HELOC - Wehe i nā pōmaikaʻi o nā kumukūʻai pani haʻahaʻa & ʻaʻohe hoʻopaʻi i uku mua ʻia
Hoʻolauna
Home Equity Line of Aie (HELOC)ua lilo i koho kālā kaulana no nā mea hale e ʻimi nei e hoʻopaʻa i ke kaulike o ko lākou mau home.ʻOiai ke hāʻawi nei ia i ka maʻalahi a me nā kumukūʻai haʻahaʻa haʻahaʻa, nui ka poʻe i nīnau e pili ana i kāna mau hiʻohiʻona, ʻoi aku ka nui o ka pauku hoʻopaʻi uku ʻole a me nā kumu pani haʻahaʻa.Ma kēia ʻatikala, e hāʻawi mākou i nā pane kikoʻī i kāu mau nīnau i nīnau pinepine ʻia e pili ana iā HELOC a kōkua iā ʻoe e hoʻoholo i ka ʻike.
He aha ka HELOC?
Ma mua o ka luʻu ʻana i ka nitty-gritty oHELOC, e wehewehe mua kakou i ke ano o ia mea.ʻO ka Home Equity Line of Credit he ʻano o ka hōʻaiʻē hoʻololi e hiki ai i nā mea hale ke hōʻaiʻē kūʻē i ke kaulike i loaʻa i ko lākou home.ʻO ka nui i hōʻaiʻē ʻia e hoʻokumu ʻia ma luna o ka pākēneka o ka waiwai i koho ʻia o ka waiwai me ke koena o ka moraki.
Pehea e hana ai kahi HELOC?
I kēia manawa ua ʻike ʻoe i ka mea aHELOCʻo ia, eia ke ʻano o ka hana ʻana:
Kaʻina noi:ʻO ke kaʻina hana noi no aHELOCua like ia me ka moraki kahiko.Pono ʻoe e hāʻawi i nā palapala kālā, e like me nā uku uku, nā hoʻihoʻi ʻauhau, a me nā ʻōlelo panakō, e hōʻoia i kāu loaʻa kālā a me kāu ʻaiʻē.
ʻApono: Ma hope o ka waiho ʻana i kāu noi, e nānā ka mea hāʻawi iā ia a hoʻoholo inā e ʻae ʻia.Inā ʻae ʻia, e loaʻa iā ʻoe kahi manawa huki kahi e hiki ai iā ʻoe ke hōʻaiʻē kālā.
Kau Kakau:I ka wā huki, hiki iā ʻoe ke hōʻaiʻē i kāu palena aie i kēlā me kēia manawa āu e pono ai.Hāʻawi ka mea ʻaiʻē i nā uku o ka uku panee i kēlā me kēia mahina ma kēia māhele.
ʻĀpana uku:Ke pau ka manawa huki, hoʻomaka ka pae uku.I kēia manawa, pono ʻoe e hoʻomaka e uku i ke kumupaʻa me ka ukupanee.
Nā hiʻohiʻona nui o kahi HELOC:
I kēia pae, e noʻonoʻo paha ʻoe no ke aha aHELOCpono e noonoo.E wehewehe kākou i kāna mau hiʻohiʻona nui:
Hiʻona Nui #1:Hiki ke hoʻololi ʻia: Hiki mai ka HELOC me ka uku paneʻe hiki ke hoʻololi ʻia, ʻo ia hoʻi, hiki ke hoʻololi i kāu mau uku mahina i ka manawa.ʻOiai hiki i kēia ke hopena i nā uku mahina kiʻekiʻe, hāʻawi ia iā ʻoe i ka maʻalahi no ka mea hiki iā ʻoe ke unuhi i kāu ukupanee i kāu ʻauhau.
Hiʻona Nui #2:ʻAʻohe hoʻopaʻi uku mua: ʻO kekahi o nā hiʻohiʻona maikaʻi loa o kahi HELOC ʻo ia ʻaʻole i hele mai me kahi hoʻopaʻi i uku mua ʻia.ʻO ia ke ʻano hiki iā ʻoe ke uku wikiwiki i ka hōʻaiʻē me ka hopohopo ʻole e pili ana i nā uku hou a i ʻole nā hoʻopaʻi.
Hiʻona Nui #3:ʻO nā kumukūʻai pani haʻahaʻa: Ke hoʻohālikelike ʻia me nā ʻano hōʻaiʻē ʻē aʻe, ʻoi aku ka haʻahaʻa o nā HELOC i nā kumukūʻai pani.Hiki iā ia ke mālama iā ʻoe i nā kaukani kālā i nā kumukūʻai mua a kōkua iā ʻoe e mālama i kāu mālama kālā.
Nā nīnau nīnau e pili ana iā HELOC
Me ka uhi ʻia ʻana o nā kumu, ʻo ka manawa kēia e pane i kekahi mau nīnau maʻamau e pili ana i nā HELOC:
Nīnau #1: He aha ka huina kiʻekiʻe e hiki iaʻu ke hōʻaiʻē?
Pane: ʻO ka nui o ka nui āu e hōʻaiʻē ai ma muli o kāu helu ʻaiʻē, loaʻa kālā, a me ka waiwai o kou home i kēia manawa.ʻO ka ʻōlelo maʻamau, hāʻawi nā mea hāʻawi i ka 90% o ka waiwai o kou home me ka emi ʻana o nā koena moraki e kū nei.
