Mazano eFHA Mashoma Kutengesa

Zvinhu Zvokuziva Nezve FHA Zvakatengeswa Pfupi

Mutengesi anogona kukodzera kutengeswa kweFHA shoma kana HUD inosarudza mutengesi ane dambudziko. Zvose FHA zvishomanana kutengesa zvinowira pasi peHUD, Housing uye Urban Development, mirayiridzo. Nokuti hurumende ine zvigunwe zvayo mukutengeswa pfupi , iyo nzira ishoma zvishoma, uye inogona kuvhiringidza kune vashoma vatengesi vatengesi nevatengesi zvakafanana. Mazano anotevera anofanira kubatsira kubvisa kukanganiswa.

Nhungamiro Yenheyo yeFHA Yakatengeswa Pfupi

Kana yako kutengeswa pfupi iri pfupi pfupi kuenda kune imwe nzvimbo, zvinoita kuti inowanikwa muFHA waterfall.

FHA inoda kutsvaga mikana yekugadzirisa chikwereti . Kana kuchinja kwechikwereti chako kwakarambwa kana kurambidzwa, iri ndiro zuva rako rine bhanzu nokuti iwe uchafamba nekukurumidza zvikuru kuburikidza neFHA pfupi yekutsvaga nzira.

• Imba inozivikanwa se1 kusvika kumakamuri mana. Izvi zvinoreva kuti duplex kana manaplex inogona kukodzera kutengeswa kweFHA shoma asi chivako cheimba yeimba 5 hachigone.
• Misha isina vanhu inotora haigoni kushandiswa sebharenti kwemwedzi inopfuura 18. Kana imba yakashandiswa sebhadharo kwemwedzi inopfuura 18, kusiyana kunofanira kuwanika kuenderera mberi. Kugamuchira kusiyana-siyana nguva inopedza.
• Musha hauna kutengwa chibharo. Kana imba yacho yakatengwa sekutsvaga mari, imba yacho haikwanisi kutengeswa kweFHA.
• Mutengesi anotarisana nenhamo. Vatengesi vanoronga kubva kure pamba kana tariro yekuita zvishomanana kutengesa zvishoma hazvikodzeri.
• Mutengesi mazuva anopfuura makumi matatu apera nokuvhara. HUD inonyatsochenjerera kutaura kuti mutengesi haafaniri kukurudzirwa kurega kubhadhara pane chikwereti; zvisinei, kana mutengesi asiri mubhadharo, kutengeswa kweFHA shoma hakuzobvumirwi. Handina hanya kuti vanotaura sei, hurumende iri kutaurira vatorwa kuti varege kugadzira chikwereti chekubhadhara mari .

Mibvunzo Inowanzoenderana neFHA Yakatengeswa Pfupi

• Zvinotora nguva yakareba sei kuti uite FHA Short Sale?

  Zvose izvi zvinenge mwedzi 4 kusvika ku6, asi zvinogona kutora nguva yakareba. HUD inogona kutora kuwedzerwa kweimwe mwedzi miviri. Zvinoratidzika pose apo hurumende inobatanidzwa, munhu anogona kutarisira tape tsvuku uye kunonoka. Kutanga, kana servicer ibhi reAmerica, HUD inotaura nezvekubvumira kubatanidzwa - mushure mekuita kwenguva yakareba uye yakagadziriswa nzira yekutsvaga mutengesi uye pfuma inokodzera FHA Short Sale. Mutengesi anobva apiwa mwedzi mina kutengesa imba. Dzimwe mabhengi anobvumira FHA kutengeswa kushoma zvichibva pakubvumirana kwekutenga.

• Ko Market Market yakatarwa sei neFHA Short Sale?

  HUD ichaita kuongororwa kwakazara uye kutarisira kuti mari inokosha. Izvo hazvizobvumiri kutengesa kwekutengesa kwezvokutanga uye zvimwe zvekutengesa zvishoma kuti zvibatanidzwe muongorori kunze kwekuti iyo mitengo ndiyo chete inofanirwa kutengesa . Nokubvisa kukwikwidzana kwakatengeswa kwekutengesa, dzimwe nguva mutengo wokupedzisira unotengeswa unogona kunge usinganzwisisiki, iyo inenge isina kukodzera.

• Iwe unogona kuva nechipo chekutenga kuendesa kune FHA shoma shoma?

  Hongu, kunyange zviri nani kubvumidzwa kuti "kutanga kutengeswa kwekutengesera" kutanga, asi hazvidiwi. Zviri nyore kune mutengi, zvisinei, kana mutengesi anokwanisa kugadziriswa asati agadzirwa pamusha nekuti inopedza nguva yekumirira mutengi.

• Ko mutengesi angagamuchira mari yeFHA Short Sale?

  Kupa mari yaisashandiswa kupa mari kune chikwereti chechipiri, mhinduro ndiyo hongu. Nhamba yekurudziro inotangira pa $ 1 000 uye kana kutengeswa kusina kuvhurwa mukati memazuva 90, inodonha kusvika $ 750. Kana chikwereti chechipiri chinoda mari inopfuura $ 1,500 kugadzirisa kutengesa kutsva, mutengesi achadikanwa kupa chikamu kana zvose zvinokurudzira kune wechipiri chikwereti.

• Ko FHA ichabvumira mutengesi chikwereti kumari yekuvhara kwevatengi?

  Kunyange zvazvo chiri chokwadi kuti vazhinji vanotengesa FHA vanoda mari yekuvhara mari yekubhadhara kubatsira kubhadhara mari yekuvhara , uye FHA ichabvumira chikwereti che3% apo FHA iri kuisa mari kune mutengi, FHA haingabvumiri chikwereti che1% muFHA Short Sale . Zvinogoneka kuwana mutsauko, zvisinei. FHA inotarisira kuvhura 88% yemari yayo inotenderwa kutengesa. Kana iyo mambure inowedzera inopfuura kudarika FHA zvishoma, zvinoita kuti FHA ingabvumira mupiro wepamusoro mutengesi kumari yekuvhara kwevatengi.

Iyo imwe huru yakarereka kune FHA Short Sale ndiyo nguva inobatanidzwa kuronga kutengesa kutsva. Kana zvichikwanisika, zvichaita kuti zvive nyore nyore kune vose mapato kana akwereta anotanga kushanda uye akaramba kuchinjwa kwechikwereti, kuteverwa nechokuita kuti atange kugamuchirwa kutengeswa kweFHA kushoma. Kana uchingobvumirwa kupinda muFHA Preforeclosure Program, ipapo ubhadhare mutengesi shoma shoma uye enda pamusika pamutengo unotenderwa.

Pane zvikamu zviviri zvinokosha zvinosanganisira muFHA Short Sale kuburikidza neBan America. Ikutanga ndeye verbiage yekutumira chibvumirano chinoita kuti mutengesi arase chikwangwani chekuronga pasina kubhadhara mutengesi chero mari. Yechipiri ndiyo verbiage ye addendum pakati pemutengesi uye mutengesi anotsanangura kutengesa kutsva kunogamuchirwa.

_{Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.}