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Fixed Rate Mortgage

fixed rate mortgage loan and programs For borrowers that plan to stay in their homes for a long time, Bank of England Mortgage offers several fixed rate mortgage options—including 10, 15, 20, and 30 year programs.

They are ideal for you if you are looking to build equity, through the purchase of a stable, traditional mortgage. Our loan team can develop a comprehensive spreadsheet that illustrates the difference in payments among the fixed-rate mortgage options. They will be discussed with the consumer to help determine the choice that best meets their needs.

Fixed Rate Mortgage Options

30-Year Fixed

This option offers the benefit of the most stability. Many consumers select this option because it offers a consistent payment, that will never change. However, the interest rate is higher than shorter fixed-rate options. However, because payments are amortized over a longer time period, monthly payments are lower.

20-, 15-, and 10-Year Fixed

Borrowers that elect to purchase fixed-rate mortgages of a shorter duration, such as a 20-, 15-, or 10-year fixed-rate mortgage programs, pay higher monthly payments, but the interest rate is lower on these mortgages than on 30 -year mortgages

Rest assured, a Bank of England Mortgage loan specialist will walk you through the options and help you select the mortgage that fits your needs.

Contact your local branch to get started.

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FHA Loans

BOE Mortgage FHA loans We are pleased to announce that we have lowered our minimum credit score standard on all FHA loan products. There are countless reasons why an FHA loan might be right for you, but here at Bank of England Mortgage, we believe that these four features are what really sets FHA loans apart.

Great Rates and Low Monthly Mortgage Insurance

A distinct advantage of an FHA insured loan, as compared to a conforming loan, is great interest rates and lower monthly mortgage insurance (MI). Depending on the program, standard FHA loan interest rates are usually better than a conforming 30-Year Fixed loan.

Credit Flexible

FHA loans are not score driven. Instead, they are written in a way that provides the borrower the benefit of the doubt that there had been, at some point in their past, circumstances beyond their control, and as long as the borrower has recovered from those circumstances in a reasonable manner, they're generally going to be credit-eligible for an FHA loan.

Safest ARM Currently Available on the Market

FHA guidelines give you the option of doing hybrid Adjustable Rate Mortgages (ARM), including a 3/1 ARM and a one year ARM that has the lowest adjustment caps of any ARM in the industry.

Variety of Property Types Allowed

While FHA Guidelines do require that the property be Owner Occupied (OO), they do allow you to purchase condos, planned unit developments, manufactured homes, and 1-4 family residences, in which the borrower intends to occupy one part of the multi-unit residence.

Streamlined Refinance and Assumable Loans

One of the most important advantages of an FHA loan is the ability for the loan to be assumed. This gives the buyer a significant advantage in a high interest rate market. FHA loans are eligible for streamlined refinance, a program HUD offers that allows the borrower to easily refinance the loan to reduce their interest rate and lower their monthly payment.

FHA Loan FAQs

If you're in search of information on FHA loans, we can help! Here are our most frequently asked questions about FHA home loans.

Contact your local branch to get started.

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VA Loans

BOE Mortgage VA Loans Here you'll find long-term insurance-free VA home loans that are guaranteed by the United States Veterans Administration.

Bank of England Mortgage offers affordable, easy-to-understand VA Home loans in recognition of the contributions and sacrifices veterans have made for America. Whether you're buying your first home, refinancing your existing mortgage, or thinking of building your one-of-a-kind dream house, Bank of England Mortgage is your ultimate Veteran's Affairs loans information center.

We'll compare VA home loan interest rates and negotiate the very best deal. We'll also explain important factors to consider, such as the option to prepay your VA mortgage loans without penalty, and how a lack of mortgage insurance premiums can lower your monthly payments. We can even show you how to get VA home loan funds to improve your home's energy efficiency! Did you know your VA benefits can be used again even if you used it in the past?

Our highly trained professionals make applying for VA loans online a breeze! At Bank of England Mortgage you'll discover super low fixed-rate interest options, up to 100% financing, and you may not even need a down payment! Call us now and let us help you find the perfect VA home loan to suit your individual needs.

Contact your local branch to get started.

