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The Latest News on Interest Rates and Down Payments
Manage episode 178793255 series 1432373
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If you’re worried about rising interest rates or having to put down 20% to purchase a home, I have some great news for you.
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Do you have to put 20% down in order to purchase a home? How much will rising interest rates affect the market? I get those two questions quite often, and I have some great news!
First, 30-year fixed loans are still at a 4% interest rate, which is still very attractive.
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A 4% interest rate is still very attractive.
” Second, we have conventional financing with 20% down or more. However, we have a number of programs that require a substantially smaller down payment. FHA loans are about 3.5% down, rural development loans are 0% down, VA loans are 0% down, and regular conventional loans can be anywhere from 3% down to 15% down depending on what you qualify for.
There are a number of ways you can get into a home, and if you have any questions, please feel free to give me a call. I’m always happy to help!
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