Wells Fargo chikwereti chekumba ne500 mapoinzi echikwereti
Iwe unotya kuti chikwereti chako chakashata chichaita kuti urege kuva neimba? Usaite kuti chibodzwa chechikwereti chakaderera chichikutadzisa kukumbira chikwereti. Zvikwereti zvemba zvinowanikwa kune vanhu vane kiredhiti isingasviki yakakwana. Asi usavhunduke kana vakauya nechinodiwa chikuru chekubhadhara.
Muchidimbu, mhinduro ndihungu. Kunyange zvazvo nyaya imwe neimwe yakasiyana, yeuka kuti "yakaipa" chikwereti chekwereti inguva yakaenzana. Kazhinji, vanhu vanovhiringa chikamu chechikwereti chepasi ne "chakaipa." Unogona kunge usina kumbopotsa kubhadhara kana kubhadhara muhupenyu hwako. Nekudaro, kuenda pamusoro pemuganho pamakadhi mashoma echikwereti kunodzikisa zvibodzwa zvako, zvichipa fungidziro yekuti une chikwereti chakashata. Paunonyorera chikwereti, mumiririri anotarisa pane ese maficha, achikupa iwe mukana wekurwa. Kana, zvirinani, unogona kuwana gwara rekugadzirisa chikwereti chako kuti ugozotenga imba mune ramangwana.
KuAmerican Financing, tinogona kushanda newe kutsvaga chikwereti chakakodzera kuti uwane nhanho imwe padhuze nemuridzi wemba. Nekubhadhara kukuru, zvinokwanisika kuwana chikwereti chakashata chemba. Mamiriro ezvinhu emunhu mumwe nomumwe akasiyana. Naizvozvo, chipangamazano wembande anotora nguva yekunzwisisa zvaunoda uye kuona kana paine chero zvirongwa zvechikwereti zvinogona kugadzirwa kuti iwe uve neimba. Ramba uchifunga kuti zvirongwa zvechikwereti zvine zvawo zvishoma zvibodzwa zvechikwereti zvibodzwa (sezvinongoita vakweretesi). Asi kana iwe usingakwanisi kuwana chimwe chinhu ikozvino, mikana ndeyokuti kuita shanduko shoma shoma kuti usimbise chikwereti chako zvinokupa nzira dziri nani dzekubhadhara mari (uye kubvumirwa nyore) mune ramangwana.
Low Credit Score Mortgage Lenders
Semuenzaniso, kana ukawana madhora zviuru zvitatu pamwedzi mutero usati watanga uye uine madhora mazana mashanu mukubhadhara chikwereti chemwedzi wega wega, DTI yako i3.000%. Zvikwereti zvinoverengerwa kuDTI yako zvinosanganisira zvinhu zvakaita sekubhadhara zvishoma kadhi rechikwereti, zvikwereti zvemotokari, zvikwereti zvevadzidzi, nezvimwe.
“Bvunza mutarisiri wako wechikwereti kana aine pfungwa dzipi nedzipi dzemakwidziro ezvibodzwa zvako zvechikwereti — vangakwanisa kukubatsira nekukurumidza kukwidza zvibodzwa zvako kuti zvikubatsire kuwana mubereko uri nani,” anorayira kudaro Jon Meyer, nyanzvi yechikwereti kuThe Mortgage.” Inoshuma. uye yakatenderwa MLO.
Asi iwe unofanirwa kukoshesa kubhadhara kwako. Ita kuti ubhadhare chikwereti chako kutanga, wozobhadhara zvekushandisa. Hongu, iwe unofanirwa kubhadhara mari yako yemvura nemagetsi nguva dzose, asi kushayikwa kwemari iyi hakukanganisi chibodzwa chako chechikwereti sekupotsa kadhi rechikwereti kana kubhadhara chikwereti chemotokari.
Chinosarudzika ndechekuti iwe unofanirwa kushandisa kiredhiti isiri yechinyakare kuti ukwanise (zvinoreva kuti hauna nhoroondo yechikwereti). Kana zvakadaro, mukweretesi anoongorora mabhadharo senge mabhiri ekushandisa uye mubhadharo werendi kuti ukwanise iwe.
Yakawanda sei yandingawana pachikwereti chemba ne720 yechikwereti mamakisi?
Chibodzwa chako chechikwereti chinhu chakakosha kutariswa paunenge uchitenga imba, nekuti inoratidza nhoroondo yako yemabatiro awakaita chikwereti. Uye kuva nechibodzwa chakanaka chechikwereti chekutenga imba kunoita kuti maitiro ese ave nyore uye akwanise kudhurika: kukwirisa chibodzwa chako chechikwereti, kunoderedza mwero wembavha waunokodzera.
Kana paine vaviri kana kupfuura vanokwereta pachikwereti, iyo yakaderera avhareji mamakisi pakati pevatengi vemortgage inowanzoonekwa seyakakodzera mamaki. Kusarudzika kune iyi ndeye yakawanda-yevatengi yakajairika mortgage inotsigirwa naFannie Mae. Muchiitiko ichocho, zviyero zvevakwereta zvechikwereti zvinoverengerwa.
Kana uine zvibodzwa zvepakati zve 580 uye wako waunokwereta ane chibodzwa chechikwereti che720, chikamu chepakati chechikwereti chingava 650. Sezvo zvibodzwa zvishoma zvezvikwereti zvemazuva ose zviri 620, izvi zvinogona kureva musiyano pakati pekuwana imba yemba kana kusa.
Chinhu chimwe chete chaunofanirwa kuziva ndechekuti kune yako chiyero uye yemortgage inishuwarenzi, iyo yakaderera yepakati mamakisi inoshumwa, saka mwero wako unogona kunge wakakwira zvishoma. Kune zvakare mamwe mamiriro apo Fannie Mae achiri kushandisa yakaderera avhareji mamakisi pachiyero. Tinokurudzira kuti utaure nenyanzvi yechikwereti chemba.
Chikwereti chakaderera kuti uwane rendi
Iyo Calculator ichakubvunza iwe kune imwe data yekuverenga kwayo uye kuona iyo inofungidzirwa mamiriro emari echikwereti uye fungidziro yekubhadhara imba yawaizofanira kubhadhara mwedzi wega wega. Izvo zvakasiyana-siyana zvinoshandiswa ihuwandu hwechikwereti chemba (mari iyo bhangi ichakukweretesa zvichienderana nemutengo weimba), nguva uye mubereko.
Kuti upedze kuverenga uye kuwana fungidziro yekuti waizobhadhara marii pachikwereti chemba, tinokukumbira ruzivo nezve imba ine hunhu hwakafanana neiyo yaunoda kutenga (mutengo, iri mudunhu ripi, kana ichave yako pekutanga pekugara uye kana iri imba nyowani kana iripo) uye ruzivo nezve chikwereti chemondi (yakawanda sei yaunoda uye nguva yerendi).
Nguva yekubhadhara yechikwereti chemondgage inosiyana zvichienderana nerudzi rwemondgage. Nepo temu yepamusoro yekubhadhara Fixed Rate Mortgage iri makore makumi matatu, nguva yeVariable Rate Mortgage makore makumi mana (chero paine mamwe mamiriro akazadzikiswa). Muzviitiko zvese izvi, nguva shoma yekubhadhara chikwereti chemondi ichave makore gumi.
