ʻO nā ʻano moraki maikaʻi loa
Inā hōʻole ʻia kāu palapala moraki, aia kekahi mau mea e hiki ai iā ʻoe ke hana e hoʻomaikaʻi i kou manawa e ʻae ʻia i ka manawa aʻe. Mai wikiwiki e hele i kahi mea hāʻawi kālā ʻē aʻe, no ka mea e hōʻike ʻia kēlā me kēia noi ma kāu faila aie.
ʻO nā hōʻaiʻē lā uku āu i loaʻa ai i nā makahiki ʻeono i hala e hōʻike ʻia ma kāu moʻolelo, ʻoiai inā ua uku ʻoe iā lākou i ka manawa. Hiki ke helu iā ʻoe, no ka mea, manaʻo paha ka poʻe hāʻawi kālā ʻaʻole hiki iā ʻoe ke hoʻokō i ke kuleana kālā o ka loaʻa ʻana o kahi moraki.
ʻAʻole kūpono nā mea hāʻawi kālā. Hoʻokomo ka hapa nui o lākou i kāu ʻikepili noi i loko o kahi kamepiula, no laila ʻaʻole paha ʻoe i hāʻawi ʻia i kahi moraki ma muli o kahi hewa i kāu faila aie. ʻAʻole paha e hāʻawi ka mea hāʻawi iā ʻoe i kumu kikoʻī no ka hāʻule ʻana o kahi noi hōʻaiʻē, ʻaʻole i pili i kāu faila aie.
Loaʻa i nā mea hōʻaiʻē nā ʻano hoʻohālikelike underwriting ʻokoʻa a noʻonoʻo i kekahi mau kumu i ka wā e loiloi ai i kāu noi moraki. Hiki ke hoʻokumu ʻia ma ka hui ʻana o ka makahiki, ka loaʻa kālā, ke kūlana hana, ka ratio loan-to-value, a me ka wahi waiwai.
Pehea e loaʻa ai kahi moraki no ka waiho ʻole
ʻO ke kūʻai ʻana i hale kekahi o nā mea hoihoi loa āu e hana ai. ʻO ia nō paha ke kumu kūʻai nui loa. Inā ʻaʻole ʻoe i piha i ke kālā, pono ʻoe e lawe i kahi moraki e kālā ai i ke kūʻai ʻana i hale.
Ma mua o kou komo ʻana i ke kaʻina hana moraki, he mea maikaʻi e hoʻi i hope a nānā mua i kāu hōʻike hōʻaiʻē. He kuleana nui kou olakino hōʻaiʻē i ka loaʻa ʻana o ka uku maikaʻi ma kahi hōʻaiʻē home, a i ʻole ka ʻae ʻia ʻana.
E hoʻomaka ma ka nānā ʻana i kāu hōʻike hōʻaiʻē ma kēlā me kēia o nā ʻoihana ʻaiʻē nui ʻekolu: Experian, Equifax, a me TransUnion. ʻO ke ala maʻalahi loa e hana i kēia ma ke kipa ʻana i annualcreditreport.com, ʻo ia wale nō ka pūnaewele i ʻae ʻia e ke kānāwai federal e hāʻawi i nā hōʻike hōʻaiʻē manuahi i hoʻokahi manawa i ka makahiki.
A laila, e nānā i kāu mau hōʻike e ʻike pono ʻaʻohe hewa a i ʻole nā moʻokāki ʻaʻole nau i hōʻino paha i kāu hōʻaiʻē. No ka laʻana, e nānā i ka pololei o kāu ʻike pilikino, e like me ka inoa, ka helu wahi, a me ka helu Social Security. E nānā hoʻi ua hōʻike pono ʻia nā hōʻaiʻē a me nā hōʻaiʻē ma kāu hōʻike, me ke koena a me ke kūlana. E nānā ʻelua ʻaʻohe moʻolelo huna huna, e hōʻike ana i ka ʻaihue ʻike.
Hiki iaʻu ke loaʻa i kahi moraki?
No ka loaʻa ʻana o ka uku pānaʻi maikaʻi loa mai kēlā me kēia mea hāʻawi, pono ʻoe e loaʻa kahi helu ʻaiʻē maikaʻi a me kahi ratio haʻahaʻa ʻaiʻē i ka loaʻa kālā (DTI). Hāʻawi nā mea hōʻaiʻē i nā uku maikaʻi loa i ka poʻe ʻaiʻē i loaʻa ka mōʻaukala o ka uku ʻana i kā lākou mau bila i ka manawa a me ka mālama ʻana i kā lākou aie.
