Ua hōʻole ʻia ka palapala moraki. He aha ka mea e hiki mai ana?
Loaʻa ka hōʻole hōʻaiʻē moraki, akā ʻaʻole ia he manaʻo ʻaʻole hiki iā ʻoe ke loaʻa kahi home. Nui nā kumu i ʻae ʻole ai ka mea hāʻawi kālā i kāu hōʻaiʻē. Eia naʻe, ʻo ke kī i ka holomua ʻo ka hoʻomaopopo ʻana i ke kumu (s) a me kāu mea e hana ai e hoʻoponopono i ka pilikia.
Hiki ke hoʻoponopono: hiki ke hoʻoponopono ʻia nā pilikia pili waiwai, ʻoiai ʻaʻole maʻalahi ka hoʻoponopono. Ināʻoi aku ka kiʻekiʻe o ke kumu kūʻai ma mua o ka waiwai o ka hale ma ke kaiāulu, e ho'āʻo e hoʻoholo hou. A i ʻole, inā loaʻa iā ʻoe ke kumu kālā e hana ai pēlā, e hoʻonui i ka uku hoʻohaʻahaʻa a e ʻae i ka nui o ka hōʻaiʻē haʻahaʻa. ʻO ka mea pōʻino, ma muli o ka mākeke, ʻaʻole hiki iā ʻoe ke kūʻai a puni no nā mea hāʻawi kālā e ʻike inā hiki iā ʻoe ke loaʻa kālā hou aʻe. ʻOi aku ka liʻiliʻi o ka loaʻa ʻana o ka hale ma ka mākeke. No laila, pono ʻoe e noʻonoʻo i ke kūkākūkā hou ʻana a i ʻole e hana i kahi uku hoʻohaʻahaʻa nui.
Ma hope o kou hāʻawi ʻana i kāu ʻike kālā i kahi mea hāʻawi kālā a nānā i nā papahana hōʻaiʻē, e ʻike maopopo ʻoe i ka nui o kāu e pono ai e waiho i lalo a me ka nui āu e pono ai i ka pani ʻana. ʻAʻole hiki ke hoʻolilo ʻia kēia mau kālā i kāu hōʻaiʻē. Inā ʻaʻole hiki iā ʻoe ke loaʻa ke kālā iā ʻoe iho, aia ka manawa kūpono e hōʻole ʻia kāu hōʻaiʻē.
Ua hōʻole ʻia ka moraki ma hope o ka hāʻawi ʻana
He mea nui e hana i kekahi mau hana ma mua o ka hoʻomaka ʻana i ke kaʻina hana hōʻaiʻē moraki. ʻO ka mea nui, ʻo ʻoe e noʻonoʻo i ka nui āu e hiki ai ke uku no kahi hale. ʻAe kēia iā ʻoe e hoʻonohonoho i nā manaʻolana maoli i ka wā e ʻimi ai i kahi home a koho i kahi hōʻaiʻē moraki.
Pēlā nō, pili ka ʻauhau waiwai i ka nui o kāu uku. He haʻahaʻa paha lākou ma kekahi mau kaiāulu a i ʻole kūlanakauhale ma kou wahi. Eia kekahi, hiki ke ʻokoʻa nā uku hui condominium mai kahi hale a hale.
Ke nānā nei ʻoe i ka uku o ka mahina ma mua o ke kumu kūʻai kūʻai home kiʻekiʻe, hiki iā ʻoe ke maopopo ua hana ʻoe i kahi pūlāwai e noʻonoʻo ana i kāu mau lilo home āpau i kēia manawa, ʻaʻole wale ke kumupaʻa a me ka ukupanee.
No ka mea ʻaʻole i hōʻoia ʻia nā leka prequalification. He kuhi wale lākou no kāu kālā ma muli o kekahi mau nīnau. Akā, ua nānā ʻia kahi leka preapproval e pili ana i kāu hōʻike hōʻaiʻē, nā ʻōlelo panakō, nā palapala W2, etc. He hāʻawi maoli ia mai kahi hui moraki e hōʻaiʻē iā ʻoe, ʻaʻole he kuhi wale.
