FAQs

FAQ

NINAU HOU

1. I ka manawa hea au e hoʻolimalima hou ai?

He manawa maikaʻi loa ia e hoʻolimalima hou inā he 2% ka haʻahaʻa o ka moraki ma mua o ka uku o kāu hōʻaiʻē.He koho kūpono paha ia inā ʻo ka ʻokoʻa o ka uku paneʻe he 1% a i ʻole ka liʻiliʻi.Hiki i kēlā me kēia hōʻemi ke hōʻemi i kāu uku moraki i kēlā me kēia mahina.Ka Laʻana: ʻO kāu uku, koe naʻe ka ʻauhau a me ka ʻinikua, ma kahi o $770 ma kahi hōʻaiʻē $100,000 ma 8.5%;inā e hoʻohaʻahaʻa ʻia ka pākēneka i 7.5%, he $700 kāu uku, i kēia manawa ke mālama nei ʻoe i $70 i kēlā me kēia mahina.ʻO kāu mālama kālā e pili ana i kāu loaʻa kālā, kālā, ka nui o ka hōʻaiʻē, a me nā hoʻololi o ka uku ukupanee.Hiki i kāu mea hāʻawi hilinaʻi ke kōkua iā ʻoe e helu i kāu mau koho.

2. He aha ia mau kiko?

ʻO kahi helu he pākēneka o ka nui o ka hōʻaiʻē, a i ʻole 1-point = 1% o ka hōʻaiʻē, no laila ʻo kahi helu ma kahi hōʻaiʻē $100,000 he $1,000.ʻO nā helu nā koina e pono e uku ʻia i ka mea hāʻawi kālā no ka loaʻa ʻana o ke kālā moraki ma lalo o nā ʻōlelo kikoʻī.ʻO nā helu hoʻemi nā uku i hoʻohana ʻia e hoʻohaʻahaʻa i ka uku paneʻe ma kahi hōʻaiʻē moraki ma ka uku ʻana i kekahi o kēia ukupanee ma mua.Hiki i nā mea hāʻawi kālā ke kuhikuhi i nā kumukūʻai ma ke ʻano o nā helu kumu ma nā haneli o ka pākēneka, 100 kumu kumu = 1 helu, a i ʻole 1% o ka nui o ka hōʻaiʻē.

3. Pono anei au e uku i na helu e hoemi ai i ka'u uku panee?

ʻAe, inā ʻoe e hoʻolālā e noho i ka waiwai no kekahi mau makahiki liʻiliʻi.ʻO ka uku ʻana i nā helu hoʻemi no ka hoʻohaʻahaʻa ʻana i ka uku paneʻe o ka hōʻaiʻē he ala maikaʻi ia e hoʻohaʻahaʻa i kāu uku hōʻaiʻē i kēlā me kēia mahina, a malia paha e hoʻonui i ka nui o ka hōʻaiʻē āu e hiki ai ke hōʻaiʻē.Eia naʻe, inā hoʻolālā ʻoe e noho i ka waiwai no hoʻokahi makahiki a ʻelua wale nō, ʻaʻole lawa kāu mālama kālā i kēlā me kēia mahina e hoʻihoʻi i ke kumukūʻai o nā helu hoʻemi āu i uku mua ai.

4. He aha ka APR?

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 "kūʻai 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 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 manaʻoʻiʻo maikaʻi o kā lākou mau kumukūʻai ma ke ʻano o ka papahana like (e laʻa me 30 mau makahiki i hoʻopaʻa ʻia) 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
ʻO ka moraki pilikino
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

5. He aha ka manaʻo o ka laka i ka uku panee?

Hiki ke loli ka uku moraki mai ka lā āu i noi ai no kahi hōʻaiʻē a hiki i ka lā āu e pani ai i ke kālepa.Inā piʻi nui ka uku paneʻe i ka wā o ke kaʻina noi hiki ke hoʻonui i ka uku moraki o ka mea ʻaiʻē me ka manaʻo ʻole.No laila, hiki i ka mea hāʻawi kālā ke ʻae i ka mea hōʻaiʻē e "lock-in" i ka uku paneʻe o ka hōʻaiʻē e hōʻoiaʻiʻo ana i kēlā helu no kahi manawa i ʻōlelo ʻia, pinepine 30-60 mau lā, i kekahi manawa no ka uku.

