy a home. By doing so, Fannie Mae’s My Community Mortgage initiative helps to ensure the stability and well-being of the entire community.
Fannie Mae lenders can provide you with a full list of the eligibility criteria for various vocations, but the program basically includes teachers employed by state recognized schools, members of state and local law enforcement agencies and fire departments, EMS responders and members of the military.
While medical doctors are not eligible, many other health professionals are, including pharmacy technicians, pharmacists, nurses, and medical technologists. Loan applicants can earn up to 100 percent [115 percent if you have a disabled family member] of the median income for your area and have as high as a 45 percent debt-to-income ratio with less-than-stellar credit. However, for homes located in neighborhoods designated as “under served,” there is no income limit.
Perks available include discounted interest rates, down payments as low as three percent and as much as six percent in seller credits that can be applied to closing costs and pre-paid taxes and insurance. You can choose between a fixed-rate and an adjustable-rate mortgage and some home buyers can even qualify for a 40-year fixed-rate amortization.
The program has many similarities to the governments FHA program. Fannie Mae allows for a flexible source of down payment and down payment assistance. It can be the home buyer’s cash on hand, but I strongly recommend you be able to document the source, gift from a relative or even from the employer is acceptable.
In addition to relaxed down payment requirement, the My Community Mortgage Program also allows the use of overtime & part-time income to qualify for the loan for the professionals listed earlier in this post. While most loan programs require two years of these incomes, this program will consider your part-time income if you can document it for 12 consecutive months.
It’s also worth noting that the My Community Mortgage Program is eligible on Condominium, Town homes and Manufactured Homes on a permanent foundation the meets Fannie Mae’s minimum property standards.
First-time home buyers wishing to purchase two to four unit properties require a down payment of five percent on a fixed-rate mortgage and 10 percent on an adjustable rate mortgage. You’ll also need to occupy one of the units and need to prepare to have at least six months reserves equal to your monthly principal, interest, taxes and insurance payments to qualify.
The My Community Mortgage Program requires private mortgage insurance. Mortgage Guaranty Insurance Corporation or MGIC is a likely provider your lender will select, so I’ve provided their current pricing here.
Talk to your lender to find out more about this great program for first-time home buyers and see if you’re eligible. I’ve covered some of the bells and whistles I think make the program attractive and you can see more by clicking on the first link in the post, but the best way to know if it’s right for you is to talk with a loan officer.
VISIT OUR GREATER EWA BEACH AREA
HOMES FOR SALE LISTINGS
FIND HOMES THROUGHOUT EWA BEACH HAWAII
HAWAII HOME OWNERSHIP TOOLS
Your Home Purchasing or Refinancing & Renovation Tools,
Home Improvements, Home Renovations,
Mortgage Loan Officers, Real Estate Agents & General Contractors
are ready to assist you with your home purchase.
Here are just a few of the home improvements
you might consider with any Home Renovation loan
Repair or replace a roof
Install, replace or repair gutters and downspouts
Replace, repair or upgrade your HVAC system
Repair or replace plumbing
Install, repair or replace electrical systems
Kitchen remodeling (including the purchase and installation of appliances)
Bathroom remodeling, Full interior painting, Total exterior painting
Repair or replace a septic system and/or well
Disability access (wheelchair ramp, elevator, widen doorways)
Build, repair or replace deck, patio or porch
Basement waterproofing and finishing
Abatement/Stabilization of lead-based paint hazards
Replace old windows, Room additions, Finish an attic
Add a second story to your home
Replace a termite damaged sill plate (a water-damaged sill plate also)
Possible landscaping items such as correction of grading & drainage problems,
tree removal, repair a driveway and sidewalks
Your Home Purchasing or Refinancing & Renovation Tool
Mortgage Loan Officers, Real Estate Agents & General Contractors
are ready to assist you with your home purchase
FANNIE MAE HOMESTYLE
The Conventional Alternative to FHA 203K
Great for Real Estate Investors and Second Home Renovations
Mortgage Loan Officers, Real Estate Agents & General Contractors
are ready to assist you with your home purchase
USDA RURAL DEVELOPMENT
Up to $10K for Home Improvements, Renovations or a Simple Remodel
Mortgage Loan Officers, Real Estate Agents & General Contractors are ready to assist you
A SIMPLE HOME SHOPPING INSPECTION TOOL
Organizing your home shopping experience affords a wise decision-making process.
This simple home inspection tool makes your ultimate buying decision a smart one.
