ʻO ka pākēneka makahiki (APR) he uku panee e hōʻike ana i ke kumukūʻai o ka moraki ma ke ʻano he uku makahiki. ʻOi aku paha kēia uku ma mua o ka helu memo i ʻōlelo ʻia a i ʻole ka uku hoʻolaha ma ka moraki, no ka mea, e noʻonoʻo ana ia i nā helu a me nā koina hōʻaiʻē ʻē aʻe. Hāʻawi ka APR i nā mea kūʻai hale e hoʻohālikelike i nā ʻano moraki like ʻole e pili ana i ke kumukūʻai makahiki no kēlā me kēia hōʻaiʻē. Hoʻolālā ʻia ka APR no ke ana ʻana i ke "koi maoli o kahi hōʻaiʻē." Hoʻokumu ia i kahi kahua pāʻani pae no nā mea hāʻawi. Kāohi ia i nā mea hāʻawi kālā mai ka hoʻolaha ʻana i ka uku haʻahaʻa a me nā uku huna.

ʻAʻole pili ka APR i kāu uku mahina. ʻO kāu mau uku o kēlā me kēia mahina he hana koʻikoʻi ia o ka uku panee a me ka lōʻihi o ka hōʻaiʻē.

Ma muli o ka helu ʻana o ka APR e nā uku like ʻole i kau ʻia e nā mea hāʻawi kālā, ʻaʻole ʻoi aku ka maikaʻi o ka hōʻaiʻē me ka APR haʻahaʻa. ʻO ke ala maikaʻi loa e hoʻohālikelike ai i nā hōʻaiʻē ʻo ke noi ʻana i nā mea hāʻawi kālā e hāʻawi iā ʻoe i kahi manaʻo kūpono maikaʻi o kā lākou kumukūʻai ma ke ʻano o ka papahana like (e laʻa me 30 mau makahiki paʻa) ma ka uku panee like. Hiki iā ʻoe ke hoʻopau i nā uku kūʻokoʻa mai ka hōʻaiʻē e like me ka ʻinikua o nā mea hale, nā uku inoa, nā uku escrow, nā uku loio, a me nā mea ʻē aʻe. ʻOi aku ka liʻiliʻi o ka hōʻaiʻē ma mua o ka mea hōʻaiʻē me nā uku hōʻaiʻē kiʻekiʻe.

Hoʻokomo pinepine ʻia nā uku i loko o ka APR:

Nā helu - nā helu hoʻemi a me nā helu kumu

uku uku mua. ʻO ka ukupanee i uku ʻia mai ka lā i pani ai ka hōʻaiʻē a hiki i ka hopena o ka mahina.

Uku hoʻoili ʻaiʻē

Uku underwriting

Uku hoʻomākaukau palapala

Moraki-inikua

Uku escrow

ʻAʻole i hoʻokomo pinepine ʻia nā uku i loko o ka APR:

Ke poʻo inoa a i ʻole ka uku abstract

Uku no ka Loio

Uku makaikai home

Uku hoʻopaʻa

Hoʻoili ʻauhau

Hōʻike hōʻaiʻē

Uku koho

Aia ma lalo ka papa inoa o nā palapala i koi ʻia ke noi ʻoe no kahi moraki. Eia naʻe, ʻokoʻa kēlā me kēia kūlana a pono paha ʻoe e hāʻawi i nā palapala hou. No laila, inā e noi ʻia ʻoe no ka ʻike hou aku, e hui like a hāʻawi i ka ʻike i noi ʻia i ka wā hiki. E kōkua ia i ka wikiwiki o ke kaʻina noi.

