ʻO ka 5 Big Shopping Home
ʻAʻole ia he maʻalahi maʻalahi e kūʻai aku i kahi home, me ka nānāʻole i ka'ōlelo a kāu mau hoaaloha. He nui nā mea kūʻai hale e hālāwai me nā pilikia, aʻaʻole he meaʻokoʻa ka holoʻana i nā manu lele a me nā kilokiloʻino ma kēlā alanui pōhakuʻulaʻula mele i ka home. ʻO ka hana mua i ka kūʻaiʻana i ka home e hoʻomākaukau i nā mea e pale ai.
Hiki iāʻoe keʻike i ka home kūpono , e hoʻolālā i ka nui o ka uku a me ke kūkāʻana i ka hāʻawiʻana iāʻoe.
Eia hou, hiki i kahi luna ke alakaʻi iāʻoe i nā ala a pau o ke ala ma waena o ka hana kūʻai kūʻai home . Akā,ʻaʻole ia pēlāʻaʻoleʻoe e hālāwai me nā mea hina a me nā mea paʻi.
ʻIke 1: Loaʻa i kahi Kuhi Kuhi
Ināʻoleʻoe he waiwai nui aʻole lanakila wale paha i ka luʻi, ponoʻoe e loaʻa kahi moraki . ʻO nā pānaʻi VA āpau , i loaʻa i nā koa kahiko, e hoʻokuʻu ka mea kūʻai i ka zero. ʻO ka hapa nui o nā loina, koe wale nō kekahiʻano o nā hōʻai'ē kōkua kūikawā i hāʻawiʻia i kekahi mauʻoihana, koi i ka ukuʻana. ʻO nāʻano moraki iʻoi aku i kaulana loa ,ʻo ia nā FHA loans a me nā loans kahiko,ʻo ia ka mea e pono ai ka ukuʻana i nā uku mai ka 3 pakeneka a 15% o ke kumukuai kūʻai.
ʻIke 2: Loaʻa i kahi Kiʻi FICO nui
ʻO nā helu heluʻelua he 620 no FHA a me 720 no nā loans kūikawā me ka hoʻoili moraki. Ināʻae kāu helu FICO i lalo o kēlā helu, hikiʻole iāʻoe ke kūpono no kēlā mau moraki. No nā loans kūikawā me ka hoʻolimalimaʻole i ka moemoeka, hiki i kāu FICO ke emi i ka emi he 620, akā, heʻino ka pāʻani.
No kaʻikeʻana i kāuʻike FICO, ponoʻoe e noi i kāu mea hāʻawi aku e holo i kāu hōʻike kālā. Hiki iāʻoe ke loaʻa i kahi mākelina FICO ma ka pūnaewele, akā e uku ana iāʻoe, a he mea likeʻole paha ia i ka helu a kāu mea e hāʻawi nei. Na kāu mea e hāʻawi nei e huki i kāu mau helu'ai'ē mai 3 pūnaewele hōʻike hōʻai'ē a lawe i ka helu waena FICO.
ʻIke 3: Hōʻuluʻulu Kū'ē Lender
Hoʻolālā ka hapanui o nā poʻe loiloi i ka mea kūʻai aku e loaʻa ka maximum 33 ōna pakeneka mua. ʻO kēia keʻano o kāu uku moraki, me nāʻauhau a me ka hoʻokele (PITI), hikiʻole ke piʻi aku ma mua o 33 pakeneka o kāu kālā loaʻa kālā. Inā loaʻa iāʻoe he $ 5,000 o ka mahina,ʻo ka uku PITI nui āu e hiki ai ke loaʻa he $ 1,650.
ʻO ka lālā hope loa ka meaʻoi. Māhele kēia me ka hōʻuluʻuluʻana i kāu uku PITI me nā uku kuʻi'ai'ē a pau. ʻO kēlā hapa o kāu kālā nui o kēlā me kēia mahina e hāʻule ma waena o 41 hapa a me 50 pakeneka, ma muli o keʻano o ka loina a me ka mea hāʻawi. Me ka'ake moraki,ʻaʻole hiki ke piʻi aku ka lākiō hope loa loa ma mua o 41 pakeneka,ʻo ia hoʻi ka hiki iāʻoe ke hoʻolālā i ka hopena hope loa,ʻoi akuʻoe he 20%.
ʻIke 4: Loaʻa i kahi Hōʻoia ma ka Kānāwai
Ua lilo ka Loina Kaulākiō o ka Home , HVCC, iʻoi aku ma ka lā 1 o Mei, 2009, a pili i nā hana maʻamau. Mai ka lā Ianuali 1, 2010, ua pili kēia i nā pili FHA. He hopena maikaʻi loa ia e pili ana i ka'ōhumu a me nā mea hōʻeha.
I ka wā ma mua, hiki i kahi mea nāna e hāʻawi aku ke koho i kāna mea hoʻopuka helu pono'ī. Uaʻikeʻia kēlā papa helu'ōlelo'ōlelo, iʻike i ka kaiaulu a ua hauʻoliʻo ia i nā hale he nui i nā wahi kiko'ī, i ka mea e loaʻa ai i kahi hoʻolālā kūpono.
I kēia manawa, hoʻokaʻawale nā luna hoʻokele hoʻolālā i ka mea hoʻopuka helu i kaʻikeʻoleʻana mai kahi wai o nā mea hoʻokele. Hiki ke kiʻi mai kāu mea hoʻopuka helu mai kahi'ē aʻe aʻaʻole iʻikeʻole i ka neighborhood, aʻo ka hopena e loaʻa ai i kahi haʻahaʻa haʻahaʻa .
Ināʻaʻole i komo ka uku i ke kumukūʻai, a inā hōʻole ka mea kūʻai e hoʻololi i ke kumukūʻai, hiki i nā mea kūʻai a me ka'āpana koho ke hele aku mai kahi kūkā aiʻole e uku i ke koena ma ke kālā.
ʻIke 5: Nā Kūlana Loan Loaʻa
Hiki ke hoʻoweliweli i ka palapala hōʻailona. ʻImiʻia e kahi mea kākau i ke faila a hiki iā ia ke koi. Mai hōʻeha, e hoʻopakele wale i nā palapala. Kākau lākou i nā rula. Hiki i kēia mau koi ke komo i nā palapala hou, he hōʻuluʻulu o ka loiloi, aʻo ia hoʻi, hiki i ka mea kākau ke hōʻole i ka hōʻai'ē no nā kumu likeʻole.
Inā ua mareʻoe, no ka laʻana, aʻo kāu kāne ma mua i loaʻa ka hale i hele ai i ka wā i hanaʻia aiʻole kahi kūʻai liʻiliʻi , inā i hoʻomauʻia kou inoa i ka moraki, hiki iāʻoe ke'āhewaʻia mai ke kūʻaiʻana i kahi home me kāu wahine hou.
ʻO ke ala e hoʻonui ai i ke kūpono o kaʻaeʻana i ka'āponoʻana,ʻo ia ka hōʻikeʻana i nā mea a pau e pili ana iāʻoe iho a me kāu kālā i kāu mea kūʻai, a me ka hōʻoia o ka luna kālā i ka wā eʻike ai i nā pilikia o ka wā e hiki mai ana.
I ka manawa e kākau ai,ʻo Elizabeth Weintraub, CalBRE # 00697006, he mea kūʻai aku ma ka Lyon Real Estate ma Sacramento, Kaleponi.