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Adam Klayman
Works at ResMac Mortgage
Attended Pennsylvania State University
Lives in St. Augustine, FL 32080
177 followers|19,823 views
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A great value home in St. Augustine. Look at those views!
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The First-Time Buyers’ Guide to FHA Mortgage Loans
Part One of Two

“Buying a home has always been about more than owning a roof and four walls. It’s about investing in savings and building a family and planting roots in a community.”

That was the message from the Obama Administration earlier this year, when they put FHA loans back into the spotlight by significantly reducing the cost of monthly mortgage insurance for every new mortgage backed by FHA.

As you embark on your home buying journey you’ll hear plenty of industry terms and mortgage jargon. The more you know, the smoother your process will go.

FHA Mortgage Terms to Know

Annual Percentage Rate (APR) - a measure of the cost of credit, expressed as a yearly rate. It includes interest as well as other charges. By federal law all lenders follow the same rules to calculate APR which makes it a good basis for comparing the cost of loans.

Debt-to-Income (Front-end) Ratio - a percentage comparing a borrower’s total monthly cost to buy a house (mortgage principal and interest, insurance, and real estate taxes) to monthly income before deductions.

Pre-Approval - a lender commits to lend to a potential borrower a fixed loan amount based on a completed loan application, credit reports, debt, savings and has been reviewed by an underwriter.

Check out the rest of the terms to know here --> http://goo.gl/lrNhnS

#homebuying     #TermstoKnow   #mortgage  
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Get your first time homebuyers $2,000 per year back on their federal income taxes with our tax credit program. USDA, VA, FHA and CONV loans are all eligible.

This is a very important program that will help your buyers for years to come. Every first time homebuyer needs to use this. This program is not available to all lenders. Please call or email me for more information. 904-728-4850. adammtg1@gmail.com 
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Adam Klayman

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A great value home in St. Augustine. Look at those views!
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Up-to-date photos, maps, schools, neighborhood info. & details for 525 3rd ST North, JACKSONVILLE BEACH, FL direct from Kathleen Floryan
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This is a very important program. Please call for more information.
 
Get your first time homebuyers $2,000 per year back on their federal income taxes with our tax credit program. USDA, VA, FHA and CONV loans are all eligible.

This is a very important program that will help your buyers for years to come. Every first time homebuyer needs to use this. This program is not available to all lenders. Please call or email me for more information. 904-728-4850. adammtg1@gmail.com 
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Jacksonville Refinance & St. Augustine, Florida Mortgage EXPERTS! The most experienced & ethical Ponte Vedra Mortgage Brokers offering you the best service and fees, with Low Fernandina Beach Mortgage Rates for all your Jacksonville Home Loan & St. Augustine refinance needs! ResMac - Home
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FHA reduces monthly mortgage insurance premiums !!!


In a move designed to bring more first-time homebuyers into the housing market, President Barack Obama said Wednesday the Federal Housing Administration (FHA), the government insurer of home loans, will lower its annual insurance premiums from 1.35 percent to 0.85 percent.
In a statement, the White House said the move was part of the president's efforts `"to expand responsible lending to creditworthy borrowers.'' The president is scheduled to talk about improvements in the housing market at a speech on Thursday in Phoenix, one of the hardest-hit markets of the housing crash.
Stocks of the nation's home builders rose on the news Wednesday, while those of mortgage insurers fell.
"This action will make home ownership more affordable for over two million Americans in the next three years," said Julián Castro, U.S. Department of Housing and Urban Development Secretary. "Since 2009, the Obama administration has taken bold steps to reduce risks in the mortgage market and to protect consumers. These efforts have made it possible to take this prudent measure while also ensuring FHA remains on a positive financial trajectory. By bringing our premiums down, we're helping folks lift themselves up so they can open new doors of opportunity and strengthen their financial futures."
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177 people
PRECIUM - South Coast Real Estate Buyers Agent's profile photo
Chuck Denton's profile photo
ISR Cognitive's profile photo
Adlain.com=Art's profile photo
Elisabeth Bobeck (Liz)'s profile photo
Tammy Sells Rockwood's profile photo
Mortgagefit's profile photo
Deborah Smith's profile photo
Josh Conklin's profile photo
Work
Occupation
Mortgage Banker- Branch Manager
Skills
Jacksonville Florida Metro mortgage lending- fha loans, Va loans, Conventional Loans
Employment
  • ResMac Mortgage
    Branch Manager, present
    Started and Manage the Ponte Vedra Florida branch of Resmac Mortgage
Places
Map of the places this user has livedMap of the places this user has livedMap of the places this user has lived
Currently
St. Augustine, FL 32080
Previously
Ponte Vedra, FL 32082 - Broomall, PA 19008
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Tagline
Jacksonville Florida Mortgage lender specializing in FHA, VA, USDA, Jumbo and Conventional loans
Introduction
Please visit my Website: ResMac Mortgage . I am committed to providing my clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Florida. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, my highly experienced team can help make your dreams come true. At ResMac, my ultimate goal is to create lasting relationships with each of my clients so that I may continue providing excellent service for many years to come. I specialize in the following Florida mortgage loans: - Home Purchase Loans - Home Refinance Loans - Home Equity Loans - Cash Out Home Loans - Jumbo Home Loans - FHA Loans / VA/ USDA Loans Although we are located in Jacksonville, Florida, we offer unparalleled mortgage and refinance service to clients throughout the entire state of Florida! Call Adam Klayman at (904) 728-4850
Bragging rights
Have closed over 600 million dollars of loans in my career
Education
  • Pennsylvania State University
    Finance, 1984 - 1988
Basic Information
Gender
Male
Adam Klayman's +1's are the things they like, agree with, or want to recommend.
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A really good home inspector!!!! It's as simple as that.
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We had a pre inspection performed by Knight Home Inspections and we couldn't have been happier. Kevin was polite, friendly and professional and relieved our worries concerning the condition of our home. We highly recommend this company.
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