Refinancing, Even for Mortgages Underwater
Imba inoshandiswa Refinance Program (HARP) inotanga kugadzirirwa kubatsira varidzi vepamba kugadzirisa dzimba dzavo. HARP 2.0 ndiyo nzira yechipiri yekuita purogiramu yacho kubva pasi, shure kwekubudirira zvishoma pakuedza kwekutanga. Vaparidzi vekumba vaimbova nekwaniso yekugadzirisa nekwereti kuti vaone kukosha kwe 125% kana pasi.
Chii Chingave HARP 2.0 Inoita Kune Vakwereta?
HARP ndeyekuita kuti varidzi vepamba vatsigire pakuderera kwepamatongerwo enyika, izvo zvinogona kuvabatsira kuchengetedza mari pamusoro peimba.
Iine dzimba dzakadzika pasi pemvura, varidzi veimba vakawanda vanga vasingakwanisi kugadzirisa.
Kuongororazve kana madhigirii ari pasi kunogona kubatsirawo vagari vomunharaunda kuti vapinde munhandare yevanilla-mortgage. Vanogona kutamira kune nguva shomanana yezvikwereti pasina kuchinja kukuru mubhadharo yavo yemwedzi mumwe nomumwe, vanogona kutora chikwereti icho chinopa amortize kana kubhadharwa (kunze kwechikwereti bedzi chikwereti), kana kuti vanogona kubva kubva kugadziriswa kwemareji (ARMs) kusvika pane izvo zvicharamba zvakaderera kwenguva yekwereti.
Izvi zvingakubatsira sei? Mhanyai nhamba kuti muzviwanire kana pane chero rubatsiro rwekunatsiridza. Iwe unogona kuguma nebhadharo yakaderera, kukwanisa kubhadhara chikwereti iwe nokukurumidza, kana kupedza zvishomanana mukufarira mumakore anotevera. Kuti uwane mhinduro, tsvaga kuti ungaverengera sei zvikwereti kana kuti rega chikwata chako chiite iwe.
Pfungwa dze HARP 2.0
- Hazvina mhosva kuti uri kure nemvura uripi - chikwereti chisingagumi kukukoshesa sarudzo inobvumirwa kubatsiridza kugadziriswa kwemari
- Muzviitiko zvakawanda maitiro anoverengerwa anoiswa (izvo zvinoramba zvichivhara mari shoma)
- Kana iwe usina kuva nehana mortgage inshuwarisi (PMI) kare, haichazowedzerwa paunonatsiridza pasi peHARP
- Iwe unogona kukwanisa kubvisa zita romumwe munhu pachikwereti (sekunge wakaimbova nemudzimai)
- Chikwereti chakaipa hachina kukosha kudarika zvaizove kana iwe wakakumbira kubhadhara usingashandisi HARP
- Kuita zvekutsvaga uye dzimba dzechipiri - uyewo nzvimbo yako yekugara-inogona kugadziridzwa
- Mari nezvikwereti zvingave zvishoma kudarika zvaizove kana iwe uchigadzirisa iwe pachako (kana refinancing ichikwanisika pasina HARP)
Kunyora zvaunowana uye zvigaro zvingave zvishoma kudzvinyirira kudarika kana iwe uchinatsa iwe pachako
Kukurukurirana shure kweHARP
Chii chinoita kuti Obama Administration, kuburikidza neChipatimendi Chakugadzirisa Dzimba Dzakawedzerwa, kuedza kuita kuti zvive nyore zvikuru kugadzirisa? Mari yechikwereti ikozvino mumabhuku, saka njodzi yekutsakatika yakatova na Fannie Mae kana Freddie Mac. Kubvumira kuti iwe ugare nehutengo hwezasi kunoita kuti zvive nyore kuti iwe udzorere chikwereti zvachose. Kana iwe wakanamatira muimba ine zvikwereti zvakakwirira, iwe unowanzoita kuti urege kutora chikwereti kana kungoenda.
Yeuka kuti kana iwe uchikwanisa kubhadhara HARP, wave uchiripa zvikwereti zvako, saka njodzi yekutsvaga chete inoderera.
