Realtors Refer Maketeni Mortgage Lenders
Kunyange vatsva vemazana emagetsi vanobudisa mazita ekurudzirwa vatengi vemari. Nhengo haigone kurarama mubhizinesi redzimba risina mari yakanaka yekubhadhara chikwereti kana maviri kuti ataure. Kana zvasvika pakusarudza chikwereti chemari, vatengi kazhinji havazivi kuti vanofanira kuitei pakutanga:
- Sarudza chikwereti chikwereti
- kana kuti kukwereta mujeri reimba .
Kune rumwe rutivi, kana vachikwereti vashandi veimba yekutengesa kuti vatange kuvaratidza dzimba vasingatendi kufanirwa nekweretesa chikwereti, vangave vasingazivi kana vari kukodzera.
Vasingatauri, kana vachifanira kuva neropafadzo yekugumburana nemusha wakakwana zuva ravo rokutanga kunze kwekushanyira, havazokwanisi kuita mvumo yakakodzera pamusha iwoyo pasina tsamba yekufananidza .
Kunyange zvakadaro, kuva REALTOR , mazano angu ndeyokutanga kuhaya agarisi weimba yehurumende asati asarudza chikwereti chekwereti. Nhengo yako yemuzinda weimba inenge iri newe kubva pakutanga kusvikira pakupedzisira uye inobatanidzwa muzvinhu zvose zvekutengesa kwako kumba. Mari yekubhadhara chikwereti inoshandisa mari chete. Kana iwe uri kushamisika zviri mukati maro kuitira REALTOR kuti akurudzire mutengesi wemari - nokuti ndinoziva kuti vamwe vanoita sei pfungwa, uye kusava nechokwadi kwezvinangwa zvepfungwa hazvisi zvisizvo - mhinduro ndeyokuti zero mari inokurudzira kune REALTOR kubva chikwereti chikwereti chekurumbidza.
Unogona here REALTOR Kugamuchira Kickback Nokukurudzira Mortgage Lender?
Izvo zvinopesana neR RESPA kugamuchira kurapwa kwekutumira kune chikwereti chemari.
Imwe chikwereti chikwereti hachikwanisi kubhadhara mujeri weimba yekutengesa yekutumira bhizimisi kune iyo mortgage lender. Chikamu 8 che RESPA chinorambidza ani zvake kugamuchira mubhadharo kana rudzi rwekubhadhara mukutengesa kuendeswa kune hurumende yemari yekubhadhara chikwereti. Sezvo inenge inenge yose yezvikwereti zvinokonzerwa nehurumende inobhadharwa nehurumende dzakadai seFannie Mae kana Freddie Mac uye zvasara ndeye federal FHA zvikwereti kana VA , RESPA inoshandiswa kune inenge imwe yezvikwereti zvose zvekutenga chikwereti.
VaKwereta Vanofanira Kusarudza Chikwata Chekutengesa Chikwereti Kubva Mabhadharo Nemitero?
Chinonyanya kukosha chokufungisisa pakusarudza chikwereti chekutenga chikwereti chinokurudzirwa neaishandi hachisi chikwereti chekufarira , uye haisi mari yezvikwereti. Hongu, iyo haisi iyo misprint. Dzinga zvinhu zvose zvaunofunga kuti unozviziva nezvekutenga chikwereti nekutenga chikwereti nokuti hazvirevi nezvemari inotengesa. Nzvimbo dzebhengi dzakakurumbira dzinozivikanwa kuti vatengi vanotenda zvakasiyana, asi ndezvikonzero sei vanokubata iwe sewe wemakore mashanu nekutyisa zvikwereti zvekufarira uye mapeji anowanikwa mumaso ako.
Icho chinonyanya kukosha ndivo vanokweretesa vakawanda pamusoro pehuwandu hwechiyero. Vane ruzivo rwekunaka zvakanyanya mabhegi akafanana emari. Vose vanokwereta masangano emunyika vanopikisana nevamwe vanokwereta, uye mari yavo inokwikwidzana. Izvo zvishomawo mumhando dzezvikwereti nemitoo yavanogona kupa, kazhinji inongorondedzera muimba chete.
Kunyange zvazvo mutengesi anotengesa mari, somuenzaniso, angave akawana mazamu makuru emari kubva kune zvakasiyana-siyana zvezvinhu. Kusvikira chikwata chako chemari chikasungwa , iyo inharaunda inogonawo kuchinja nokuti mitengo inoshandura kanopfuura kamwe kamwe zuva nezuva. Chiyero chakavimbiswa mambakwedza chingave chakakwirira masikati. Usakanganiswa ne 1/8 peresenti iyo inokwira kana ichidzika.