Kou Waiwai

Ke kope o ka ʻaelike kūʻai i hoʻopaʻa ʻia me nā mea holo holo a pau

ʻO ka hōʻoia o ka waihona āu i kau ai ma ka home

Nā inoa, nā helu wahi a me nā helu kelepona o nā mea kūʻai hale, nā mea kūkulu hale, nā ʻinikua a me nā loio i pili

Ke kope o ka Pepa Papa inoa a me ka wehewehe kānāwai inā loaʻa (inā he condominium ka waiwai e ʻoluʻolu e hāʻawi i ka ʻōlelo hoʻolaha condominium, nā kānāwai a me nā kālā hou loa)

Kou Loaa

Nā kope o kāu mau uku uku no nā lā 30 hou loa a me ka makahiki a hiki i kēia lā

Nā kope o kāu palapala W-2 no nā makahiki ʻelua i hala

Nā inoa a me nā helu wahi o nā mea hana a pau no nā makahiki ʻelua i hala

Leta e wehewehe ana i nā hakahaka o ka hana i nā makahiki 2 i hala

Visa hana a i ʻole kāleka ʻōmaʻomaʻo (kope i mua a i hope)

Inā hoʻohana ʻoe iā ia iho a loaʻa paha i ke komisina a i ʻole ka bonus, ukupanee/dividends, loaʻa kālā a hoʻolimalima paha:

E hāʻawi i nā hōʻike ʻauhau piha no nā makahiki ʻelua i hala ʻo PLUS makahiki-a-lā i kēia lā ka ʻōlelo Profit and Loss (e ʻoluʻolu e hāʻawi i ka hoʻihoʻi ʻauhau piha me nā papa manawa a me nā ʻōlelo i hoʻopili ʻia.

Nā K-1 no nā hui like a me nā S-Corporations no nā makahiki ʻelua i hala (e ʻoluʻolu e nānā pālua i kāu hoʻihoʻi. ʻAʻole pili ka hapa nui o nā K-1 i ka 1040.)

Hoʻopau a pūlima ʻia ʻo Federal Partnership (1065) a me / a i ʻole nā ​​ʻauhau ʻauhau ʻauhau (1120) me nā papa manawa āpau, nā ʻōlelo a me nā addenda no nā makahiki ʻelua i hala. (Koi ʻia inā he 25% a ʻoi aku paha kāu kūlana kuleana.)

Inā ʻoe e hoʻohana i ke Alimony a i ʻole Kākoʻo keiki no ke koho ʻana:

E hāʻawi i ke kauoha hemo / ʻaha hoʻokolokolo e hōʻike ana i ka nui, a me ka hōʻoia o ka loaʻa ʻana o nā kālā no ka makahiki i hala

Inā loaʻa iā ʻoe nā pōmaikaʻi Social Security, Disability or VA:

Hāʻawi i ka leka hoʻoholo mai ke keʻena a i ʻole hui

Kumu o ke dala a me ka uku mua

Ke kūʻai aku nei i kou home e noho nei - hāʻawi i kope o ka ʻaelike kūʻai i kau inoa ʻia ma kou hale noho a me ka ʻōlelo a i ʻole ka ʻaelike papa inoa inā ʻaʻole i kūʻai ʻia (ma ka pani ʻana, pono ʻoe e hāʻawi i kahi ʻōlelo hoʻoholo/Hoʻopau)

Nā waihona kālā, nānā ʻana a i ʻole kālā mākeke kālā - hāʻawi i nā kope o nā ʻōlelo panakō no nā mahina 3 i hala

Nā waihona a me nā mea paʻa - hāʻawi i nā kope o kāu ʻōlelo mai kāu mea hoʻolimalima a i ʻole kope o nā palapala hōʻoia

Nā makana - Inā pani ʻia kahi hapa o kāu kālā, hāʻawi i ka Gift Affidavit a me ka hōʻoia o ka loaʻa ʻana o ke kālā.

Ma muli o ka ʻike i ʻike ʻia ma kāu noi a/a i kāu hōʻike hōʻaiʻē, pono paha ʻoe e hoʻouna i nā palapala hou

ʻAiʻē a i ʻole nā ​​kuleana

E hoʻomākaukau i ka papa inoa o nā inoa āpau, nā helu wahi, nā helu moʻokāki, nā koena, a me nā uku o kēlā me kēia mahina no nā aie āpau o kēia manawa me nā kope o nā ʻōlelo hōʻike mahina ʻekolu i hala.