To print this document click on “Open in New Window” located at the lower right corner;
click on “File”; then click on “Print”. In the center of the screen you will
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Puuhala St Puwalu St Garton St Paua Pl Panapanapuhi St Kaloi Pl Kaloi St Imelda St PONCHARTRAIN ST Amador Kapolei Lower Village Pu’uloa Sisal Tenney Village Varona Village Kapolei Kapolei-Aeloa Kapolei-Mehana-KuKuna Kapolei-Knolls Kapolei-Iwalani Kapolei-Malanai Kapolei-Mehana-La-Hiki Kapolei-Aeloa Kapolei Kai Kapolei-Mehana-Awakea Ko Olina Leeward Estates Nanakai Gardens Makakilo City Kuhela St Kama Aha Ave Kamaaha Ave Kamaaha Ave Kamaaha Loop Maalili Pl Farrington Hwy Kamokila Blvd Ania Pl Anipeahi Pl Anipeahi St Holi St Hookeha Pl Hookeha St Haawina Pl Haawina St Hookili Pl Hooko Pl Hookomo St Kanehili St MAKAKILO DR Kanehoa Loop Kanehoalani St Aliinui Dr Kanihaalilo St Alepa St Hoomaliu St Kanio St Waipahe Pl Kaniuu St OANIANI ST Oaniani Pl Oaniani St Papaa St Iliohe St Painui Pl INDEPENDENCE LOOP Aukahi Pl Aukahi St Makakilo Dr Welo St Amaui Pl Kapolei Kapolei Pkwy Koio Dr Hulukoa Pl Waakea Pl Nou St Noulu St Kanio St Uahanai Pl Uahanai St Ualakupu St Ualehei St Laahaina Pl Laaloa Pl Laaloa St A Koio Drive S-18 92-1069 Koio Dr Uhiuala St Paakai Pl Paakai St Paala Loop Paala Pl Paaoloulu Way Ulele Pl Aukahi St Koanimakani Pl Koanimakani St Hunekai Pl Hunekai St Koio Drive Luawainui St Kukulu St Nopu Pl Umena St Luawainui St Luakalai St Malamalama St BARBERS POINT NAS Kohea Pl Kohea Way Kohi Pl Kohi St Panana St Saratoga Ave CORAL SEA RD Midway Rd PALALA ST LEXINGTON ST BARBERS POINT NAS Kohupono St KOIO DR Koio Dr Kokole Pl Kokole St Kaiholo St Oaniani St Halahinano St Halahua St Halalani Pl Halana Pl Halana St Luawainui St Liolio Pl ENTERPRISE AVE Hokuimo St Kolili Pl Kolili St ALIINUI Aliinui Dr Kololio St Makahaiaku Pl Makahaiaku St Makahaiwaa Pl Makahani St Makahou Pl Makahou St Koio Drive PALAHIA ST Makakilo Dr Makamai Loop Makamai Pl Lipo St Holomoku St Makeke St Koio Dr Olani St Maulihiwa St Kikaha St Ohio St HALANA PL Malahuna Loop Malahuna Pl Lehulehu St Oea Pl Hame Place Wahane St Wiliwilihele Pl Lihau St Leimao Pl GUADALCANAL AVE Palahia St Westview and Makakilo Open Sun Leiole St Leipapa Way Auwaea St Kaunaoaula St Makakilo Dr OPUKU ST KAMAAHA AVE Waakea Pl Kaupea St Oloa Pl KAMAAHA AVE WAAULA ST Ahikoe St Ahiwa St Kawaihuna St Waialii Pl KEOKOLO ST Keokolo St Paiaha Pl ALIINUI DR Big Red St Blue Goose St Boomer St Catalina St Dragon Pl Kekuilani Loop Lightning St Neptune St Orion Dr Orion Pl Shark Pl Koio C Drive Uahanai St Aoloko Pl Aoloko St Hokuimo Pl Painiu Pl Kuupau St HOKUNUI ST Namahoe Pl Namahoe St ALIINUI DR Kekuilani Loop Welo St Welowelo St Oawa St Nanahu St ALIINUI DR KEKUILANI LOOP Kekuilani Loop Uahanai St Aliinui Dr ALIINUI DR Aliinui Dr Limukele St Panana st Makahaiaku St MALAKOLE ST KANEHILI ST FARRINGTON HWY HAWEA ST KAKUHIHEWA PL KAKUHIHEWA ST