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Jumbo Loans

BOE Mortgage Jumbo loans We Make Qualifying For A Large Loan Straightforward, Fast, Easy. At Bank of England Mortgage, our specialty is funding the dream of homeownership - no matter the size of the loan or dream - for that matter.

That's why we created our jumbo mortgage lending program - a full suite of offerings designed with the needs of borrowers that seek larger loan amounts than were available through traditional lending options.

It's as simple as it sounds. We call it a jumbo mortgage because it is larger than other more "typical" home mortgage loans. To determine if a jumbo mortgage is right for you, please contact your local branch for more information.

Why would I need a jumbo mortgage loan?

If you are seeking a loan amount in excess of $548,250, then you need a jumbo mortgage loan. Each year, Fannie Mae and Freddie Mac , two government sponsored enterprises, set loan maximums. When loan amounts exceed their limits - the borrower is purchasing a jumbo mortgage loan.

How much money can I be qualified for with a jumbo mortgage?

Depending on the borrower's financial profile, you can qualify for $548,250 to $1,500,000.

What kind of credit score do I need in order to qualify for either an interest-only jumbo mortgage or jumbo mortgage?

That depends on the type of loan. Credit scores for jumbo mortgages are similar to conventional credit score requirements.

Our Loan Specialists are trained to work with you to determine if you qualify for a jumbo mortgage.

Contact your local branch to get started.

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Vacation Home Loans

BOE Mortgage Vacation Second Home Loans Bank of England Mortgage's Vacation-Second Home Mortgages offer a broad array of fixed, adjustable, and interest-only options. We work together with our clients to identify the ideal mortgage for your vacation home.

Get your Bank of England vacation home mortgage loan and make your dreams a reality - backyard barbeques and sunsets by the lake. Fun-filled relaxing fishing trips with children and grand children. Exciting family skiing vacations. A lifetime of memories.

It's time to buy your vacation home - and that means a vacation home mortgage loan from Bank of England Mortgage.

If you're in need of a mortgage for a vacation home, we eliminate the hassles and the headaches from the process.

Why is it called a vacation home mortgage?

We call it a vacation home mortgage to eliminate the confusion between a second mortgage and a home equity loan.

What's the difference between a second mortgage and a home equity loan?

A second mortgage loan covers the costs of a second home, for example, a vacation home. The result is that the borrower has two mortgages and two homes. A home equity loan, on the other hand, allows the borrower to refinance their existing mortgage to get cash - or equity - out of their home. It's still one mortgage, but it's been refinanced.

Are interest-only vacation home mortgage rates available?

Yes! You can choose to pay a fixed, interest-only rate for a period of 10 years or 15 years with our interest-only vacation home mortgage.

How much money can I be approved for with a Vacation Second Home mortgage?

Depending on your income and expenses, you may qualify for a loan of $453,100 to $1.5 million. we are committed to working with you to help make your vacation home mortgage dreams come true.

Contact your local branch to get started.

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USDA Loans

BOE Mortgage USDA loans A home loan from the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, is a mortgage loan offered to rural property owners by the United States Department of Agriculture.

A USDA home loan is different from a traditional mortgage offered in the United States in several ways.

  • USDA loans require no down payment, you may finance up to 100% of the property value.
  • You must meet the income restrictions for the County you are interested in. Each county has a maximum Income Requirement. The USDA Home Loan Program does allow for considerations for expenses like Child Care.
  • To be eligible, you must be purchasing a property in a rural area as defined by the USDA. Often times the eligible property is just outside city limits.
  • The home or property that you are looking to purchase must be owner-occupied, investment properties are not eligible for USDA loans.
  • Refinancing your current USDA loan is also available.

Type of USDA Loan

Guaranteed USDA Loans
USDA partners with local lenders to offer guaranteed loans. Guaranteed means USDA insures a portion of the mortgage in the event you default on your loan. Therefore, these lenders tend to feel comfortable offering modest loan terms to low-income individuals with less-than-favorable credit scores. These types of loans typically suit low- or moderate-income borrowers. To be eligible for a guaranteed USDA loan, your adjusted household income can’t exceed more than 115% of the median family income in the designated rural area you wish to live in. Household income generally includes the combined income of the loan applicant and every adult in the household, regardless if their names are on the loan application.

