ʻO nā hōʻaiʻē kiʻekiʻe: He alakaʻi no ka hoʻokele ʻana i nā huina moraki nui

ʻO ka hoʻopaʻa ʻana i kahi moraki no kahi waiwai waiwai nui e koi pinepine i kahi ala ʻē aʻe ma mua o nā hōʻaiʻē home maʻamau.Kaulike KiʻekiʻeHāʻawi nā hōʻaiʻē i ka poʻe ʻaiʻē makemake i ka nui o ka hōʻaiʻē ʻoi aku ma mua o nā palena maʻamau akā hāʻule i loko o nā palena kikoʻī kikoʻī. E ʻimi kēia ʻatikala i ke ʻano o nā hōʻaiʻē kaulike kiʻekiʻe, ko lākou mau pōmaikaʻi, a pehea e kūpono ai i hoʻokahi.

He aha nā hōʻaiʻē kaulike kiʻekiʻe?

ʻO nā hōʻaiʻē kaulike kiʻekiʻe kahi ʻano moraki i hoʻolālā ʻia no ka poʻe ʻaiʻē ma nā wahi kumu kūʻai nui kahi i ʻoi aku ai ka waiwai o ka waiwai ma mua o nā palena hōʻaiʻē i hoʻonohonoho ʻia e Fannie Mae lāua ʻo Freddie Mac. Hoʻopili kēia mau hōʻaiʻē i ka ʻokoʻa ma waena o nā hōʻaiʻē conforming ajumbonā hōʻaiʻē, hāʻawi ʻana i nā huina hōʻaiʻē kiʻekiʻe aʻe me ka mālama ʻana i kekahi mau alakaʻi underwriting.

Pōmaikaʻi o nā hōʻaiʻē kaulike kiʻekiʻe

1. Nā palena hōʻaiʻē kiʻekiʻe: ʻO nā hōʻaiʻē kaulike kiʻekiʻe e hiki ai i nā mea hōʻaiʻē ke komo i ka nui o nā hōʻaiʻē ma mua o nā hōʻaiʻē conforming maʻamau, e hoʻolilo iā lākou i kūpono no nā wahi kiʻekiʻe.
2. Uku hoʻokūkū: ʻOiai ke hāʻawi nei lākou i ka nui o nā hōʻaiʻē, hele pinepine nā hōʻaiʻē kaulike kiʻekiʻe me nā uku hoʻokūkū hoʻokūkū hoʻohālikelike i nā hōʻaiʻē jumbo.
3. Kulike me na pomaikai aie: Hiki i nā mea hōʻaiʻē ke hauʻoli i nā pono o ka hoʻokō ʻana i nā hōʻaiʻē, e like me nā koi haʻahaʻa haʻahaʻa haʻahaʻa a me nā koina underwriting maʻalahi.

Pehea e kūpono ai no kahi hōʻaiʻē kaulike kiʻekiʻe

1. E nānā i nā palena hōʻaiʻē: He ʻokoʻa nā palena hōʻaiʻē koena kiʻekiʻe e ke kalana a ʻoi aku ka kiʻekiʻe ma nā wahi i koho ʻia. E nānā i nā palena no kou wahi e hoʻoholo ai i ka pono.
2. Helu aie: Pono ka helu ʻaiʻē maikaʻi. ʻOiai ʻoi aku ka maʻalahi o nā hōʻaiʻē kaulike kiʻekiʻe ma mua o nā hōʻaiʻē jumbo, hiki i ka helu ʻaiʻē kiʻekiʻe ke kōkua i ka hoʻopaʻa ʻana i nā huaʻōlelo maikaʻi.
3. Loaʻa a me ka hana: He mea koʻikoʻi ka loaʻa kālā paʻa a me ka mōʻaukala hana. Pono nā mea hāʻawi kālā i nā palapala e hōʻoia i kou hiki ke uku i ka hōʻaiʻē.
4. ʻAiʻe i ka loaʻa kālā: He mea koʻikoʻi ka mālama ʻana i kahi lakene haʻahaʻa ʻaiʻē i ka loaʻa kālā. ʻOi aku ka makemake o ka poʻe hāʻawi kālā i nā mea hōʻaiʻē i hiki ke mālama ʻia i kā lākou kālā.

Pōmaikaʻi o ke koho ʻana i kahi hōʻaiʻē kaulike kiʻekiʻe

1. Loaʻa i nā huina hōʻaiʻē kiʻekiʻe: Hāʻawi nā hōʻaiʻē kaulike kiʻekiʻe i ka loaʻa ʻana o nā hōʻaiʻē nui me ka ʻole o nā koi koʻikoʻi o nā hōʻaiʻē jumbo.
2. ʻOi aku ka maikaʻi o nā uku a me nā ʻōlelo: Loaʻa pinepine kēia mau hōʻaiʻē me ka uku pānaʻi maikaʻi a me nā huaʻōlelo i hoʻohālikelike ʻia me nā hōʻaiʻē jumbo, e ʻoi aku ka maʻalahi.
3. ʻoluʻolu: Hāʻawi nā hōʻaiʻē kaulike kiʻekiʻe i ka maʻalahi e pili ana i ka uku hoʻohaʻahaʻa a me nā koi hōʻaiʻē, e hiki ke loaʻa iā lākou i kahi ākea ākea o nā mea hōʻaiʻē.

Hiki i nā hemahema

1. ʻOi aku ka uku paneʻe: ʻOiai ʻoi aʻe ka hoʻokūkū ma mua o nā hōʻaiʻē jumbo, ʻoi aku ka nui o nā hōʻaiʻē kaulike kiʻekiʻe ma mua o nā hōʻaiʻē kūlike.
2. ʻOi aku ka ʻoi aku o nā koi: Hiki i nā mea hōʻaiʻē ke kū i nā koi underwriting koʻikoʻi ke hoʻohālikelike ʻia me nā hōʻaiʻē conforming maʻamau, ʻoi aku ka nui o ka hōʻoia kālā a me ka helu ʻaiʻē.

Ka hopena

He koho maikaʻi loa nā hōʻaiʻē kaulike kiʻekiʻe no ka poʻe hōʻaiʻē ma nā wahi kumu kūʻai nui e pono ai ka nui o ka hōʻaiʻē ʻoiai e pōmaikaʻi ana i nā uku hoʻokūkū a me nā ʻōlelo maʻalahi. Ma ka hoʻomaopopo ʻana i nā pono a me ka hoʻomākaukau ʻana i kāu palapala kālā, hiki iā ʻoe ke hoʻokele pono i ke kaʻina hana hōʻaiʻē kiʻekiʻe. E kūkākūkā mau me kahi mea hoʻolimalima moraki ʻike e ʻimi i kāu mau koho a hoʻopaʻa i nā huaʻōlelo maikaʻi loa no kāu kūlana kālā.