FHA Nheyo dzeChechi: Maitiro uye Nheyo yekukwereta neFHA Financing

Low Down Payment uye Chikwereti Chinodiwa

FHA zvikwereti zvinounza dzimba kuti zvive nyore kune vatengi vangave vane nguva yakaoma kubvumidzwa nevakakokwereta. Izvi zvikwereti hazvina kunaka kune vose, asi zvine zvimwe zvinofadza:

• Ita mubhadharo wakaderera sediki se3,5%.
• Gamuchira kubvumirwa kukwereta nechikwereti chiduku kana zvinetso mumukoro wako.
• Tenga imba imwe chete-yemhuri, condos, yakawanda-unit units, uye misha yakagadzirwa neFHA kutsigira.

• Wana mari yakawedzerwa (pamusoro nepamusoro pekwereti yako yekutenga) yekugadzirisa uye kugadzirisa neFHA 203k purogiramu.
• Shandisa mari yako pasi uchipa chipo chemari kana rubatsiro kubva kune mutengesi.

Tichafukidza zvose zvese pasi apa. Kuti uwane chikwereti cheFHA, taura nemunharaunda wemunharaunda kana wekutsvaga muIndaneti uye mubvunze pamusoro pezvirongwa zveFHA.

Chii chinonzi FHA Chikwereti?

Chikwereti cheFHA chikwereti chemusha chekuti US Federal Housing Administration (FHA) inovimbisa. Vakweretesa vari vega semabhanki uye zvikwereti zvekwereti zvinobudisa zvikwereti, uye FHA inotsigira: Kana iwe usingatsivi chikwereti chako, FHA ichabhadhara chikwereti panzvimbo.

Nokuda kwechivimbiso ichocho, vateresi vanoda kutora zvikwereti zvekubhadhara zvikwereti mumatambudziko apo vangave vasina kuda kutendera zvikwereti zvikwereti.

Makomborero eFHA Mari

FHA zvikwereti hazvisi zvakakwana kune vose, asi ivo vakanyatsokodzera mune dzimwe mamiriro ezvinhu. Chikumbiro chikuru ndechekuti vanoita kuti zvive nyore kutenga nzvimbo. Asi yeuka kuti izvi zvinobatsira nguva dzose zvinouya ne tradeoffs.

Zvinhu zvakanakisisa zvinosanganisira:

Muduku mubhadharo: FHA zvikwereti zvinokubvumira kutenga imba nebhadharo yakaderera pasi pa3,5%. Zvimwe (zvinowanikwa) zvikwereti zvinokweretesa zvingada kubhadharwa zvakanyanya, kana zvinoda chikoro chikuru chezvikwereti uye nemari yakawanda yekuwana kubvumidzwa nebhadharo shoma shoma.

Kana iwe uine zvikamu zvinopfuura 3.5 kubva muzana, unogona kunge uri nani mukuita zvakanyanya kubhadhara.

Kuita izvi kunokupa maitiro akawanda ekukwereta, uye iwe uchachengetedza mari pane zvekuda mari pamusoro pehupenyu hwechikwereti chako.

Mamwe emamwe marudzi emari: Zviri nyore kushandisa zvipo zvekubhadhara kwako uye kubhadhara mari neFHA yekubhadhara.

Uyezve, vatengesi vanogona kubhadhara kusvika 6 kubva muzana yemari yekukwereta kumari yekuvhara kwevatengi. Iwe unonyanya kubatsirwa kubva pane izvo mumutengesi wemutengesi, asi kunyange mumisika yakasimba, iwe unogona kugadzirisa mupiro wako wekutengesa zvakakwana kukunyengedza vatengesi.

Kubhadharwa kwekubhadhara : Hakuna (yakawanda pamwe chete nea subprime chikwereti ).

Zvikwereti zvinokwanisika : Mutengi anogona "kutora" chikwereti chako cheFHA kana zvichibvira. Vanotora pane kwawakasiya, uchibatsirwa nemari yakaderera inodhaka (nokuti iwe watotopfuura nemakore ekuwedzera-kufarira, zvaunogona kuona netafura yekugadzirisa ). Zvichienderana nekuti kana kuti kwete mari inoshandiswa nenguva yaunotengesa, mutengi anogonawo kunakidzwa nehuwandu hwechikwereti hunenge husingawanikwi munzvimbo ino yemazuva ano.

