ʻO nā hōʻaiʻē wikiwiki me ka ʻole o ka waihona panakō pūnaewele
Hiki ke hoʻokaʻawale ʻia ke kaʻina hana mua o ka moraki i mau ʻanuʻu. Hiki ke kapa ʻia ʻo ia ka moraki pre-qualification a i ʻole ka moraki pre-authorization. Loaʻa i nā mea hāʻawi kālā ʻokoʻa nā wehewehe a me nā pae hoʻohālike no kēlā me kēia pae a lākou e hāʻawi ai.
I loko o kēia kaʻina hana, nānā ka mea hāʻawi kālā i kāu kālā e ʻike i ka nui o ka nui e hiki iā lākou ke hāʻawi iā ʻoe a me ka uku ukupanee. Nīnau lākou i ka ʻike pilikino, nā palapala like ʻole, a e holo paha lākou i kahi hōʻaiʻē.
He mea nui e ʻoluʻolu ʻoe me ka mea hāʻawi a me nā koho moraki a lākou e hāʻawi ai iā ʻoe, mai ka hoʻomaka. Inā hoʻololi ʻoe i nā mea hāʻawi kālā ma hope o ke kau inoa ʻana i ka ʻaelike moraki, pono paha ʻoe e uku i ka hoʻopaʻi uku mua. E hoʻomaopopo pono ʻoe i nā ʻōlelo a me nā kūlana o kāu ʻaelike moraki.
Hāʻawi pololei kekahi mau mea hōʻaiʻē i kā lākou huahana i nā mea hōʻaiʻē, ʻoiai e loaʻa ana kekahi mau huahana moraki ma o nā brokers wale nō. No ka loaʻa ʻana o nā brokers i nā mea hāʻawi kālā he nui, hiki iā lākou ke hāʻawi i kahi ākea ākea o nā huahana moraki e koho ai.
ʻAʻole hiki i nā mea hoʻolimalima moraki ke komo i nā mea hāʻawi like. 'O ia ho'i, 'oko'a nā moraki i loa'a mai kekahi 'elele a 'ākena. I ka hana ʻana me kahi mea hoʻolimalima moraki, e nīnau i nā mea hāʻawi kālā a lākou e hana pū ai.
Ma hea e hiki ai iaʻu ke loaʻa i kahi hōʻaiʻē me ka ʻole o kahi waihona panakō?
Ua ʻike paha ʻoe he ʻokoʻa ma waena o kāu mea hāʻawi a me kāu luna? ʻO ka mea hāʻawi kālā ʻo ia ka hui āu e hāʻawi kālā ai, ʻo ka mea maʻamau i kahi panakō, hui ʻaiʻē, a i ʻole hui moraki. Ke loaʻa iā ʻoe kahi hōʻaiʻē home, kau inoa ʻoe i kahi ʻaelike a ʻae e uku i ka mea hāʻawi.
ʻO ka luna hoʻomalu ka hui nāna e mālama i ka mālama ʻana i kēlā me kēia lā o kāu moʻokāki. I kekahi manawa ʻo ka mea hāʻawi kālā hoʻi ka mea lawelawe. Akā pinepine, hoʻonohonoho ka mea hāʻawi i kahi hui ʻē aʻe e hana ma ke ʻano he luna. He mea nui e ʻike i kāu mea lawelawe moraki no ka mea ʻo ia ka hui
ʻO ka maʻamau, pono ka luna hoʻoponopono e hōʻaiʻē i kāu moʻokāki i ka lā āu e loaʻa ai. Ma ia ala, ʻaʻole pono ʻoe e uku i nā uku hou aku, a ʻaʻole e hōʻike lohi ka uku i ka mea hāʻawi. Hōʻike ʻia nā uku hope ma kāu hōʻike hōʻaiʻē a hiki ke hoʻopilikia i kou hiki ke loaʻa ka hōʻaiʻē i ka wā e hiki mai ana. ʻO ka nui o nā uku lohi hiki ke alakaʻi i ka paʻamau a me ka paʻa.
E nānā i nā leka a pau, nā leka uila, a me nā ʻōlelo ke loaʻa iā ʻoe mai kāu mea lawelawe moraki. E hōʻoia i kāu mau moʻolelo e like me kāu. Pono ka hapa nui o nā luna hoʻomalu (koe ka mea liʻiliʻi loa) e hāʻawi iā ʻoe i kahi puke coupon (pinepine i kēlā me kēia makahiki) a i ʻole he ʻōlelo i kēlā me kēia pōʻai kālā (pinepine i kēlā me kēia mahina). Pono nā mea lawelawe e hoʻouna i nā ʻōlelo maʻamau i nā mea hōʻaiʻē āpau me nā moraki hiki ke hoʻololi ʻia, ʻoiai inā koho lākou e hoʻouna iā lākou i nā puke coupon.