Direct USDA Loan
USDA funds the borrowers of these loans directly. In other words, your lender becomes USDA instead of a bank. These loans usually favor low-income and very-low-income Americans who can’t access any other type of financing for an adequate residence. Qualifying borrowers’ income must fall at or below the low-income limit in a designated area as defined by USDA. In some areas, the limit falls below $17,000.

USDA Home Improvement Loans
These loans help low-income Americans repair or enhance their homes. Depending on your circumstances, USDA may combine these with grants you don’t have to pay back.

Contact your local branch to get started.

Close this Window Renovation Loans USDA Loans

Reverse Mortgages

BOE Mortgage Reverse Mortgages A reverse mortgage is a non-recourse loan, which means the borrower (or the borrower's estate) of a reverse mortgage will not owe more than the future loan balance or the value of the property, whichever is less. If the borrower or representatives of his or her estate choose to sell the property to pay off the reverse mortgage loan, no assets other than the home will be used to repay the debt. If the borrower or his or her estate wishes to retain the property, the balance of the loan must be paid in full.

Let Your Home Take Care of You with a Reverse Mortgage/ Home Equity Conversion Mortgage

Reverse mortgages were created specifically for senior homeowners, allowing them to make the most of the equity they have acquired in their homes.

With a reverse mortgage, you borrow against the equity you have established in your home and do not need to repay the loan for as long as you live in the home as your primary residence, maintain your home in good condition, and pay property taxes and insurance. You can live in your home and enjoy making no monthly principal and interest mortgage payments.

Depending on your financial situation, a reverse mortgage has the potential to help you stay in your home and still meet your financial obligations.

We realize that reverse mortgages may not be right for everyone, give us a call so we can help walk you through the process and answer any questions you may have.

Reverse Mortgages vs. Traditional Mortgage or Home Equity Loans

A reverse mortgage is the opposite of a traditional mortgage. With a traditional mortgage, you borrow money and make monthly principal and interest mortgage payments. With a reverse mortgage, however, you receive loan proceeds based on the value of your home, the age of the youngest borrower, and the interest rate of your loan. You do not make monthly principal and interest mortgage payments for as long as you live in, maintain your home in good condition, and pay property taxes and insurance. The loan must be repaid when you pass away, sell your home, or no longer live in the home as your primary residence.

Home Equity Conversion Mortgage (HECM)

  • A Home Equity Conversion Mortgage, or HECM, is the only reverse mortgage insured by the U.S. Federal Government, and is only available through an FHA-approved lender.

If you're age 62 or older, a Home Equity Conversion Mortgage (HECM) for Purchase from Bank of England Mortgage may be a smart choice for financing a new place to call home.

Rather than having to seek conventional financing, borrowers age 62 and older can purchase a new residence while eliminating mortgage payments* through a reverse mortgage (Of course, they’ll still be responsible for paying property taxes and required homeowners’ insurance). This may help them more comfortably afford an upgrade, or spend less money out-of-pocket. Retiring Boomers are choosing to maintain a comfortable lifestyle in a home that better fits their needs. You own the home, with your name on the title and the home purchase and a reverse mortgage closing are rolled into one, making your process simpler.

How Much Can Be Borrowed?

In general, the more your home is worth, the older you are, and the lower the interest rate, the more you will be able to borrow.

The maximum amount that can be borrowed on a particular loan program is based on these factors:

  • The age of the youngest borrower at the time of the loan
  • The appraised value of the home
  • Current interest rates

Initial Eligibility Requirements for Reverse Mortgages

The initial eligibility requirements are quite simple.

  • Homeowners must be 62 years of age or older and occupy the property as their primary residence
  • The property may be a Single family or a 2-4 Unit property, Townhome, or FHA-approved Condominium
  • The home must meet minimum FHA property standards
  • Borrower cannot be delinquent on any federal debt
  • Completion of HECM counseling

All loans are subject to credit approval including credit worthiness, insurability, and ability to provide acceptable collateral. Not all loans or products are available in all states or counties. A reverse mortgage is a loan that must be repaid when the home is no longer the primary residence, is sold, or if the property taxes or insurance are not paid. This loan is not a government benefit. Borrower(s) must be 62 or older. The home must be maintained to meet FHA Standards, and you must continue to pay property taxes, insurance and property related fees or you will lose your home.