E hoʻokomo i nā inoa āpau, nā helu wahi, nā helu moʻokāki, nā koena, a me nā uku o kēlā me kēia mahina no nā mea paʻa moraki a/a i nā konohiki no nā makahiki ʻelua i hala.

Inā ʻoe e uku nei i ka alimony a i ʻole ke kākoʻo keiki, e hoʻokomo i ka hoʻoholo male ʻana/ke kauoha ʻaha hoʻokolokolo e hōʻike ana i nā ʻōlelo o ke kuleana.

E hōʻoia no ka uhi ʻana i ka uku noi

ʻO ka hōʻaiʻē hōʻaiʻē kahi ʻōnaehana e hoʻohana ai nā mea ʻaiʻē e kōkua i ka hoʻoholo ʻana inā e hāʻawi ʻoe iā ʻoe. ʻO nā ʻike e pili ana iā ʻoe a me kāu mau ʻike hōʻaiʻē, e like me kāu mōʻaukala uku bila, ka helu a me ke ʻano o nā moʻokāki āu i loaʻa ai, nā uku hope, nā hana hōʻiliʻili, nā ʻaiʻē koʻikoʻi, a me nā makahiki o kāu mau moʻokāki, e hōʻiliʻili ʻia mai kāu noi aie a me kāu hōʻike hōʻaiʻē. Ke hoʻohana nei i kahi papahana helu helu, hoʻohālikelike nā mea ʻaiʻē i kēia ʻike i ka hana hōʻaiʻē o nā mea kūʻai aku me nā ʻano like like. Hāʻawi ka ʻōnaehana hōʻaiʻē hōʻaiʻē i nā helu no kēlā me kēia kumu e kōkua i ka wānana ʻana i ka mea nāna e uku i kahi ʻaiʻē. ʻO ka huina o nā helu -- he helu ʻaiʻē -- kōkua i ka wānana i ke ʻano o kou ʻaiʻē, ʻo ia hoʻi, pehea ʻoe e hoʻihoʻi ai i kahi hōʻaiʻē a uku i ka wā e pono ai.

ʻO nā helu hōʻaiʻē nui loa i hoʻohana nui ʻia, ʻo ia nā helu FICO, i kūkulu ʻia e Fair Isaac Company, Inc. E hāʻule kāu helu ma waena o 350 (kiʻekiʻe kiʻekiʻe) a me 850 (haʻahaʻa haʻahaʻa).

No ka mea he ʻāpana koʻikoʻi kāu hōʻike hōʻaiʻē o ka nui o nā ʻōnaehana hōʻaiʻē, he mea nui e hōʻoia i ka pololei ma mua o kou hoʻouna ʻana i kahi noi hōʻaiʻē. No ka loaʻa ʻana o nā kope o kāu hōʻike, e kelepona i nā keʻena hōʻike hōʻaiʻē nui ʻekolu:

Equifax: (800) 685-1111

Experian (TRW mamua): (888) EXPERIAN (397-3742)

Hui Trans: (800) 916-8800

Hiki i kēia mau keʻena ke uku iā ʻoe i $9.00 no kāu hōʻike hōʻaiʻē.