E hoʻokaʻawale i ka waihona kālā no ka moraki
Inā he mea kūʻai aku ʻoe i kēia manawa me kahi moraki mua o ka US Bank a i ʻole ka pūʻolo moraki pilikino US Bank, hiki iā ʻoe ke ʻae i kahi hōʻaiʻē o ka mea kūʻai aku i nā koina pani o kāu moraki e hiki mai ana.1 E lawe i 0.25% o ka nui o kou home mua e hiki mai ana. hōʻaiʻē a unuhi ʻia mai nā koina pani, a hiki i ka palena kiʻekiʻe o $1,000.2
Hiki iā ʻoe ke hoʻololi i kāu leka uila a me kāu koho kelepona kelepona ma ke komo ʻana i loko o ka Pūnaewele Pūnaewele a koho i kaʻu Profile. A laila, koho Hoʻoponopono ma kahi o kāu helu kelepona a i ʻole leka uila a koho i kāu makemake.
ʻO ka uku ʻakomi kahi ala kūpono e hana ai i kāu uku moraki i kēlā me kēia mahina. Ke hoʻonohonoho ʻia, e unuhi ʻokoʻa ʻia kāu mau uku i kēlā me kēia mahina mai kāu hōkeo a i ʻole waihona mālama kālā i ka lā āu e koho ai. Hiki iā mākou ke kōkua iā ʻoe e hoʻokele i nā uku ʻakomi, inā ʻoe e hoʻonohonoho a hoʻololi paha i ka ʻike i loaʻa. Penei e hana ai:
E hoʻohana i kāu moʻokāki a me ka helu alahele no kēia kaʻina hana. Ke hoʻokomo ʻoe i kāu helu hōʻaiʻē a mālama kālā paha no ka uku, e mālama ʻia ia i ka pūnaewele. ʻAʻole hiki iā ʻoe ke hoʻopaʻa inoa a hoʻololi paha i ka uku ʻakomi inā ua hala ka moʻokāki. ʻAʻole loaʻa kēia ʻike inā ua hala ka moʻokāki.
Pehea e loaʻa ai kahi hōʻaiʻē ppp me ka ʻole o kahi waihona waihona
Hiki iā ʻoe ke nānā i ka mea nona kāu moraki ma ka pūnaewele, e kelepona i kāu mea lawelawe, a i ʻole e hoʻouna i kahi palapala noi i kāu mea lawelawe e ʻike ai i ka mea nona kāu moraki. Pono ka mea lawelawe e hāʻawi iā ʻoe, i ka maikaʻi o kou ʻike, ka inoa, ka helu wahi, a me ka helu kelepona o ka mea nona kāu hōʻaiʻē.
ʻAʻole maʻalahi ka ʻike i ka mea nona kāu moraki. Nui nā hōʻaiʻē moraki i kūʻai ʻia a ʻaʻole paha iā ʻoe ka mea lawelawe āu e uku ai i kēlā me kēia mahina i kāu moraki. I kēlā me kēia manawa e hoʻoili ka mea nona kāu hōʻaiʻē i ka moraki i kahi mea hou, pono ka mea hou e hoʻouna iā ʻoe i kahi leka hoʻomaopopo. Inā ʻaʻole ʻoe ʻike i ka mea nona kāu moraki, aia nā ala like ʻole e ʻike ai. E kelepona i kāu mea lawelawe moraki Hiki iā ʻoe ke loaʻa ka helu o kāu mea lawelawe moraki ma kāu ʻōlelo moraki a i ʻole puke coupon. Huli Online Aia kekahi mau mea paahana pūnaewele e hiki ai ke huli i ka mea nona ka moraki.o FannieMae Lookup Toolo Freddie Mac Lookup ToolOe hiki ke nana aku i kou mea lawelawe moraki ma ka punaewele Mortgage Electronic Registration System (MERS). kākau ʻO kahi koho ʻē aʻe e waiho i kahi noi ma ke kākau ʻana i kāu mea lawelawe moraki. Pono ka mea lawelawe e hāʻawi iā ʻoe, i ka maikaʻi o kona ʻike, ka inoa, ka helu wahi, a me ka helu kelepona o ka mea nona kāu hōʻaiʻē. Hiki iā ʻoe ke waiho i kahi noi kākau kūpono a i ʻole noi no ka ʻike. Eia kahi laʻana leka e kōkua iā ʻoe e kākau i kāu mea lawelawe moraki e noi i ka ʻike.
