Muverengi anobvunza kuti: "Ndiri kufarira kuita zvishoma kutsva asi ndinonzwa kunotyisa nhau pamusoro pezvenguva dzinosanganiswa.Vamwe vanhu vandinoziva vanga vachiita zvishomanana kutengesa kwegore rinopfuura.Ndakaudzwa kuti zvinogona kutora makore akawanda kuti ndiwane kutengeswa kwangu pfupi kwakagamuchirwa.Iyo inoratidzika yakareba kwenguva refu pasina chikonzero chakanaka.
Mhinduro: Nzira iyo inonyanya kushambadzira vatengesi vanofanotaurira nguva yekutengeswa kwako pfupi ndeyokutanga kutarisa ruzivo rwekwereti yako. Rudzi rwechikwereti chaunazvo uye wako chikwereti chako chichaisa danho rekutengeswa kwako kwenguva pfupi. Iwe ungasayeuka mhando yemari yako yawakatora pakutanga. Iwe unogona kutenga chikwereti kunogona kuva:
- Chikwereti chinowanikwa
- Chikwereti cheFHA
- A VA chikwereti
- Chikwereti cha Fan Fan
- Mari yechikwata cheFreddie Mac
Mukuwedzera, zvimwe uri kubhadhara chikwereti zviviri kana zvitatu? Zvichida chikwereti chako chinotora chikwereti chekutengesa mari ? Zvose izvi zvinokanganisa kumira kwekutengeswa kwenguva pfupi uye kuwedzera pamusoro pekutengeswa kwako kwenguva pfupi.
Nheyo Yenheyo yekutengesa Pfupi Kubvumirwa
Nhanho yekutanga yekutengesa kutsva ndeyekuunganidza zvose nekuda kwepapa mapepa. Ndinoda kutora mapepa emakambani angu mberi. Izvi zvinosanganisira magwaro anotevera anotevera:
- Makore maviri apera 'emitero inodzoka
- Last 2 W2s / 1099s
- Last 2 bank statements
- Last 2 payroll stubs
- Statement yemari kana 1126
- Fomu 4506
- Zvinyorwa uye dated tsamba dambudziko
Mabhandi angada kukumbira mamwe mapepa, asi anenge mabhanga ose anobvunza zvinyorwa zvataurwa pamusoro apa. Ndinoshandisa magwaro iwayo mufaira rePDP, ndichicherechedza nhamba yembairo pamapeji ose.
Zvadaro tinopinda mazita ekunyorwa kwechibvumirano, kubudiswa uye kubvumirwa kwechitatu, izvo zvinondibvumira kutaura nemabhengi ezvitengesi.
Ndinopfura mifananidzo yeimba, ndinotungamira mushandi wangu kuona kuongorora uye kuisa bhokisi.
Munharaunda yangu ye Sacramento, kubva panguva iyo inongororwa inopinda MLS kusvika panguva yechipikirwa chinogamuchirwa chero ipi zvayo kubva pamasvondo maviri kusvika matatu kusvika kumavhiki maviri kusvika ku3. Kana imba yacho iri mune imwe nzvimbo yakanyatsogadziriswa, inogona kutora mamwe mazuva 60 kusvika ku90 tisati tawana chipo chinogamuchirwa.
Kana imwe nguva kupiwa kugamuchirwa uye kusayinwa, ndinoitumira kubhangi, pamwe chete neatengesi yekutengesa pfupi uye yeHUD yakagadzirirwa. Kubva panguva iyo kusvika panguva yekubvumirwa nekutsvaga kwekutsvaga, muvhareji wenguva yakareba mazuva anenge 60 kusvika ku90.
Izvi zvinoreva mazuva makumi matatu kuti vatengese + mazuva makumi matanhatu kuti vagamuchirwe + mazuva makumi matatu ekuvhara kukwidza = mwedzi mina, paavhareji.
Zvinokonzera Kutengesa Pfupi Kuderera muNzendo
Imwe yezvinetso zvikuru pane zvatinoona mukutengesa kwemazuva ano ndevatengi vasati vazvipira kune pfupi yekutengesa nzira . Nemhaka yokuti yakawanda yenguva yacho haisati yazivikanwa, inogona kuita kuti mutengi anzwe asina kuchengeteka. Kutengeswa kwenguva pfupi nhengo yegurisa kunogona kupa kuverenga kunodzidziswa, asi kana mutengi wemutengesi anonzwisisa kuti kushambadzira kwenguva pfupi kune chikamu chepasi. Kana mutengi wemutengesi asingakwanisi kutarisira zvinotarisirwa nemutengesi uye asingazivi nzira yekutsanangurira nguva shoma yekutengesa kune mutengi, mutengi uyu anogona nyore nyore kubuda.
Haisi mhosva yemutengesi.
An-out-of-control and a frustrated buyer is a buyer who is about tocel the short sale transaction. Aya marudzi evatengi haadi kutarisira kutengesa kutsva kwekutengeswa . Vachapedza uye vopinda mune imwe shandiso shoma dzekutengesa, iyo inotanga hovha yekare kutora zvakare. Ita kuti iwe unetseke sei.
Imwe dambudziko nderokuti kumirira kwenguva shoma yekutengesa kunopa vatengi nguva yakawanda yekufunga nezvekutenga kutengesa kutsva . Kana vaitenga kutengeswa kwetsika, panguva yavakasarudza kuti havadi musha, vaivenga vavakidzani uye vaida kuti vaisazombotarisa panzvimbo iyo, mutengesi waizovharwa. Asi kutengesa kwenguva pfupi kunotora nguva yakareba zvokuti vatengi vane nguva yakawanda yekufungisisa zvese zvisina kukodzera uye zvinokanganisa. Dzimwe nguva, dzinokudziridza tsoka dzinotonhora .
Ndakatengesa mutengesi kushambadzira pfupi kwaakapikira pakutanga pakutanga kwaiva kurota kwake kumba.
Akanga ane tsamba yekugamuchirwa uye uyo akwereta akanga ari pedyo nekudhinda zvinyorwa. Asi kuongororwa kwaiva $ 20,000 kuderera kupfuura mutengo wekutengesa nokuti pane vashomanana kutengesa munharaunda iyoyo. Murairidzi aifanira kutarisa kunze kwenzvimbo yekutengesa zvakafanana . Akashandisa kutengesa kwakanga kusiri kutengesa zvakafanana . Mutengi aitya kukosha kwemusha kwakawira panguva yake yemazuva makumi matatu ekufamba nguva ne $ 20,000, uye akasununguka.
Panzvimbo yekufara kuti bhangi rakamanikidzwa kuderedza mutengo weimba yake ne $ 20,000, mutengi akaregesa kutengesa kutsva. Akange asina kugadzirira kutenga imba. Kwete mutengi wose akagadzirira kutenga imba .
Kana izvi zviitiko zvezviitiko zvikaitika uye mutengi achirayira, nguva yekutengeswa kwenguva shoma inotanga kupfuura. Ichi ndicho chikonzero chinhu chinonyanya kukosha chaunogona kuita mukutengeswa pfupi ndekuchengetedza mutengi akadzidziswa, anobatanidzwa uye anofara.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.