Noyes Real Estate
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Compare current rates in the Syracuse area 

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Mortgage Types

  • Conventional Mortgages are bank loans that are not insured or guaranteed by the federal government.  They can be fixed or adjustable rate and can vary in the length of repayment.  Mortgages with less than 20% down payment require Private Mortgage Insurance..
  • FHA Mortgages from the Federal Housing Administration require a 3.5% down payment and have low interest rates.  FHA charges a monthly Private Mortgage Insurance (PMI) fee if your loan is more than 80% of the appraised value of your home.
  • VA Mortgages are only available to those who served in the United States Armed Forces with an honorable discharge.  No downpayment is needed, and they offer one of the best mortgage rates available.
  • US Dept. of Agriculture Home Loan Programs  has a mortgage program for first-time home buyers who meet certain lower income requirements in certain locations.  To find out if  a house is in a USDA area, click here.
  • Reverse Mortgages allow cash-strapped older people to borrow against the equity in their home so they can afford to continue living in their home.  Beware – there can be downsides! The AARP website offers a comprehensive guide to lenders, fees, pitfalls and other specifics.

Contact Us for Free Valuations & Buyer Services

or contact us by email:
info@noyesre.com

Our Info

Noyes Real Estate
3228 McClure Drive
Bouckville, NY 13310
(315) 289-8520
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