6. He aha nā palapala e pono ai iaʻu e hoʻomākaukau no kaʻu noi hōʻaiʻē?

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, 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 hoʻolaha condominium, nā kānāwai a me nā kālā hou loa)
Kou Loaa
ʻO 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 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 PLUS makahiki a hiki 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 mea hoʻohui 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 o ka male male / 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 ka hui 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 papa inoa ʻaelike inā ʻaʻole i kūʻai ʻia (ma ka pani ʻana, pono ʻoe e hāʻawi i kahi ʻōlelo hoʻoholo / pani pani)
Ka mālama kālā, ka nānā ʻana a i ʻole ke 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 kahi 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 e uku ana ʻoe i ka ʻaiʻai 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

7. Pehea e hoʻoholo ʻia ai koʻu ʻaiʻē e ka poʻe hāʻawi kālā?

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 pila, 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 ʻohi ʻia mai kāu noi aie a me kāu ʻaiʻē. hōʻike.Ke hoʻohana nei i kahi papahana helu helu, hoʻohālikelike nā mea hōʻaiʻē 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 e 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 nā ʻōnaehana helu hōʻaiʻē he nui, 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 ʻoihana hōʻike hōʻaiʻē nui ʻekolu:

Equifax: (800) 685-1111
Experian (TRW mamua): (888) EXPERIAN (397-3742)
Hui Trans: (800) 916-8800
Hiki i kēia mau ʻoihana 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

8. He aha kaʻu e hana ai e hoʻomaikaʻi i kaʻu helu ʻaiʻē?

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 mea 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

9. Ua uku ʻoe i kāu mau pili i ka manawa?

He mea nui ka mōʻaukala uku.Malia paha e hoʻopilikia maikaʻi ʻia kāu helu inā ua uku ʻoe i nā bila, loaʻa kahi moʻokāki i hāʻawi ʻia i nā hōʻiliʻili, a i ʻole hōʻike ʻia ka banekorupa, inā ʻike ʻia kēlā mōʻaukala ma kāu hōʻike hōʻaiʻē.

10. He aha kāu aie koe?

He nui nā kumu hoʻohālike e loiloi i ka nui o kāu aie i hoʻohālikelike ʻia me kāu mau palena aie.Inā kokoke ka nui āu e ʻaiʻē ai i kāu palena aie, he hopena maikaʻi ʻole ia i kāu helu.

11. Pehea ka lōʻihi o kāu mōʻaukala aie?

Ma keʻano maʻamau, e noʻonoʻo nā kumu hoʻohālike i ka lōʻihi o kāu moʻolelo hōʻaiʻē.Hiki i ka mōʻaukala hōʻaiʻē lawa ʻole ka hopena i kāu helu, akā hiki ke hoʻopau ʻia e nā kumu ʻē aʻe, e like me ka uku manawa a me nā koena haʻahaʻa.

12. Ua noi anei ʻoe i hōʻaiʻē hou i kēia manawa?

Nui nā hiʻohiʻona helu e noʻonoʻo inā ua noi ʻoe no ka hōʻaiʻē i kēia manawa ma ka nānā ʻana i "nā nīnau" ma kāu hōʻike hōʻaiʻē ke noi ʻoe no ka hōʻaiʻē.Inā ua noi ʻoe no nā moʻokāki hou he nui i kēia manawa, hiki ke hoʻopilikia i kāu helu.Eia naʻe, ʻaʻole helu ʻia nā nīnau a pau.ʻAʻole helu ʻia nā nīnau a ka poʻe ʻaiʻē e nānā nei i kāu moʻokāki a i ʻole ke nānā ʻana i nā hōʻike hōʻaiʻē e hana i nā makana hōʻaiʻē "prescreened".

13. ʻEhia a he aha nā ʻano kālā hōʻaiʻē āu i loaʻa?

