Mortgage Loan Types

Mhando dze Mortgage Loan Programs

Pandakanga ndiri musikana muduku, pane zvitatu zvekubhadhara chikwereti chinowanikwa kune mutengi weimba. Vatengi vanogona kuwana mari yakatarwa inowanikwa , inotambirwa neFHA, kana mvumo ye VA. Nguva dzakanyatsochinja. Ikozvino pane dizzying array ye mortgage loan types inowanika - sezvo shoko rinotaura: kune dzimwe chikwereti chezvikwereti zvinopfuura iwe unogona kuzunungusa tambo pa!

Popular Types of Mortgage Loan Programs

• Fixed-rate Mortgage Types

  Uyu ndiye muzukuru wavo vose. Nhasi iwe unogona kusarudza kubva pamakore mashanu, makore gumi, makore gumi nemashanu, makore makumi maviri, makore makumi matatu, makore makumi mana uye makumi mashanu emakore ekugadzirisa zvikwereti zvese, izvo zvose zvakanyatsogadziriswa.

• FHA Loan

  FHA chikwereti chezvikwereti zvinowanikwa nehurumende kuburikidza ne mortgage inshuwarisi iyo inobhadharwa mune chikwereti. Vatengi vekutanga-venguva yepamusha ndivo vanokodzera kugadzirisa chikwereti cheFHA nekuti izvo zvinodhura zvitsva zvekubhadhara hazvisi zvishoma uye zvikwata zveFICO hazvina basa.

• VA Mari

  Iyi ndiyo mvumo yehurumende inowanikwa kune veterans vakashanda muUnited States Armed Services, uye mune dzimwe nguva, kune vakaroorana vevarwi vekare vakafa. Izvo zvinoshandiswa zvinosiyana zvichienderana negore rebasa uye kuti kubudiswa kwacho kwaikudzwa kana kushorwa. Izvo zvakakosha kubhadharo yeA VA ndiyo yakwereta haifaniri kubhadhara chikwereti. Mari yechikwereti inogadziriswa neDhipatimendi reVeterans Affairs asi mari inobhadharwa nekwereta.

• Chido-chete Mortgage Types

  Kudana chikwereti chekwereti che " mortgage-only mortgage " chinenge chichitsausa nokuti idzi zvikwereti hazvifarire chaizvo-zvinoreva kuti wakwereta anongobhadhara chikwereti chete kune chikwereti. Chikwereti-kune chete chikwereti chine chisarudzo chekuita mubhadharo wekufarira-chete. Izvo zvinoshandiswa zvinowanikwa chete kwenguva yakati. Zvisinei, dzimwe dzimba dzekubhadhara dzakawanda dzinofarira-dzoga chete uye dzinoda kubhadhara kubhodhi , inosanganisira chikwereti chekutanga chekubhadhara chikwereti.

Mhando dzakasiyana dzeMitendo yeMitero

• Chekuita ARM Mortgage Types

  Sarudzo yeArm chikwereti yakaoma. Izvo zvinogadziriswa-chiyero chezvikwereti , zvinoreva kuti chido chekufarira chinochinja nguva nenguva. Kungofanana nezita rinoreva, vateresi vanogona kusarudza kubva kune zvakasiyana-siyana zvekubhadhara uye nhamba yemari . Asi cherechedza zvishomanana zvekubhadhara chisarudzo, izvo zvinogona kukonzera kushandiswa kwezvakaipa .

• Combo / Piggyback Mortgage Loan Types

  Izvi zvinosanganisira zvikwereti zviviri: chekutanga kutora chikwereti uye chechipiri chikwereti . Zvikwereti zvinogona kugadziriswa-chiyero chechikwereti kana chekugadzirisa-chiyero kana kusanganiswa kwezviviri. Vanokwereta vanotora zvikwereti zviviri apo chikwereti chiri pasi chiri pasi pe20% kuitira kuti usabhadhara mari yega mortgage inshuwarisi .

• Zvigadziriswa-puro Mortgage Types

  Zvigadziriswa-chireji mabheji (ARMs) anouya mune zvakawanda zvinonaka, mavara, uye mazamu. Inhara yekutambira inofananidzwa. Inogona kutama kana kuti ichidzika pamwedzi, semi-gore negore, gore negore, kana yakasara yakagadzirirwa kwenguva yakati isati yagadziriswa.

• Mortgage Buydowns

  Vanokwereta vanoda kubhadhara chidimbu chechibereko chepakutanga kazhinji vanosarudza kutenga chikwereti buydowns. Inhara yekutambira inoderedzwa nokuti mari inobhadharwa kuderedza mutengo, ndicho chikonzero chinonzi buydown. Vatengi, vatengesi kana vatengesi vanogona kutenga chikwereti chechido chekukwereta.

Specialty Mortgage Loan Types

• Streamlined-K Mortgage Loans

  Kufanana nehurongwa hwekukweretesa 203K, FHA ine imwe chirongwa chinopa mari kumunhu anenge akwereta kugadzirisa musha nekukanda mari yacho kune chikwereti chimwe. Dhora yemari yekugadzirisa basa yakaderera pane chikwereti che Streamlined-K, asi inoda mapepa mashoma uye iri nyore kuwana kune 203K.

• Bridge / Swing Loans

  Izvozvi marudzi ekubhadhara chikwereti anoshandiswa apo mutengesi akaisa imba pamusika - asi haisati yatengesa - uye mutengesi anoda kukwereta kutengesa kutenga imwe imba. Musha wevatengesi uripo unoshandiswa sekuchengeteka kwebhiriji (inonziwo kuwedzerwa) chikwereti.

• Equity Mortgage Loan Types

  Equity chikwereti chikamu chechipiri uye chidiki kune chekutanga chekubhadhara mari. Vanokwereta vanotora zvikwereti zvakaenzana kuti vawane mari. Mari yechikwereti inogona kugadziriswa, yakagadziriswa, kana mutsara wechikwereti kubva kune akakwereta anogona kuwana mari sezvaidiwa.

• Kudzorera Mortgages

  Kudzorera zvikwereti zvitsva zvinowanikwa kumunhu chero upi zvake anopfuura makore makumi matanhatu (62) anokwana zvakakwana. Panzvimbo pokugadzirisa mwedzi mumwe nomumwe kune chikwereti, uyo anokweretesa anotora mwedzi mumwe nomumwe kune akakwereta chero bedzi uyo anenge akwereta ari kugara mumba. Inhara yekutora inogona kugadziriswa kana kugadziriswa. Wana mazano akazvimiririra kubva kumudzidzisi anovimbwa asati atora reverse mortgage.

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