Loaʻa iā ʻoe ke kuleana e loaʻa i hoʻokahi hōʻike hōʻaiʻē manuahi i kēlā me kēia 12 mahina mai kēlā me kēia o nā hui hōʻike hōʻaiʻē mea kūʻai a puni ka honua - Equifax, Experian a me TransUnion. ʻAʻole paha i loaʻa i kēia hōʻike hōʻaiʻē manuahi kāu helu ʻaiʻē a hiki ke noi ʻia ma o kēia pūnaewele: https://www.annualcreditreport.com

He paʻakikī nā kumu hoʻohālike hōʻaiʻē a ʻokoʻa pinepine i waena o nā mea ʻaiʻē a no nā ʻano ʻaiʻē like ʻole. Inā hoʻololi kekahi kumu, hoʻololi paha kāu helu -- akā pili ka hoʻomaikaʻi ʻana i ka pili ʻana o ia mea i nā kumu ʻē aʻe i manaʻo ʻia e ke kumu hoʻohālike. Hiki i ka mea ʻaiʻē ke wehewehe i ka mea e hoʻomaikaʻi ai i kāu helu ma lalo o ke kumu hoʻohālike i hoʻohana ʻia e loiloi i kāu noi aie.

Eia nō naʻe, loiloi nā kumu hoʻohālike i kēia mau ʻano ʻike i kāu hōʻike hōʻaiʻē

ʻOiai ʻoi aku ka maikaʻi o ka hoʻokumu ʻana i nā moʻokāki hōʻaiʻē, ʻoi aku ka nui o nā helu kāleka hōʻaiʻē i ka hopena maikaʻi ʻole i kāu helu. Eia kekahi, nui nā hiʻohiʻona e noʻonoʻo i ke ʻano o nā waihona hōʻaiʻē i loaʻa iā ʻoe. No ka laʻana, ma lalo o kekahi mau hiʻohiʻona helu, hiki i nā hōʻaiʻē mai nā hui kālā ke hoʻopilikia maikaʻi i kāu helu ʻaiʻē.

Hiki ke hoʻokumu ʻia nā kumu hoʻohālike ma luna o ka ʻike ma kāu hōʻike hōʻaiʻē. No ka laʻana, hiki i ke kŘkohu ke noʻonoʻo i ka ʻike mai kāu noi aie pū kekahi: kāu hana a ʻoihana paha, ka lōʻihi o ka hana, a i ʻole he home kou.

No ka hoʻomaikaʻi ʻana i kāu helu ʻaiʻē ma lalo o ka nui o nā kumu hoʻohālike, e noʻonoʻo i ka uku ʻana i kāu mau pili i ka manawa, e uku i nā koena koʻikoʻi, a ʻaʻole e lawe i ka ʻaiʻē hou. Loaʻa paha kekahi manawa e hoʻomaikaʻi nui i kāu helu.

Hoʻololi ʻia ka waiwai mai ka mea kūʻai aku iā ʻoe ma ka "Closing" a i ʻole "Funding".

I ka pau ʻana, ua hoʻoili ʻia ke kuleana o ka waiwai mai ka mea kūʻai aku iā ʻoe. Hiki iā ʻoe ke hoʻopili iā ʻoe, ka mea kūʻai aku, nā mea kūʻai aku, kāu loio, loio o ka mea hāʻawi kālā, poʻo inoa a i ʻole nā ​​​​ʻelele hui escrow, nā kākau ʻōlelo, nā kākau ʻōlelo, a me nā limahana ʻē aʻe. Hiki iā ʻoe ke loaʻa i ka loio ke kū ʻole inā ʻaʻole hiki iā ʻoe ke hele i ka hālāwai pani, ʻo ia hoʻi, inā ʻoe ma waho o ka mokuʻāina. Hiki ke pani ʻia ma nā wahi a pau mai ka hola 1 a i kekahi mau mea e pili ana i nā pauku contingency i ka hāʻawi kūʻai, a i ʻole nā ​​​​helu escrow e pono e hoʻonohonoho.

ʻO ka hapa nui o nā pepa i ka pani ʻana a i ʻole ka hoʻoponopono ʻia e hana ʻia e nā loio a me nā ʻoihana waiwai. Hiki paha iā ʻoe ke komo i kekahi o nā hana pani; pili ia i ka mea āu e hana nei.

Ma mua o ka pani ʻana, pono ʻoe e nānā hope, a i ʻole "walk-through" e hōʻoia i ka hoʻoponopono ʻana i noi ʻia, a aia nā mea i ʻae ʻia e noho me ka hale e like me nā pale, nā mea kukui, etc.