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 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 ʻikepili mai kāu noi aie pū kekahi: kāu ʻoihana 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 hapa 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.

14. He aha ka loiloi?

ʻO ka Appraisal kahi koho o ka waiwai makeke kūpono o ka waiwai.He palapala i koi maʻamau (ma muli o ka papahana hōʻaiʻē) e ka mea hāʻawi kālā ma mua o ka ʻae ʻia ʻana o ka hōʻaiʻē no ka hōʻoia ʻana ʻaʻole ʻoi aku ka nui o ka hōʻaiʻē moraki ma mua o ka waiwai o ka waiwai.Hana ʻia ka Appraisal e kahi "Appraiser" maʻamau he ʻoihana laikini mokuʻāina i aʻo ʻia e hāʻawi i nā manaʻo loea e pili ana i nā waiwai waiwai, kona wahi, nā pono, a me nā kūlana kino.

15. He aha ka PMI (Private Mortgage Insurance)?

Ma kahi moraki maʻamau, ke emi mai kāu uku hoʻohaʻahaʻa ma mua o 20% o ke kumukūʻai kūʻai o nā mea hōʻaiʻē home home e koi maʻamau iā ʻoe e kiʻi iā Private Mortgage Insurance (PMI) no ka pale ʻana iā lākou inā ʻaʻole ʻoe i kau i kāu moraki.I kekahi manawa pono paha ʻoe e uku a hiki i ka makahiki 1 ke kumu kūʻai o ka PMI i ka pani ʻana i hiki ke kūʻai i mau haneli kālā.ʻO ke ala maikaʻi loa e pale aku ai i kēia lilo keu, ʻo ia ka hana ʻana i kahi 20% o ka uku, a i ʻole e nīnau e pili ana i nā koho papahana hōʻaiʻē ʻē aʻe.

16. He aha ka hana i ka pani ʻana?

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 ka kuleana o ka waiwai mai ka mea kūʻai aku iā ʻoe.E pili ana paha kēia iā ʻoe, ka mea kūʻai aku, nā mea kūʻai waiwai, kāu loio, loio o ka mea hāʻawi aku, 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 ka loio 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 ʻē aʻe mai ka hola 1 a hiki i ka nui ma muli o nā pauku contingency i ka hāʻawi kūʻai ʻana, 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 hoʻoholo ʻana 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 pū 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 e hoʻouna aku ai ʻoe 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.

17. He aha ka "hōʻaiʻē moraki kiʻekiʻe"?

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

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 ka Average Prime Offer Rate.

ʻO ka Average Prime Offer Rate (APOR) he pākēneka makahiki i hoʻokumu ʻia ma ka awelika o ka uku paneʻe, 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 ʻoi aku ka nui o ka APR ma mua o ka APOR ma muli o ke ʻano o kāu hōʻaiʻē:
· Nā moraki pili mua: ʻO ka APR he 1.5 pakeneka a ʻoi aʻe paha ma mua o ka APOR.
· Hōʻaiʻē Jumbo: ʻO ka APR he 2.5 pakeneka a ʻoi aku paha ma mua o ka APOR
· Nā moraki kūʻai 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 e hōʻoia e hiki iā ʻoe ke uku i kāu hōʻaiʻē a ʻaʻole e hoʻopaʻa.Pono paha kāu mea hāʻawi:
· Loaʻa i kahi loiloi kūloko piha mai kahi mea loiloi laikini a i hōʻoia ʻia paha
· Hāʻawi i kahi loiloi lua o kou home no ka manuahi, inā he home "Flipped".
· I nā manawa he nui, mālama i kahi moʻokāki escrow no ʻelima mau makahiki

18. He aha ka Ability-to-Repay Rule a he aha nā hōʻaiʻē ʻaʻole i ʻae ʻia e ka moraki kūpono?

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 ka lula hiki ke hoʻihoʻi ka manaʻo kūpono a me ka manaʻoʻiʻo maikaʻi e koi ʻia ka hapa nui o nā mea hōʻaiʻē moraki e 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 ai inā hiki i ka mea hōʻaiʻē ke uku i kahi hōʻaiʻē.No ka 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 hoʻāʻo kūpono e noʻonoʻo inā hiki i ka mea ʻaiʻē 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 Qualify Mortgage
· He wā “uku-wale”, ke uku wale ʻoe i ka ukupanee me ka ʻole o ka uku 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 ana.
· "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 o nā makahiki he 30 makahiki.

