Tsvaga kuti ungawana sei Home Affordable Refinance Program yako yekugadziriswa
Muverengi anobvunza kuti: "Takaedza kutora chikwereti chekubhadhara chikwereti, asi Wells Fargo vakati hatina kukodzera.Tine chikwereti chine chokuita nekugadzirisa zvakare, kubva kune imwe chikwereti chine chikwereti chakakwana chekugadziriswa zvizere mumwedzi mitanhatu. isu tinokwanisa kuwana mari iyo isu tisingadi kutengesa nekutengeswa pfupi nokuti hatidi kuti mwanasikana wedu achinje zvikoro.Ndiri kunzwa tinogona kubhadhara chikwereti chedu nemutero mutsva pasi pechirongwa cheMutungamiri Obama wekunatsiridza. Ndakanga ndisiri pasi munzira yekutarisira, kuyambuka minwe yedu nekurasikirwa nehope pamusoro pekubhadhara mari kwemakore mashanu apfuura, Handizivi kana ndikagona kuitora zvakare.Chiiko chakashata neIndaneti Affordable Refinance Program? iyo? "
Mhinduro: Mitemo yeHARP inonyanya kukwana. Muchidimbu, hurumende inopa maitiro maviri kuburikidza nekugadzirisa kwekumba. Izvo zvingasarudzwa ndezvi:
- Mari yechigadziriswa kuburikidza nekugadzira Iko Kunogadzirika
- HARP kuburikidza nekugadzira imba inoshandiswa
Mhedzisiro yakakosha pakati pemapurogiramu maviri ndeyekuti kugadziriswa kwemari chikwereti kune vanhu vane dambudziko rezvemari, uye HARP ndeyevatengesi vasina kukodzera kugadziriswa kwemari chikwereti nokuti havana dambudziko rezvemari.
Nzira Yokufanirwa Sei neHARP
HARP mitemo yekodzero haisi yakarurama sezvinotevera:
- Mari yako inofanira kunge yakaitwa naFannie Mae kana Freddie Mac. Mimwe mhando dzezvikwereti hazvikodzeri HARP. Unogona kutarisa chikwereti chako paIndaneti kuti uone kana chakachengetwa naFannie Mae kana Freddie Mac nokuenda kune chikwereti chekukweretesa chikwereti paIndaneti Inoshandiswa website.
- Chikwereti chako chinofanira kunge chakatanga pamberi paJune 1, 2009.
- Chikwereti chako chekubhadhara chikamu chinofanira kudarika 80 muzana.
- Iwe unofanirwa kunge uripo pane zvekubhadhara kwako, usina kana imwe chete yekubhadhara kwakapera mumwedzi 12 yapfuura.
- Kunze kwehwindo duku risina kubviswa, haugoni kushandisa HARP munguva yakapfuura.
HARP Facets
Zvimwe zvikonzero zvinoita kuti muridzi weimba aizotsvaga HARP ndechokuti muridzi weimba anoda kuchengeta imba uye haagoni kuwana kugadziriswa kwemari chikwereti .
Varidzi vepamba vanozofarira kuita zvishomanana kutengesa kazhinji havashandisi HARP.
- Purogiramu yekunatsiridza haina mhedziso pane chikwereti chemari kana chikwereti chako chiripo chinogadziriswa. Hakuchina kapu.
- Ikoko pane zvishoma, zvishoma, mari-inokurudzira. Kazhinji kungovhara mari chete kunogona kuwedzerwa kune chikwereti chako kuti uwedzere mararamiro ayo.
- Iwe unogona kubvisa chikwereti kubva kuchikwereti chinokonzera kana iyo yakasara yakwereta inogona kuratidza mhemberero yekubhadhara. Izvi zvaizoshanda kuti zvive zvakakodzera kurambana nemudzimai .
- Iwe unogona kuwedzera chikwereti kune chikwereti, kupa iyo chikwereti chitsva chinogona kukodzera.
- Iwe unogona kugadziridza kana iwe wakaisa chikwereti chero bedzi kubhadhara yakabudiswa kwemwedzi inopfuura 12 yapfuura, uye iwe wakanga uri kugara ikozvino pabhadharo yako yekubhadhara kubva iko.
- Kunze kwechimwe chirongwa cheHARP, chikamu chiduku chekwereti uye chikwereti chikwereti hachidiwi.
HARP Matambudziko Anotsanangurwa
Dambudziko rimwechete rinotambudza zvikwereti zvekubhadhara chikwereti HARP. Kutanga, havasi vanhu vakakwana vanofanirwa kubatsirwa, zvinoreva kuti mirayiridzo haina kukodzera vanhu vakawanda.
- Dambudziko guru nderokuti purogiramu haina kuderedza bharani guru. Ichokwadi, inogadzirisa chikwereti chikuru.
- Iwe ucharamba uchibhadhara mortgage inshuwarisi kana iwe uchikwereta iko zvino. Kunyange zvazvo kubhadhara kwako kunogona kuderera nekuda kwechikwata chechidiki, mutero wako unogonawo kukwira, zvakare. Zvisinei, mirayiridzo yaFannie Mae inotaura kana iwe usina mari yekutengesa inshuwarheni kare, iwe haugoni ikozvino.
- Iwe haugoni kupa kana kubhadhara chikwereti chechikwereti chechipiri chekwereti kana chikwereti chekukwereta kumusha kuburikidza neH HARP. Chinhu chakanakisisa chaungaita ndechokupa chikwereti chechipiri kuisa pasi, zvinoreva kuramba uri muchipiri. Asi pane zvishoma zvinokurudzira kune wechipiri chikwereti kubvumirana. Sei chikwata chechipiri chichida kuisa pangozi nzvimbo yayo uye kumira mumvura isina chakanaka kunyange kupfuura?
- Iwe unogona kuchinja rudzi rwako rwechikwereti kuti uwane. Mitemo inosiyana nehurumende. MuCalifornia, somuenzaniso, vatengesi vanogadziridza vari kuchinja mazwi ekubhadhara mari yavo kubva pakutenga mari kuti vawane mari yakaoma . Mari yakaoma inogona kukwereta kune akakwereta kutonga kana zvichiitika.
Kazhinji, kutenga mari yechikwereti hazviregi kutora muCalifornia. Kana iwe waizopinda kuburikidza nekutsanangurira pasi mumugwagwa, kana zvikwereti zvako zvakaramba zviripo kutenga mari, unogona kudzivirirwa kubva pamutoro wega muCalifornia. Kurwisana kubva pakunatsiridza, sekuwana kodzero yekutsvaka kukanganisa kururamisira kana zvichiitika, zvinogona kunge zvakakura zvikuru kune mabhangi uye chinhu chakaipa kune vimba.
Kutengesa Pfupi vs. HARP
Pasi peHARP, mumakore maviri, imba yako inogona kunge iri pasi pemvura uye inokosha kudarika iwe unokwereta. Vatengesi vanogadzira zvishomanana kutengesa vanogona kukwanisa kutenga imba mumakore maviri kusvika matatu. Saka, zvinoshandiswa kutengesa imba iri pasi pemvura yeimba yakafanana neyo asi nechecheche inotora chikwereti - kunze kwekuti inotora makore maviri kutanga. Pakupera kwemakore maviri, aimbova mutengesi muduku anogona kuva neimba imwe chete asi nehutano.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.