ʻAiʻē FHA
Loaʻa kēia ʻano hōʻaiʻē i ka poʻe i loko o kahi kūlana kālā paʻa, ʻo ia hoʻi, pono e hiki iā lākou ke hoʻokō i kā lākou mau aie a pau i ka uku pānaʻi i kau ʻia a me nā lilo ola a loaʻa iā 10% mālama.
ʻOiai e hōʻoiaʻiʻo ana kēia i kekahi poʻe hāʻawi kālā he maikaʻi ʻoe me kāu kālā, aia kekahi poʻe e noʻonoʻo no ke aha i piʻi ʻole ai kāu waihona a i ʻole ke kumu i waiho ʻia ai kahi huina nui i kāu moʻokāki.
»…Ua hiki iā ia ke loaʻa iā mākou me ka wikiwiki a me ka haʻahaʻa haʻahaʻa loa i kahi hōʻaiʻē ma ka uku ukupanee maikaʻi ke haʻi mai kekahi iā mākou he paʻakikī loa ia. Pīhoihoi loa i kā lākou lawelawe a makemake nui i nā loea mortgage i ka wā e hiki mai ana "
“… ua maʻalahi lākou i ke kaʻina noi a me ka hoʻoponopono ʻana a me ke kaumaha ʻole. Hāʻawi lākou i ka ʻike maopopo loa a pane koke lākou i nā nīnau. Ua maopopo loa lākou ma nā ʻano āpau o ke kaʻina hana. "
Uku mua
No ka nui o nā mea kūʻai hale, ʻo ka mālama ʻana no ka uku hoʻohaʻahaʻa hiki ke ʻano he pilikia nui, ʻoi aku hoʻi me nā kumukūʻai home skyrocketing. Akā aia nā koho moraki i hoʻolālā kūikawā ʻia no ka poʻe hiki ʻole ke mālama i ka uku maʻamau 20% i ka nui o ka hōʻaiʻē, a ʻaʻole makemake e kali e hana pēlā.
ʻO ke ala nui e loaʻa ai kahi moraki me ka uku ʻole ʻia me kahi hōʻaiʻē kākoʻo aupuni. Hoʻopaʻa ʻia kēia mau hōʻaiʻē e ke aupuni pekelala, ʻo ia hoʻi ʻaʻole pono ka mea nāna e hāʻawi i nā pilikia āpau inā loaʻa kahi paʻa e alakaʻi i ka paʻa. Hoʻoikaika kēia i ka mea hāʻawi e hāʻawi iā ʻoe i nā ʻōlelo hōʻaiʻē maikaʻi. Nui nā koho nui no ka moraki uku ʻole i kākoʻo ʻia e ke aupuni.
Loaʻa ka haʻahaʻa a i ʻole ʻole nā koina o nā hōʻaiʻē VA, a ʻoi aku ka haʻahaʻa o ka uku panee ma mua o nā huahana moraki maʻamau. ʻOi aku ka maʻalahi o kēia mau hōʻaiʻē, e ʻae ana i ka ratio kiʻekiʻe o ka ʻaiʻē a me ka loaʻa kālā (DTI) a me nā helu ʻaiʻē haʻahaʻa, a ʻaʻole koi i ka ʻinikua moraki pilikino (PMI).
ʻAʻole koi ʻia nā hōʻaiʻē VA i nā uku hoʻohaʻahaʻa inā lōʻihi ke kumukūʻai kūʻai aku a i ʻole ka liʻiliʻi ma mua o ka waiwai i koho ʻia o ka home. ʻO ka "VA Home Loan Guaranty" kahi hoʻonohonoho e hoʻihoʻi hou ai ka VA i ka mea hāʻawi i ka wā i loaʻa kahi poho, ma kahi o ka uku mua.
Polokalamu Moraki ʻAʻohe Waihona o ke Aupuni
Ma kēia ʻatikala, e nānā mākou i kekahi o nā koho i loaʻa iā ʻoe ke makemake ʻoe e kūʻai i hale me ka ʻole o ka uku. E hōʻike pū mākou iā ʻoe i kekahi mau koho hōʻaiʻē haʻahaʻa haʻahaʻa, a me ka mea hiki iā ʻoe ke hana inā loaʻa kāu helu ʻaiʻē haʻahaʻa.
