Nūhou ʻOihana
ʻAʻohe Kaʻina Loaʻa a ʻAʻohe Hoʻololi Kūʻai: Nā ʻAiʻai Kaiaulu no nā mea kūʻai hale mua
Hiki ke loaʻa ka homeownership a hiki ke loaʻa me nā Loan Community i hoʻolālā ʻia noPapahanaNoho Wale. Hoʻopau kēia papahana i nā pale maʻamau ma ka hāʻawi ʻole ʻana i nā hoʻololi LLPA no ke kūʻai ʻana, ʻaʻohe palena kālā e like me nā papahana kōkua ʻē aʻe, a me ka hoʻokipa ʻana i nā mea kūʻai home mua. Me ka nānā ʻana i ke kūpaʻa a me ka hoʻokō ʻana, e hahai pono kēia mau hōʻaiʻē i nā alakaʻi alakaʻi ʻoihana, e hilinaʻi iā lākou no nā mea kūʻai aku a me nā mea hāʻawi.
Nā Pōmaikaʻi Nui oNā hōʻaiʻē kaiaulu
- Noho Pono
Hoʻopili ʻia nā hōʻaiʻē kaiāulu no nā mea kūʻai aku e hoʻolālā e noho i ka home ma ko lākou hale noho mua, e hōʻoiaʻiʻo ana i ka paʻa ʻana a me ka nānā ʻana i ka mana lōʻihi.
- ʻAʻohe hoʻololi LLPA no ke kūʻai ʻana
ʻAʻole like me nā koho moraki he nui, ʻaʻohe LLPA (Nā Hoʻololi Kūʻai Kūʻai Kūʻai) kēia papahana no ke kūʻai ʻana. Hiki i nā mea kūʻai ke hauʻoli i nā kumukūʻai hoʻokūkū a me nā kumukūʻai maʻalahi me ka ʻole o nā uku huna.
- ʻAʻohe palena loaʻa e like me nā polokalamu kōkua ʻē aʻe
ʻO kekahi o nā hiʻohiʻona koʻikoʻi o kēia papahana ʻaʻohe palena kālā. ʻAʻole like me nā papahana kōkua ʻē aʻe e kau nei i nā pāpale kālā, hiki ke loaʻa kēia koho hōʻaiʻē i nā mea kūʻai aku ma nā pae kālā āpau.
- Hoʻokipa ʻia nā mea kūʻai hale manawa mua
Hiki i nā mea kūʻai manawa mua ke hoʻohana pono i kēia polokalamu, me nā hōʻailona maʻalahi a me ka liʻiliʻi o nā pilikia i ka ʻona home.
- E hahai i nā alakaʻi alakaʻi
Hoʻopili paʻa kēia mau hōʻaiʻē iā Fannie Mae a me Freddie Mac alakaʻi, e hōʻoiaʻiʻo ana i ka hoʻokō, hilinaʻi, a me ke kaʻina hana ʻae ʻia. Mai ka hōʻoia ʻana i ka loaʻa kālā a hiki i ka loiloi waiwai, pili ka papahana me nā kūlana paʻa.
ʻO wai ka mea hiki ke pōmaikaʻi?
- Nā mea kūʻai hale mua: Inā kūʻai ʻoe i kou home mua, hāʻawi kēia papahana i ka maʻalahi me ka hoʻololi ʻole o LLPA a ʻaʻohe palena kālā.
- Nā mea kūʻai hou: ʻOiai ʻaʻole ʻoe he mea kūʻai manawa mua, hiki iā ʻoe ke kūpono inā ʻo ka home kou noho mua wale nō.
- Nā Agena a me nā mea hāʻawi kālā: ʻO kahi papahana maʻalahi e hahai ana i nā kūlana ʻoihana e hōʻoia i ka ʻike a me ke kaʻina hana maʻalahi.
Kupono Waiwai
Kākoʻo nā Loan Community i nā ʻano waiwai kūpono, me:
- 1 mau hale, PUD, a me 2-4 mau waiwai.
- Nā waiwai kūpono ʻole: Condos, nā hale i hana ʻia, a me ka ʻāina mahiʻai.
Me ka helu FICO liʻiliʻi o 620 a me nā koho hōʻaiʻē paʻa paʻa (15-makahiki a me 30-makahiki), hoʻomaʻamaʻa kēia papahana i ke kaʻina moraki me ka hōʻoia ʻana i ka ʻae ākea.
No ke aha e koho ai i nā hōʻaiʻē kaiāulu?
He kūpono nā hōʻaiʻē kaiāulu no nā mea kūʻai aku e ʻimi nei i ka hiki a me ka hiki. Ma ka hoʻopau ʻana i nā palena kālā a me nā hoʻoponopono LLPA no ke kūʻai ʻana, mālama nā mea kūʻai aku i nā kumukūʻai ʻoiai e hauʻoli ana i ka maʻalahi. Loaʻa i ka poʻe kūʻai hale manawa mua i ka hoʻomaʻamaʻa maʻalahi o kēia papahana, e hana ana i kahi ala maopopo i ka homeownership.
No ka poʻe ʻoihana waiwai, hāʻawi kēia mau hōʻaiʻē i kahi hopena hilinaʻi no nā mea kūʻai aku, pili pono me nā alakaʻi alakaʻi. Mālama ka papahana i nā kālepa maʻemaʻe, nā huaʻōlelo hoʻokūkū, a me ka loaʻa kālā kālā no ka lehulehu o nā mea kūʻai.
Ka hopena
Hoʻopau nā hōʻaiʻē kaiāulu i nā pale i ka ʻona home me nā pōmaikaʻi e like me ka ʻole o ka loaʻa kālā, ʻaʻohe hoʻololi LLPA no ke kūʻai ʻana, a me ka pono no nā mea kūʻai hale mua. Hoʻolālā ʻia no Primary Residence wale nō, hāʻawi kēia mau hōʻaiʻē i ke kūpaʻa, kūpono, a me ka hilinaʻi no nā mea kūʻai aku i ka mākeke hale o kēia lā.
E ʻike pehea e hiki ai i nā Loan Community ke hoʻolilo i kāu moeʻuhane no ka loaʻa ʻana o kahi home i ʻoiaʻiʻo—maʻalahi, hiki ke loaʻa, a me ka hoʻokō ʻana i nā alakaʻi alakaʻi.