ʻO nā mea hoʻolimalima moraki nui loa
Hiki ke hoʻoweliweli ka mākeke waiwai, akā ʻaʻole ia he manaʻo pono kāu moraki. Me nā polokalamu hōʻaiʻē maʻalahi a me nā huaʻōlelo e kūpono i kēlā me kēia home āu e ʻimi nei, hiki iā mākou ke hana pū e ʻimi i ka hopena kūpono no kāu mau pono kūʻai home.
ʻO wai nā ARM, LEGS a me nā moraki i kūpono i kāu mau pono? ʻO mākou, ʻoiaʻiʻo. Kaulana no ke kūʻai ʻana a i ʻole ke kālā hou ʻana, hiki mai kā mākou mau koho moraki i nā ʻano ʻano like ʻole a hiki ke kūpono i kēlā me kēia ʻeka āu e ʻimi nei e neʻe ai.
ʻAʻole makaʻu ke kūʻai ʻana i kou home mua. E hele pū mākou me ʻoe i kēlā me kēia pae o ke ala. Mai ka hoʻoholo ʻana i ka nui āu e hiki ai ke loaʻa i ka papahana kūpono no kāu mau pono kūʻokoʻa, e alakaʻi kā mākou luna hōʻaiʻē iā ʻoe i kēlā me kēia ala o ke ala i kou puka mua hou.
Inā ʻōlelo ʻo ia e pono ke kūkulu ʻia ka hale, e like me ka lā ʻapōpō a i ʻole ʻoe ma waho o kou wahi, hiki iā mākou ke kōkua iā ʻoe e loaʻa ka hōʻaiʻē āu e pono ai. Loaʻa nā pōmaikaʻi o United i nā koho hōʻaiʻē maʻamau a me ka jumbo me ka uku paʻa a i ʻole ARM. Hiki iā ʻoe ke hoʻopaʻa i kāu uku pānaʻi ma mua, a e hoʻohaʻahaʻa iho no ka uku ʻoi aku ka maikaʻi ma ka pani hope.
Nā ʻano o nā moraki Bank of America
ʻAʻole like nā moraki a pau. Ma muli o ka mea hāʻawi, ʻoi aku ka nui o nā uku a ʻoi aku ka lōʻihi o nā manawa pani. Ke nānā aku nei kekahi poʻe hāʻawi kālā i kahi kaʻina hana mua a ʻae ʻia, aʻo nā mea ʻē aʻe e hāʻawi i nā uku no ka pūʻali koa a i ʻole nā mea kūʻai aku.
Ua nānā mākou i ʻehā mau ʻāpana nui: hiki i ka mea hōʻaiʻē ke loaʻa i kahi hōʻaiʻē, hiki ke loaʻa, nā koho hōʻaiʻē, a me ka wikiwiki o ke kālā. ʻO kā mākou pahuhopu e maʻalahi iā ʻoe e hoʻohālikelike i nā makana ma ka haʻi ʻana iā ʻoe e pili ana i nā mea hāʻawi kālā i ʻoi aku ka maikaʻi ma kēia mau wahi.
Ua loiloi mākou ma mua o 50 mau mea hōʻaiʻē moraki e hana ana ma ka pūnaewele a me ke kanaka ma waena o ʻAmelika Hui Pū ʻIa. ʻO nā mea hōʻaiʻē a mākou e loiloi nei e hōʻike ana i kekahi o nā mea hōʻaiʻē moraki nui loa ma ka nui, me nā panakō, nā uniona hōʻaiʻē, a me nā mea hōʻaiʻē pūnaewele. ʻAʻole ʻae ʻia nā mea hōʻaiʻē i hōʻike ʻole i kā lākou uku uku ma ka pūnaewele.
ʻO kā mākou manaʻo e pili ana i ka hiki ke loaʻa, ka hiki, a me nā hiʻohiʻona koʻikoʻi e pili ana i ke kaʻina kūʻai hale (e like me ka manawa mua o ka ʻae ʻia a me ka manawa pani) ʻo ia ka mea a mākou e manaʻoʻiʻo nei e hōʻike ana i nā mea koʻikoʻi o nā mea kūʻai aku i kēia lā ke hoʻohālikelike ʻia nā mea hōʻaiʻē moraki.
Nā ʻano o nā moraki kūʻokoʻa
Hiki iā ʻoe ke hilinaʻi i kāu kūʻai ʻana i ka home ke alakaʻi kā mākou hui o nā loea moraki iā ʻoe ma ke kaʻina hana hōʻaiʻē. Mai ka hoʻomaka a hiki i ka hopena, e loaʻa iā ʻoe nā ʻike waiwai, nā ʻōlelo kōkua, a me ka lawelawe pilikino.
ʻO ka hoʻihoʻi hou ʻana i kahi moraki e loaʻa nei hiki ke hāʻawi iā ʻoe i ka uku pānaʻi haʻahaʻa, ka uku haʻahaʻa o kēlā me kēia mahina, a i ʻole ke komo ʻana i ke kaulike ma kou home. Ma waho aʻe o kāu mau pono, hiki i kā mākou mau ʻōlelo aʻoaʻo moraki ke hāʻawi iā ʻoe i nā hopena hōʻaiʻē home e kūpono i kāu mau pahuhopu hoʻolimalima.
Hāʻawi mākou i kahi hui like ʻole o nā huahana moraki a me nā koho e like me Conforming, VA, FHA, Portfolio, Jumbo a me nā hōʻaiʻē Super Jumbo. Hiki i kekahi o kā mākou mau ʻōlelo aʻoaʻo moraki ke nānā i kāu mau koho a kōkua iā ʻoe e ʻimi i ka huahana i kūpono iā ʻoe.
Me kā mākou lawelawe maʻalahi e hoʻohana, hiki iā ʻoe ke noi no kahi moraki ma ka pūnaewele, hoʻopiha i kahi noi i loaʻa, hoʻouka i nā palapala, a i ʻole e uku i kāu moraki. Inā he mea hōʻaiʻē hou ʻoe a i ʻole he lālā i kēia manawa, loaʻa iā mākou nā koho āu e pono ai ke pono ʻoe iā lākou.
Hoʻohana mākou i ka ʻenehana agile, kahi e maʻalahi ai kā mākou mau mea hana a me nā kaʻina hana. Mai kahi noi hōʻaiʻē pūnaewele maʻalahi i kahi helu moraki manuahi, ua hoʻolālā ʻia kā mākou mau mea hana e hāʻawi i kahi ʻike kālā ʻoi aku ka maikaʻi.
Chase
E hoʻomanaʻo he ʻokoʻa nā uku no kēlā me kēia mea ʻaiʻē. No laila pono ʻoe e hoʻohālikelike i nā mea hāʻawi kālā ʻē aʻe e ʻike i kāu hana 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.
