He aha ka mea e nānā ai i loko o kahi moraki
Ua kōkua kā mākou poʻe loea iā ʻoe e hoʻokele i kāu kālā no nā makahiki he ʻehā. Hoʻoikaika mau mākou e hāʻawi i nā mea kūʻai aku i ka ʻōlelo aʻoaʻo a me nā mea hana e pono ai ke kūleʻa i ka huakaʻi kālā o ke ola.
ʻAʻole uku kā mākou mea hoʻolaha iā mākou no nā loiloi maikaʻi a i ʻole nā manaʻo. Loaʻa i kā mākou pūnaewele nā papa inoa manuahi a me ka ʻike e pili ana i nā lawelawe kālā like ʻole, mai nā moraki a i ka waihona kālā a i ka ʻinikua, akā ʻaʻole mākou e hoʻokomo i kēlā me kēia huahana ma ka mākeke. Eia kekahi, ʻoiai mākou e hoʻoikaika nei e hana i kā mākou papa inoa e like me ka hiki, e ʻoluʻolu e nānā me nā mea kūʻai aku no ka ʻike hou loa.
Inā ʻoe e ʻimi nei i kahi hōʻaiʻē ʻoi aku ma mua o $548.250, hiki i nā mea hāʻawi kālā ma kekahi mau wahi ke hāʻawi iā ʻoe i nā huaʻōlelo ʻokoʻa ma mua o nā mea i helu ʻia ma ka papa ma luna. Pono ʻoe e hōʻoia i nā kūlana me ka mea hāʻawi kālā no ka nui o ka hōʻaiʻē i noi ʻia.
ʻAʻole hoʻokomo ʻia nā ʻauhau a me nā ʻinikua mai nā ʻōlelo hōʻaiʻē: ʻAʻole nā huaʻōlelo hōʻaiʻē (nā hiʻohiʻona o APR a me nā uku) i hōʻike ʻia ma luna nei i ka nui o nā ʻauhau a i ʻole nā uku inikua. ʻOi aku ka nui o kāu uku mahina inā hoʻokomo ʻia nā ʻauhau a me nā uku inikua.
nā moraki maʻamau
E hoʻomanaʻo he ʻokoʻa nā uku no kēlā me kēia mea ʻaiʻē. No laila pono ʻoe e hoʻohālikelike ma waena o nā mea hāʻawi kālā e ʻike i ka makana maikaʻi loa. ʻO ka uku moraki maikaʻi loa mai kekahi o nā hui ma kēia papa inoa.
E hoʻomanaʻo e ʻokoʻa nā uku mai ka mea hōʻaiʻē a i ka mea hōʻaiʻē a hiki mai paha kāu uku haʻahaʻa mai kahi mea hāʻawi kālā ma kēia papa inoa. Pono nā mea hōʻaiʻē e hoʻohālikelike i nā makana mai ʻekolu a ʻelima mau mea hāʻawi kālā e ʻike i kā lākou uku moraki maikaʻi loa.
Eia nō naʻe, hiki ke lilo i nā kumukūʻai moraki i mea alakaʻi e kōkua iā ʻoe e ʻimi i nā panakō me nā uku moraki haʻahaʻa haʻahaʻa. He wahi hoʻomaka maikaʻi nā papa inoa ma lalo inā ʻoe e ʻimi nei i ka uku panee maikaʻi loa no kāu hōʻaiʻē home hou.
ʻO ka mea hāʻawi moraki ma waena o 30 mau makahiki moraki (2021)FREEDOM MORTGAGE CORPORATION2,66%BANK OF AMERICA2,80%VETERANS UNITED HOME LOANS*2,86%BETTER MORTGAGE CORPORATION2. 86%PENNYMAC2.87%AMERISAVE MORTGAGE CORPORATION2.90%NAVY FEDERAL CREDIT UNION*2.93%HOME POINT FINANCIAL CORPORATION2.94%LOANDEPOT.COM2.99%CALIBER HOME LOANS, INC.2 .99%ROCARANED ROT3.00%ROCKET3.01. INC.3.01%CITIZENS BANK3.02%CHASE BANK3.06%NEWREZ LLC3.08%PNC BANK3.08%LAKEVIEW LOAN SERVICING, LLC3.08%NEW AMERICAN FUNDING3.09%GUILD MORTGAGE COMPANY3.10%COCARMPANY3.12%COCARMPANY MOLAKI NUI, LLC3.13%MR. COOPER3.14%WELLS FARGO3.16%CROSSCOUNTRY MORTGAGE, INC.3.18%FAIRWAY INDEPENDENT MORTGAGE CORPORATION3.19%FLAGSTAR BANK, FSB3.26%VANDERBILT MORTGAGE AND FINANCE, INC.3.28%US%T3.59.
