Akā,ʻaʻohe pane pane no ka meaʻo ka koho maikaʻi loa iāʻoe ma muli o kāu kūlana pilikino, keʻano o ka waiwai āu e makemake ai e kūʻai a me nāʻano uku o nā mea hōʻai'ē i waena o ka hapanui kālā.
Hiki iāʻoe ke hōʻai'ē mai nā kumu likeʻole e like me:
Uku Pākiki Mortgage
ʻO kaʻaneʻane 25% o nā hōʻai'ē paʻa a pau i hanaʻia maʻAmelika Huipūʻia, ua puka mai nā mea kūʻai ukali. Ua ho'ēmi kēia pakeneka i ka hapalua mai ka makahiki 2006. He kanaka kikowaena kālā ka mea nāna e hui pū aku i nā loina a me nā mea noi. Hiki i kekahi mea kūʻai i ka moraki i kekahi manawa ke lilo i mea hoʻoili mokuaka, akā,ʻaʻole nā loea mokulele a pau he mau ukana moraki.
Hoʻolimalima nā mea ukana i kēlā me kēia hana me nā mea hāʻawi kālā'ē aʻe, i kekahi manawa he mau haneli. He mea nui e nīnau e pili ana i keʻano o nā huahana i hāʻawiʻia no ka mea eʻokoʻa ana kēia mai ka mea kūʻai aku i ka mea kūʻai. Ke kākoʻo nei kāu koho i ka helu helu o ka pilikino.
- E ukuʻia nā uku e ka mea kūʻai a mea hāʻawi paha aʻelua paha.
- ʻO nā loina ma "par" keʻano kūʻaiʻole ka mea kūʻai.
- Hiki i nā mea kūʻai ukali ke hana i nā ukana ukana "mua-mua",ʻo ia hoʻi, e kūkākūkā pololei lākou me ka mea kūʻai aku no ka kūʻaiʻana i nā kumukuai a me nā uku.
Kāpena Mortgage Bankers
Hiki iāʻoe ke kuhi kālā, nā hana ukali o ka'auke kālā. Hiki iā lākou ke pani aku i kahiʻoi aʻe o kaʻeke kālā ma mua o ka hoʻokahi, akāʻo nā pānaʻi a lākou e hana nei, he mau'auke kālā kīpē, i kālāʻia e kaʻaʻa.
- ʻAʻole hiki ke hoʻolilo i nā kumukūʻai i meaʻole a hoʻonohoʻia e ke kulekele kālā.
- ʻO nā hua kālā kālā kālā i kaupalenaʻia i kēlā mau hāʻawi kīʻale.
- ʻAʻole hiki ke hāʻawiʻia ka laikini e like me ka mea i makemakeʻia wale no e hoʻopaʻa inoaʻia me kahi palapala inoa.
Kālepa Pāʻoihana
ʻO Citigroup, Bank of America, a me Wells Fargo nā hiʻohiʻona maikaʻi o nā hale kūʻai kālepa kaulana. Kūʻawi nā kālepa kālepa i nā lawelawe likeʻole. ʻO kaʻoiaʻiʻo, he kahakai kou e like me kēia ma kou kaiāulu.
- ʻO ka kumuhana mua o kaʻoihanaʻaʻole e hana i nā loina moraki.
- He kūlana hoʻokūkū nā Bank .
- Hiki i kāu kāleka ke hāʻawi aku i kahi hōʻemi a mea hoʻoikaika paha i kāu noi inā e mālamaʻoe i kahi kope a hūnā pūʻai ma ia hale.
Nā Palena Hoʻokele a me nā Loan
Eʻaeʻia nā waihona kālā a me nā hōʻai'ē i ka waihoʻana mai nā mea kūʻai aku i nāʻike kālā kūʻai kālā a me ka uku paneeʻana ma ia mau helu. No ka paleʻana i ka hoʻiʻana e like me ka S & L i nā makahiki 1980, ua hoʻokomoʻo Pelekikena Bush ma 1989 i nā kānāwai Hoʻoponopono Kānāwai, Hoʻoponopono, a me ka Hoʻoikaika o 1989 (FIRREA). Ua mālamaʻia nā kumukūʻai a me nā hōʻai'ē e ka 'Oihana o ka Waihona WaihonaʻAmelika, Office of Thrift Supervision.