Ma ka hapanui o nā moku'āina, ua hoʻopau ʻia ka hoʻoholo ʻana e ke poʻo inoa a i ʻole ka hui escrow kahi āu e hoʻouna aku ai i nā mea āpau a me nā ʻike a me nā kikoʻī a ka cashier kūpono i hiki ai i ka hui ke hana i ka uku kūpono. Na kou ʻelele e hāʻawi i ke kiko i ka mea kūʻai aku, a laila hāʻawi i nā kī iā ʻoe.

Hoʻolauna

Aia kēia kumuhana i ka ʻike e pili ana i ka hōʻaiʻē moraki kiʻekiʻe, me:

· Ka wehewehe o ka HPML

· Nā koi no ka hōʻaiʻē HPML

Ka wehewehe o ka HPML

Ma keʻano laulā, ʻoi aku ka nui o ka hōʻaiʻē moraki me ka pākēneka makahiki, a i ʻole APR, ʻoi aku ka kiʻekiʻe ma mua o ka helu kikoʻī i kapa ʻia ʻo Average Prime Offer Rate.

ʻO ka Average Prime Offer Rate (APOR) he pākēneka makahiki i hoʻokumu ʻia ma ka awelika o ka uku paneʻe, nā uku, a me nā huaʻōlelo ʻē aʻe ma nā moraki i hāʻawi ʻia i nā mea hōʻaiʻē kūpono loa.

E noʻonoʻo ʻia kāu moraki he hōʻaiʻē moraki kiʻekiʻe ke kumukūʻai inā he pākēneka ʻoi aku ka APR ma mua o ka APOR ma muli o ke ʻano o kāu hōʻaiʻē:

· Nā moraki mua: ʻO ka APR he 1.5 pakeneka a ʻoi aʻe paha ma mua o ka APOR.

· Hōʻaiʻē Jumbo: ʻO APR he 2.5 pakeneka a ʻoi aku paha ma mua o ka APOR

· Nā moraki haʻahaʻa haʻahaʻa （2nd Lien）: ʻO ka APR o kēia moraki he 3.5 pakeneka a ʻoi aʻe paha ma mua o ka APOR

Nā koi no ka hōʻaiʻē HPML

ʻOi aku ke kumukūʻai o ka hōʻaiʻē moraki ma mua o ka moraki me nā huaʻōlelo maʻamau. No laila, pono kāu mea hāʻawi e hana i nā hana hou aku e hōʻoia e hiki iā ʻoe ke uku i kāu hōʻaiʻē a ʻaʻole e paʻa. Pono paha kāu mea hāʻawi:

· Loaʻa i kahi loiloi kūloko piha mai kahi mea loiloi laikini a i ʻole i hōʻoia ʻia

· E hāʻawi i kahi loiloi lua o kou home me ka manuahi, inā he home "Flipped".

· I nā manawa he nui, mālama i kahi moʻokāki escrow no ʻelima mau makahiki

Hoʻolauna

Aia kēia kumuhana i ka ʻike e pili ana i ka ATR Rule and Qualify Mortgage, me:

· He aha ke kānāwai ATR?

· Hoʻokuʻu ʻia nā ʻano hōʻaiʻē mai ka Qualify Mortgage

He aha ke kānāwai ATR?

ʻO ke kānāwai hiki ke hoʻihoʻi ka manaʻo kūpono a me ka manaʻo maikaʻi e koi ʻia ka hapa nui o nā mea hōʻaiʻē moraki e hana i hiki iā ʻoe ke uku i ka hōʻaiʻē.

