Nūhou ʻOihana
Pehea e ʻae ʻia ai nā helu FICO haʻahaʻa no nā hōʻaiʻē Jumbo
No nā mea kūʻai hale he nui, ʻo ka manaʻo o ka hoʻopaʻa ʻana i kahi hōʻaiʻē Jumbo me kahiFICO haahaaʻIke ʻia ka helu he hana paʻakikī. Hoʻopili pinepine ʻia nā hōʻaiʻē Jumbo me nā koi ʻaiʻai koʻikoʻi, akā mahalo i ka Low FICO ok no Jumbo Loan Program, hiki i nā mea hōʻaiʻē me nā helu ʻaiʻē haʻahaʻa ke kūpono i kēia mau hōʻaiʻē waiwai kiʻekiʻe.
Hoʻohana ʻia kahi hōʻaiʻē Jumbo no nā waiwai i ʻoi aku ma mua o nā palena hōʻaiʻē maʻamau. ʻOi aku ka nui o kēia mau hōʻaiʻē a koi pinepine i ka mōʻaukala hōʻaiʻē ikaika. Eia nō naʻe, ʻae ka Low FICO ok no Jumbo Loan Program i nā poʻe me nā helu FICO haʻahaʻa e kūpono i kahi hōʻaiʻē Jumbo me ka ʻole o ka hoʻokō ʻana i nā koi o ka helu ʻaiʻē kiʻekiʻe.
ʻO ka hiʻohiʻona nui o kēia polokalamu ʻo ia ka maʻalahi. ʻOiai ʻo ka nui o nā polokalamu hōʻaiʻē Jumbo maʻamau e koi i ka helu ʻaiʻē ma ka liʻiliʻi he 700 a ʻoi aku paha, hiki i ka Low FICO ok no Jumbo Loan Program ke ʻae i nā helu ʻaiʻē ma nā 600s. Hāʻawi kēia i kahi manawa kūpono no ka poʻe i loaʻa i nā pilikia kālā i ka wā ma mua, e like me nā pili kālā olakino, nele i ka hana, a i ʻole nā pilikia ʻē aʻe, akā aia i kēia manawa i kahi kūlana kālā ʻoi aku ka ikaika.
Ma waho aʻe o nā helu haʻahaʻa FICO, nānā nā mea hāʻawi kālā i ka Low FICO ok no Jumbo Loan Program i nā mea koʻikoʻi ʻē aʻe, e like me ka ratio o ka mea hōʻaiʻē i ka loaʻa kālā, mālama kālā, a me ka uku. I kekahi mau hihia, hiki i ka uku hoʻohaʻahaʻa nui ke uku no ka helu ʻaiʻē haʻahaʻa, e kōkua ana i ka poʻe hōʻaiʻē e hoʻopaʻa i ka Jumbo Loan e pono ai lākou no ke kūʻai ʻana i hale kūʻai ʻoi aku ka nui.
No nā mea kūʻai hale me nā helu FICO haʻahaʻa, ʻo ka haʻahaʻa FICO ok no ka Jumbo Loan Program he ala maikaʻi loa ia e acKEIAs kālā no nā hale nani a i ʻole nā waiwai waiwai. ʻO nā alakaʻi maʻalahi o ka papahana a me ka nānā ʻana i ke kūlana kālā holoʻokoʻa o ka mea hōʻaiʻē e maʻalahi i nā poʻe ke kūpono i kēia mau hōʻaiʻē nui, ʻoiai me nā pilikia hōʻaiʻē i ka wā i hala.
I ka hopena, hāʻawi ka haʻahaʻa FICO ok no ka Jumbo Loan Program i ka manaʻolana i nā poʻe nona ka home i hiki ʻole ke hoʻokō i nā koi o ka helu ʻaiʻē kuʻuna no Jumbo Loans. Ma ka noʻonoʻo ʻana i nā mea ma mua o ka helu haʻahaʻa FICO, wehe kēia papahana i nā puka i ke kālā i hiki ʻole ke loaʻa i nā poʻe he nui. Inā ʻoe ma ka mākeke no kahi home waiwai nui a loaʻa kahi helu FICO haʻahaʻa, hiki i kēia polokalamu ke lilo i mea hoʻonā maikaʻi loa no ʻoe.