hōʻaiʻē home usda
ʻO ka Section 502 Secured Loan Program e kōkua i nā mea hāʻawi kālā i ʻāpono ʻia e hāʻawi i nā ʻohana haʻahaʻa a me nā ʻohana haʻahaʻa me ka manawa kūpono e loaʻa i nā hale kūpono, haʻahaʻa, kūpono, palekana, a me ka maʻemaʻe e like me ko lākou hale noho mua ma nā wahi kuaʻāina kūpono. Hiki i nā mea noi kūpono ke kūʻai, kūkulu, hoʻoponopono, hoʻomaikaʻi, a hoʻoneʻe paha i kahi home ma kahi kua'āina kūpono me 100% kālā. Hāʻawi ka papahana i kahi hōʻoia hōʻaiʻē 90% i nā mea hōʻaiʻē i ʻae ʻia i mea e hōʻemi ai i ka pilikia o ka hoʻonui ʻana i nā hōʻaiʻē 100% i ka poʻe kūʻai hale kūʻai kūpono - no laila ʻaʻohe uku hoʻohaʻahaʻa no ka poʻe i kūpono!
Kōkua kēia papahana i ka poʻe hāʻawi kālā e hana me nā ʻohana haʻahaʻa a haʻahaʻa e noho ana ma nā kuaʻāina e hoʻokō pono i ka home. ʻO ka hāʻawi ʻana i nā manawa kūpono homeownership e hāpai i ka pōmaikaʻi, ʻo ia hoʻi ka hana ʻana i nā kaiāulu waiwai a hoʻomaikaʻi i ka maikaʻi o ke ola ma nā kuaʻāina.
ʻO ka Guaranteed Loan Program kekahi o nā papahana hale i hāʻawi ʻia e Rural Development e hoʻoikaika i nā kaiāulu kua'āina. Inā ʻaʻole hiki i ka Guaranteed Loan Program ke hoʻokō i kāu mau pono hale kūpono, paipai mākou iā ʻoe e kelepona i kāu keʻena DR kūloko no ka ʻike hou aku e pili ana i kā mākou Direct Single Family Programs.
100% hoʻolimalima hale kūʻai mua
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%. Hoʻopili pinepine ʻia nā kumukūʻai 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.
100 moraki kālā kokoke iaʻu
Hiki paha ke loaʻa i kahi hōʻaiʻē moraki 100%? ʻAukake 19, 2021|In Credit|Na Simardeep SinghMe ke ʻano o ka mahalo ʻana i ke kumukūʻai i ʻike ʻia e ka mākeke waiwai i nā makahiki he ʻumi i hala, ʻaʻole hiki ke kūʻai i hale inā hilinaʻi wale mākou i kā mākou waihona.
ʻOiai aia nā hōʻaiʻē moraki e kōkua iā ʻoe e kūʻai a kūkulu paha i kou hale, pono ʻoe e uku i kekahi kālā ma ke ʻano he uku hoʻohaʻahaʻa a ʻo ke koena e hiki ke kālā ʻia e nā ʻoihana hōʻaiʻē e like me nā panakō, nā hui kālā hale, etc. Eia naʻe, koi ʻia kahi hōʻoia.
Eia naʻe, ʻo ka poʻe ʻaʻole i loaʻa ka nui o ka mālama kālā no ka uku ʻana, hiki ke loaʻa i kahi hōʻaiʻē moraki, akā me kekahi mau kūlana i loaʻa i nā panakō kahi palena palekana e pili ana i ka emi ʻana o ka waiwai o ka waiwai.
ʻO ka koho kālā mua a kūpono loa no ka mea kūʻai aku he moraki. ʻO ka nīnau i nīnau ʻia e ka poʻe kūʻai hale mua, "Pehea ʻoe e loaʻa ai kahi hōʻaiʻē home 100%? Hāʻawi nā panakō a me nā hui hōʻaiʻē ʻē aʻe i nā hōʻaiʻē a hiki i ka 90% o ka nui o ka waiwai o ka home.
Pehea e loaʻa ai kahi hōʻaiʻē no ka hale
Loaʻa iā North Dakota kahi papahana hoʻokele e hiki ai ke loaʻa kālā no nā hale i hana ʻia i kūpono. Ua kūkulu ʻia nā hale i hana ʻia ma lalo o kēia papahana pailaka ma ka lā 1 o Ianuali 2006, ʻoi aku ma mua o 400 kapuaʻi square, a e helu ʻia a ʻauhau ʻia ma ke ʻano he waiwai maoli. Pono nā hale ma luna o ka ʻāina nona a i ʻole nona ka mea noi, a pono ke kahua paʻa a i ʻole ke kūkulu ʻia me nā kālā hōʻaiʻē.
– Nā hōʻaiʻē hoʻoponopono hale a me nā haʻawina: hoʻohana ʻia e kōkua i ka poʻe nona nā hale kuaʻāina e hana i nā hoʻomaikaʻi a hoʻoponopono paha, ʻo ia paha ke komo ʻana i ka wehe ʻana i nā pōʻino olakino a palekana a i ʻole ka hoʻokipa ʻana i nā hale i nā poʻe me ke kino kīnā.
