ʻO nā mea ola o ka hōʻai'ē hōʻoia, ua hāʻawi kēia mau polokalamu i kahi lawelawe kūpono no nā wahi kūʻai hale hoʻokipa.
Mai ka hāʻawi kōkua hōʻai'ē e hāʻawi i nā moemoeki lua me ka ukuʻole a me nā papa hana hoʻolimalima kūikawā, e ulu ana ka nui o nā koho no ka mea kūʻai hale.
Pēlā ka poʻe e makemake ana e kūʻai i kahi home me ka hoʻopauʻoleʻana i kā lākou mau waiwai a me ka poʻe i nele i kēlā mau waiwai i ka wā mua.
Hiki i nā mea kūʻai ke loaʻa iā lākou he 120 pakeneka i ka 140 pakeneka o ka loaʻa o ka hapalua o ka hapalua ākea a ua kūpono no nā polokalamu kōkua kōkua haʻahaʻa.
Eia kekahi lā, hiki i kahi mea kūʻai aku e ola ana i Orange County, Calif., Kahi kokoke i $ 98,000 ma ka makahiki a hiki i ka loaʻaʻana o kahi kālā he 5% o ke kumukuai kūʻai o ka home, e like me nā koi o kekahi o nā kōkua kōkua kālepa ma ka moku'āina.
He aha nāʻano o ke kōkua kōkua hoʻokele i loaʻa
Ke hele mai nei nā kōkua kōkua ma nāʻano he nui, akā,ʻo nā kumuhana maʻamau ka:
ʻO nā haʻawina kōkua kaiāulu
Nā Hui Hana Aupuni
Nā Hale Hana Hale
Nā Polokalamu Hoʻopiʻi Kū'ē Hoʻoilinaʻo Lender Specific
ʻO Fannie Mae
ʻO Freddie Mac
Ka Hoʻolālā Hale Hoʻokena
Loaʻa nā kumuʻoi aʻe ma mua aʻe nei, akāʻo kēia ka hōʻailona o ka hapanui o nā polokalamu e loaʻa ana a he wahi nui ia e hoʻomaka ai i kāu noiʻi.
Peheaʻoe e kū ai i kahi polokalamu kōkua kōkua hoʻokele
ʻOiai keʻano o nā papahana o ka papahana mai ka huahana i ka huahana, ua heluʻia ma lalo nei kekahi o nā papahana maʻamau. ʻAʻole pono ka papa inoa aʻaʻole e pili kēia mau palena i kahi polokalamu kōkua kōkua'ai'ē i ka hapanui o nā hihia.
Eia nā mākau maʻamau:
E lilo i mea home home ka manawa mua. E hōʻoia a hoʻomaopopo i ka ho'ākāka o "homebuyer mua".
Noho i ka waiwai ma ko lākou hale noho mua,ʻaʻole iʻaeʻia nā hoa ukupanee
Hoʻopuka i ka hoʻonaʻauao hoʻonaʻauao home home a loaʻa kahi palapala hōʻoia ma o ka hui kūkā'ōlelo aʻo home home.
E hālāwai i ke koi o ka mea nāna i hāʻawi a me ka moraki / mālama
E hāʻule kāu kālā ma loko o nā palena kālā o ka hōʻailona.
ʻO ka home āu e kūʻai ai e pono ke hāʻule i loko o nā palena kūʻai o nā home.
ʻAʻoleʻoe i kahi hale i nā makahikiʻekolu i hala.
Ponoʻoe e noho ma ka home āu e kūʻai ai.
Eia hou,ʻaʻole paha e pili kēia mau mea i kāu polokalamu i makemakeʻia. He nui ka hapanui o lākou e noʻonoʻo a hiki i ka māʻona e hoʻolako iā lākou inā pono.
Ponoʻoe e lawe i kahi papahana hoʻonaʻauao homebuyer
He mea nui ka aʻo homebuyer i ka holomua a me ka hauʻoli o ka mea nona ka home. He kūpono loa ka loaʻaʻana o nā mea kūʻai i nā mea kūʻai hale kūʻai mua.
ʻOiaiʻaʻole ia e koiʻia no nā polokalamu kōkua kākoʻo kālā a pau,ʻaʻole loa ia e hōʻino i ka hoʻomākaukauʻana a he manawa maikaʻi loa ia e hoʻomaka i kāu hana me kahi papa hoʻonaʻauao homebuyer.
Pehea wau e lawe ai i kēia papahana aʻo?
MAKAHI: he mau helu koho hoʻonaʻauao kūpono iʻikeʻia
IN-PERSON: heʻokoʻa ka homebuyer Education ma o ke KomohanaWorks Amerika a iʻole kekahi HUD i'āponoʻia e kūkulu hale
Mahea e hiki ai iāʻoe keʻimi i kahi papa inoa o nā polokalamu kōkua kōkua hōʻai'ē
E hoʻomaka i kahi hulina kōkua kōkua kāleka e hoʻomaka me kāu keʻena noho moku'āina. Hāʻawi lākou i ka nui o nāʻike a me nā polokalamu DPA.
ʻO kou keʻena noho hale, kalana a me ke kūlanakauhale, he mea waiwai nui nō ia. He kūpono kēia no nā papahana hāʻawi'āina i hiki ke hāʻawi pinepine i ka maikaʻi loa no nā homebuyers haʻahaʻa haʻahaʻa.
Loaʻa i ka HUD kekahi mauʻike maikaʻi ma nā polokalamu kōkua kōkua pili kālā e hana nei me kahi haʻawina loea FHA.
Ua hōʻuluʻuluʻo Nehemia Foundation Foundation i kekahi o nāʻike kikowaena hōʻoiaʻo Down Payment Assistance i ka'āina e kōkua i ka hoʻohaʻahaʻa i kāu mau mea pale i ka homeownership.
ʻO kaʻikepili kahi waihona homebuyer mua a me nā polokalamu kōkua kōkua.
Akā,ʻo ka mea nāna e hāʻawi aku i ka moraki ka mea hope loa. ʻAʻole nā hāʻawi kālā a pau e hāʻawi nei i nā papahana no ka mea he mea nui ia e nānā me kāu luna kono i mea e kōkua iāʻoe i ka polokalamu kōkua kōkua lalo āu e manaʻo nei e alualu.