Wehe ʻana i ka ʻona home me nā hōʻaiʻē ʻoihana

ʻO ke kūʻai ʻana i home ma ʻAmelika Hui Pū ʻIa he moeʻuhane ia no nā mea he nui, akā ʻo ka hoʻokele ʻana i ka ʻāina moraki hiki ke manaʻo nui. ʻO ka pōmaikaʻi, ʻo AAA Capitalhoʻokomo kālā, Inc., ma o kāna mau moraki hou e like me ka'Ai'e 'Oihana, maʻalahi kēia huakaʻi. Kākoʻo ʻia e nā ʻoihana pilikuaFannie Maea me Freddie Mac, he'Ai'e 'Oihanahāʻawi i nā pono like ʻole, mekālā maʻalahiauku hoʻokūkū, e lilo ia i mea koho maikaʻi loa no nā mea kūʻai mua a me nā mea nona ka hale. Inā ʻoe e ʻimi nei i kahi hale ʻohana hoʻokahi ʻoluʻolu ma Los Angeles County a i ʻole kahi condominium hou, kū kēia huahana hōʻaiʻē ma ke ʻano he ala hilinaʻi i ka homeownership.

Ka pohaku kihi o kahi'Ai'e 'Oihanaʻo ia konakālā maʻalahinā koho. ʻAʻole like me nā hōʻaiʻē kuʻuna paʻa, pili kēia huahana me nā pono like ʻole o ka poʻe ʻaiʻē. No ka laʻana, hoʻohui ʻo AAA LENDINGS i nā papahana ʻo Fannie Mae maʻamau a me Freddie Mac Conforming a me High Balance Loan Programs i kāna mau makana. Hiki i nā mea hōʻaiʻē ke komo i nā hōʻaiʻē i kūpono i ko lākou kūlana kālā, inā paha lākou e koho ana i kahi hōʻaiʻē conforming i hoʻopaʻa ʻia i nā palena maʻamau a i ʻole kahi hōʻaiʻē kaulike kiʻekiʻe no nā mākeke pricier e like me Los Angeles. Hoʻohui, nā papahana e like me HomeReady a me HomePossible e mālama i ka poʻe me ka loaʻa kālā haʻahaʻa, e hāʻawi ana i ka maʻalahi o ka uku a hoʻemi ʻia nā kumukūʻai ʻinikua moraki. Mālama kēia adaptability i ka'Ai'e 'Oihanaʻaʻole ia he hoʻonā hoʻokahi wale nō akā he mea hana maʻamau no ka loaʻa ʻana o ka home.

ʻO kekahi hiʻohiʻona kūʻokoʻa ʻo ia kauku hoʻokūkūnakinaki iaʻO nā hōʻaiʻē ʻoihana. Ma kahi makeke kahi e loli ai ka uku paneʻe, ʻo ka loaʻa ʻana o kahi haʻahaʻa haʻahaʻa, hiki ke mālama i ka poʻe hōʻaiʻē he mau tausani i ke ola o kā lākou moraki. Wahi a Freddie Mac's Primary Mortgage Market Survey, ʻoi aku ka maikaʻi o nā kumukūʻai no ka hoʻokō ʻana i nā hōʻaiʻē i ka wā kahiko, ʻoi pinepine ʻia ma lalo o nā awelika mākeke maʻamau. No ka laʻana, i ka hoʻomaka ʻana o 2025, 30 mau makahiki i hoʻopaʻa ʻia nā moraki ma kahi o 6.2%, akā.ʻO nā hōʻaiʻē ʻoihanahāʻawi pinepine i nā kumukūʻai 0.25% a i 0.5% haʻahaʻa ma muli o kā lākou kūpaʻa kākoʻo aupuni. He mea hoʻololi pāʻani kēia affordability, ʻoi aku hoʻi i ka wā i hui pū ʻia me AAA LENDINGS' Government Down Payment Assistance (DPA) nā polokalamu e like me HOP80 a me HOP120, e hāʻawi ana i $100,000 a i ʻole $85,000, i mea e hōʻoluʻolu ai i ke kaumaha o ke kumu kūʻai.

Ma waho aʻe o kēia mau pōmaikaʻi,ʻO nā hōʻaiʻē ʻoihanaHoʻopili pololei me nā hana e like me ka papahana HOP o Los Angeles County, i hoʻolālā ʻia no nā hale noho mua ma nā wahi i hui ʻole ʻia a i ʻole nā ​​kūlanakauhale i komo. Me ke kumu kūʻai kiʻekiʻe loa o $700,000 no HOP80 a i ʻole $850,000 no HOP120, hiki i nā mea kūʻai ke hoʻohana i kahi'Ai'e 'Oihanae hoʻolimalima i nā waiwai e like me nā hale ʻohana hoʻokahi, condos, a i ʻole nā ​​hale kaona. ʻO ka uku hoʻopanee, 0% ukupanee lua i hāʻawi ʻia e DPA e hoʻonui hou aku i ka hiki ke loaʻa, e koi ana i ka uku ke kūʻai ʻia a ʻaʻole i noho ʻia ka hale. ʻO kēia synergy ma waenakālā maʻalahiauku hoʻokūkūʻaʻole kūʻai wale ka poʻe hōʻaiʻē i hale - ke hoʻopukapuka nei lākou i ka wā e hiki mai ana.

Hōʻike nā laʻana maoli i ka waiwai oʻO nā hōʻaiʻē ʻoihana. E lawe i kahi ʻohana ma Los Angeles County e kūʻai ana i $650,000 townhome. Ma ka hui ʻana i kahi'Ai'e 'Oihaname ka HOP80's $100,000 DPA, ua hoemi lakou i ko lakou kuleana mua i $550,000, e ho'opa'a ana i ka uku ho'okūkū 5.75% ma o AAA LENDINGS. Ma luna o 30 mau makahiki, mālama kēia iā lākou ma luna o $ 40,000 i ka uku hoʻohālikelike i ka hōʻaiʻē maʻamau maʻamau ma 6.25%. Hōʻike kēlā mau mālama kālā i ke kumuʻO nā hōʻaiʻē ʻoihanahe koho kiʻekiʻe loa no ka poʻe kūʻai ʻike kumukūʻai e ʻimi nei i ka maʻalahi a me ka waiwai.

I ka hopena, he'Ai'e 'Oihanamai AAA Capital Investment, Inc. ʻoi aku ia ma mua o ka moraki wale nō—he ʻīpuka ia i ke kūʻokoʻa kālā. Mekālā maʻalahii kūpono i kou pono auku hoʻokūkūka mea e mālama haʻahaʻa i nā kumukūʻai, hāʻawi kēia huahana i nā mea kūʻai aku e hoʻohuli i kā lākou mau moemoeā home i mea maoli. Inā ʻoe he mea kūʻai mua a hoʻonui paha i kahi waiwai kaulike kiʻekiʻe, ʻo ka'Ai'e 'Oihanahāʻawi i kahi hoʻonā naʻauao a hiki ke kūpono i ka mākeke ikaika o kēia lā.