19. He aha ke ano o na paa pono?

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 nā kulekele ʻinikua no nā ʻoihana / paʻahana, e hōʻoiaʻiʻo ana iā lākou e kūʻē i ka 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 ka hoʻopaʻa paʻa ʻana: ʻo 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 (ʻo ia ka mea e pale ai i nā hui mai nā hana ʻino a nā limahana hana ʻaelike).
Pono nā paʻa no ka mea he ʻāpana ia o ka hoʻolālā hoʻokele pilikia o kahi ʻoihana, e pale ana i ka ʻoihana i nā hana e hoʻopilikia maikaʻi ʻole i kā lākou waiwai.

Hoʻopili nā mea paʻa i nā mea like i uhi ʻia e nā kulekele ʻinikua hewa e like me ka ʻaihue a me ka ʻaihue, akā uhi 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 i nā ʻoihana kālā a me nā hui nui.

20. He aha ka hōʻaiʻē Home Equity?

ʻO kahi hōʻaiʻē home equity—i ʻike ʻia hoʻi he hōʻaiʻē kaulike, hōʻaiʻē home equity installment, 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 (HELOCs).
Hāʻawi nā hōʻaiʻē home equity paʻa i hoʻokahi huina kālā, ʻoiai hāʻawi nā HELOC i nā mea hōʻaiʻē i nā laina ʻaiʻē.

21. He aha ka hoʻopaneʻe kālā?

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 kālā ʻana 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 lōʻihi i hāʻawi ʻia e ka uku ʻana i kēlā me kēia mahina ma kahi moraki ma mua o ka hana ʻana iā ʻoe iho "hale. ʻilihune.”

22. He aha ka moraki hale?

ʻO nā moraki Escrow impound nā moʻolelo i hoʻonohonoho ʻia e nā mea hāʻawi kālā e hōʻiliʻili i ke kālā 'up-front' mai iā ʻoe i ka wā e lawe ai ʻoe i kahi moraki e uhi i nā lilo e hiki mai ana e like me ka ʻauhau waiwai a me ka ʻinikua.Makemake nā mea hōʻaiʻē e hoʻonohonoho i kēia mau waihona impound, no ka mea ua maopopo lākou e uku ʻia ka ʻauhau waiwai a me ka ʻinikua i ka manawa, no ka mea e paʻa ana lākou i ke kālā a uku i kēia mau lilo no ʻoe.

23. Pehea e ike ai i ka manao hoolimalima makeke?

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?E kōkua paha nā pūnaewele ma lalo nei 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 hapa nui o ka 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 kūhelu o KE KEʻena o ka hoʻomohala ʻana i ke kulekele a me ka noiʻi.

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 ka loaʻa kālā hoʻolimalima no ka loaʻa kālā kūpono, koi ʻia ka hōʻike loiloi a i ʻole ka ʻaelike hoʻolimalima.

24. Pehea inā ʻaʻole hiki iaʻu ke loaʻa i kahi hōʻaiʻē maʻamau?

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 liʻiliʻi o kā lākou loaʻa kālā a i ʻole nā ​​​​ʻano kālā like ʻole, e hopena i nā hōʻike ʻauhau maikaʻi ʻole;ʻAʻole ʻae ʻo Fannie Mae loan i kēia ʻano inā hōʻaiʻē hale.
I kēia hihia, hiki iā ʻoe ke hoʻāʻo e ʻike i kekahi mea hāʻawi 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), hoʻopau waiwai a me nā papahana ʻāina ʻē.Hiki i nā mea 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 hoʻolimalima 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 iā lākou ke loaʻa.----Hoʻolaha Panakō wale nō
ʻO kahi 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

Makemake ʻoe e hana pū me mākou?