E like me ka hōʻike ʻana o ka inoa, ʻo kahi moraki uku ʻole he hōʻaiʻē home hiki iā ʻoe ke loaʻa me ka uku ʻole. ʻO ka uku mua ka uku mua i hana ʻia ma ka home a pono e hana ʻia i ka manawa o ka pau ʻana o ka hōʻaiʻē moraki. E helu pinepine nā mea hōʻaiʻē i ka uku hoʻohaʻahaʻa ma ke ʻano he pākēneka o ka nui o ka hōʻaiʻē.
No ka laʻana, inā kūʻai ʻoe i hale no $200.000 a loaʻa iā ʻoe he 20% uku, hāʻawi ʻoe i $40.000 i ka pau ʻana. Pono nā mea hōʻaiʻē i ka uku hoʻohaʻahaʻa no ka mea, e like me ke kumumanaʻo, ʻoi aku kou makemake e hoʻopaʻa i kahi hōʻaiʻē inā loaʻa iā ʻoe kahi hoʻopukapuka mua ma kou home. ʻO ka uku hoʻohaʻahaʻa he mea paʻakikī nui ia no nā mea kūʻai hale he nui, no ka mea hiki ke lawe i nā makahiki e mālama ai i kahi kālā.
ʻO ke ala wale nō e loaʻa ai kahi moraki ma o nā mea hoʻopukapuka moraki nui me ka uku ʻole ʻia ma ke noi ʻana i kahi hōʻaiʻē kākoʻo aupuni. Hoʻopaʻa ʻia nā hōʻaiʻē kākoʻo aupuni e ke aupuni federal. I nā huaʻōlelo ʻē aʻe, kōkua ke aupuni (me kāu mea hāʻawi kālā) i ka hoʻopaʻa ʻana i ka bila inā ʻaʻole ʻoe i kau i kāu moraki.
Na hale me ka uku ole
Inā ʻoe e noʻonoʻo nei e kūʻai i hale, ʻo ka noi ʻana i kahi moraki e like paha me kahi hana paʻakikī. Pono ʻoe e hāʻawi i ka ʻike he nui a hoʻopiha i nā palapala he nui, akā ʻo ka mākaukau ʻana e kōkua i ke kaʻina hana e like me ka hiki.
ʻO ka nānā ʻana i ka affordability kahi hana kikoʻī loa. E noʻonoʻo ka poʻe hāʻawi kālā i kāu mau pili hale maʻamau a me nā lilo, a me nā ʻaiʻē e like me nā hōʻaiʻē a me nā kāleka hōʻaiʻē, i mea e maopopo ai ua lawa kāu koena e uhi ai i kāu uku moraki i kēlā me kēia mahina.
Eia hou, e hana lākou i kahi hōʻaiʻē me kahi ʻoihana hōʻaiʻē i ka wā i waiho ai ʻoe i kahi palapala noi e nānā i kāu mōʻaukala kālā a loiloi i ka pilikia e pili ana i ka hāʻawi ʻana iā ʻoe.
Ma mua o kou noi ʻana i moraki, e kelepona i nā keʻena kuhikuhi ʻaiʻē nui ʻekolu a nānā i kāu hōʻike hōʻaiʻē. E hōʻoia ʻaʻohe ʻike hewa e pili ana iā ʻoe. Hiki iā ʻoe ke hana i kēia ma ka pūnaewele, ma o kahi lawelawe kau inoa uku a i ʻole kekahi o nā lawelawe pūnaewele manuahi i loaʻa i kēia manawa.
Hoʻolimalima kekahi mau ʻelele i ka uku no ka ʻōlelo aʻo, loaʻa ke komisina mai ka mea hāʻawi aku, a i ʻole ka hui pū ʻana o nā mea ʻelua. Na lākou e hōʻike iā ʻoe i kā lākou uku a me ke ʻano o ka lawelawe a lākou e hāʻawi ai iā ʻoe i kāu hālāwai mua. ʻAʻole uku maʻamau nā ʻōlelo aʻoaʻo hale ma nā panakō a me nā hui moraki no kā lākou ʻōlelo aʻo.
