Hiki iā ʻoe ke kūʻai i hale me ka mālama ʻole?
ʻO ka helu ʻaiʻē a ka mea noi moraki, ka nui o ka ʻupena a me ka uku hoʻohaʻahaʻa ʻo ia nā mea koʻikoʻi e noʻonoʻo ai ka poʻe hāʻawi kālā, akā "pono ka poʻe hōʻaiʻē i kekahi ʻano o ka loaʻa kālā e loaʻa ai i ke kaʻina hana underwriting," wahi a Guy Cecala. , Luna Nui a mea hoʻopuka o Inside Mortgage Waiwai. "ʻAʻole hiki iā ʻoe ke ʻōlelo wale, 'ʻAʻohe aʻu kumu o ka loaʻa kālā a makemake wau e kūʻai i hale,' no ka mea ʻaʻohe mea hāʻawi e hāʻawi iā ʻoe i kahi hōʻaiʻē."
ʻO kahi ala e kūpono ai i ka moraki me ka ʻole o ka hana, ʻo ia ka loaʻa ʻana o kahi mea hoʻopaʻa inoa pūlima, e like me ka makua a i ʻole ka hoa kāne, ka mea i hoʻolimalima a i ʻole he waiwai nui. Hoʻopaʻa kino ka mea hoʻopaʻa inoa i kāu moraki e hoʻohui i ka palekana o kāu loaʻa kālā a me ka mōʻaukala aie i ka hōʻaiʻē. ʻO ka maʻamau, inā ʻaʻole hiki iā ʻoe ke uku i kāu moraki, e mālama kāu co-signer iā lākou.
Inā loaʻa iā ʻoe kahi huina kālā nui i kēlā me kēia mahina mai nā puʻu kālā, loaʻa kālā, a i ʻole nā mea hoʻopukapuka ʻē aʻe, hiki ke ʻae ʻia ʻoe no kahi moraki. Hoʻokahi hōʻaiʻē: ʻO nā hōʻaiʻē i ʻae ʻia e pili ana i ka loaʻa kālā hoʻopukapuka ʻoi aku ka nui o ka uku ukupanee, wahi a Todd Sheinin, he luna hōʻaiʻē ma Homespire Mortgage ma Gaithersburg, Maryland.
Pehea e kūʻai ai i hale me ke kālā ʻole
ʻO nā koho ʻē aʻe, e like me ka hōʻaiʻē FHA, ka moraki HomeReady, a me ka hōʻaiʻē 97 maʻamau, hāʻawi i nā koho uku haʻahaʻa e hoʻomaka ana ma 3% iho. Hoʻopili pinepine ʻia nā uku ʻinikua moraki me nā uku haʻahaʻa a ʻaʻole ʻole, akā ʻaʻole i nā manawa a pau.
Inā makemake ʻoe e kūʻai i hale me ke kālā ʻole, ʻelua mau lilo nui āu e pale aku ai: ʻo ka uku haʻahaʻa a me nā koina pani. Hiki paha kēia inā hiki iā ʻoe ke loaʻa kahi moraki hoʻokaʻawale ʻole a/a i kahi papahana kōkua kūʻai home.
ʻElua wale nō papahana hōʻaiʻē hōʻaiʻē nui ʻole: ka hōʻaiʻē USDA a me ka hōʻaiʻē VA. Loaʻa nā mea ʻelua i nā mea kūʻai home mua a hoʻi hou. Akā, loaʻa iā lākou nā koi kūikawā e kūpono ai.
ʻO ka nūhou maikaʻi e pili ana i ka USDA Rural Home Loan, ʻaʻole ia he "hōʻaiʻē kua'āina": hiki nō hoʻi i nā mea kūʻai aku ma nā kaiāulu kūloko. ʻO ka pahuhopu o ka USDA ke kōkua i nā "mea kūʻai hale loaʻa haʻahaʻa" ma ka hapa nui o ʻAmelika Hui Pū ʻIa, me ka ʻole o nā kūlanakauhale nui.
ʻO ka hapa nui o nā poʻe kahiko, nā lālā lawelawe hana hana, a me nā limahana lawelawe i hoʻokuʻu ʻia me ka hanohano e kūpono i ka papahana VA. Eia hou, hiki i nā mea kūʻai hale i noho ma kahi o 6 mau makahiki i ka Reserves a i ʻole National Guard, e like me nā hoa kāne o nā lālā lawelawe i pepehi ʻia ma ka laina o ka hana.
moraki waiho haahaa
Loaʻa kēia ʻano hōʻaiʻē i ka poʻe i loko o kahi kūlana kālā paʻa, ʻo ia hoʻi, pono ʻoe e uku i kāu mau aie a pau i ka uku ukupanee i kau ʻia a me nā lilo ola a loaʻa iā ʻoe kahi 10%.
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. "
Polokalamu Moraki ʻAʻohe Waihona o ke Aupuni
No nā hōʻaiʻē hale liʻiliʻi "ʻaʻohe waiho" ma laila, pono ʻoe e hoʻokō i nā koina koʻikoʻi e hiki ai ke koho, e like me ka mōʻaukala hōʻaiʻē kokoke loa a me ka mōʻaukala hana paʻa loa. ʻOi aku ka nui o ka uku paneʻe i ka hōʻaiʻē.
Eia nō naʻe, hāʻawi ka nui o nā mea hāʻawi i ka mea maikaʻi loa: nā hōʻaiʻē home me kahi waihona 5%. ʻO ka drawback nui o kēia mau hōʻaiʻē ʻo ia ka mea e koi ʻia ʻoe e uku i ka ʻinikua moraki. ʻAe, ʻo ia wale nō ka mea e pono ai ʻoe e kau i kou wāwae mua ma ke alapiʻi waiwai.
Inā kūʻai ʻoe i hale hou—a i ʻole kahi hale i hoʻoponopono hou ʻia—e uku mau ʻia ka FHOG ma ka hoʻoholo ʻana. Inā kūkulu ʻoe i hale hou, e loaʻa paha iā ʻoe ka FHOG i ka wā e uku ai ʻoe i kāu hōʻaiʻē mua, ʻo ia ka mea maʻamau ke waiho ʻia ka pā.
He mea nui e hoʻomaopopo he ʻokoʻa nā koi o kēlā me kēia mokuʻāina a me ka teritori, a hāʻawi wale kekahi mau mokuʻāina i ka FHOG i ka poʻe kūʻai hale hou. E heluhelu ma aneʻi e ʻike i nā mea i hāʻawi ʻia ma kou mokuʻāina a i ʻole teritore.