Imwe chikwereti chikwereti chinogonawo kutengesera mikana yakadai semafungiro asina mahwindo asi mari yekuongorora iyo inogona kuvigwa kune imwe nzvimbo. Kana, chikwereti chikwereti chinogona kukupa iwe inonzi yakasununguka pamba chekuchengetedza purogiramu, iyo mari yaunoshandiswa mubhadharo yemwedzi iwe unofanirwa kubhadhara kune kambani yekuchengetedza imba. Apo amai vako vakuudza iwe kuti hakuna mabiko ekusununguka, mutende iye, hapana chekudya kwemasikati. Usatora suckered nedzimwe nzvimbo dzekutsvaga nekutsanya-kutaura kutengesa mapuranga. Kuzvichengetedza $ 300 pamutengo we $ 300 000, somuenzaniso, hauna zvishoma, ndeye .001 uye zvakanyanya hazvibatsiri kana chikwereti hachikwereti nekuda kwekusaziva.
Zvinhu zvinonyanya kukosha kune chikwereti chekubhadhara chikwereti chingaita kwauri ndeyekugadzirisa chikwereti chako nokukurumidza, zvakajeka, pasina zvikanganiso, uye pedyo nenguva.
Chikonzero nei Mbavha Yeimba Anofanira Kufungidzira Realtor Yakagadziriswa Mortgage Lender
Nhengo yako yemugovera inoda kuti mutengesi wako uvhare zvakanaka, usina hiccups kana kushamisika, uye chimwe chezvinhu zvikuru zvikuru zvekutenga imba ndiyo kuguma kwekugadzirisa kwegadziriro.
Iyi nzvimbo iyo zvinhu zvakawanda zvinogona kuenda zvisina kururama, kubva kune chikwereti chemari chikwereti chisina hanya painoongororai chikwata chekubhadhara chikwereti, kusashandisa zvinyorwa zvisiri izvo, kwete kukumbira magwaro akakodzera, kutarisa zvinetso zvinokonzera matambudziko uye mitsara yakatsvuka, kukanganwa kuronga kuongorora uye pakupedzisira kwete kuva kukwanisa kuvhara faira panguva.
Uyu anokweretesa anobva kune rimwe boka revanhu kuronga chikwereti, kusanganisira yekupedzisira kutaura munyaya yacho, munyori wechirungu . Kana chikwereti chenyu chikwereti chisina tsanangudzo yakatarwa, isina ruzivo kana zvimwe zvisingaenzaniswi zvakarongeka, mutengi wemusha anogona kutambudzika pasina kudiwa kuburikidza nekuvhara.
Imba yevatengesi vanogara vachivhara bhizinesi dzakawanda vane ruzivo rwekushanda nevanobhadharira zvikwereti zvakasiyana-siyana, uye vanoziva kuti ndiani anopa chikwereti pasi pevimbiso uye pamusoro pokurwira. Vanoziva kuti ndiani anopa chikwereti kune vamwe vose. Iwe unogona kuvimba nehutano hwako hwehutano nekusarudza kushandisa mari yekubhadhara chikwereti chako chinokurudzira. Izvozvi marudzi ekubhadhara chikwereti vanozivawo kuti kana vakundikana kuita kune zvavanotarisira, mutambi uyu acharega kureva bhizinesi. Kutumirwa kubva kune imwe nzvimbo yemugovera kune imwe chikwereti chekutenga chikwereti kunowanikwa mubhizinesi; haigoni kutengwa. Wakatarisa wako ane ukama nechocho chikwereti chikwereti, uye chikamu ichocho ukama huchaita kuti kusagadzikana kusingabatsiri. Iwe unokweretesa iwe pachako kuti utaure neanomumiririri akakurudzira kubhadhara chikwereti.
Funga nezvehukama hwako nedhipatimendi rebhengi risina kuzivikanwa apo iwe hausi chinhu chinopfuura nhamba shomanana kune munhu iyeye anobuda zuva rimwe nerimwe pa5 PM. Pane kudaro, iwe haungashuva kuva mutsara webhizimisi kumunhu anotora chikwereti anotengesa mafuta epakati peusiku kuti aone kuti faira yako inopedza nenguva here? Funga pamusoro peizvi paunofungidzira iwe ugere pamusoro pebhokisi rako uye wakamirira vatengesi. Iwe haugoni kuwana snafu. Vazhinji vepamba vatengi vanoda imba yavo itsva yekutengesa kuti igochengetedzwe nekufungisisa nekuvhara mukati memvumo. Mhedzisiro ndeye kana iwe ukashandisa iyo yeagenzi yako mortgage lender, icho chiitiko chinowanzoitika.
Kuvhara pfungwa: Zvizhinji zvekutora zvikwereti zvinotengeswa mushure mekuvhara. Usafungidzira kuti kana ukasarudza bhengi uko iwe unogadzirisa maakaiti nokuti unonzwa uchitendeseka zvisina kukodzera iyo chikwereti chako chichagara pabhangi iroro.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.