Mukana wekugadzirisa zvakare: Nekukanganiswa kwechangobva kuitika kana kufanirwa munhoroondo yako, FHA zvikwereti zvinoita kuti zvive nyore kugamuchirwa. Makore maviri kana matatu mushure mekutambudzika kwezvemari inowanzokwana kuti zvikwanise kuwana mari.

Kuvandudza kwekumba uye kugadzirisa: Dzimwe FHA zvikwereti zvinogona kushandiswa kubhadhara kuvandudzwa kwemusha (kuburikidza nemitambo yeFHA 203k ).

Kana uri kutenga nzvimbo inoda kuvandudzwa, mapurogiramu aya anoita kuti zvive nyore kubhadhara kutenga kwako uye kuvandudzirwa nekwereti imwe chete.

Iwe Unofanirwa sei neFHA Loan?

Kana ichienzaniswa nezvikwereti zvekare, FHA zvikwereti zvinowanzo nyore nyore kuti zvikwanise.

IFHA inoita kuti vagari vomusha vashandise kugoneka kune vanhu vezvikamu zvose zvekuwana mari. Nehurumende ichitsigira chikwereti, vateresi vanoda kugamuchira zvikumbiro.

Tarisa nevatengi vanokweretesa: Vatengesi vanogona (uye vanoita) vanoisa mitemo yakasimba kudarika zvishoma zvido zveFHA. Kana iwe uine dambudziko nemumwe mutero weFHA-unogamuchirwa, iwe unogona kuva nerombo rakanaka kune rimwe rakasiyana. Nguva dzose kuchenjera kutengesa zvakadaro.

Mibairo yekuwana : Hapana mari shoma inowanikwa. Iwe unongoda mari yakakwana kuti uratidze kuti unogona kudzorera chikwereti (ona pasi apa), asi FHA chikwereti chinotarirwa kune vanotora mari shoma.

Kana iwe uine mari yakawanda, iwe hauna kukodzera, sezvaunogona kunge uine mamwe mapurogiramu ekutenga kumusha wekutanga .

Chikwereti kune mari yekuwana mari : Kuti uwane chikwereti cheFHA, unoda chikwereti chakanaka -kusvika-kuwana mari . Mari yaunoshandisa pamari yekubhadhara mwedzi nemwedzi inofanira kunge yakaderera, ichienzaniswa nemari yako yaunowana pamwedzi. Kazhinji, zvakanakisisa kuva pasi kudarika 31/43. Asi pane dzimwe nguva, zvinoita kuti zvigamuchirwe neD / I ratios pedyo ne50 muzana.

Muenzaniso: Fungidzira iwe unowana $ 3 500 pamwedzi.

• Kuti uite zvinotarisirwa, zvakanaka kuti uchengetedze mari yako yepamwedzi inenge iri pasi pe $ 1,225 (nokuti $ 1,225 i31 muzana ye $ 3 500).
• Kana uine zvimwe zvikwereti (zvakadai sekwereti rechikwereti chikwereti ), zvose zvekubhadhara kwako pamwedzi pamwe chete zvinofanira kunge zvisingasviki $ 1,505.

Kuti uone kuti ungashandisa mari yakawanda sei pamitero, ona kuti ungaverenga sei mari yekubhadhara chikwereti kana kushandisa shanduro yekweretheni inowanikwa muInternet kuti uenzanise mari yako.

Chikwereti chikoro: Vanokwereta vane zvikwereti zvakaderera zvikwereti vanowanzobvumirwa kugamuchira zvikwereti zveFHA zvikwereti. Kana iwe uchida kuita 3,5% mubhadharo, chikoro chako chinogona kunge chakaderera se 580. Kana uchida kuita mari yakakura, chikoro chako chinogona kunge chichiri pasi (10% mubhadharo inowanikwa kune FICO pakati pe500 ne580).

Zvakare, vateresi vanogona kugadzirisa miganhu inorema kupfuura FHA inoda. Kana iwe uine zvidzidzo zvishoma (kana pasina chikwereti chenhoroondo zvachose), ungada kuwana chikwereti chinonyora pasi pasi . Izvozvo zvinopa vateresi kuongorora chikwereti chenyu kuburikidza nokutarisa "mamwe mazano" ekukweretwa kwekwereti, kusanganisira pa-nguva yenguva uye mari yekubhadhara.

Mari yechiyero : IFHA inogadzirisa kuti unogona kukwereta zvakadini. Muzhinji, iwe unongopedzisira kune chikwereti chakanyanyisa chakafanana nematengo emusha munharaunda yako. Enda kunzvimbo yeHUD Website kuti uwane mahara mahara. Kana uchida mari yakawanda, funga zvikwereti zvejumbo , asi ziva kuti unoda chikwereti chakasimba nemari kuti uwane.

