Nūhou ʻOihana
Pono Home Ownership: Nā hōʻaiʻē kaiāulu me ka ʻole o ka loaʻa kālā a me nā pōmaikaʻi o ka mea kūʻai aku i ka manawa mua.
Ua maʻalahi ka kūʻai ʻana i home me nā hōʻaiʻē kaiāulu i hoʻolālā ʻia no Primary Residence wale nō. ʻAʻole hāʻawi kēia papahana kūʻokoʻa i nā hoʻololi LLPA no ke kūʻai ʻana,ʻaʻohe loaʻa kālākaohi ʻana e like me nā papahana kōkua ʻē aʻe, a loaʻa nā manawa kūpono no nā mea kūʻai hale mua. Eia kekahi, hiki i nā ʻelele ke loaʻa ka pōmaikaʻi mai nā mea hoʻoikaika hou, e hoʻolilo iā ia i lanakila-lanakila no nā mea kūʻai aku a me nā ʻoihana waiwai like.
Nā mea nui o ka Polokalamu Loan Community
Kūleʻa nā Loan Community i ke kōkua ʻana i nā mea kūʻai aku e hoʻopaʻa i nā hale a lākou i manaʻo ai e noho ai, e hōʻoia ana i ka paʻa o nā ʻohana a me nā kānaka.
- ʻAʻohe hoʻololi LLPA no ke kūʻai ʻana
ʻAʻole like me nā huahana moraki kuʻuna, ʻaʻohe hoʻololi kumu kūʻai pae ʻaiʻē (LLPA) no ke kūʻai. Hāʻawi kēia i ke kumu kūʻai paʻa a hoʻokūkū, mālama i nā mea kūʻai aku i nā kumukūʻai pono ʻole.
- ʻAʻohe palena loaʻa e like me nā polokalamu kōkua ʻē aʻe
ʻOiai ke kau nei nā papahana he nui i nā palena o ka loaʻa kālā, hele mai nā Community Loans me ka loaʻa ʻole o ka loaʻa kālā, e hāʻawi ana i kahi ākea ākea i ke kālā home no nā mea kūʻai aku ma nā pae kālā like ʻole.
- Welina mai ka poʻe kūʻai hale manawa mua
Hāʻawi nā Loan Community i nā mea kūʻai hale mua me ka ʻole o nā palena ʻē aʻe, e maʻalahi i nā mea kūʻai hou e hoʻokō i kā lākou mau pahuhopu home.
- Hooikaika hou no na Agena
Hiki i nā mea kūʻai waiwai ke pōmaikaʻi mai kahi mea hoʻoikaika hou, hoʻoikaika i ka hui pū ʻana a me ka uku ʻana i kā lākou mau hana e kōkua i nā mea kūʻai aku e hoʻokele i ke kaʻina hana.
- E hahai i nā alakaʻi alakaʻi
Hoʻopili paʻa nā Loan Community i nā alakaʻi alakaʻi i hoʻonohonoho ʻia e Fannie Mae a me Freddie Mac. Mālama kēia i ka kūlike, ka hoʻokō, a me ka hilinaʻi i ka hōʻaiʻē hōʻaiʻē, ka hōʻoia kālā, a me nā koi loiloi waiwai.
No ke aha e koho ai i nā hōʻaiʻē kaiāulu?
Hoʻopau nā hōʻaiʻē Kaiaulu i nā pale e hoʻolilo pinepine i ka home ʻaʻole hiki ke loaʻa. Me nā hiʻohiʻona e like me ka ʻole o ka loaʻa kālā a ʻaʻohe hoʻololi LLPA no ke kūʻai ʻana, hiki i nā mea kūʻai ke hauʻoli i ka maʻalahi a me ka mālama kālā i loko o ke kaʻina hōʻaiʻē.
No ka poʻe kūʻai hale mua, hoʻomaʻamaʻa kēia papahana i ke kūpono no kahi moraki, e hoʻopau ana i nā pilikia i loaʻa i nā palena kālā i ʻike ʻia ma nā papahana kōkua ʻē aʻe. Hoʻohui, pōmaikaʻi nā ʻelele mai nā mea hoʻoikaika i hoʻolālā ʻia e uku i kā lākou mau hana, e hana ana i kahi kaʻina hana ʻole no nā ʻaoʻao āpau.
Pono a me nā ʻano waiwai
- Ka noho ʻana: Noho mua wale nō
- Nā ʻano waiwai: ʻO nā hale kūpono he 1-unit, PUD, a me 2-4 mau hale noho. Hoʻokuʻu ʻia nā Condos, nā hale i hana ʻia, a me nā ʻāina mahiʻai.
- Mākaʻikaʻi FICO: Ka helu ʻaiʻē liʻiliʻi o 620, e pili ana i nā ʻike AUS.
- Nā ʻōlelo hōʻaiʻē: 15-makahiki a me 30-makahiki hōʻaiʻē uku paʻa, me nā koho koho kiʻekiʻe.
Ka hopena
Inā he mea kūʻai hale mua ʻoe a i ʻole he ʻelele e ʻimi nei i kahi papahana hilinaʻi, hāʻawi ʻo Community Loans i ka hopena kūpono. Me ka hoʻololi ʻole ʻana o LLPA no ke kūʻai ʻana, ʻaʻohe palena loaʻa e like me nā papahana kōkua ʻē aʻe, a me ka nānā ʻana i ka Primary Residence Only, ua maʻalahi kēia papahana hōʻaiʻē i ke ala i ka ʻona home.
E ʻimi i nā pōmaikaʻi o nā Loan Community i kēia lā a ʻike pehea e hiki ai i kēia papahana, i kūlike me nā alakaʻi alakaʻi, ke kōkua iā ʻoe e hoʻokō i kāu moeʻuhane o ka home me ka maʻalahi.