08/14/2023

I. Ho'opa'a kālā ma kāu hō'ai'ē home mua
No nā mea hōʻaiʻē uku, ʻo ka loaʻa ʻana o kahi hōʻaiʻē home no ka manawa mua he hoʻoholo kālā nui.

ʻO ka huaʻōlelo "kūʻai hale mua" e pili ana i kekahi e kūʻai ana i kahi waiwai no ka manawa mua, a i ʻole nona ka waiwai i nā makahiki ʻekolu i hala.Inā he mea kūʻai hale mua ʻoe e hilinaʻi nui ʻia ma kāu mōʻaukala o ka ʻona waiwai.Eia kekahi mau loina hiki iā ʻoe ke hoʻohana no ka hoʻoholo ʻana i kou kūlana:

- ʻAʻole ʻoe i loaʻa i kekahi waiwai: Inā ʻaʻole ʻoe i kūʻai i kahi waiwai ma mua, ua manaʻo ʻia ʻoe he mea kūʻai hale mua.
- ʻAʻole ʻoe i loaʻa kekahi waiwai i nā makahiki ʻekolu i hala iho nei: ʻOiai inā ua loaʻa iā ʻoe kahi waiwai ma mua, inā ua ʻoi aku ma mua o ʻekolu makahiki mai kou kūʻai ʻana aku i ka waiwai, hiki ke noʻonoʻo ʻia ʻoe he mea kūʻai home no ka manawa mua.
- Ua loaʻa wale iā ʻoe ka waiwai me kāu wahine i ka wā ma mua: Inā ua male ʻoe a ua hui pū ʻoe i kahi waiwai me kāu wahine, akā ua male kāne ʻoe i kēia manawa a ʻaʻohe waiwai iā ʻoe iho, e manaʻo ʻia ʻoe he mea kūʻai home no ka manawa mua.

Hiki i nā hoʻolālā kūpono ke kōkua iā ʻoe, ma ke ʻano he mea hōʻaiʻē uku, mālama kālā:
E koho i ke ʻano hōʻaiʻē kūpono: ʻO nā hōʻaiʻē i kākoʻo ʻia e ke aupuni, e like me nā mea mai ka Federal Housing Administration (FHA) a me Veterans Affairs (VA), he mau haʻahaʻa haʻahaʻa haʻahaʻa haʻahaʻa a emi ʻole nā ​​koi uku.Hoʻohui hou, loaʻa iā AAA LENDINGS kahi huahana i hoʻolālā ʻia no nā limahana kūʻai hale - WVOE.
Pono ʻoe i kahi palapala WVOE no ka helu ʻana i ka loaʻa kālā kūpono, me ka pono ʻole o nā palapala kālā ʻē aʻe.ʻO kēia maʻalahi e hoʻohiwahiwa iā WVOE.Eia kekahi, ʻaʻole like me nā papahana ʻē aʻe, ʻaʻole koi ʻo WVOE i nā mea noi e loaʻa nā waiwai nui.Nā kikoʻī➡Papahana WVOE

E mālama i ka helu'ai'ē maika'i: He hopena pololei kāu helu'ai'ē i ka uku panee o ka hō'ai'ē.Hiki i nā mea noi me nā helu hōʻaiʻē kiʻekiʻe ke loaʻa i nā kumukūʻai haʻahaʻa haʻahaʻa, hiki ke mālama iā ʻoe i ke kālā nui i ka wā hōʻaiʻē.

E ʻimi i kahi luna hōʻaiʻē ʻoihana: Hiki i nā ʻōlelo aʻo ʻoihana ke mālama pinepine iā ʻoe i ke kālā mai nā ʻano like ʻole.