Ma lalo o ke kānāwai, pono nā mea hāʻawi kālā e ʻike, noʻonoʻo, a palapala i ka loaʻa kālā o ka mea hōʻaiʻē, nā waiwai, ka hana, ka mōʻaukala aie a me nā lilo o kēlā me kēia mahina. ʻAʻole hiki i nā mea hōʻaiʻē ke hoʻohana wale i ka helu hoʻomaka a i ʻole "teaser" e noʻonoʻo inā hiki i ka mea hōʻaiʻē ke uku i kahi hōʻaiʻē. Eia kekahi laʻana, inā he haʻahaʻa haʻahaʻa ko ka moraki e piʻi aʻe ana i nā makahiki i hala aku nei, pono ka mea nāna e hāʻawi aku e hoʻoikaika kūpono e noʻonoʻo inā hiki i ka mea hōʻaiʻē ke uku i ka uku panee kiʻekiʻe.

ʻO kahi ala e hiki ai i ka mea hāʻawi kālā ke hahai i ka lula hiki ke uku hou ʻia ma ka hana ʻana i kahi "Mōraki Kūʻai".

Hoʻokuʻu ʻia nā ʻano hōʻaiʻē mai ka Mortgage Qualify

· He manawa "uku-wale", ke uku wale ʻoe i ka ukupanee me ka uku ʻole ʻana i ke kumupaʻa, ʻo ia ka nui o ke kālā āu i ʻaiʻē ai.

· “Negative amortization” hiki ke ʻae i kāu kumu hōʻaiʻē e hoʻonui i ka manawa, ʻoiai ʻoe e uku nei.

· “Balloon Payments” ʻoi aku ka nui ma mua o ka uku maʻamau i ka pau ʻana o kahi manawa hōʻaiʻē. ʻO ka manawa hōʻaiʻē ka lōʻihi o ka manawa e uku ʻia ai kāu hōʻaiʻē. E hoʻomaopopo i ka ʻae ʻia nā uku baluna ma lalo o kekahi mau kūlana no nā hōʻaiʻē i hana ʻia e nā mea hāʻawi liʻiliʻi.

· ʻOi aku ka lōʻihi ma mua o 30 makahiki.

Hoʻolālā ʻia nā paʻa ʻo Fidelity no ka pale ʻana i kā lākou poʻe paʻa i nā poho i loaʻa ma muli o nā hana ʻino a hoʻopunipuni paha e nā ʻaoʻao i hōʻike ʻia. I ka hapanui o nā hihia, hoʻohana ʻia nā paʻa pono no ka pale ʻana i nā hui mai nā hana a nā limahana hoʻopunipuni.

ʻOiai ua kapa ʻia lākou he mau paʻa, ʻo nā paʻa paʻa pono ke ʻano o ke kulekele ʻinikua no nā ʻoihana/poʻe hana, e hōʻoiaʻiʻo ana iā lākou e kūʻē i nā pohō mai nā limahana (a i ʻole nā ​​​​mea kūʻai aku) i manaʻo e hoʻopilikia i ka ʻoihana. Hoʻopili lākou i nā hana e hoʻopōmaikaʻi pono ʻole i ka limahana ma ke kālā a i ʻole ka manaʻo e hōʻeha i ka ʻoihana kālā. ʻAʻole hiki ke kūʻai ʻia nā paʻa paʻa pono a ʻaʻole e hoʻonui i ka ukupanee e like me nā paʻa maʻamau.

 

Hōʻuluʻulu manaʻo

Mālama ʻo Fidelity Bond i kā lākou poʻe kuleana mai nā hana ʻino a ʻino i hana ʻia e nā limahana a i ʻole nā ​​​​mea kūʻai aku.

ʻElua ʻano o nā paʻa paʻa pono: nā paʻa ʻaoʻao mua (ka mea e pale ai i nā ʻoihana mai nā hana ʻino a nā limahana a i ʻole nā ​​​​mea kūʻai aku) a me nā mea paʻa ʻaoʻao ʻekolu (ka mea e pale ai i nā hui mai nā hana ʻino a nā limahana i ʻaelike ʻia).

