Na Uku Moraki Maikai Kaleponi
ProgramMortgage RateAPR*ChangeConventional 30-makahiki paʻa Kuʻuna 30-makahiki paʻa 5.276% 5.301% -0.2 30-makahiki paʻa FHA 30-makahiki paʻa FHA 5.405% 6.139% -0.13 30-makahiki paʻa VA 30-makahiki paʻa 4.885% 5.101 VA paʻa 0.16% XNUMX Hāʻawi ʻia nā kumukūʻai e kā mākou pūnaewele o nā hoa, a ʻaʻole paha e hōʻike i ka mākeke. He ʻokoʻa paha kāu uku. Kaomi maʻaneʻi no kahi ʻōlelo pilikino. E ʻike i kā mākou mau kuhi helu E ʻike i kā mākou manaʻo kuhi ma aneʻi.
ProgramType of MortgageAPR*ChangeConventional 30-makahiki paʻa Kuʻuna 30-makahiki paʻa 5,276% 5,301% -0,2 Kuʻuna 15-makahiki paʻa Kuʻuna 15-makahiki i hoʻopaʻaʻia 4,414% 4,447% -0,24 Kuʻuna 20-makahiki paʻa Kuʻuna 20% 5,138 makahiki paʻa 5,167 makahiki paʻa. -0,24 .10 Paʻa 10-makahiki maʻamau Paʻa 4-makahiki maʻamau 459% 4,521% -0,05 FHA 30-makahiki paʻa FHA 30-makahiki paʻa 5,405% 6,139% -0,13 FHA 15-makahiki paʻa FHA 15% 4,621-makahiki paʻa -5,044 Paʻa 0,27-makahiki VA Paʻa 30-makahiki VA 30% 4,885% -5,101 Paʻa 0,16-makahiki VA 15% 4,742% -5,086 Hāʻawi ʻia nā kumukūʻai e kā mākou pūnaewele hoa a ʻaʻole paha e hōʻike i ka mākeke. He ʻokoʻa paha kāu uku. Kaomi maʻaneʻi no kahi ʻōlelo pilikino. E ʻike i kā mākou mau kuhi helu E ʻike i kā mākou manaʻo kuhi ma aneʻi.
Nā ʻano o nā moraki Wells Fargo
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.
No kēia lā, Pōʻalima, Mei 30, 26, ʻo ka awelika o ka moraki 2022 makahiki i kēia manawa he 30%, ma lalo o 5,28 kumu kumu mai ka manawa like mai ka pule i hala. Inā ʻoe e ʻimi nei e hoʻihoʻi hou i kāu hōʻaiʻē o kēia manawa, ʻo ka awelika o ka ʻāina i kēia lā no 20 mau makahiki hoʻihoʻi hou ʻia he 30%, ma lalo o 5,26 kumu kumu mai ka manawa like i ka pule i hala.
No kēia lā, Pōʻalima, Mei 30, 26, ʻo ka awelika o kēia manawa no ka moraki paʻa 2022 makahiki he 30%, ma lalo o 5,28 kumu kumu mai ka lā o ka pule i hala. Inā ʻoe e ʻimi nei e hoʻihoʻi hou i kāu hōʻaiʻē o kēia manawa, ʻo ka awelika o ka ʻāina i kēia lā no 20 mau makahiki hoʻihoʻi hou ʻia he 30%, ma lalo o 5,26 kumu kumu mai ka manawa like i ka pule i hala.
He 3,5 ka uku moraki maikai?
I ka manawa o kēia kākau ʻana, i Mei 2022, ʻo 30% ka awelika o 5,25 mau makahiki paʻa, e like me ka noiʻi ʻana o Freddie Mac i kēlā me kēia pule. Pono ʻoe e laki (a me kahi mea hōʻaiʻē ikaika loa) e ʻike i kahi uku paʻa ma 30 makahiki i ka 4 haʻahaʻa i kēia manawa.
Ua haʻahaʻa nā uku moraki maʻamau no nā makahiki ʻelua i hala. Ua ʻae kēia ʻano i nā mea hōʻaiʻē kūpono loa e komo i nā kumukūʻai haʻahaʻa. Akā ua piʻi nā kumukūʻai ma 2022 a me he mea lā hiki iā lākou ke hōʻea i ka 6% ma ka hopena o ka makahiki.
He aha ka uku pānaʻi moraki maikaʻi? He nīnau paʻakikī. No ka mea, ʻo ka nui o nā uku hoʻolaha i loaʻa wale i nā mea hōʻaiʻē "makemake": ʻo ka poʻe me ka helu ʻaiʻē kiʻekiʻe, ka ʻaiʻē liʻiliʻi, a me ke kālā paʻa loa. ʻAʻole nā kānaka a pau e komo i kēlā ʻano.
I ka lā i kākau ʻia ai (Mei 20, 2022), ʻo ka awelika o Freddie Mac i kēlā me kēia pule no kahi moraki paʻa 30 makahiki he 5,25%. Akā, ʻo ka helu o kēlā me kēia lā o The Mortgage Reports rate survey he 5,484% (5,51% APR). No laila ua maopopo aia kekahi ʻano like ʻole ma ka mākeke.
ʻO kekahi me ka haʻahaʻa loa o kēlā mau APR (4,754%) e uku ma kahi o $263.640 i ka ukupanee no ke ola o ka hōʻaiʻē e like me FICO. Akā ʻo ka mea me ka helu ma ka laulā 620-639 e uku ma kahi o $371.520 i ka huina o ka uku paneʻe no ke kumu kūʻai home hoʻokahi. No laila i ka wā lōʻihi, ʻo ka mea i ʻike ʻia e like me kahi ʻokoʻa liʻiliʻi liʻiliʻi hiki ke hoʻohui i kahi mālama kālā nui.
He 4,75 ka uku panee moraki maikai?
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.