Contact our Reverse Mortgage Team today to get started!

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Renovation Loans

BOE Mortgage Renovation loans Renovation loans give you flexibility. Whether you are building, buying, or refinancing your home, a renovation loan allows you to add a room, remodel, and upgrade. Save by financing renovation costs into your mortgage rather than racking up credit card bills or dipping into your savings.

With one loan, there's only one application, one set of fees, one closing and one monthly payment. Improvements may include repairs and renovations that adds value to your home, including a garage, swimming pool and energy-efficiency upgrades.

Contact your local branch to get started.

Close this Window 203(k) Loans Renovation Loans

Down Payment Assistance

BOE Mortgage Down Payment Assistance At Bank of England Mortgage, we understand from time to time, we all need a helping hand. So... we're here, beside you every step of the way on your home buying journey.

The U.S. Department of Housing and Urban Development (HUD) provides grants to state and local organizations

A DPA grant decreases homebuyer costs, avoids burdening the homebuyer with additional

Often times;

  • A DPA grant never has to be repaid.
  • Grant reduces debt and creates positive home equity.
  • Grant creates a positive impact on housing economy.
  • Not limited to first time homebuyers
  • State funded

Contact your local branch to get started.

Close this Window Home Equity Loans Down Payment Assistance

203(k) Loans

BOE Mortgage 203k loans At Bank of England Mortgage, the Section 203(k) program enables homebuyers and homeowners to finance both the purchase (or refinancing) of a house and the cost of its rehabilitation through a single mortgage or to finance the rehabilitation of their existing home.

Section 203(k) fills a unique and important need for homebuyers. When buying a house that needs repair or modernization, homebuyers usually have to follow a complicated and costly process. The interim acquisition and improvement loans often have relatively high interest rates, short repayment terms and a balloon payment.

However, Section 203(k) offers a solution that helps both borrowers and lenders, insuring a single, long term, fixed or adjustable rate loan that covers both the acquisition and rehabilitation of a property. Section 203(k) insured loans save borrowers time and money. They also protect the lender by allowing them to have the loan insured even before the condition and value of the property may offer adequate security.

For less extensive repairs/improvements, a Limited 203K is available.

The types of improvements that borrowers may make using Section 203(k) financing include:

  • structural alterations and reconstruction
  • modernization and improvements to the home's function
  • elimination of health and safety hazards
  • changes that improve appearance and eliminate obsolescence
  • reconditioning or replacing plumbing; installing a well and/or septic system
  • adding or replacing roofing, gutters, and downspouts
  • adding or replacing floors and/or floor treatments
  • major landscape work and site improvements
  • enhancing accessibility for a disabled person
  • making energy conservation improvements

HUD requires that properties financed under this program meet certain basic energy efficiency and structural standards.

Contact your local branch to get started.

Close this Window Adjustable Rate Mortgages 203(k) Loans

Home Equity Loans

BOE Mortgage Home Equity Loans With so many programs to choose from, deciding between a home equity loan a line of credit can seem like a daunting task. Whether you want to consolidate debt, pay tuition or make home improvements, the experts at Bank of England Mortgage have the information you need to make a decision and achieve you financial goals.

Home Equity Loan FAQs

If you're in search of home equity loan information, we can help! Here are our most frequently asked questions about home equity loan refinancing.

Why choose Bank of England Mortgage for home equity loan refinancing?

Bank of England Mortgage is a reputable bank best known for its simple, hassle-free service. After more than 110 years in business, we have learned that its customers want the lowest possible rates and the highest level of customer service. Whether you're buying your first home or you need home equity loan information from a trusted source, we can help.

What exactly is home equity loan refinancing?