No laila, makemake ʻoe e hōʻoia i ka pololei o kāu kūlana kālā ma mua o kou hoʻomaka ʻana e ʻimi i nā kumukūʻai refinancing haʻahaʻa. E nānā i ka pololei o kāu hōʻike hōʻaiʻē a helu i kāu DTI. E hoʻomau i ka uku ʻana i kāu mau bila - nā hōʻaiʻē haumāna a me nā uku kāleka hōʻaiʻē, no ka laʻana - i ka manawa.
E hoʻomanaʻo ʻaʻole ʻo ka helu ʻaiʻē haʻahaʻa a i ʻole ka DTI kiʻekiʻe aʻe ma mua o ka awelika ʻaʻole ia e hoʻokuʻu iā ʻoe mai kahi hōʻaiʻē moraki. Akā ʻo ia ka mea ʻaʻole hiki iā ʻoe ke kiʻi i nā kumukūʻai maikaʻi loa e hoʻonui i kāu waihona.
Ma ka noi ʻana i kahi ʻōlelo mai kahi mea hāʻawi hoʻokahi, hiki iā ʻoe ke waiho i hope o nā tausani kālā-inā ʻaʻole he ʻumi tausani-i loko o ka waihona. ʻO ka mea pōmaikaʻi, ua maʻalahi ka Pūnaewele i ka loaʻa ʻana o nā huaʻōlelo mai nā mea hāʻawi kālā refinancing.
Ma hope o ka loaʻa ʻana o nā hōʻaiʻē hōʻaiʻē (i ʻike ʻia ʻo ka loan estimates), pono ʻoe e hoʻoholo i ka hāʻawi ʻana i kūpono i kāu mau pahuhopu hoʻolimalima. Manaʻo paha ʻoe ʻo ka mea hāʻawi kālā me ka uku haʻahaʻa ke koho maopopo, akā ʻaʻole ʻo ia ka hihia.
Loaʻa i kahi moraki ke hoʻohana ʻoe iā ʻoe iho
E hoʻomākaukau no ke kūʻai uila, kahi e hāʻawi ai nā mea hōʻaiʻē i 90% mau hōʻaiʻē no ka liʻiliʻi ma mua o hoʻokahi lā, akā hiki ke hoʻopaʻa ʻia e like me nā pāpale i nā hāʻawi makua, nā uku paʻa lōʻihi, a i ʻole ka hōʻaiʻē ʻana i nā hale paʻa hou a i ʻole ke kūkulu ʻana.
E nānā i kāu mōʻaukala hōʻaiʻē - ka mōʻaukala o kāu hana kālā a me kou hiki ke uku i ka hōʻaiʻē - me nā keʻena kuhikuhi hōʻaiʻē nui ʻekolu ma mua o kou noi ʻana i kahi moraki. ʻO ka manaʻo maikaʻi ʻo ia ka hoʻoponopono ʻana i nā pilikia ma mua o ka pepehi ʻana i kou manawa e loaʻa ai ka uku panee kūpono mai ka mea hāʻawi kālā a i ʻole ka loaʻa ʻana o kahi moraki.
ʻO nā ʻanuʻu wikiwiki e hoʻomaikaʻi i kāu helu ʻaiʻē, inā ʻaʻole ʻoe i hana pēlā, e kākau inoa no ke koho balota, e hōʻoia i ka pololei o kou inoa a me kou helu wahi me nā mea hāʻawi ʻaiʻē āpau, a me ka uku ʻana i nā bila o ka home e like me nā pono hana i ka manawa.
Ke noi ʻoe i moraki, makemake ka poʻe hāʻawi kālā e nānā i kāu loaʻa kālā a me nā lilo e hōʻoia i hiki iā ʻoe ke hoʻolimalima i ka uku moraki me ka ʻoluʻolu, no laila e hoʻāʻo e mālama i kāu mau lilo i haʻahaʻa e like me kāu loaʻa; Ma ka liʻiliʻi loa i nā mahina e hiki mai ana i kāu noi moraki, e hoʻōki i ka hoʻopau ʻana i ke kālā no kekahi mea pono ʻole.
