Ka hoʻomaopopo ʻana i nā hōʻaiʻē paʻa ʻole 30-makahiki no nā Condos ʻaʻole pono.

I ka hoʻokele ʻana i ka honua paʻakikī o ke kālā waiwai, ʻoi aku hoʻi ma ʻAmelika Hui Pū ʻIa, hiki i kekahi ke hālāwai me nā huaʻōlelo kikoʻī e like me ka paʻakikī. ʻElua mau huaʻōlelo "Non-Agency 30 makahiki paʻa" a me "Non-Warrantable Condo." He mea koʻikoʻi ka hoʻomaopopo ʻana i kēia mau manaʻo no ka poʻe e ʻimi nei e hoʻopaʻa i kahi moraki no kahi waiwai kūʻokoʻa.

He aha ka hōʻaiʻē paʻa 30-makahiki non-agency?

ʻO kahi hōʻaiʻē Non-Agency 30-Year Fixed he ʻano moraki i kū ʻole i nā alakaʻi i hoʻonohonoho ʻia e nā hui kākoʻo aupuni e like meFannie Maea i ʻole Freddie Mac. ʻAʻole like me nā hōʻaiʻē maʻamau, hāʻawi ʻia nā hōʻaiʻē Non-Agency e nā mea hāʻawi pilikino a hiki ke maʻalahi i kā lākou ʻōlelo. ʻO ka ʻāpana "30-Year Fixed" ʻo ia ka mea e mau ana ka uku paneʻe ma kahi o 30 mau makahiki, e hāʻawi ana i ka paʻa a me ka wānana i nā uku mahina.

Ka hoʻomaopopo ʻana i nā Condos Non-Warrantable

ʻO ka Non-Warrantable Condo he condominium i kūpono ʻole i nā koina i hoʻonohonoho ʻia e Fannie Mae a i ʻole Freddie Mac no ke kālā maʻamau. Hiki i kēia mau pae hoʻohālikelike ke komo i nā pilikia e like me ke kuleana o ka mea hoʻopukapuka kiʻekiʻe, ke kūkulu ʻole ʻana, a i ʻole ka nele o nā waihona kālā i ka hui condo. Ma muli o kēia mau kumu, ʻike pinepine ʻia nā Non-Warrantable Condos e nā mea hāʻawi kālā.

No ke aha e koho ai i kahi hōʻaiʻē paʻa ʻole 30 makahiki no kahi Condo Non-Warrantable?

ʻO ka hoʻopaʻa ʻana i kahi moraki no kahi Condo Non-Warrantable hiki ke paʻakikī ma muli o kona kūlana kiʻekiʻe. ʻO kēia kahi e lilo ai kahi hōʻaiʻē Non-Agency 30-Year Fixed i koho maikaʻi. No ka mea ʻaʻole i hoʻopaʻa ʻia nā hōʻaiʻē Non-Agency e nā koi koʻikoʻi o nā hui i kākoʻo ʻia e ke aupuni, hiki iā lākou ke hāʻawi i nā kūlana underwriting ʻoi aʻe. Hiki ke hoʻohana maikaʻi ʻia kēia maʻalahi no ka poʻe e ʻimi nei e kūʻai i kahi Condo Non-Warrantable.

Nā pōmaikaʻi o kahi hōʻaiʻē paʻa ʻole he 30 makahiki

1. Hiki i ka ʻae ʻia: Hiki i nā mea hāʻawi kālā ʻole ke noʻonoʻo i kahi ākea ākea o nā kumu i ka wā e ʻae ai i kahi hōʻaiʻē, e maʻalahi ai ka poʻe kūʻai aku i nā Non-Warrantable Condos.
2. Uku Paa: ʻO ka uku pānaʻi paʻa ma luna o 30 mau makahiki e hōʻoiaʻiʻo i ka hoʻomau mau ʻana o nā uku o kēlā me kēia mahina, e kōkua ana i nā mea hale e hoʻokele pono i kā lākou kālā.
3. Hoʻoponopono hoʻoponopono: Hāʻawi pinepine nā mea hāʻawi kālā ʻaʻole i nā ʻoihana i nā hāʻina hōʻaiʻē i kūpono i nā pono kūʻokoʻa o nā mea hōʻaiʻē, kahi kūpono no ka poʻe e kūʻai ana i nā Condos Non-Warrantable.

Ka hopena

ʻO ka hoʻokele ʻana i ka ʻāina moraki no Non-Warrantable Condos hiki ke paʻakikī, akā ʻo ka hoʻomaopopo ʻana i nā koho i loaʻa hiki ke maʻalahi ke kaʻina hana. Hāʻawi kahi hōʻaiʻē Non-Agency 30-Year Fixed i kahi hopena kūpono no ke kālā ʻana i kēia mau waiwai kūʻokoʻa, e hāʻawi ana i ka maʻalahi a me ke kūpaʻa. Ma ke koho ʻana i kēia ʻano hōʻaiʻē, hiki i nā mea kūʻai aku ke hoʻopaʻa i ka home o kā lākou mau moeʻuhane me ka ʻole e keakea ʻia e nā palena o ke kālā maʻamau.

I ka hōʻuluʻulu manaʻo, inā ʻoe e noʻonoʻo nei e kūʻai i Non-Warrantable Condo, ʻo ka ʻimi ʻana i nā hōʻaiʻē Non-Agency 30-Year Fixed hiki ke kī i ka wehe ʻana i kāu mau pahuhopu homeownership.