ʻO ke kālā loaʻa kahi waihona kālā i hana ʻia e hoʻopaʻa i ka hāʻawi ma ka hale a hōʻike i kou koʻikoʻi e kūʻai. Hiki ke lilo i $500 a i ʻole 5% o ke kumukūʻai kūʻai a ʻoi aku paha, ma muli o nā kuʻuna kūloko.
Ua hōʻole ʻia ka moraki ma hope o ka "ʻaelike ma ke kumu"
Ke ʻae ʻia ka hāʻawi ʻana, me he mea lā ʻaʻohe mea e hoʻōki iā ʻoe, akā aia hoʻokahi paʻa hope āu e lele ai ma mua o ka pau ʻana. Kapa ʻia ʻo ia ke kaʻina hana underwriting, a hoʻohana ʻia ia e hoʻoholo ai inā e ʻae ʻia a hōʻole ʻia paha kāu noi hōʻaiʻē-a me kou kūʻai ʻana i ka home āu e makemake ai.
Hana ʻia ke kaʻina hana underwriting ke hōʻoia ka mea hāʻawi i kāu loaʻa, waiwai, ʻaiʻē, hōʻaiʻē, a me ka waiwai. Pono kēia ʻike e hōʻoia i kou kūlana maikaʻi e lawe i nā kuleana kālā o kahi moraki a he waiwai maikaʻi ia no ka mea hāʻawi. I ka pōkole, kōkua ia i ka mea hāʻawi e loiloi i ka pilikia o ka hōʻaiʻē iā ʻoe.
Hoʻoponopono ka underwriter i kēia mau palapala e hōʻoia i kāu loaʻa a me ka paʻa o kāu hana, a me kou hiki ke uku i ka aie, mālama i nā uku moraki, a hāʻawi i nā koina pani, nā uku, a me ka hōʻaiʻē moraki.
ʻAʻole hōʻoia ʻia ka ʻae mua ʻana no ka moraki i ka hoʻoholo pani ʻana i ka wā e hiki mai ana. Hoʻokumu ʻia kēia ʻano ʻae ʻia i kekahi manawa ma luna o ka ʻike kumu āu e hāʻawi ai, a makemake paha ʻoe e ʻeli i kāu hōʻike hōʻaiʻē a i ʻole kālā e like me ka underwriting.
Pehea ka lōʻihi o ka noi ʻana no ka moraki ma hope o ka hōʻole ʻia ʻana?
ʻO ka hōʻole ʻana i kahi noi moraki hiki ke lilo i mea hoʻonāukiuki. Ke mākaukau ʻoe e kūʻai i hale akā ʻaʻole ʻae ka poʻe hāʻawi kālā, makemake ʻoe e hoʻomaopopo pono i ke kumu ʻaʻole hiki iā ʻoe ke ʻae ʻia no kahi hōʻaiʻē home. ʻO ka liʻiliʻi o kekahi o nā wehewehe ma lalo nei e wehewehe i kou kūlana ma mua o ka leka hōʻaiʻē.
I ka ʻae ʻana a i ʻole ka hōʻole ʻana i nā noi moraki, mālama ka poʻe hāʻawi kālā i nā lula i loko o nā haneli o nā ʻaoʻao manual. Ma muli o ke ʻano o ka hōʻaiʻē āu e noi ai, hiki mai kēia mau lula mai Fannie Mae, Freddie Mac, ka Department of Veterans Affairs (VA), ka Federal Housing Administration (FHA), a i ʻole ka Department of Agriculture (USDA).
Ma waho aʻe o kēia mau lula, loaʻa paha i nā mea hōʻaiʻē nā lula kūloko ʻē aʻe a lākou e hahai ai. ʻO kekahi poʻe hāʻawi kālā e hahai wale i kā lākou mau lula no ka mea hoʻolālā lākou e mālama i nā hōʻaiʻē. Akā ke kūʻai aku nei ka hapa nui o nā mea hōʻaiʻē i kā lākou moraki iā Fannie Mae a i ʻole Freddie Mac, no laila e kamaʻilio mākou e pili ana i nā kumu e aʻo ai kēlā poʻe hāʻawi kālā i ka poʻe hāʻawi kālā e hōʻole i nā noi hōʻaiʻē. A laila, e kūkākūkā mākou i nā hoʻonā i kāu pilikia hōʻole moraki.
