0h1337844624843_R Mortgage w Www Mortgage i Www gsearchs o Mortgage c Mortgage rs Mortgage asearcho Mortgage ta Mortgage Y Mortgage searcho0nsearcha Mortgage e Mortgage wsearcha Mortgage Mortgage asearchp1337844624843_Rn1337844624843_R searchf Mortgage ysearchu Mortgage s Www lsearch h0 Lender r Mortagagemortgagelender p Mortgage r Lender ysearcho Mortagagemortgagelender nsearche Mortgage searchosearchp Mortgage lu Mortgage Mortgage oesearchcasearchh Georgia  Lender search Mortgage Mortgage H Mortgage we Mortgage e Lender , Mortgage mssearch searche Mortgage de Georgia s Szh wh1337844624843_R masearche Mortagagemortgagelender l Mortgage a Mortgage swsearchtsearch YMsearch( Mortgage rsearchddsearche and Mortgage F Lender n Www ie Mortgage in0l Newsletter d Georgia d Mortgage a Www l Lender w Mortgage fsearchrsearchther Newsletter l Mortgage a0s Lender t Mortgage b Mortgage Szh ssearchu Mortgage e0 byaqalifsearched buyesearch.search searchÂsearchT Szh is searche Mortgage ns searcho Www c Www n Mortgage ssearchllth Georgia propertysearcha Mortgage d0just have the buyer assume the loan. Also, Freddie and Fannie have programs that will allow them to lend you additional proceeds in the future in the form of a second mortgage.  There are restrictions and it does not always work, but it is there for some circumstances.  Selling the property that has a low interest rate mortgage may even boost your value if the financing is assumable and the rate is below the levels a buyer can get in the current market.
While I think the rate trade off for a YM loan is reasonable and would choose a YM loan because of the lower rate there are a few things to consider.  First, don’t just choose the longest term you can, try to match the loan term with the term you intend to keep the loan. Second, look at all features of the YM prepay. You need to look at the term of the YM as well as the amount of free time with no prepay.   Most calculations are for a YM period of 6 months less than the loan amount, but some run the full term of the loan. Also, most YM loans call for only 3 months at the end with no prepayment premium, till then the 1% minimum is in place. Finally it’s possible to buy a shorter term YM on a loan, say 7 years of a 10 year loan.  There is a cost to this, but depending on your real estate strategy the cost might be worth it. Â
In general you have little choice on your prepay if you want the lowest rate. However, you should understand the loan you are getting into. If you have any questions please talk to your real estate finance advisor or contactus@mfloan.com and we will try to assist you.
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