KAKUHIHEWA ST KALEHUNA ST KEKUILANI VLG Kolili St KOWELO AVE KULOA AVE Makakilo Dr Renton Rd WAAULA ST WAAULA ST PANANA ST BOXER ST KAUPEA ST FARRINGTON HWY KAMAAHA AVE Polea St Holomoku Walaau Pl Nemo St Kamaaha Loop Nenelea St Lahi St Pakaweli St Kuhoho St Kukulu Waokele St Waopio Pl Maulihiwa St Kualakai St HOALII ST Kuamu Pl Kuamu St Keawanui St PALAHIA ST Palahia Pl Palahia St Kuea St Palailai Pl Palailai St Palala St LANAKOI ST Kinoiki St Palaulau Pl Akaawa Pl Akaawa St Kuipuakukui St Kakala St Akaula Pl Akaula St Nihopeku St Holoimua Pl Holoimua St Holomoku St Pilipiliula Pl Pilipono St Kulike Pl Kuhoho St Haulele St Makahaiaku St Oaniani St Akolo Pl Akolo St KUHOHO ST Mamaka St Makahaiaku St Oaniani St Kinohi Pl Hauone Pl Hauone St Kumuiki St Kumulipo St Kunehi St Kunehi St Kupanaha Pl Elele St Waokele St Wahane Pl Wahane St Wahinoho St Wahipana St Waialii Pl Manawai St Kuhoho Pl Hame Pl Hame St Alaa St Napoo St Holunape St Waiko Pl Waikoloa Pl Kewai Pl Manauea Pl Hiluhilu Pl Hiluhilu St Manawai St Kiowainui Pl Kiowao Pl ELELE ST Elele Pl Wainohia Pl Elele St Wainohia St Wainohia Way Aliinui Dr Limukele St Elemika Pl Moaka St Uahanai St Waiomea St WAIPAHE PL Manawai St Alahoi St Mehani Pl Mehani St Wakamalii Pl KEKEPANIA PL G Koio Dr Koakoa St Kikaha St KAMAAHA AVE Kekepania Pl KAMAAHA LOOP KEKUILANI Mekila St Kelau St Franklin D Roosevelt Ave Kakala St Puahiohio Pl Puahiohio Way Puainako St Bougainville Ave Bougainville Pl Guadalcanal Cir Hihialou Pl Kamaaha Ave MAKAKILO DR Puamaomao Pl Wakea St Puanihi St Puanohu Pl Puapake St KAMAAHA AVE Hawea St Ohio St Oaheahe Pl Oaheahe Way Oahi Pl Pueonani Pl PUEONANI ST Pueonani Way Oi Pl Opio Pl Lalahi St Opuakii Pl Opuakii Way KAMAAHA AVE Opuku St Okaa St KAMAAHA AVE Ipolani St Pukaua St Hihialou Pl Kikaha St Hoakalei St Kikiao St Papaa St Hoalii Pl Hoalii St Hoanaulu Pl Koio C Drive HOANU ST Puliko Pl Puliko St FARRINGTON FARRINGTON HWY Olani St Aliinui Dr Helena St Punawainui St Peekaua St Welo Street Subdiv Kukulu St Aahualii Pl Aahualii St Kakala St Kaana Pl Kaana St Kaaoao Pl Kulihi St Hoea St Hoewaa Pl Kahanalei St Kahea St Peleiake Pl Welo St Louluhiwa Pl Loululelo Pl AUKAHI ST Kaiau Ave Kaiaulu Pl Kaiaulu St Nohohale St Nohona Pl Nohona St Nohopaa St Nohopono St Ihee Pl Ihi Pl Paakai St Lanakoi St Kaapuwai Pl Kaapuwai St Kahalepouli St Manawai St KAMAKAHELEI Kamakahelei St Kamokuiki St KANEONEO Kaneoneo St Kealiiahonui St KEKAHILI Kekahili Pl Kekahili St Kinoiki KUMAAIKU Kumaaiku St Kaiau Ave Owakalena St Kikaha St Lauia St Kakala St Kakala St Kakala St Kakoo Pl Kakuhihewa Pl Kakuhihewa St Awaawahea Pl Awaawahea Way Awawa Pl Awawa St Awela St Iliohe St Aweuweu Pl Koio Drive Hoike Pl Hoike Way Hoina Pl KAMAAHA AVE Kalehuna St Kuehu St Kalemakapii St Kaleo Pl Kaleo Way Hanapaa St Hokuaukai Pl Hokuaukai Way Hokuimo Pl Hokuimo St Hokunui St Hokupa St Hokuwekiu St HOKUWELA ST Hokuwela St Newa Pl Newa St Panana St Panana St Panana St Kohi Pl