Home equity loan refinancing allows you to unlock money from the value of your home - its low interest rates help you consolidate debt, pay college tuition, make home improvements or even take a vacation. Let us help you choose the program that's right for you - contact your local branch today for more home equity loan information.

Is home equity loan refinancing the same as home equity line of credit?

Not quite. With a home equity line of credit, your monthly payment is based on the balance you presently owe, whereas the home equity loan locks you into predetermined monthly payments based on the original amount borrowed.

At any of our branches in your area, you can compare home equity loan rates quickly & easily!

Close this Window Fixed Rate Mortgages Home Equity Loans

Adjustable Rate Mortgages

BOE Mortgage Adjustable Rate Mortgages Many homebuyers opt for Adjustable Rate Mortgages because they offer a low-interest rate and monthly payment. That's because they meet the needs of homeowners well, and here's why: Most borrowers stay in their homes just five to seven years, making 3-, 5-, or 7-Year ARMs excellent loan options for them.

Adjustable Rate Mortgages

Bank of England Mortgage's adjustable rate mortgages offer an excellent option for many homebuyers - a lower rate than traditional fixed-rate mortgages offer and the stability of longer-term fixed-rate mortgages. To be sure, the longer the rate is fixed and the more stability the borrower receives.

Interest rates on adjustable rate loans are attractive and fixed until they reset in 3, 5, 7, or 10 years.

Many borrowers, not surprisingly, prefer them, especially those who plan to move before interest rates on their loans reset.

3-Year ARM

The 3-year ARM loan is amortized over 30 years, and its rate is fixed for the first 3 years, and it becomes an adjustable mortgage for the remaining 27 years of the 30 year cycle.

5-Year ARM

The 5-Year ARM loan offers an interest rate that is fixed for 5 years, and it becomes an adjustable mortgage for the remaining 25 years.

7-Year ARM

The 7-Year ARM loan provides an interest rate that remains fixed for seven years, and it becomes an adjustable mortgage for the remaining 23 years.

10-Year ARM

The 10-Year ARM loan offers an interest rate that is fixed for the first 10 years, and it becomes an adjustable mortgage for the remaining 20 years.

Contact your local branch to get started.

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Summer Home

Published: July 2019
Author: Bank of England Mortgage Staff

Second Home According to Money Magazine, now is the time to purchase if you’re considering a second or vacation home. Across the country, prices are near or below their five-year lows. In Vail, Colorado, home prices are down 30% from their highs. Pebble Beach, perhaps the most renowned golf area in the U.S., has seen a decrease of 36.3% in square-foot prices compared to five years ago. And prices in Orlando, Florida, home of the Walt Disney World theme park, are down more than 50% from their highs.

Will prices go lower? It’s impossible to tell, but Stan Humphries, chief economist at Zillow, says, “It’s a fool’s errand to try to time the bottom for both economists – and buyers and sellers. If you find a house that you love and want to be in for a long period of time, now is potentially a good time to wade into the market.”

Advantages of Owning a Second Home

Whether you’re a skier who loves the mountain slopes of Colorado or Utah, a lover of the beaches of Southern California and Florida, or a potential retiree seeking to escape the snow-laden Northeast for the wide open, sunny lands of Arizona or South Texas, there are homes available to meet a wide range of budgets. The same benefits of home ownership apply to the owner of a condominium in Boston, or a mansion at the Homestead in Hot Springs, Virginia.

1. Long-Term Profits
While all assets fluctuate in value in the short term, vacation properties are more likely to retain their value and appreciate simply because they are located in popular areas with a geographically limited supply. There is a finite shoreline or mountain on which houses can be built, and only 18 holes on a golf course.
But real estate, like stocks, bonds and other investments, has always fluctuated in value and will likely continue to do so in the future. Therefore, be aware that there is no guarantee that a second home will sell for a higher price in the future.

2. Tax Deductions
Many people who own second homes prefer to keep them unoccupied when not being used for personal enjoyment. If you allow and charge rent for occupancy for no more than two weeks per year, the interest on the mortgage and the property taxes are fully deductible from your gross income. In other words, for tax purposes, you can treat this mortgage the same way you would the mortgage on your primary residence.

