Kikowaena Huahana

Huahana Huahana

He aha ka conforming Loan?

ʻO kahi hōʻaiʻē conforming he moraki me nā ʻōlelo a me nā kūlana e kū ana i nā koina kālā o Fannie Mae a me Freddie Mac.ʻAʻole hiki ke hoʻokō ʻia nā hōʻaiʻē ma mua o kahi palena kālā, e loli ana i kēlā me kēia makahiki.I ka makahiki 2022, he $647,200 ka palena no ka hapa nui o ka US akā ʻoi aku ka kiʻekiʻe ma kekahi mau wahi ʻoi aku ka pipiʻi.Hiki iā ʻoe ke ʻimi ma ka pūnaewele no kēlā me kēia hōʻaiʻē kalana e like me nā palena hōʻaiʻē no kēia makahiki.

ʻO ka misionari a Fannie Mae lāua ʻo Freddie Mac ka hopena i ke kūʻai ʻana i ka hapa nui o nā waihona moraki e hāʻawi aku.Akā, no ka ʻae ʻana iā lākou, ʻaʻole hiki iā lākou ke makemake wale;pono lākou e hoʻohālikelike a hana ʻia ma lalo o kekahi mau alakaʻi.ʻO ia kahi e komo ai ka ʻāpana kūlike, a no ke aha i nui ai nā kānāwai underwriting me kēia mau hōʻaiʻē: ʻo ia ka hoʻohālikelike ʻana i nā hōʻaiʻē i hiki iā Fannie Mae a me Freddie Mac ke kūʻai aku iā lākou.

He aha nā ʻano o ka AAA Conforming Loan?

E ʻike paha ʻoe i nā mea hōʻaiʻē hale e hāʻawi iā ʻoe i nā kumukūʻai like ʻole no ka "General Conforming Loan" a me "High-Blance Loan".ʻOiaʻiʻo, ua kapa ʻia nā papahana ʻelua ʻo Confirming Loan.

He aha nā ʻokoʻa o ka Conforming Loan a me Non-Conforming Loan?

Aia nā ʻano ʻokoʻa o nā hōʻaiʻē hiki iā ʻoe ke hoʻohana e kūʻai i home, a ʻo nā hōʻaiʻē conforming a me nā hōʻaiʻē ʻole ka mea maʻamau.Hoʻokō ka hōʻaiʻē conforming i nā alakaʻi e kūʻai aku iā Fannie Mae a i ʻole Freddie Mac, ʻelua o nā mea kūʻai moraki nui loa i ka US Non-conforming loan, ma kekahi ʻaoʻao, ʻo ia nā mea i hāʻule ma waho o kēlā mau alakaʻi, no laila ʻaʻole hiki iā lākou ke lilo. kūʻai ʻia iā Fannie Mae a i ʻole Freddie Mac.
ʻO nā moraki a pau e hāʻule ma lalo o kekahi o kēia mau umbrellas ʻelua - ua kūlike lākou me nā alakaʻi Fannie a me Freddie, a i ʻole.ʻO ka ʻokoʻa ma waena o kēia mau mea ʻelua e alakaʻi i kekahi mau hopena hoihoi e pili ana iā ʻoe-ka mea kūʻai.


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