HELOC – Pane i kāu mau nīnau
Ua pilikia paha ʻoe i ka huaʻōlelo "HELOC” a noʻonoʻo pehea e pōmaikaʻi ai iā ʻoe?A i ʻole ua hina paha ʻoe i nā huaʻōlelo ʻē aʻe e like me "No Prepaid Penalty" a me "Low Closing Cost" a noʻonoʻo pehea e pono ai lākou i kahi ʻano hōʻaiʻē?ʻO ka manawa kēia e wehe ai i kēia mau huaʻōlelo!
He aha ka HELOC
HELOC, he pōkole no ka Home Equity Line of Credit, he ʻano o ka moraki ʻelua e hiki ai i nā mea hale ke hōʻaiʻē kālā e pili ana i ke kaulike o ko lākou home.E helu ʻia ke kaulike o kou home ma ka unuhi ʻana i nā hōʻaiʻē a i ʻole nā moraki mai ka waiwai kūʻai o kou home i kēia manawa.Hoʻohana pinepine ʻia nā HELOC no nā koina nui e like me ka hoʻomaikaʻi ʻana i ka home, nā haʻawina kula, a i ʻole ka uku ʻana i ka ʻaiʻē kiʻekiʻe.
Hana ʻia nā HELOC e like me ke kāleka hōʻaiʻē, kahi āu e loaʻa ai ka palena ʻaiʻē (e pili ana i kāu kaulike home) a hiki ke hōʻaiʻē a hiki i kēlā palena i loko o kahi "manawa huki" - pinepine mau makahiki he ʻumi.Ma hope o kēia, hoʻomaka ka manawa uku, maʻamau he ʻumikūmālima a iwakālua makahiki.
ʻAʻohe hoʻopaʻi i uku mua ʻia
ʻO ka hoʻopaʻi i uku mua ʻia, ʻike ʻia hoʻi he hoʻopaʻi uku mua, he mea ia i loko o kahi ʻaelike moraki e ʻōlelo ana e uku ʻia ka mea hōʻaiʻē inā uku lākou i ka moraki ma mua o kekahi manawa.Hoʻohana nā mea hōʻaiʻē i nā hoʻopaʻi uku mua e pale iā lākou iho mai ka nalowale o ka loaʻa kālā i uku ʻia i ke ola o ka hōʻaiʻē.
ʻO kekahi o nā mea e hana ai aHELOCʻoi aku ka maikaʻi o ka hiʻohiʻona "No Prepaid Penalty".ʻO ke ʻano o kēia ʻano hiki iā ʻoe ke uku i ke koena o kāu hōʻaiʻē HELOC ma mua o kou manawa me ka ʻole o nā hoʻopaʻi kālā.He mea maikaʻi loa kēia inā loaʻa koke iā ʻoe ke kālā a makemake ʻoe e hoʻemi i kāu koena hōʻaiʻē a mālama i nā uku ukupanee e hiki mai ana.
Ke kumukuai pani haahaa
ʻO nā koina pani nā uku like ʻole a me nā lilo i uku ʻia i ka pau ʻana o kahi kālepa waiwai i ka wā i hoʻoili ʻia ke kuleana o ka waiwai mai ka mea kūʻai aku i ka mea kūʻai aku.Aia lākou ma waena o 2% a me 5% o ke kumukūʻai kūʻai o ka waiwai akā hiki ke loli ma muli o ka wahi o ka waiwai a me ke ʻano o ka hōʻaiʻē.
I ka wā e pili ana i nā hōʻaiʻē a i ʻole nā moraki, hiki i ka pani ʻana i nā kumukūʻai ke hele mai i kekahi manawa he mea ʻoluʻolu ʻole.ʻO kēia nā uku ma luna o ka hōʻaiʻē e pili ana i ka loiloi, kumu, a i ʻole nā uku kānāwai, hiki ke hoʻohui ʻia.He aha kā mākouHELOCʻoi aku ka maikaʻi o ka manaʻolana o nā kumukūʻai pani haʻahaʻa.Uku lawelawe pani Title a me Escrow $370-$650 (pani me Title Company pono e koho ʻia e AAA LENDINGS).