Pono nā paʻa no ka mea he ʻāpana ia o ka hoʻolālā hoʻokele pilikia o ka ʻoihana, e pale ana i ka ʻoihana i nā hana e hoʻopilikia maikaʻi ʻole i kā lākou waiwai.

Hoʻopili nā paʻa i nā mea like i uhi ʻia e nā kulekele ʻinikua hewa e like me ka ʻaihue a me ka ʻaihue, akā uhi pū lākou i nā mea i hiki ʻole i kēia mau kulekele. Hoʻopili kēia i nā mea e like me ka hoʻopunipuni, hoʻopunipuni, embezzlement, a me nā hewa "keʻokeʻo" ʻē aʻe he nui i hiki ke hana ʻia e nā limahana ma nā ʻoihana kālā a me nā hui nui.

ʻO kahi hōʻaiʻē home equity—i ʻike ʻia hoʻi he hōʻaiʻē equity, home equity installment loan, a i ʻole moraki lua—he ʻano ia o ka mea kūʻai. Hāʻawi nā hōʻaiʻē home equity i nā mea hale e hōʻaiʻē kūʻē i ke kaulike ma ko lākou home. Hoʻokumu ʻia ka nui o ka hōʻaiʻē ma ka ʻokoʻa ma waena o ke kumukūʻai makeke o kēia manawa a me ke koena moraki o ka mea hale. Loaʻa nā hōʻaiʻē home equity i ka uku paʻa, ʻoiai ʻo ke ʻano maʻamau, nā laina kaulike o ka home (HELOCs), maʻamau he mau uku hoʻololi.

Nā mea nui e lawe ai:

ʻO kahi hōʻaiʻē home equity, i ʻike ʻia ʻo "home equity installment loan" a i ʻole "moraki lua," he ʻano ʻaiʻē mea kūʻai.

Hāʻawi nā hōʻaiʻē home equity i nā mea hale e hōʻaiʻē kūʻē i ke kaulike ma ko lākou hale.

Hoʻokumu ʻia ka nui o ka hōʻaiʻē home equity ma ka ʻokoʻa ma waena o ke kumukūʻai makeke o kēia manawa a me ke koena o ka moraki.

Loaʻa nā hōʻaiʻē home equity ma nā ʻano ʻelua—nā hōʻaiʻē uku paʻa a me nā laina hōʻaiʻē home equity (HELOC).

Hāʻawi nā hōʻaiʻē home equity paʻa i hoʻokahi huina kālā, ʻoiai hāʻawi nā HELOC i nā mea hōʻaiʻē i nā laina ʻaiʻē.

Ma kahi hoʻolimalima kālā lohi, hiki iā ʻoe ke lawe i ke kālā ma kahi waiwai i mea e uhi ai i ke kumukūʻai kūʻai a me nā koina pani no kahi waiwai āu i kūʻai mua ai me ke kālā. . ʻAe kēia iā ʻoe e loaʻa ka pōmaikaʻi o ka lilo ʻana i mea kūʻai kālā a hāʻawi i nā mea kūʻai aku i ka manawa e ʻike ai e pani ʻia ke kālepa, ʻoiai e hāʻawi iā ʻoe i ka hiki ke loaʻa i kahi moraki ma hope koke iho i mea e pale ai i ka hoʻopaʻa ʻia ʻana o kāu mau waihona i loko o kou hale.

Hiki iā ʻoe ke noʻonoʻo i ka hoʻopaneʻe ʻana i ke kālā ma ke ʻano he ala e hāʻawi ai iā ʻoe iho i ka pōmaikaʻi kūkākūkā e hiki mai ana me ka uku ʻana i ke kālā no ka home, ʻoiai e hāʻawi mau ana iā ʻoe iho i ka hoʻololi kālā no ka wā lōʻihi i hāʻawi ʻia ma ka hana ʻana i nā uku o kēlā me kēia mahina ma kahi moraki ma mua o ka hoʻolilo ʻana iā ʻoe iho "ʻilihune hale."