E hoʻohana i ka hoʻonaʻauao hōʻaiʻē a me nā lawelawe ʻōlelo aʻoaʻo: Hāʻawi nā hui ʻokoʻa ʻole a me nā keʻena aupuni i nā lawelawe hoʻonaʻauao ʻaiʻē manuahi a haʻahaʻa paha.Hiki i kēia mau lawelawe ke kōkua iā ʻoe e hoʻomaopopo i nā ʻano like ʻole o nā hōʻaiʻē, e like me ka uku pānaʻi, nā uku, nā ʻōlelo hōʻaiʻē, etc.
II.Nā mea e hoʻomaopopo ai i ka hana hōʻaiʻē
I ka wā o ke kaʻina hana hōʻaiʻē, e noʻonoʻo pono i kēia mau mea:

E hana mua i ka ʻae ʻana i ka hōʻaiʻē maikaʻi: E kōkua ka ʻae ʻana i ka hōʻaiʻē iā ʻoe e hoʻomaopopo i ka nui o ka hōʻaiʻē a me ka uku panee hiki ke kōkua ma mua, hiki ke kōkua iā ʻoe e wehewehe i kāu kālā a hana i kahi hoʻolālā kūʻai home kūpono.
E noʻonoʻo i ka manawa hōʻaiʻē: E pili ana ka lōʻihi o ka manawa hōʻaiʻē i ka nui o ka uku ʻana i kēlā me kēia mahina a me ka nui o ka uku ukupanee.He mea nui e koho i ka manawa hōʻaiʻē kūpono e pili ana i kāu kūlana kālā.
E hoʻomaopopo i nā ʻōlelo a pau: Ma mua o kou kau inoa ʻana i ka ʻaelike hōʻaiʻē, e hoʻomaopopo a ʻae i nā ʻōlelo a me nā kūlana āpau i mea e pale aku ai i nā pilikia pono ʻole ma hope.

III.Nā papahana hōʻaiʻē kūpono
No nā mea hōʻaiʻē uku, ma kahi o kā mākou papahana WVOE, loaʻa iā mākou kahi QM Community Loan hiki ke kōkua, ʻaʻole i kaupalena ʻia i nā mea kūʻai hale mua:

- Hoʻokuʻu ʻia nā hoʻoponopono helu āpau (Freddie Mac wale nō), me ka ʻole o 2-4 mau waiwai a me nā condo i hoʻopili ʻia;
- ʻAʻohe Haʻawina Hoʻonaʻauao Pono;
- Hiki iā ʻoe ke loaʻa i kekahi mea hōʻaiʻē;
- ʻAʻohe palena kālā;
- Noho Pono wale nō.
Nā kikoʻī➡QM Community Loan

ʻO nā mea a pau, no ka poʻe hōʻaiʻē uku, ʻaʻole hiki ke loaʻa kahi hōʻaiʻē home ma ʻAmelika Hui Pū ʻIa.I ka wā e hana ai ʻoe i nā hoʻolālā kūpono, hoʻomaopopo a hoʻohana i nā kumuwaiwai āpau i loaʻa, hiki iā ʻoe ke hoʻokō kūleʻa i kāu moeʻuhane no ka homeownership.

ʻŌlelo: Ua hoʻoponopono ʻia kēia ʻatikala e AAA LENDINGS;Ua lawe ʻia kekahi o nā kiʻi mai ka Pūnaewele, ʻaʻole i hōʻike ʻia ke kūlana o ka pūnaewele a ʻaʻole hiki ke paʻi hou ʻia me ka ʻole o ka ʻae ʻia.Aia nā pilikia ma ka mākeke a pono e makaʻala ke kālā.ʻAʻole kēia ʻatikala i ka ʻōlelo aʻoaʻo pilikino pilikino, ʻaʻole hoʻi e noʻonoʻo i nā pahuhopu waiwai kikoʻī, kūlana kālā a i ʻole pono o nā mea hoʻohana pākahi.Pono nā mea hoʻohana e noʻonoʻo inā kūpono nā manaʻo, nā manaʻo a i ʻole nā ​​manaʻo i loko o kēia i ko lākou kūlana.E hoʻolilo e like me kou pilikia.