No ke aha he kūpono loa ka hōʻaiʻē kaiāulu QM no kou home mua

Mākaukau ʻoe e komo i ka homeownership? ʻO kaQM Community Loanmai AAA Capitalhoʻokomo kālā, Inc. hiki iā ʻoe ke kī i ka wehe ʻana i kēlā moeʻuhane, ʻoiai inā he mea kūʻai mua ʻoe e ʻimi ana i kahiPapahanahale noho wale. Hoʻopili ʻia kēia huahana moraki e maʻalahi i ke kaʻina hana, hāʻawiʻaʻohe hoʻololi no ke kūʻaia hoʻokipanā mea kūʻai hale muame na lima hamama. E luʻu kākou i ke ʻano o kēiaʻAiʻē Kaiāulukū kaʻawale, hoʻohui i ka hilinaʻi i kākoʻo ʻia e ka ʻoihana me nā hiʻohiʻona hoʻolimalima.

ʻO kaQM Community Loankūkulu ʻia a puni ka manaʻo ohale noho mua wale noka noho ʻana, e like me ka mea i hōʻike ʻia ma ka Matrix. 'O ia ho'i, ua ho'olālā 'ia no ka po'e makemake e noho i ko lākou home—'a'ole e ho'ololi a ho'olimalima paha. E noʻonoʻo iā John, he mīkini 32 makahiki ma Michigan. Ua hoʻohana ʻo ia i kahiʻAiʻē Kaiāulue kūʻai i hale ʻoluʻolu 1-unit i ka makahiki i hala. Me ka LTV kiʻekiʻe o 97% a me kahi koho paʻa paʻa 30 makahiki, ua hoʻopaʻa ʻo ia i ke kālā me ka liʻiliʻi o ke kālā mua. ʻO ka nānā ʻana i nā hale noho mua e hōʻoia i ka poʻe ʻaiʻē e like me John e kūkulu i nā aʻa, e hoʻoikaika i nā kaiāulu kūloko-hoʻokahi home i ka manawa.

No ka meanā mea kūʻai hale mua, ʻālohilohi kēia hōʻaiʻē. ʻAʻohe palena i ka nui o nā mea hoʻomaka mua e hiki ke noi, a ua ʻae ka Matrix i nā kamaʻāina US, nā kamaʻāina mau, a me nā poʻe noho manawaleʻa e kūpono. Eia kekahi, me ka FICO liʻiliʻi o 620, hiki ke loaʻa i ka poʻe e kūkulu nei i kā lākou hōʻaiʻē. E lawe iā Maria, he kahu hānai ma Nevada, ʻaʻohe ona hale ma mua. Ua koho ʻo ia i kahiQM Community Loana mahalo i kaʻaʻohe hoʻololi no ke kūʻaihiʻohiʻona, ka mea i mālama i kāna uku panee paʻa. Ma muli o nā alakaʻi alakaʻi, ua maʻalahi kāna kaʻina hana hōʻaiʻē, me nā hopena AUS e alakaʻi ana i ke ala.

ʻO kaʻaʻohe hoʻololi no ke kūʻaiʻO ka perk kahi pōhaku huna. ʻAʻole like me kekahi mau hōʻaiʻē e hoʻololi i nā uku a i ʻole nā ​​​​uku e pili ana i ke kumu hōʻaiʻē, kaʻAiʻē Kaiāulumālama mau i nā mea no ke kūʻai ʻana, hoʻihoʻi kālā, a i ʻole nā ​​​​koho i waho. He pōmaikaʻi kēia wānana no nā mea kūʻai kālā. Hoʻohui ʻia me nā palena hōʻaiʻē ʻoihana a me kahi $4,500 i hoʻopaʻa ʻia, he koho kūpono no nā waiwai e like me nā PUD a i ʻole 2-4 mau hale. Eia nō naʻe, e hoʻokele i nā waiwai kūpono ʻole e like me nā condotels a i ʻole ʻāina mahiʻai, ʻoiai ʻo ka Matrix ka mea nui i nā ʻano noho maʻamau.

Mai ka waivers appraisal a hiki i ka paʻa paʻa, kaQM Community Loanhoʻoikaikanā mea kūʻai hale muae koi i ko lakouhale noho mua wale nome ka hilinai. ʻOi aku ia ma mua o kahi hōʻaiʻē—he kahua ia no kou wā e hiki mai ana.