He mea koʻikoʻi ka waiwai hoʻolimalima no ke kūʻai ʻana i kahi waiwai hoʻolimalima. Pehea mākou e hoʻoholo ai i ka waiwai hoʻolimalima a laila? Hiki i nā pūnaewele ma lalo nei ke kōkua iā ʻoe.

ʻAʻohe pono e komo, me ka uku ʻole.

Zillow.com

http://www.realtor.com/

Hoʻohana pinepine ʻia nā pūnaewele ʻelua ma luna. Loaʻa iā lākou ka waihona waiwai nui loa, ka nui o nā kaʻa pūnaewele, a hāʻawi i nā lawelawe e lawe i ka konohiki mai ke kūʻai aku i ka hōʻiliʻili hoʻolimalima.

https://www.huduser.gov/portal/datasets/fmr.html

Paena pūnaewele o ke Keʻena Hoʻomohala A me ka Noʻonoʻo.

Pono kēlā mau pūnaewele ʻekolu ma luna aʻe e ʻike ai i ka hoʻolimalima mākeke i manaʻo ʻia.

Eia nō naʻe, no kāu kuhikuhi wale nō kēia, inā e hoʻohana ʻia ke kālā hoʻolimalima no ka loaʻa kālā kūpono, koi ʻia ka hōʻike loiloi a i ʻole ka ʻaelike hoʻolimalima.

Loaʻa i nā hōʻaiʻē maʻamau nā koi o ka ratio DTI / Reserves / LTV / kūlana ʻaiʻē. ʻO ka maʻamau, hiki i ka hapa nui o nā mea hōʻaiʻē ke loaʻa i kahi hōʻaiʻē maʻamau me ka loaʻa kālā kiʻekiʻe a me ka helu ʻaiʻē. ʻOiai no kekahi poʻe ʻaiʻē, ʻoi aku ka haʻahaʻa o kā lākou loaʻa kālā a i ʻole nā ​​​​ʻano kālā like ʻole, ka hopena i ka hōʻaiʻē ʻauhau maikaʻi ʻole; ʻAʻole ʻae ʻo Fannie Mae loan i kēia ʻano inā hōʻaiʻē hale.

I kēia mau hihia, hiki iā ʻoe ke hoʻāʻo e ʻike i kekahi mea hōʻaiʻē moraki e hāʻawi ana i nā huahana Non-QM. Hāʻawi ʻo AAA Lendings i kēia manawa i ka Bank Statement, Platinum Jumbo, Investor Cash Flow (ʻAʻole pono ka ʻike hana, ʻaʻole pono DTI), ka hoʻopau waiwai a me nā papahana ʻāina ʻē. Hiki i nā kānaka a pau ke loaʻa i kahi huahana kūpono me ka uku haʻahaʻa a me ke kumu kūʻai maikaʻi loa.

Eia kekahi mau laʻana o nā hiʻohiʻona mahalo i kēia manawa.

ʻO nā mea hoʻopukapuka waiwai me nā waiwai he nui me nā condos non-warrantable. ----Ke Kaʻa kālā kālā

ʻO ka mea hōʻaiʻē hana ponoʻī me ka hōʻaiʻē maikaʻi loa nona ka loaʻa kālā i hōʻike ʻia ma kā lākou hoʻihoʻi ʻauhau ʻaʻole ia e kūpono iā lākou no ka home nani e hiki ai iā lākou ke loaʻa. ----Hoʻolaha Panakō wale nō

ʻO ke kūlana hāʻule kahi i ʻelua makahiki wale nō ka mea hōʻaiʻē mai kahi paʻa. ---- Platinum Jumbo

Ua kūʻai aku kekahi mea hōʻaiʻē i kā lākou ʻoihana miliona miliona a laila loaʻa ka home o kā lākou moeʻuhane akā ʻaʻohe kumu o ka loaʻa kālā e palapala ai.----Asset Depletion