Nā mea e hoʻomanaʻo ai
Oiai na pomaikai oHELOC, ʻAʻohe hoʻopaʻi i uku mua ʻia, a ʻike ʻia ke kumukūʻai pani haʻahaʻa, pono e ʻike ʻia e hele mai nā HELOC me kā lākou mau pilikia ponoʻī.Ma muli o ka hana ʻana o kou home ma ke ʻano he mea hōʻaiʻē, ʻaʻole i uku ʻia ka hōʻaiʻē hiki ke lilo i kou home.He mea nui nō hoʻi e hoʻomaopopo i nā kumukūʻai hoʻololi e pili ana me nā HELOC.No laila he mea koʻikoʻi e noʻonoʻo i kēia mau pitfalls e pili ana i nā pōmaikaʻi ma mua o ka hoʻoholo ʻana inā he HELOC ke koho kūpono no ʻoe.
I ka hopena, e hoʻohana ana i kahiHELOChiki ke lilo i ala maikaʻi e paʻi ai i ke kaulike o kou home no nā lilo nui.ʻO kāna mau hiʻohiʻona e like me No Prepaid Penalty e hāʻawi i ka maʻalahi i kāu hoʻolālā uku, a me nā kumukūʻai pani haʻahaʻa e hōʻemi i kāu aie holoʻokoʻa.Eia nō naʻe, naʻauao mau ke hoʻomaopopo piha a noʻonoʻo i nā huaʻōlelo o kekahi hōʻaiʻē ma mua o kou kau inoa ʻana ma ka laina kiko.
No AAA Lendings
Hoʻokumu ʻia i ka makahiki 2007, ua lilo ʻo AAA Lendings i mea hōʻaiʻē moraki alakaʻi me nā makahiki he 15 o ka maikaʻi.Hāʻawi kā mākou pōhaku kihi i ka lawelawe like ʻole a me ka hilinaʻi, e hōʻoia ana i ka ʻoluʻolu loa o kā mākou mea kūʻai.
He mea kūikawā ma kahi ākea o nā huahana Non-QM-meʻAʻole Doc ʻAʻohe ʻaiʻē, P&L i hoomakaukau ia iho, WVOE, DSCR, Waihona Waihona, Jumbo, HELOC, Hoʻopau Hope ʻEluanā papahana—alakaʻi mākou i ka mākeke hōʻaiʻē 'Non-QM'.Hoʻomaopopo mākou i ka paʻakikī o ka loaʻa ʻana o nā hōʻaiʻē a loaʻa iā mākou kahi 'Loan Arsenal' e hoʻokō i kēia mau pilikia.ʻO kā mākou komo mua ʻana i ka mākeke Non-QM ua hāʻawi iā mākou i ka ʻike kūikawā.ʻO kā mākou mau hana paionia ʻo ia hoʻi mākou e hoʻomaopopo i kāu mau pono kālā.Me nā AAA Lendings, ʻoi aku ka maʻalahi a hiki ke loaʻa i kāu mau pahuhopu kālā.
Ua kōkua mākou ma kahi o 50,000 mau ʻohana i ka hoʻokō ʻana i kā lākou mau moemoeā kālā, me ka hāʻawi kālā ʻana ma mua o $ 20 biliona.ʻO ko mākou kūlana koʻikoʻi ma nā wahi koʻikoʻi e like me AZ, CA, DC, FL, NV, a me TX e hiki ai iā mākou ke lawelawe i ka lehulehu ākea.
Me ka ʻoi aku o 100 mau ʻelele i hoʻolaʻa ʻia a me nā hui underwriting a me nā hui loiloi hale, hōʻoia mākou i kahi kaʻina hōʻaiʻē maʻalahi a me ke kaumaha ʻole.
Ka manawa hoʻouna: Dec-05-2023