{"id":786,"date":"2013-02-28T16:58:10","date_gmt":"2013-02-28T16:58:10","guid":{"rendered":"http:\/\/riverbankfinance.com\/blog\/?p=786"},"modified":"2013-09-06T22:32:12","modified_gmt":"2013-09-06T22:32:12","slug":"fha-mortgage-insurance-premiums-going-up-soon","status":"publish","type":"post","link":"https:\/\/riverbankfinance.com\/blog\/fha-mortgage-insurance-premiums-going-up-soon\/","title":{"rendered":"FHA MORTGAGE INSURANCE PREMIUMS TO GO UP APRIL 1ST!"},"content":{"rendered":"<p><a href=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2013\/02\/fha-mortgage-insurance-rising.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft  wp-image-787\" alt=\"FHA mortgage insurance premiums rising\" src=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2013\/02\/fha-mortgage-insurance-rising.png\" width=\"300\" height=\"300\" srcset=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2013\/02\/fha-mortgage-insurance-rising.png 500w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2013\/02\/fha-mortgage-insurance-rising-150x150.png 150w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2013\/02\/fha-mortgage-insurance-rising-300x300.png 300w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a>Unfortunately, FHA has recently announced some change to the FHA mortgage insurance premiums for all new FHA loans starting April 1, 2013.\u00a0 It just seems as if FHA continues to raise the mortgage insurance premiums to try to get it back in line so the program remains self funding.\u00a0 Unfortunately, the reason behind these changes are because current homeowners are defaulting on their payment and not paying their FHA premiums that are already due.\u00a0 FHA will continually keep checking the overall strength of this great program.\u00a0 Starting April 1<sup>st<\/sup> homeowners will pay 1.55% for all upfront mortgage insurance.<\/p>\n<p><b><span style=\"text-decoration: underline;\">Streamline your FHA loan to reduced premiums amounts if you obtained your mortgage prior to \u00a0June 1, 2009<\/span><\/b><\/p>\n<p>One thing that is not going up is the FHA streamline refinance loans as long as you loan originated before June 1<sup>st<\/sup> 2009.\u00a0 If your FHA loan originated prior to June 1<sup>st<\/sup> 2009 you will get a break on your mortgage insurance premiums.<\/p>\n<p>Here is a chart which helps explain the mortgage insurance premiums:<\/p>\n<ul>\n<li>15-year fixed rate mortgage with LTV of 78% or less: No annual MIP required.<\/li>\n<li>15-year fixed rate mortgage with LTV greater than 78%: .55% annual MIP<\/li>\n<li>30- year fixed rate mortgage, all LTVs: .55% annual MIP<\/li>\n<\/ul>\n<p><b><span style=\"text-decoration: underline;\">It\u2019s time to beat the April 1<sup>st<\/sup> deadline<\/span><\/b><\/p>\n<p>If your loan is already in process the chances are good that you will be lovked into the old FHA mortgage insurance premiums.\u00a0 It is very important to hurry up and beat these changes so you will not need to spend out unnecessary money which could be avoided.\u00a0 Contact Riverbank Finance today to lock in your FHA loan or FHA Streamline Refinance MIP before the premiums change!<\/p>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f185-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"185\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/786#wpcf7-f185-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"185\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f185-o1\" \/><input type=\"hidden\" 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rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"Your Message:\" name=\"your-message\"><\/textarea><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"referer-page\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text referer-page\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"referer-page\" \/><\/span><br \/>\n\t\t\n\t\t<\/p>\n\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner submit\" type=\"submit\" value=\"Submit Now!\" \/>\n\t\t<\/p>\n\t<\/div>\n\t<div style=\"text-align: justify; color:#666666;font-size: small;\">\n\t\t<p>By clicking \"Submit Now!\", you consent to receive calls and texts at the number you provided, including marketing by autodialer and prerecorded and artificial voice, and email, from Riverbank Finance LLC about your inquiry and other home-related matters, but not as a condition of any purchase; this applies regardless of whether you check, or leave un-checked, any box above. You also agree to our Privacy Policy and Terms of Use regarding the information relating to you. Msg\/data rates may apply. This consent applies even if you are on a corporate, state or national Do Not Call list. This no obligation inquiry does not constitute a mortgage application. To apply now or get immediate assistance, call us at 1-800-555-2098.\n\t\t<\/p>\n\t<\/div>\n<\/div><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"101\"\/><script>\ndocument.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );\n<\/script>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Unfortunately, FHA has recently announced some change to the FHA mortgage insurance premiums for all new FHA loans starting April 1, 2013.\u00a0 It just seems as if FHA&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[307,1,305],"tags":[156,358,357,360,359],"class_list":["post-786","post","type-post","status-publish","format-standard","hentry","category-fha-mortgage","category-local-michigan","category-refinance-2","tag-federal-housing-administration","tag-fha-mortgage-insurance","tag-mip","tag-mip-schedule","tag-mortgage-insurance-changes"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"FHA mortgage insurance premiums (MIP) are going up starting April 1st, 2013. 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