Zvakakodzera kuedza: Kunyange kana iwe uchifunga kuti haugoni kubvumidzwa, taura nemunhu anokweretesa FHA-akagamuchirwa kuti awane chokwadi. Kana iwe usingasviki nemirairo yemvumo yepamutemo, kubhadhara zvinhu-sekubhadhara kwakaderera kunokonzera chikwereti chenhoroondo yako-kunogona kukubatsira kuti ukwanise.

Mari yeFHA inoshanda sei?

Vashandi vanozvipira vanobudisa FHA zvikwereti, uye FHA inopa iyo chikwereti nechivimbo chokuderedza chikwereti chekweretesa. Kuti uwane chikwereti, tanga nemunhu anotora chikwereti chemunharaunda , wekutenga chikwereti mutengesi, kana kuti mukuru wechikwereti pane imwe nzvimbo yezvemari. Kurukura zvaunogona kuita, kusanganisira FHA zvikwereti uye dzimwe nzira, uye sarudza purogiramu yakanaka yezvaunoda.

Inishuwarenzi yemu Mortgage: FHA inopikira kubhadhara vanokweretesa kana akwereta asina kukanganisa pane chikwereti cheFHA. Kuti ubhadhe chikwereti ichocho, iyo FHA inokwereta vakwereta (ndiyo iwe) mari.

• Vashandi vekushandisa vanoshandisa FHA zvikwereti vanobhadhara upfront mortgage insurumima premium (MIP) ye 1.75 muzana.
• Vanokwereta vanobhadharawo mari yakawanda inowirirana inowanikwa nemari yekubhadhara pamwedzi. Mari yaunobhadhara inobva kune njodzi iyo FHA inotora nemari yako. Muchikwereti chemazuva mashomanana, zvikwereti zviduku, uye zvakaderera pasi kubhadhara zvinokonzera kuderedza mwedzi yveshuwarisi mari. Mhosva idzodzo dzinobva kubva ku 0.45 kubva ku 1.05 muzana gore negore.

FHA zvikwereti zvinowanikwa kune marudzi akawanda edzimba. Mukuwedzera kumatare edzimba imwechete-emhuri, unogona kutora duplexes, misha yakagadzirwa , uye mamwe mhando yezvinhu.

Nei Uchifanira Kudzivisa FHA Imari?

Kunyange zvazvo vachiuya nezviitiko zvinofadza, unogona kuona kuti FHA chikwereti hachisi iwe.

Mitsara yemari: Mune zvimwe zviitiko, FHA haina kupa mari yakakwana apo unoda chikwereti chikuru. Kana iwe ukatenga zvakanyanya mari inodhura kana uri kutarisa mumusika unotyisa, FHA ingasakushanda iwe.

Mortgage inshurensi: The upfront mortgage inshurensi premium uye inowanzoenderera mberi inogona kutenga mari kupfuura yega mortgage mortgage inshumo inogona kudhura. Mune zvimwe zviitiko, hazvigoni kubvisa inshuwarheni yehupfumi kune FHA zvikwereti. Asi zvakajeka zvikuru kubvisa PMI pane zvikwereti zvakakosha sezvaunovaka kuenzana.

Zvimwe nzira dzekubhadhara pasi: Unogona kukwanisa kutenga imba isina kunyanyisa pasi uchishandisa chikwereti chakakosha-pasina FHA kutsigira. Kunyanya kana iwe une chikwereti chakanaka , unogona kuwana mikonzero yekukwikwidza iyo yakarova FHA chikwereti. Nezvirongwa izvi, unogona kukwanisa kubvisa inshuwalense yekutengesa mari nokukurumidza nekuvaka kuenzana mumba mako .

Nguva dzose kuchenjera kutenga zvakapoteredza. Enzanisa zvipo kubva kune zvakasiyana-siyana-siyana-kusanganisira FHA zvikwereti uye zvikwereti zvekare- zvisati zvaitika iwe unosarudza kutora matanho. Taura neunyanzvi hwekubhadhara mari kuti uwane mazano pane mapurogiramu akakodzera kumamiriro ako ezvinhu.

Kuti uwane mamwe mashoko pamusoro pezvakanaka uye zvinotapira mari dzehurumende, ona FHA Loan Pitfalls .