3. Rental Income
If you decide to rent your home, but personally use the property as well, you’ll need to determine whether you’re eligible to deduct operating expenses. To determine this, add up the days you rented the property. If you occupied the property fewer than 10% of the days you rented it or for less than two weeks – whichever is greater – you can deduct all of the operating expenses of the home including interest, utilities, cleaning fees, lawn maintenance, and management fees. If you need help determining what you’re eligible to deduct, contact a tax professional or review IRS Publication 527 on vacation rentals.
Rental fees vary according to seasons and the popularity of the resort location. For most resorts, peak season weekly rental fees are usually equal to or greater than the property’s monthly mortgage payment, allowing you to break even with an annual occupancy around 30% from a cash flow viewpoint.

4. Familiarity
Returning to the same place time and after time can be comforting as you become familiar and comfortable with the location. It allows you the freedom to be yourself and the opportunity to expand long-term friendships with residents – you can become part of the social fabric.

5. Convenience
The ability to conveniently store items that are used exclusively at the second home simplifies travel and packing. My family’s ski paraphernalia, along with extra winter clothes, was stored at our house in Breckenridge, Colorado, allowing us to easily make unscheduled trips for a weekend of skiing without the hassle of packing or worrying if our skis would arrive on the same airline flight.

6. Retirement Head Start
Though we may love the places where we work and live, every place has its drawbacks. If you live in Texas, for example, the summers of 100-plus-degree temperatures are brutal. People in Chicago, Philadelphia, and other northern cities often hate the annual struggle with snow.
A common goal of retirement is to have a place of retreat for the times of the year we dislike the most at our main residence. Locating and buying a second home prior to retirement enables you to experience the benefits of a refuge before actual retirement, a time to correct and amend your plans if the reality is different than the dream.

7. Location for Gatherings
Places stir memories of people, relationships, and good times. As a member of a large extended family, I’ve always enjoyed the annual Independence Day gathering at my cousin’s lake house. The get-togethers started when I was a young boy when my father and his two brothers purchased a lot on a large lake in western Oklahoma, and have continued through the birth of my children and grandchildren. The annual visit has become a tradition that has kept our ever-growing family close as we spread across the region and country.
The intangible benefit of owning and passing property from generation to generation – especially a home that has been and will continue to be the site of many happy gatherings – is incalculable.

8. Access to Other Vacation Homes
Many second homes are located in areas that people like to visit – resorts, golf courses, mountains, seashores – and their attraction is universal. As a result, owners in one location often arrange to trade time in their house for time in a home located in another region. This is referred to as a home exchange.

Steps to Purchase a Vacation Home


The purchase of a home, whether a primary residence or a vacation spot, can be a complicated process and a significant financial commitment. However, by following the proper steps, you can make the experience as painless as possible.

1. Determine Your Ideal Location
Resort areas usually have a wide range of properties to fit a variety of budgets. The greater the area you’re willing to consider, the more likely you are to find a property that fits your own budget. Do you, for example, have to live on the ocean or on a specific mountain slope, or would you be willing to drive to the beach or ski lift?

2. Establish a Price Range
Owning a second home should be pleasurable, not the source of constant financial strain. For purposes of a price range, assume that your down payment, closing costs, and furnishing will be 33% of the purchase price. In other words, if you have $50,000 in cash, your beginning price range should be between $130,000 and $170,000.

3. Engage a Local Realtor
The assistance of a local real estate agent is invaluable during your search for the vacation home of your dreams. A good agent can guide you through the purchase process, help you find mortgage financing, and may be able to manage the property when you’re away. Even if you’re purchasing a fractional interest from a real estate developer, the Realtor may help you get a better deal.

Bank of England Mortgage's Vacation-Second Home Mortgages offer a broad array of fixed, adjustable, and interest-only options. We work together with our clients to identify the ideal mortgage for your vacation home.

Get your Bank of England vacation home mortgage loan and make your dreams a reality - backyard barbeques and sunsets by the lake. Fun-filled relaxing fishing trips with children and grandchildren. Exciting family skiing vacations. A lifetime of memories.

Source: https://www.moneycrashers.com/buying-second-vacation-home/