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How do you know whether the bank classes your home loan as a "subprime" loan?

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Home Loan

My loan is fixed rate, my monthly payment is fairly low, and I put down a large downpayment. But it was my first home, and I find myself wondering if I had a "bad risk" loan or a normal home loan, after hearing constant talk about "the subprime lending debacle". Any info you can offer will be appreciated.

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1 Answers

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    If you put a substantial down payment and have decent credit then chances are real good that you are not in a sub prime loan as these loans are typically out of the ordinary type loans such as no-doc, stated income or even 100% financing which I don’t even think you can get anymore. When in doubt call your lender and ask.

    rick - Aug 27, 2012 | Reply

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