Nā hōʻaiʻē Kaiāulu: ʻAʻohe palena loaʻa, ʻaʻohe hoʻoponopono LLPA, a me nā pōmaikaʻi o ka mea kūʻai aku i ka manawa mua.

No nā mea kūʻai hale e ʻimi nei e kūʻai i kā lākouPapahanaʻO ka noho wale nō, hāʻawi ʻo Community Loans i kahi hopena maʻalahi a kūpono hoʻi. Me ka hoʻololi ʻole o LLPA no ke kūʻai ʻana, ʻaʻohe palena kālā e like me nā papahana kōkua ʻē aʻe, a me kahi koho hoʻokipa no ka poʻe kūʻai home mua, hana kēia papahana i nā ala hou i ka ʻona home. ʻO ka maikaʻi o nā mea a pau, pili pono ia me nā alakaʻi alakaʻi, e hōʻoiaʻiʻo ana i kahi kaʻina hana maʻalahi.

No ke aha e koho aiNā hōʻaiʻē kaiaulu?

1. Noho Pono

Hoʻonohonoho pono ʻia kēia mau hōʻaiʻē no nā hale āu e manaʻo ai e noho ai, e hōʻoiaʻiʻo ana i kahi hopena hale paʻa a paʻa no nā mea kūʻai.

2. ʻAʻohe hoʻololi LLPA no ke kūʻai ʻana

ʻO kahi pōmaikaʻi nui o kēia papahana ʻo ka nele o nā hoʻoponopono kumukūʻai pae ʻaiʻē (LLPA) no ke kūʻai. Hiki i nā mea kūʻai ke hoʻopaʻa i kā lākou hōʻaiʻē me ka ʻole o ka hoʻohui ʻana i nā uku a i ʻole nā ​​​​koina kiʻekiʻe e pili pinepine ana me ke kumu kūʻai LLPA.

3. ʻAʻohe palena loaʻa e like me nā polokalamu kōkua ʻē aʻe

ʻAʻole like me nā papahana moraki e hoʻokau i nā pāpale kālā, ʻaʻole hāʻawi ʻo Community Loan i nā palena kālā. Wehe kēia i ka puka i kahi ākea o nā mea kūʻai aku, me ka nānā ʻole i ka pae o ka loaʻa kālā, e ʻoi aku ka maʻalahi o ka home.

4. Hoʻokipa ʻia nā mea kūʻai hale manawa mua

Inā kūʻai ʻoe i kou home mua, hoʻomaʻamaʻa kēia polokalamu i ke kaʻina hana hōʻoia, e hāʻawi ana i kahi ala maopopo i ka home ʻole me nā pilikia ʻole.

5. E hahai i nā alakaʻi alakaʻi

Hoʻopili paʻa nā Loan Community i nā kūlana Fannie Mae a me Freddie Mac, me:

- Nā ʻike DU/LPA no ke kākau ʻana.

- Nā koi loiloi maʻamau.

- Nā palapala loaʻa a me nā waiwai e like me nā alakaʻi alakaʻi.

Mālama kēia i ka ʻike, hilinaʻi, a me ka hoʻokō ʻana i ke kaʻina hana hōʻaiʻē holoʻokoʻa.

Hōʻikeʻike Polokalamu

- Nā Pono Pono: 1-hui, PUD, a me 2-4 mau hale. ʻO nā waiwai i haʻalele ʻia he condos, nā hale i hana ʻia, a me ka ʻāina mahiʻai.

- Nā koho hōʻaiʻē: Loaʻa nā koho uku paʻa i nā makahiki 30 a me 15 mau makahiki, me nā hōʻaiʻē kiʻekiʻe.

- Nā Koina Helu FICO: Pono ka helu haʻahaʻa o 620, ma muli o nā ʻike AUS (Automated Underwriting System).

Kūpono no nā mea kūʻai hale manawa mua

No nā mea kūʻai hale mua, ʻo ka papahana Community Loan kahi koho maikaʻi loa. ʻO ka loaʻa ʻole o nā palena kālā a me nā hoʻoponopono LLPA no ke kūʻai ʻana e hōʻoia i ka hiki ke loaʻa, ʻoiai ʻo nā kaʻina hana i hui pū ʻia e hana i ka maʻalahi a me ka pololei. Ke hoʻololi nei ʻoe mai ka hoʻolimalima ʻana a kūʻai paha i kāu waiwai mua loa, ua hoʻolālā ʻia kēia polokalamu e hoʻokō i kāu mau pono.

Ka hopena

Hoʻololi hou ka papahana Community Loan i ka hiki a me ka hiki ke loaʻa i nā mea kūʻai e ʻimi nei e kūʻai i kā lākou Primary Residence Only. Me nā pōmaikaʻi e like me ka hoʻololi ʻole LLPA no ke kūʻai ʻana, ʻaʻohe palena kālā e like me nā papahana kōkua ʻē aʻe, a me ka ʻae kūikawā no ka poʻe kūʻai home mua, hoʻoneʻe ia i nā keʻakeʻa e ʻike pinepine ʻole ai ka ʻona home.

Inā mākaukau ʻoe e hana i ka ʻanuʻu aʻe no ka loaʻa ʻana o kahi home, hāʻawi ʻo Community Loans i kahi hopena hilinaʻi a hoʻokō ʻia e nā hui i kūpono i kāu mau pono.