Nīnau #2: Pehea ka lōʻihi e uku ai au i ka hōʻaiʻē?
Pane: ʻO ka manawa uku no kahi HELOC mai ka ʻelima a hiki i ka ʻumi makahiki.I loko o kēia manawa, e uku ʻoe i kēlā me kēia mahina e pili ana i ka ukupanee a me ke kumu.
Nīnau #3: E loli anei kaʻu uku panee?
Pane: ʻAe, hiki ke loli ka uku pānaʻi i ka manawa ma muli o nā loli mākeke a i ʻole ka hoʻololi ʻana i nā kūlana waiwai.No ka hoʻohaʻahaʻa ʻana i kēia pilikia, e kūʻai a puni no ka ʻoihana HELOC maikaʻi loa mai nā mea hāʻawi kālā he nui e ʻimi i kahi me ka uku paʻa.
Hiki iaʻu ke puka i waho o kahi HELOC me ka ʻole e paʻi ʻia me nā hoʻopaʻi uku mua?
ʻAe, hiki iā ʻoe ke uku mua i kāu HELOC me ka loaʻa ʻole o nā uku hou a i ʻole nā hoʻopaʻi.ʻO ka ʻoiaʻiʻo, hiki iā ʻoe ke hana i nā uku hou aku i kāu koena i kēlā me kēia manawa āu e makemake ai.E hoʻomaopopo wale ʻoe e mau ana kāu ʻokoʻa o ka mahina i loko o ka manawa huki;no laila, ʻaʻole e pili ka uku i kāu mau uku mahina ke ʻole ʻoe e koho.
Loaʻa i ka HELOC ka hopena i koʻu hiki ke loaʻa i nā ʻano hōʻaiʻē ʻē aʻe?
ʻAʻole pono ka loaʻa ʻana o kahi HELOC i kou hiki ke loaʻa i nā ʻano hōʻaiʻē ʻē aʻe.Ma muli o kona hoʻohana ʻana i kou home ma ke ʻano he koʻikoʻi ma mua o ka huki ʻana i ke kaulike, ʻo ka loaʻa ʻana o ʻelua laina kaʻawale o ka hōʻaiʻē ʻaʻole ia e hōʻeha i kāu ratio hoʻohana aie a i ʻole e hōʻemi i kāu mau palena aie.ʻOiaʻiʻo, e nānā mau me nā hui pilikino no kā lākou mau kulekele e pili ana i ka hōʻaiʻē ʻana ma mua o ka noi ʻana.
He aha kekahi mau pilikia e pili ana i ka hoʻohana ʻana i kahi HELOC?
E like me nā ʻano hōʻaiʻē ʻē aʻe, aia nā pilikia i ka lawe ʻana i kahi HELOC.E hoʻomaopopo pono ʻoe i kēia mau mea ma mua o kou hoʻokō ʻana iā ʻoe iho:
Pilikia #1: ʻAʻole e uku i ka ʻaiʻē: Inā ʻaʻole ʻoe e uku i ka manawa kūpono, hiki i ka mea hāʻawi ke haʻalele i kou home.E holoi ana keia i ke koena koena a me ka hopena i ka poho nui o na kumuwaiwai i hookomo ia a hiki i keia manawa.No laila, e hoʻokahua mau i nā uku kūpono ma mua o nā mea ʻē aʻe
ʻO ka pilikia #2: ʻO ka hoʻololi ʻana o ka mākeke: E like me ka mea i ʻōlelo ʻia ma mua, hiki i ka piʻi ʻana o nā kumukūʻai mākeke ke hiki i ka poʻe hōʻaiʻē ke hoʻonui i kā lākou laina hōʻaiʻē ma ka hana hou ʻana a i ʻole ke hoʻihoʻi kālā - akā he aha ka hopena inā emi nā kumukūʻai hale?Hiki paha iā ʻoe ke ʻaiʻē ma mua o ke kumukūʻai makeke o kou home i kēia manawa, e alakaʻi ana i ka pilikia kālā.E nānā mau i nā pilikia ma mua o ka hana ʻana i kekahi mea no ka wā lōʻihi.
Manao Pani
ʻOiai aHELOChāʻawi i nā pōmaikaʻi he nui, pono e hoʻomau me ka noʻonoʻo a noʻonoʻo pono i kāu kūlana kālā ma mua o ke kau inoa ʻana i nā ʻaelike.E hōʻoia ʻoe e nīnau i nā nīnau, e hoʻohālikelike i nā koho hōʻaiʻē, a koho naʻauao e like me kāu kūlana kūʻokoʻa.E hoʻomanaʻo, i ka pau ʻana o nā palapala i hoʻopaʻa ʻia a hoʻomaka ʻia, mai hoʻokaʻulua e ʻimi i ke alakaʻi inā e kū mai nā pilikia ma ke ala i mua - no ka mea, ʻo ka hopena, ʻo kou pono kālā ka mea nui!
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.
wikiō:HELOC - Wehe i nā pōmaikaʻi o nā kumukūʻai pani haʻahaʻa & ʻaʻohe hoʻopaʻi i uku mua ʻia
Ka manawa hoʻouna: Dec-05-2023