Eligibility Requirements
Kuti ukwanise kubhadhara pasi peHARP, unofanira kunge uine zvinotevera:
Iwe unogona kunge usingazivi kana chikwereti chako chikamu che Fannie Mae kana Freddie Mac - usafunga kuti hausi kungoti iwe unobhadhara kune "Wells Fargo" kana imwe bhengi. Iwe unokweretesa kune chikwereti chako servicer, asi muridzi wechikwereti anogona kuva chikamu chakasiyana.
HARP Refinancing Costs
Refinancing pasi peHARP yakafanana nekugadzirisa pasi pemamwe mimwe mamiriro; kune mari yekuvhara inosanganiswa. Iwe unogona kukwanisa kunyora zvizhinji zvezvikwereti kune chikwereti, zvinoreva kuti haufaniri kubhadhara kubva muhomwe kuti uchinatsire, asi iwe unopedzisa kubhadhara chikwereti kune izvo zvinodhura kwemakore akawanda ari kuuya. Kana zvisina kudaro, mari yako inotora chikwereti chaunokweretesa pachikwereti. Kana purogiramu ichikuitira iwe, iyo inhamba inofanira kuva yakaderera kune yawakave uchiripa.
Cherechedza kuti kubhadharwa kwepamwedzi kwepamwedzi hakureve kuti iwe uri kuchengetedza mari (kunyange zvingakubatsira kuti urambe uchifamba kwenguva yacho). Iwe unofanirwa kumhanya nhamba iwe pachako kuti uve nechokwadi. Kana ukawedzera chikwereti chako chekubhadhara chikwereti nokuputira mukuvhara mari, uye iwe unowedzera huwandu hwemakore yaunobhadhara mubereko, iwe haungagoni kuwana zvakawanda sezvaunofunga.
Kufambira Mberi neHARP 2.0
Kana iwe uchida kushandisa HARP 2.0 kuti uchinatsire, taura kune chikwereti chemari. Mutero wako anenge aripo anogona kukwanisa kuzvibata, kana iwe unogona kutarisa kune imwe nzvimbo. HARP ine mitemo yayo chaiyo, asi mumwe nomumwe ane chikwereti ane mitemo yake pachake-vangave vasingadi kana kuti vakakwanisa kukubatsira kushandisa chirongwa chacho. Kana iwe uchifunga kuti iwe unokodzera asi iwe chikwereti iwe unoti iwe hausi, edza imwe chikwereti.
Kana uine mibvunzo, unogona kugara uchishevedza Hotline yeHOPE yeHOPE pa 888-995-HOPE (4673).
Zvinyorwa zve HARP 2.0
Imba inoshandiswa Refinancing Program inogona kukubatsira kuti uchengetedze mari yako pamwedzi. Zvisinei, hazvichinje chokwadi chekuti chikwereti chako chakanyanyisa, uye iwe unotofanira kutarisana neichocho. Zvinogona kutora makore kuti iwe udzoke zvakare, uye iwe unofanira kuongorora nzira dzose (dzakadai sekutsvaga kutengesa nekugadzirisa). Kana uchida kuchengetedza imba yako kwenguva yakareba, HARP 2.0 inogona kuve yakananga.
Usati washandisa mari pakuvhara mari, fungidzira nzira yako yekubuda: iwe uye iwe unofunga kuti iwe uchatengesa imba yako?
- Chikwereti chako chaiva chavo kana chakavimbiswa naFannie Mae kana Freddie Mac
- Yaiva naFannie kana Freddie musi waMay 31, 2009
- Mari yechikwereti chako kuti uwedzere kuwanda inopfuura 80%
- Iwe uripo parizvino iwe unotora chikwereti, uye wakanga uchiripa mari yegore rapfuura
Zvadaro, ona kana chikwereti chako chakachengetwa naFannie Mae kana Freddie Mac.
- Kune Fannie Mae chikwereti, tsvagai pano
- Kune Freddie Mac mvumo, tsvagai pano