Ka wehewehe: LA he hōʻailona i hoʻohanaʻia no ka papahana papahana a me ka papahana lalo . He polokalamu polokalamu ia i hoʻohanaʻia e nā mea originator loan e hiki ai ke loaʻa i kahi mea kālā ma o nā kulekele Fannie Mae no kahi kālā hoʻolimalima. Hoʻomaopopo pūʻia ka papa palapala papahana no nā FHA loans .
Ua maikaʻi ka DU me kaʻike i hāʻawiʻia i ka papahana. Hōʻikeʻo DU DU i ka lakene kālā hoʻolimalima hale a me ka hapaʻai kālā'ai'ē, me 3 mau helu FICO .
Hoʻopuka ka poʻe lend i waho o FICO a me lalo FICO a mālama i ka FICO waena.
Hōʻike ka DU i nā waiwai o ka mea'ai'ē (ke kumu o nā kālā e kūʻai ai) a me nā kuhihewa i hōʻikeʻia i ka mea nāna i hōʻai'ē. ʻO nāʻaeʻana e pili ana i ka hōʻai'ē hōʻai'ē i hōʻikeʻia i nā luna hoʻoili hōʻike hōʻai'ē. ʻO nā hualoaʻa e hōʻike ana i ka inoa o ka mea borrower, ka palena kūponoʻole o ke kuleana, e like me ka uku palena kālā.
Mahele o ka mea e pono ai ka papahana papahanaʻaʻole e hiki i ke kuhi kālā ke komo i nā kālā kālā e kūʻai i ka waiwai. I kekahi manawa, ināʻaʻole i hōʻikeʻia ka aie ma ka papahana papahana no ka meaʻaʻole i loaʻa ka hōʻailona moʻolelo he 12 mahina. ʻO ka manawa pinepine i ka hoʻopiʻiʻiaʻana o nā palekanaʻaʻole i kaupaonaʻia,ʻaʻole ia eʻae i ka hoʻoholo o ka papahana ma ka hōʻikeʻole a nānāʻia e kekahi mea loiloi.
E like me kāu eʻike ai, he mea hilinaʻi loa ia i ke kūlana kālā o ka mea kūʻai, me ka hōʻoiaʻole. ʻAʻole hiki i nā mea kūʻai ke hoʻokuʻu i ka DU i kahiʻupena me kaʻole o kaʻaeʻana i ka mea noi.
Ka Hoʻokaʻaʻike Pūnaewele i ka Desktop Underwriter
Lawe nā mea kūʻai i nā loea i nā mea noiʻi e hoʻopiha i kahi noi noi kālā, i kapaʻia he 1003 (heʻumi-oh-ʻekolu). ʻAʻole i hōʻoiaʻia ka waiwai i hōʻikeʻia i ka papahana o ka papahana, a he mea koʻikoʻi e noʻonoʻo. ʻO ka mea kūʻai aku e nānā i ka mea kūʻai mai o DU e hoʻoholo inā hiki iā ia ke kūʻai i kona haleʻaʻole ona waiwai e hōʻoia ai, aʻaʻole pono ka mea nāna e hōʻai'ē e hōʻoia i ka waiwai a hiki i ka hoʻomakaʻana o ka hōʻai'ē.
E nānā kekahi poʻe kānaka i ka hōʻike a DU a manaʻo i ka hōʻoia o ka loaʻa ināʻaʻole i hoʻokūpaʻaʻia ka waiwai a me ka hana. E hoʻomanaʻo i kekahi mau hapa o ka hana i loko o nā makahikiʻelua i hala aku nei e pono ana e ho'ākāka pono i ka weheweheʻana i nā palapala i hala.
Nā FICO Scores i hōʻikeʻia e Desktop Underwriter
Hiki i nā borrowers ke hele aku i ka pūnaewele a kūʻai aku i nā hōʻike pūnaewele FICO no ka meaʻaʻole lākou i maopopo i ka mea kūʻai e loaʻa i kēlā mau helu ma o ka papahana papahana. Eia kekahi,ʻo nā helu a kahi mea noi e hiki ke kūʻai aku i ka pūnaewele he mea likeʻole ia ma mua o ka helu FICO i hōʻikeʻia ma ka papahana papahana, no laila, he mea hoʻonele i ke kālā ma kaʻaoʻao o ka mea noi e ho'āʻo e hōʻiliʻili i kēlāʻike ma mua.
Loaʻa ka FHA i nā koi no FICOʻoi aʻe ma mua o nā loans kahiko i kūʻaiʻia i Fannie Mae. ʻO nā Borrowers me nā kiʻekiʻe FICO kiʻekiʻe e loaʻa ana nā uku liʻiliʻi a me nā'ōlelo hoʻolimalima maikaʻi'ē aʻe. ʻOiaiʻo nā mea noi kālā me nā haʻawina FICO haʻahaʻa e loaʻa ana i nā uku hoʻonui .
Nā Hōʻike i Manaʻoʻia e ka Desktop Underwriter
Hōʻikeʻia nā lakio i mua o ka hopena a me ka hope hope. ʻO nā kuhi mua e pili ana i ka uku hoʻolimalima holoʻokoʻa me he pakeneka o ka loaʻa kālā kālā. Hiki i ka PITI ke hoʻolilo i ka moraki hoʻoili a me ka hoʻoili waiwai hoʻoili pū kekahi, me ka uku o ka HOA ma ka mahina inā pili ka home i ka hui o ka mea hale.
Hoʻohālikelikeʻia ka nui o nā hale ma ka uku kālā o ka mea hōʻai'ē me ka loaʻaʻana o ka hapene o ka mahina. ʻO ka lalo o ka hapene,ʻo kaʻoi aku ka maikaʻi o ka mea noi iā ia ma keʻano he mea noi no ka hōʻai'ē. Inā nui ka lihi,ʻaʻole eʻae i ka mea noi mai ka papahana papahana.
ʻO ka hoihoi,ʻaʻoleʻo ia keʻano o ka palena mua e pepehi ana i kahi noi noi,ʻo ia ke kaʻina o hope. ʻO nā hopena hope loa e komo pū wale nō ka uku o nā hale a pau akā,ʻo nā uku'ai'ē likeʻole e like me ia i hōʻikeʻia i nā kumukūʻai hōʻike hōʻai'ē. Hoʻomaopopo ka mea noi iā ia e hiki iā ia ke mālama i kāna ukana o ka'ānana e noho nei, akā ināʻoi aku ka nui o ka lākiō,ʻaʻole eʻae i ka mea noi.
ʻAʻohe mea maʻamau kaʻikeʻana i nā lakio hopena e piʻi a hiki i kahi 50%. Inā hoʻohanaʻia he 50% o kāu kālā nui o kēlā me kēia mahina e ukuʻana i kahi hōʻai'ē a me kahi uku kūʻai hale hou, hiki i kekahi mea kūʻai hale maʻalahi ke nīnau i ka kūʻaiʻana i kahi home i kēia manawa i loko o ka makemake nui o kēlā kanaka.
Heʻoi aku paha ka maikaʻi o ka ukuʻana i kekahi o ia dālā ma mua o ka noiʻana i kahi moraki.
I ka manawa e kākau ai,ʻo Elizabeth Weintraub, CalBRE # 00697006, he mea kūʻai aku ma ka Lyon Real Estate ma Sacramento, Kaleponi.