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Food for thought Consider a 30 year fixed with a year inter only option. FICOs in the high s for me, low s for her. And yes, your payments do adjust based on principal payments This varies from loan program to loan program but for the most part is true. However, its my opinion that waiting a few months, or perhaps even weeks could give you a much better idea of whats happening in the market. No one is doing these loans right now. If you are betting rates are lower, it would probably be because of a VERY weak economy and your stable jobs may not be so stable anymore you should be betting on rates going back to historical values which signal a stable economy. I think the bigg quion is what is your target comfort zone i. Or does it not change the payment at all?

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However, its my opinion that waiting a few months, or perhaps even weeks could give you a much better idea of whats happening in the market. No one is doing these loans right now. I think the bigg quion is what is your target comfort zone i. No categories America October 26, bbw seeking friends. Do use those market conditions whenever possible, however, to achieve your goal. Food for thought Consider a 30 year fixed with a year inter only option. Then if you can, go ahead and make the purchase, and the money you saved up will be a good start on your emergency funds.

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If you have been working for say 5 years and have no money to put down, you may want to quion if you are financially disciplined to stretch for a place. Its our first home and money would be tight for awhile, but easily affordable. And yes, your payments do adjust based on principal payments This varies from loan program to loan program but for the most part is true. Does putting money into the principal of an IO loan lower your monthly payment since there is less inter due to less principal? During the first few years of the loan, only a small percentage of your payment actually goes to principal. If you and your wife With your superior credit ratings, great jobs, yada, yada, yada are having this hard of a time qualifying getting a loan that works for you, what about other buyers? Is there a significant chance that they are also being affected by these changes?

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You realize rates are currently historically not very high right now. Is there a significant chance that they are also being affected by these changes? Does putting money into the principal of an IO loan lower your monthly payment since there is less inter due to less principal? As a result, your payments wont change.

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