{"id":3599,"date":"2016-10-07T13:54:19","date_gmt":"2016-10-07T13:54:19","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=3599"},"modified":"2020-07-13T22:33:02","modified_gmt":"2020-07-13T22:33:02","slug":"usda-refinance-lower-rate","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/usda-refinance-lower-rate\/","title":{"rendered":"USDA Refinance Loan Helps Homeowners Save Money"},"content":{"rendered":"<h2 class=\"js-post-title post-title\">Streamlined Process for USDA Refinance<\/h2>\n<figure id=\"attachment_4787\" aria-describedby=\"caption-attachment-4787\" style=\"width: 300px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4787 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/10\/bus-with-monster-tires-300x200.jpg\" alt=\"USDA refinance NC, SC, TN, GA, VA\" width=\"300\" height=\"200\" \/><figcaption id=\"caption-attachment-4787\" class=\"wp-caption-text\">Boom! USDA just got bigger and better!<\/figcaption><\/figure>\n<p class=\"js-post-body post-body\">USDA just got much better!\u00a0\u00a0Rural Development loans have provided affordable payments with no down payment for years.\u00a0 But now good just became awesome!!\u00a0 Homeowners with a <a href=\"http:\/\/teammovemortgage.com\/usda\/\"><span style=\"text-decoration: underline;\">USDA mortgage<\/span><\/a> have\u00a0the perfect opportunity now to make\u00a0their home even more affordable.\u00a0\u00a0<a href=\"http:\/\/teammovemortgage.com\/usda\/\"><span style=\"text-decoration: underline;\">USDA<\/span><\/a> has\u00a0actually made two huge\u00a0enhancements to this wonderful program which helps homeowners.\u00a0 First of all, there is the\u00a0streamlined USDA refinance loan.\u00a0 This\u00a0wonderful product removes much of the normal refinance requirements.\u00a0 This includes no appraisal, no equity, no debt ratio calculation, and even no credit report!\u00a0\u00a0We describe the full details below.\u00a0 Secondly,\u00a0there have been drastic reductions in purchase and refinance costs.\u00a0 The reduction in the USDA funding fee and the annual fee\u00a0creates affordability for current or prospective homeowners.<\/p>\n<h2 class=\"js-post-body post-body\">USDA Streamlined Assist Program Details<\/h2>\n<p class=\"js-post-body post-body\">Before, USDA had a great product called the USDA Pilot Refinance Program, yet it was only available to certain states.\u00a0 Now homeowners in all states are able to take advantage of the best time ever to refinance a USDA loan!\u00a0 Furthermore, homeowners are able to include all costs into the loan which makes it even easier.\u00a0 So let&#8217;s discuss the simple requirements for a USDA refinance below:<\/p>\n<ul>\n<li class=\"js-post-body post-body\">No appraisal required.\u00a0 *<\/li>\n<li class=\"js-post-body post-body\">No credit report.<\/li>\n<li class=\"js-post-body post-body\">Must have closed 12 months prior to the refinance request.<\/li>\n<li class=\"js-post-body post-body\">No 30 day late payments<\/li>\n<li class=\"js-post-body post-body\">No debt ratio requirement<\/li>\n<li class=\"js-post-body post-body\">Includes payoff, closing costs, escrow set up, and funding fee<\/li>\n<li class=\"js-post-body post-body\">Minimum $50 per month savings requirement<\/li>\n<li class=\"js-post-body post-body\">May add a new borrower<\/li>\n<li class=\"js-post-body post-body\">$85,000 minimum loan amount<\/li>\n<\/ul>\n<p>* An appraisal\u00a0is required if\u00a0refinancing a subsidized USDA direct loan.<\/p>\n<h3>Let&#8217;s Explain The Guidelines In Detail<\/h3>\n<figure id=\"attachment_4788\" aria-describedby=\"caption-attachment-4788\" style=\"width: 300px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-4788\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/10\/gears-300x200.jpg\" alt=\"USDA refinance guidelines\" width=\"300\" height=\"200\" \/><figcaption id=\"caption-attachment-4788\" class=\"wp-caption-text\">Know the details!<\/figcaption><\/figure>\n<p>So can you believe that these are the actual guidelines for a mortgage\u00a0these days?\u00a0 That is why\u00a0NC, SC, VA, GA, and TN homeowners\u00a0with\u00a0USDA loans should give us a call.\u00a0 So let&#8217;s discuss the above in more detail.\u00a0 First of all, there is no credit report.\u00a0\u00a0We just have to\u00a0verify 3 credit scores.\u00a0\u00a0Then the middle score must be at least 640 to qualify.\u00a0 Additionally, we must verify that there are no 30 day late payments over the last 12 months.\u00a0 Even though a debt ratio is not calculated, we\u00a0verify the household income meets the USDA requirement.\u00a0 Since there is no appraisal or equity required, a homeowner\u00a0can include all costs into the new refinance loan.\u00a0 Furthermore, the loan may include the payoff, all closing costs, escrow set up, and the lower 1% USDA funding fee.<\/p>\n<p>Although this refinance allows for\u00a0an additional\u00a0borrower, all existing borrowers must remain on the new loan.