Pehea e ʻike ai inā loaʻa kahi moraki ma kou inoa
Ma ke ʻano he mea hale, he nui nā kumu e pono ai ʻoe e ʻike i ka mea nona, cosigns, a lawelawe paha i kāu hōʻaiʻē moraki. ʻAʻole maʻalahi ka ʻimi ʻana i ka mea nona kāu moraki. I ke ola o kāu moraki, ua kūʻai nui ʻia paha kāu hōʻaiʻē, a ʻo ka hui āu e hoʻouna nei i kāu uku moraki i kēlā me kēia mahina ʻaʻole pono ia.
I ka ʻike ʻana i ka mea nona kāu moraki, pono e hoʻomaopopo i ka ʻokoʻa ma waena o kahi mea lawelawe moraki, kahi konohiki, a me kahi mea hōʻoia. ʻOiai he koʻikoʻi ko lākou a pau i ke kaʻina moraki, aia kēlā me kēia i kāna mau hana ponoʻī.
ʻO ka mea lawelawe moraki he hui e hoʻoponopono a mālama i nā hana o ka hōʻaiʻē. ʻOiai i kekahi mau hihia, ʻo ka mea lawelawe moraki ka hui like nona ka moraki, ʻaʻole kēia ka hihia. Hana nā mea lawelawe moraki i nā hana moraki e like me:
ʻO nā mea hōʻoia moraki he mau hui e like me ka Federal Housing Administration (FHA), ka United States Department of Agriculture (USDA), a i ʻole ka Department of Veterans Affairs (VA). ʻIke pū ʻia ʻo ia he mau mea hōʻoia moraki, hōʻoia kēia mau hui i nā mea nona ka moraki e hōʻiliʻili lākou i ka wā e hōʻole ʻole ka mea hōʻaiʻē i kā lākou hōʻaiʻē. ʻAʻole hiki i nā mea hōʻoia ke koi i nā waiwai i loaʻa e ka poʻe ʻaiʻē.
Owai ka mea paa moraki
Aia kekahi poʻe kūʻai hale i kahi pīhoihoi nui ma hope o ka pani ʻana. Ua ʻike lākou ua kūʻai ʻia kā lākou moraki. He mea weliweli paha kēia. Akā, he mea maʻamau. A ʻaʻole ia e pili i ka uku panee, nā huaʻōlelo, a i ʻole ka nui o ka aie. Eia nō naʻe, he mea maʻamau ke noʻonoʻo: He aha ka hopena ke kūʻai ʻia kaʻu moraki?
ʻO ka ʻike ʻana i ke kumu a me ke ʻano o kēia hiki ke hōʻoluʻolu i kou hopohopo. ʻOiai paʻakikī kekahi o nā kikoʻī, maʻalahi nā mea nui. ʻAʻole pili kēia iā ʻoe i ke kālā. Pono ʻoe e hana i kāu uku mahina i kahi ʻoihana ʻē aʻe.
ʻO ka mea nāna i kōkua iā ʻoe e noi no ka hōʻaiʻē. Ua hoʻouna kēia kanaka i kāu palapala noi i ka ʻoihana underwriting o ka mea hāʻawi. ʻO ka mea hāʻawi kālā (ʻike pū ʻia ʻo ka mea nona) ʻo ia ka hui e ʻae, kālā, a nona ka hōʻaiʻē. ʻO ka luna hoʻoponopono ka hui nāna e mālama i ka hōʻaiʻē.
ʻOhi a hana ʻo “The servicer” i ka uku o ka mea ʻaiʻē. E mālama ia i nā kamaʻilio me ka mea ʻaiʻē. E uku ʻoe i nā ʻauhau a me nā ʻinikua mai nā escrows. A e helu ana ia i ka nui o ka uku mahina,” wahi a ka loio Elizabeth A. Whitman.
He aha kāu e hana ai inā kūʻai ʻia kāu moraki i kahi hui ʻino?
He lawelawe hoʻohālikelike kūʻokoʻa mākou, kākoʻo hoʻolaha. ʻO kā mākou pahuhopu e kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me nā pahuhopu, a e ʻae iā ʻoe e noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
ʻO nā hāʻawi i hōʻike ʻia ma kēia pūnaewele mai nā hui e uku mai iā mākou. Hiki i kēia uku ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele, me ka laʻana, ke ʻano o ke ʻano e ʻike ʻia ai i loko o nā papa inoa. Akā ʻaʻole pili kēia uku i ka ʻike a mākou e paʻi ai, a me nā loiloi āu e ʻike ai ma kēia pūnaewele. ʻAʻole mākou e hoʻokomo i ka honua o nā hui a i ʻole nā haʻawina kālā i loaʻa iā ʻoe.
He lawelawe hoʻohālikelike kūʻokoʻa mākou i kākoʻo ʻia e hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a hiki iā ʻoe ke alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
ʻimi loan Fannie mae
ʻO ka hoʻoili moraki kahi hana i hāʻawi ʻia e ka mea hōʻaiʻē a mea hāʻawi aku i kahi moraki e kū nei (he hōʻaiʻē e kūʻai ai i ka waiwai - maʻamau ka noho ʻana - me ka hoʻohana ʻana i ka waiwai ma ke ʻano he koʻa) mai ka mea nona kēia manawa i kekahi kanaka a i ʻole hui. ʻO ka poʻe nona ka hale ʻaʻole hiki ke mālama i kā lākou uku moraki hiki ke noi no kahi hoʻololi e pale aku i ka paʻa ʻole a me ka paʻa.
Makemake paha ka mea kūʻai aku e lawe i ka moraki kahiko no ka mea hiki i ia hoʻololi ke ʻae iā lākou e hoʻohana pono i nā uku panee mua, ʻoi aku ka haʻahaʻa ma mua o nā kumukūʻai mākeke o kēia manawa. ʻO ka hoʻoili moraki, inā hoʻokō pono ʻia me ka ʻole o nā pilikia a i ʻole nā ʻōlelo, ʻaʻole ia e hoʻololi i nā ʻōlelo a i ʻole ka lōʻihi o ka hōʻaiʻē, e waiho wale ana i ke koena koena. Ma ka hoʻoili ʻana i ka moraki, hiki i ka mea kūʻai aku ke pale aku i ka uku ʻana i nā koina pani e pili ana i ke kūʻai ʻana i home me kahi moraki hou.
ʻAʻole hiki ke hoʻoili ʻia nā moraki a pau. Inā lākou, ua ʻōlelo ʻia ka moraki he "assumable." No ka hoʻoili ʻana i kahi moraki, pono e hōʻoia ka mea nāna e hāʻawi i ka moraki i ke kanaka a i ʻole ka hui e manaʻo nei ua lawa ka loaʻa kālā a me ka mōʻaukala hōʻaiʻē e hiki ai ke uku i ka manawa kūpono.
