Ke hopohopo nei paha ʻoe e pale paha kāu helu ʻaiʻē iā ʻoe mai ke kūpono ʻana i kahi moraki? Mai ʻae i ka helu FICO haʻahaʻa e hoʻopaʻa iā ʻoe mai ka hoʻokō ʻana i kāu moeʻuhane no ka ʻona home. Ma AAA LENDINGS, hoʻolalelale mākou i ke kōkua ʻana i nā mea hōʻaiʻē me nā helu ʻaiʻē haʻahaʻa e hoʻopaʻa i nā hoʻonā moraki hiki ke kūpono i ko lākou pono.

He aha ka FICO Scores?

ʻO nā helu FICO, i hoʻomohala ʻia e ka Fair Isaac Corporation, he ʻano helu ʻaiʻē i hoʻohana ʻia e nā mea hāʻawi kālā e loiloi i ka pono o ka poʻe ʻaiʻē. Hoʻokumu ʻia kāu helu FICO ma nā kumu like ʻole, me kāu mōʻaukala uku, ka hoʻohana ʻana i ka hōʻaiʻē, ka lōʻihi o ka mōʻaukala aie, nā moʻolelo hōʻaiʻē hou, a me nā ʻano o ka hōʻaiʻē i hoʻohana ʻia. Loaʻa nā helu FICO mai 300 a 850, me nā helu kiʻekiʻe e hōʻike ana i ka ʻoi aku ka maikaʻi o ka hōʻaiʻē.

Nā Luʻi o nā helu FICO haʻahaʻa

ʻO ka loaʻa ʻana o ka helu FICO haʻahaʻa hiki ke hoʻolilo iā ia i mea paʻakikī i ke kūpono no kahi moraki. Hiki i nā mea hāʻawi kālā ke nānā i nā helu hōʻaiʻē haʻahaʻa ma ke ʻano he pilikia kiʻekiʻe aʻe, e alakaʻi ana i ka uku ukupanee kiʻekiʻe, ʻoi aku ka paʻakikī o ka pono, a i ʻole ka hōʻole hōʻaiʻē. Eia naʻe, ʻo ka loaʻa ʻana o ka helu ʻaiʻē haʻahaʻa ʻaʻole ia he manaʻo ʻaʻole hiki iā ʻoe ke kūpono no kahi moraki. Aia kekahi mau koho e kōkua iā ʻoe e hoʻokō i kāu mau pahuhopu homeownership.

ʻO nā mea hoʻoponopono moraki no nā helu FICO haʻahaʻa

Nā hōʻaiʻē FHA

ʻO nā hōʻaiʻē FHA (Federal Housing Administration) he mau hōʻaiʻē i kākoʻo ʻia e ke aupuni i hoʻolālā ʻia e kōkua i ka poʻe ʻaiʻē me nā helu hōʻaiʻē haʻahaʻa a i kaupalena ʻia nā kālā uku. Me kahi hōʻaiʻē FHA, hiki iā ʻoe ke kūpono no kahi moraki me ka helu ʻaiʻē ma lalo o 500, ma muli o nā koi o ka mea hāʻawi. Hāʻawi nā hōʻaiʻē FHA i nā koina kūpono kūpono a me nā kumukūʻai hoʻokūkū hoʻokūkū, e hoʻolilo iā lākou i koho maikaʻi no nā mea hōʻaiʻē me nā helu ʻaiʻē haʻahaʻa.

Na Waiwai VA

Loaʻa nā hōʻaiʻē VA (Department of Veterans Affairs) i nā poʻe kahiko kūpono, nā lālā lawelawe hana, a me nā kāne e ola ana. Hāʻawi nā hōʻaiʻē VA i nā pono he nui, me ka ʻole o ka uku uku, nā uku uku hoʻokūkū, a me nā koi ʻaiʻai liʻiliʻi. ʻOiai ʻaʻohe koi helu ʻaiʻē liʻiliʻi no nā hōʻaiʻē VA, makemake ka hapa nui o nā mea hōʻaiʻē i nā mea hōʻaiʻē me ka helu ʻaiʻē o 620 a ʻoi aku paha.

Nā hōʻaiʻē USDA

Kākoʻo ʻia nā hōʻaiʻē USDA (United States Department of Agriculture) e ka USDA a ua hoʻolālā ʻia e kōkua i ka poʻe hōʻaiʻē haʻahaʻa a me ka haʻahaʻa ma nā kuaʻāina a me nā ʻāpana kūloko e hoʻokō i ka home. Hāʻawi nā hōʻaiʻē USDA i nā kumukūʻai hoʻokūkū hoʻokūkū, ʻaʻohe koi uku hoʻohaʻahaʻa, a me nā koi ʻaiʻai maʻalahi. ʻOiai ʻaʻohe koi helu hōʻaiʻē liʻiliʻi no nā hōʻaiʻē USDA, makemake ka hapa nui o nā mea hōʻaiʻē i nā mea hōʻaiʻē me ka helu ʻaiʻē o 640 a ʻoi paha.

ʻAʻole QM hōʻaiʻē

ʻO nā hōʻaiʻē Non-QM (Non-Qualified Mortgage) he mau koho moraki ʻē aʻe i kūpono ʻole i nā koina i hoʻonohonoho ʻia e nā hui kākoʻo aupuni e like me Fannie Mae a i ʻole Freddie Mac. Hāʻawi kēia mau hōʻaiʻē i nā mea hōʻaiʻē me nā kūlana kālā kūʻokoʻa, me ka poʻe hana pilikino, nā mea hoʻopukapuka kālā, a me ka poʻe me nā pilikia hōʻaiʻē. Hāʻawi nā hōʻaiʻē non-QM i nā koina kūpono a hiki ke noʻonoʻo i nā mea ma mua o nā helu hōʻaiʻē, e like me ka loaʻa kālā a me nā waiwai.

No ke aha e koho ai i AAA LENDINGS?

Ma AAA LENDINGS, maopopo iā mākou he kū hoʻokahi ke kūlana kālā o kēlā me kēia kanaka. ʻO ia ke kumu mākou e hāʻawi ai i kahi ākea o nā hoʻonā moraki i kūpono i kāu pono pilikino, me nā koho no nā mea hōʻaiʻē me nā helu ʻaiʻē haʻahaʻa. Me ko mākou akamai a me ke ala pilikino, e hana pū mākou me ʻoe e ʻimi i ka hopena moraki kūpono e kūpono i kāu kālā a me kāu mau pahuhopu. E hoʻokaʻaʻike mai iā mākou i kēia lā e aʻo hou a lawe i ka hana mua i ka ʻona home, ʻoiai me ka helu FICO haʻahaʻa.

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 kāu pilikia.