\u00a0\u00a0For example, if the home was purchased in one person&#8217;s name but is now married, the spouse could be added.\u00a0 Sound pretty good?\u00a0 We are so excited to offer\u00a0such a streamlined process\u00a0which saves\u00a0homeowners money!<\/p>\n<h3>How to Start a Refinance<\/h3>\n<p>[av_button_big label=&#8217;Apply Now for a USDA Refinance&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/apply-online\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;]<br \/>\nApply online here or call one of our USDA experts<br \/>\n[\/av_button_big]<\/p>\n<h2>USDA Lowers Fees to Create Affordable Options<\/h2>\n<p>Prior to\u00a010\/1\/16, it was difficult for homeowners with a USDA loan to refinance because of duplicating higher costs.\u00a0\u00a0Depending on the purchase date, the\u00a0homeowner originally paid a 2% &#8211; 3.5%\u00a0fee to purchase the home.\u00a0 Then\u00a0the refinance\u00a0required an additional financed 2.75% fee.\u00a0 The numbers often didn&#8217;t make sense,\u00a0which thwarted\u00a0the excitement of a potential savings.\u00a0 But since USDA has\u00a0reduced both the funding\u00a0and monthly fees, refinancing makes more sense!<\/p>\n<p>So why did the\u00a02016-2017 USDA Funding Fee and\u00a0Annual Fee\u00a0decrease?\u00a0 Because foreclosure and delinquency rates have fallen to historic lows, USDA\u00a0could afford this reduction.\u00a0 Less risk means less costs.\u00a0 USDA Rural Housing Service Administrator Tony Hernandez said \u201cWhen our borrowers succeed, the program succeeds.\u00a0 Excellent overall performance in our single-family housing guaranteed loan program means we can charge less for the life changing opportunity to own a home.\u201d<\/p>\n<p>To learn more about this huge savings for both homeowners and potential buyers, check out the article,\u00a0<a href=\"http:\/\/teammovemortgage.com\/blog\/2016\/04\/30\/2016-2017-usda-funding-fee\/\"><span style=\"text-decoration: underline;\">Huge Decrease in the 2016 &#8211; 2017 USDA Funding Fee &amp; Annual Fee<\/span><\/a>.<\/p>\n<h2>For a Detailed Quote<\/h2>\n<p>We love providing detailed quotes so you can make an informed decision.\u00a0 So if you have the following handy, it will help us help you!<\/p>\n<ul>\n<li>Most recent mortgage statement<\/li>\n<li>Current insurance declarations pages for all insurances (flood, homeowners, wind\/hail).\u00a0 Looking for the annual premium &amp; renewal date<\/li>\n<li>Most recent property county tax bill (and city if applicable)<\/li>\n<li>HUD or Closing Disclosure from most recent closing<\/li>\n<\/ul>\n<h2>Interest Rates at All-Time Lows<\/h2>\n<p>So you know USDA drastically lowered refinance costs and streamlined the refinance process.\u00a0 But unless you have been living under a rock, you should know that mortgage rates are at an all-time low!\u00a0 Now rates have been extremely low for the whole year but because of\u00a0previous refinance restrictions, a refi may not have worked for many.\u00a0 In conclusion, USDA has the trifecta going on!<\/p>\n<ol>\n<li>Low Interest Rates<\/li>\n<li>Reduced Fees<\/li>\n<li>Simplified Guidelines<\/li>\n<\/ol>\n<p>[av_button_big label=&#8217;Contact Us Now to Discuss a USDA Streamline Refinance&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/contact-us\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;][\/av_button_big]<\/p>\n<p class=\"js-post-body post-body\">\n","protected":false},"excerpt":{"rendered":"<p>Streamlined Process for USDA Refinance USDA just got much better!\u00a0\u00a0Rural Development loans have provided affordable payments with no down payment for years.\u00a0 But now good just became awesome!!\u00a0 Homeowners with a USDA mortgage have\u00a0the perfect opportunity now to make\u00a0their home even more affordable.\u00a0\u00a0USDA has\u00a0actually made two huge\u00a0enhancements to this wonderful program which helps homeowners.\u00a0 First [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4787,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,19,41],"tags":[207,790],"class_list":["post-3599","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-products","category-recent-changes","category-usda","tag-usda-refinance","tag-usda-streamline-assist-refinance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>USDA Refinance Offers Affordability and an Easy Mortgage Process<\/title>\n<meta name=\"description\" content=\"The streamlined USDA Refinance along with recent reduction in USDA costs, allows homeowners to save money with no equity required. Learn how easy it is!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/teammovemortgage.com\/blog\/usda-refinance-lower-rate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"USDA Refinance Offers Affordability and an Easy Mortgage Process\" \/>\n<meta property=\"og:description\" content=\"The streamlined USDA Refinance along with recent reduction in USDA costs, allows homeowners to save money with no equity required. 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