- ʻO ka kumuhana mua o kaʻoihana e hana nei i nā ukana waiwai.
- ʻAʻole hoʻolaha hoʻolaha a me nā loina i nā pāʻoihana aʻoihana kūʻai paha akā hāʻawi i ke kālā no ke kūkuluʻana, kūʻai a kūʻai paha i nā kumu hana.
- ʻO ka hana no ka loaʻaʻana o ka moraki heʻoi aʻe ka maʻalahi ma mua o ka heleʻana i kahi kālepaʻoihanaʻoihana .
Nā Kaliona Lapa
Hoʻopilikiaʻia kēia mau keʻena ma ka hāʻawiʻana i nā hoʻokūkū no ka mea,ʻaʻole e uku nāʻaha kālā i nāʻauhauʻauhau aʻaʻa i nā pono pāʻani aʻaʻole nāʻoihana hoʻohui'ē aʻe. Hoʻolālāʻia lākou e kahi hui o nā poʻe me ka loina likeʻole e like me ke aupuni Moku'āina a me nā poʻe hoʻonaʻauao o ke kaiaulu.
- Pono nā mea kūʻai e kūpono i nā kūpono e hiki ke kohoʻia no ka lālā.
- ʻO nā uku kumupaa a me nā hua'ōlelo he mea maikaʻi loa ia a me ka hoʻokūkū.
- Nui nāʻaha kālā i kūʻaiʻole i kā lākou mau loans moraki ma kaʻoihana kiʻekiʻe .
ʻO ke kanaka hoʻokahi
ʻO kekahi me ke kālā i ka'auke kālā e hiki iā ia ke hoʻolilo iāʻoe i kahi hoʻoili waiwai i ka wā e mālama ai lākou i nā kānāwai o ka moku'āina a me ka moku'āina e pili ana i nā mea e like me nā uku kumukūʻai, nā uku, a me nā koina, a hāʻawi i nā hōʻike hōʻike.
Nā Kōkua Brokerages a me nā mea kōkua aku
Mahalo pahaʻoe i kaʻike eʻikeʻia e ka hui e lawelawe ana i kāu IRA a iʻole kālā kālā a iʻole nā mea mālama pūnaewele i nā loans laikini . ʻO kekahi mau meaʻike maopopoʻia ka inoa,ʻo Capital One, Charles Schwab, a me Ditech.
I ka manawa e kākau ai,ʻo Elizabeth Weintraub, DRE # 00697006, he mea kūʻai aku ma ka Lyon Real Estate ma Sacramento, Kaleponi.
- Hiki i ka mea kūʻai aku ke hoʻihoʻi i nā pūnaehana kālā e like me ka moraki, palapala hoʻokele a palapala'āina paha.
- ʻAʻole pono ke koiʻia kahi kulekele a iʻole kulekele paha, akā, e loaʻa iāʻoe kahi hoʻolālā a me kahi palekana.
- Mālama maikaʻi ka mea nona ka waiwai i nā kuleana liʻiliʻi a hoʻomaopopoʻole no ka mea e loaʻa ana i kahi loina e loaʻa nei kahi'ōlelo hoʻoili.
- Inā makemakeʻoe e hoʻoluliluli i kou lima me kāu luna kaukau ma ke kino,ʻaʻole paha e lilo i mea nāna e hāʻawi i ke kikowaena no kāu.
- Makemake nā mea hoʻolaha pūnaewele e hana maikaʻi i nā mea hoʻolimalima akamai me nā helu FICO nui eʻike pono ana i kā lākou makemake.
- E kākoʻo wale aku i nā hui kaulana aʻikeʻia me nā pūnaewele palekana, a noho kaʻawale i nāʻoihana manu lele.