ʻO kahi hōʻai'ē hōʻai'ēʻole e hiki iāʻoe ke hoʻi i ka home Owner
ʻO kaʻoiaʻiʻo, hiki iāʻoe ke loaʻa kahi moraki hōʻailona maikaʻi; ʻO nā mea wale nō āu e kamaʻilio nei - nā'ake a me nāʻaha kālā - mai hāʻawi aku i nā moraki hōʻino maikaʻi. Hiki iāʻoe ke nānā ma kahi hewa.
ʻO ka mea hikiʻole iāʻoe ke hoʻomaopopo,ʻo nā mea kūʻai hale kūʻai paha me ka hōʻai'ē maikaʻi ka loaʻaʻana o kahi moraki hōʻailona maikaʻi i nā manawa a pau. Akā, hāʻawi lākou i kekahi manawa ma ka ihu no ka mea. Inā hoʻopau waleʻoe i kahi kūʻai liʻiliʻi , hiki iāʻoe ke kali i 3 mau makahiki ma mua o ka noiʻana i ka moraki no ka mea e loaʻa iāʻoe ka maikaʻiʻoi aʻe ke kaliʻoe. Hōʻike nā'ōlelo Fannie Mae i ka mea kūʻai kūʻai kūʻai kūpono hiki ke koho i 4 mau makahiki no ka hōʻai'ē inā lōʻihi ka mālamaʻana o ka mea kūʻai i ka maikaʻi maikaʻi ma hope o ka kūʻai liʻiliʻi , akāʻo FHA 3 mau makahiki.
ʻOiai inā ua hoʻopiʻiʻoe i ka panana kālā, inā lōʻihiʻoe e hoʻomaʻemaʻe i kāu hōʻai'ē hōʻailona ma hope o ka weheʻana, hiki iāʻoe ke kūpono no kahi hoʻoili FHA i loko o kekahi mau makahiki. ʻAʻole kā FHA loans i ka hāpai i ka hapa nui ma lalo , akāʻo ka poʻe hāʻawi kālā e uku nei i ke kālā e makemake lākou i ka palena FICO kūpono loa .
Nā kōkua no kaʻikeʻana i kahi hōʻailona hōʻai'ē Lender
E hōʻoiaʻiʻoʻoe e nānā i ka mea hoʻoili mokulele me ka papa hana laikini o kou moku a hana wale aku i kahiʻoihana kaulana. Mai loaʻa i kahi hōʻai'ē kālā nui ma kahi wānana loan. E maʻalahi ka loaʻaʻana o ka lanakila, no laila e mālama. Eia kekahi mau'ōlelo no ka laweʻana i kahi moemoeki hōʻailona maikaʻi:
- E noʻonoʻo i ka moemailaki hōʻailona maikaʻi e like me ka hoʻoponopono pilikia. Hana i ka wā pokole. ʻAʻole kēia manaʻo he loaʻa ka manawa pōkole no ka wā pokole akā e hoʻolālā ma ka ukuʻana i ka hōʻai'ēʻaʻoleʻoi aku ma mua oʻelua mau makahiki a pēlā'ē aʻe ma mua o kou kūkuluʻana i kāu hōʻai'ē e hiki ai ke hoʻonui hou i ka ukuʻana ma kahi uku uku.
- Inā hikiʻole iāʻoe ke kālepa pili kālā maʻamau e kōkua iāʻoe, e noi i kahi mea kuhikuhi. ʻO ka hapa nui o nā loina i noho ma kaʻoihana no kekahi manawa a mālama pū lākou i nā mea paʻi ma ka māhele mākele a hiki iāʻoe ke kuhikuhi iāʻoe i kahi mea nāna e hāʻawi iāʻoe i ka moraki.
- E noʻonoʻo i kahi moraki kūpono . E kiʻekiʻe auaneʻi kāu hapa pāʻokoʻa no kahi hōʻai'ē hōʻemi i hōʻemiʻia,ʻoi aku ka nui ma mua o nā kumukūʻai āu eʻike ai ma ka pūnaewele ma ka pūnaewele pēnei i bankrate.com. E uku pahaʻoe i nā kumukūʻai kiʻekiʻe. Ma o ka loaʻaʻana o kahi moraki kūpono, hiki iāʻoe ke mālama i kāu ukupanei i hikiʻole ke hoʻohanaʻia.
- ʻAʻoleʻoe eʻae, inā hiki iāʻoe ke kōkua iā ia, i ka uku hoʻopaʻi . ʻO ka uku pānaʻi mua e hiki iāʻoe ke uku i ka 6 mau mahina o ka uku hou ināʻoe e uku i ke kālā i ka wā mua. Ma muli o ka hapa nui o kāu uku uku he pāʻani aʻaʻole he poʻokela,ʻo ia ke ukuʻana i 6 mau mahina o ka uku. E hoʻi i hope ke noi lākou.
Nā Kōmike Hoʻolālā e Loaʻa i kahi Mortgage Maʻemaʻe
E hana me kekahi mea nāna i hoʻolimalima i ka moraki no ke kūʻaiʻana no ka hōʻai'ē maikaʻi loa me ka loaʻaʻole o kahi kuleana moraki maikaʻi. ʻO ka koho muaʻana,ʻo ia ke hana i ka hoʻomaikaʻiʻana i kāu hōʻai'ē. Hiki ke hōʻai'ē i ka hōʻai'ē maikaʻiʻole i kēlā me kēia wahi mai nā pule hebedoma a hiki i ka makahiki, akā e hiki ke hoʻoholo i nā hihia he nui i loko o kekahi mau mahina. ʻO ka mea nui e hoʻomanaʻo, hiki iāʻoe ke hana inā makemakeʻoe e hana. Ma lalo iho nei kekahi mau koho hoʻolimalima hana hou inā loaʻa iāʻoe ka hōʻai'ē maikaʻi.
- E kiʻi i kahi kope kope o kāu hōʻike hōʻike kālā . E ho'āʻo iā ia. Ināʻikeʻoe i kahi kuhi, e kākau i nā bureaus credit and ask for correction.
- E noi aku i kāu mea hoʻolimalima mokulele e pili ana i ka hoʻounaʻana iāʻoe no ka wikiwiki wikiwiki. Hiki iāʻoe ke kālepa pili kālā ke kōkua iāʻoe e hoʻoponopono i kou hōʻai'ē a iʻole e waiho iāʻoe i kahiʻoihana hana hōʻailona kaulana. A laila, e hoʻonui loa i ka helu houʻana i kāu hōʻailona molaki i kāu FICO i loko o kahi manawa pōkole. ʻO ka Rapid Rescore he mea hana hūnā i ka mea moraki.
- E noʻonoʻo i kahi mea kau inoa. ʻO kahi laʻana, nā alakaʻi FHA eʻae ai i kahi mea e kau inoa ma kāu noi. Malia paha hiki i kou mau mākua aiʻole kekahi hoahānau'ē aku ke kau inoa iāʻoe, a hiki iāʻoe ke hōʻole i kahi moraki hōʻailona maikaʻi.
I ka manawa e kākau ai,ʻo Elizabeth Weintraub, CalBRE # 00697006, he mea kūʻai aku ma ka Lyon Real Estate ma Sacramento, Kaleponi.