ʻO nā mea hōʻaiʻē moraki maikaʻi loa no nā mea kūʻai manawa mua
ʻElua māhele o ka uku moraki: ke kumu a me ka ukupanee. ʻO ke kumupaʻa e pili ana i ka nui o ka hōʻaiʻē. ʻO ka ukupanee he huina hou (helu ʻia ma ke ʻano he pākēneka o ke poʻo kumu) e koi ana nā mea hāʻawi kālā iā ʻoe no ka pono o ka hōʻaiʻē kālā āu e uku ai i ka manawa. I ka wā o ka moraki, uku ʻoe i nā haʻawina o kēlā me kēia mahina e pili ana i kahi papa hana amortization i hoʻokumu ʻia e kāu mea hāʻawi.
ʻAʻole like nā huahana moraki a pau. Loaʻa i kekahi mau alakaʻi koʻikoʻi ma mua o nā mea ʻē aʻe. Hiki i kekahi poʻe hāʻawi kālā ke koi i 20% o ka uku, a ʻo nā mea ʻē aʻe e koi i ka liʻiliʻi he 3% o ke kumukūʻai kūʻai o ka home. I mea e pono ai no kekahi mau ʻano hōʻaiʻē, pono ʻoe i ka hōʻaiʻē impeccable. ʻO nā poʻe ʻē aʻe e pili ana i nā mea hōʻaiʻē me ka hōʻaiʻē maikaʻi ʻole.
ʻAʻole hāʻawi ke aupuni US, akā e hōʻoiaʻiʻo ia i kekahi mau ʻano hōʻaiʻē e kū ana i nā koi koʻikoʻi o ka loaʻa kālā, nā palena hōʻaiʻē, a me nā wahi ʻāina. Aia ma lalo kahi hōʻuluʻulu o nā hōʻaiʻē moraki like ʻole.
ʻO kahi hōʻaiʻē maʻamau he hōʻaiʻē ʻaʻole i kākoʻo ʻia e ke aupuni federal. ʻO ka poʻe ʻaiʻē me ka hōʻaiʻē maikaʻi, kahi hana paʻa a me ka mōʻaukala loaʻa kālā, a me ka hiki ke waiho i kahi 3% o ka uku hoʻohaʻahaʻa, hiki ke kūpono i kahi hōʻaiʻē maʻamau i kākoʻo ʻia e Fannie Mae a i ʻole Freddie Mac, ʻelua mau hui kākoʻo aupuni e kūʻai a kūʻai aku i ka hapa nui o nā moraki maʻamau. ma ʻAmelika Hui Pū ʻIa.
Pehea e loaʻa ai ke ʻano moraki maikaʻi loa
No ka laʻana, inā koho ʻoe i kahi manawa hōʻaiʻē pōkole, ʻoi aku ka kiʻekiʻe o kāu uku, akā e uku ʻoe i ka uku liʻiliʻi i ke ola o ka hōʻaiʻē. A ʻoiaʻiʻo, inā ʻoi aku ka nui o ka uku pānaʻi, e ʻoi aku ka nui o kāu uku mahina, e like me kāu huina.
Ma muli o nā mea e like me ka helu ʻaiʻē, ka mōʻaukala hana, a me ka ratio aie-a-income, hiki i ka mea hāʻawi ke hāʻawi iā ʻoe i kahi moraki uku nui, kahi moraki subprime, a i ʻole kekahi mea ma waena, i kapa ʻia he moraki "Alt-A". Ma lalo mākou e wehewehe i kēlā me kēia o lākou:
Pono nā mea noi moraki i makemake ʻia e uku i lalo - maʻamau 10% a 20% - ʻoiai ʻo ka manaʻo inā loaʻa iā ʻoe kahi mea e pili ana ʻaʻole paha ʻoe e paʻa. No ka mea ʻoi aku ka liʻiliʻi o ka poʻe hōʻaiʻē me nā helu ʻaiʻē maikaʻi aʻe a me nā lakene ʻaiʻē, hāʻawi ʻia lākou i nā kumukūʻai haʻahaʻa haʻahaʻa, hiki ke mālama i nā ʻumi kaukani kālā i ke ola o ka hōʻaiʻē.
Kūlike nā moraki mua i nā kūlana maikaʻi i hoʻonohonoho ʻia e Fannie Mae (ka Federal National Mortgage Association) a me Freddie Mac (ka Federal Home Loan Corporation). ʻO kēia nā hui ʻelua i kākoʻo ʻia e ke aupuni e hāʻawi i kahi mākeke lua no nā moraki home ma ke kūʻai ʻana i nā hōʻaiʻē mai nā mea hāʻawi kālā.
