Mumwe muverengi anobva kuCalifornia anobvunza kuti: "Shamwari yangu inoti bhangi rake rakamubhadhara $ 25,000 kuti atengeswe zvishoma . Rega ndikutaurire, ndaigona kushandisa chaizvo $ 25,000.Ndiri mune chikwereti kusvika kumaziso angu emaziso. Zvakakodzera ... Imba yangu iri pamusoro pemvura iri pasi pemvura iyo inouya.Ndingadi kuirega uye kubva kunze kweiyi-yakasiiwa nyika.Ndingawana sei mari yekuita zvishomanana kutengesa?
Mhinduro: Penguva pfupi kutengesa kutanga kutengesa kupinda muzvitoro zvekutengesa muna 2005, vatengesi vakawanda vakabvunza kuti vangagona sei kutenga mari kubva kutengesa kutsva. Kusiyana nekutenda kwakakurumbira kuti vatengesi havagoni kubatsirwa nekutengeswa pfupi , kune dzimwe nzira nzira shomanana dzokuti vatengesi vanogona kubhadharwa kuti vaite zvishomanana kutengesa. Havasi vose vari pamutemo.
Kana iwe usina mubvunzo pamusoro pekuti kana kubhadhara kwako kune mutemo, iva nechokwadi chokuti kubhadhara iwe unogamuchira kunoratidzwa paHUD-1 yako. Vazhinji vatengesi vanopinda mudambudziko nekutengesa kushandiswa kwenguva pfupi kuburikidza nekunyengedza chikwereti kana kubvisa ruzivo kubva kune chikwereti. Chero bedzi iyo mari yaunogamuchira inoratidzwa paHUD, iwe wakachengeteka.
Kuwana Cash neHAFA Pfupi Yokutengesa
Purogiramu inonyanya kuzivikanwa yemari yekutengesa kutsva ndeye HAFA kutengesa kutsva . Iyi ndiyo purogiramu yehurumende : Imba inoshandiswa kushandiswa kwekutsvaga nzira dzakasiyana. Icho chikamu che Pres. Obama Kuita Pamba Purogiramu Yakagadziriswa, kunze kwokuti iri kuita sei imba yako inotengesa kune mumwe munhu, kwete iwe.
Kana iwe chikwereti chako chikatora muHAFA uye iwe unokodzera HAFA, iwe unogona kugamuchira kusvika $ 3,000 pakuvhara. Ndinofungidzira kuti mabhanji akawanda anovaka mari ye $ 3,000 mumutengo wekutengesa, saka mutengi anokweretesa zvishoma zveimba, kuisa iyo mari yakawedzerwa muhomwe mutengesi.
Ndinoziva izvi nokuti ndakatambira kugamuchirwa paBhange reAmerica kutengesa kutsva kwaifanira kuva HAFA uye kwakarongedzwa nekukanganisa sekutengeswa nguva pfupi.
Ndakacherechedza kuti kukurudzirwa kwekufambisa kwakange kusipo kubva kumashandisi ekushanda, uye haina kureva chirongwa cheHAFA. Apo patakazogamuchira kugamuchirwa kwaHAFA, mutengo wekutengesa waiva $ 3,000 akareba. Saka, vatengi veHAFA vatengesi venguva duku, chenjererai, munogona kubhadhara mutengesi wokutengeswa kwemutengesi.
Mitemo ye Fannie Mae HAFA kutengeswa pfupi yakasiyana. Asi Fannie Mae HAFA kutengeswa zvishomanana , kupa iyo inoita kuti kuvhara kwenguva pfupi kuvhare uye kunorova zuva rekutsvaira kwekutsvaga , rinopa kusvika ku $ 3,000 kune mutengesi zvakare.
Izvo zvinokwanisika kuwana $ 3,000 kuburikidza na Freddie Mac HAFA kutengesa kutsvaga , asi rudzi urwu rwekutengesa pfupi kunoda kubvumidzwa mberi. Iwe haugoni kuisa chikwata kubhangi musati wagamuchirwa kwaFreddie Mac HAFA kutengesa kutsva.
Nzira Yokuwana Sei Cash yeFHA Yakatengeswa Pfupi
Kana chikwereti chako chiri chikwereti cheFHA , unogona kukodzera kutengeswa kweFHA . FHA zvishomanana kutengesa inozikanwa sekutengeswa kwekufanotangira , uye inowanzofananidzirwa neHUD. Bhenji ichayera imba yako uye inobvumirana kuita zvishomanana kutengesa uchipa iwe kugamuchira mupiro wemambure HUD zvishoma kwe 88% yehuwandu hwekuverengwa.
Mari iyo inokweretwa kune mutengesi inosiyana uye inobva kune rudzi rwechikwereti , mutengesi wemari yevatengesi uye mazano anowanikwa mune pepanhau, pakati pezvimwe zvisingazivikanwi.
Ndakaona mari inokurudzira kune vatengesi vanobva kubva ku $ 750 kusvika ku $ 1 000, asi hazvirevi kuti mutengesi angasawana zvakawanda. Bvumirana kubva pamba iri mumamiriro ezvinhu akanaka uye pedyo nechinguva ndiyo zvinhu zviviri zvinodiwa.
Chase Bank Country Cash Zvinokurudzira kune Zvimwe Zvishomanana Zvekutengesa
Zvingaita sokuti Chase Bank inokwereta mari inokurudzira mari yekare yeWashington Mutual. Zvinopesana kuti zvikwereti zvinowanikwa nekuda kwemhosva pamusoro peWashington Mutual asi ini handina kudana Chase Bank kuti nditsigire runyerekupe. Ndizvo zvandisingatendi kuti mutauri weJP Morgan Chase aizomira kana kuramba iyo runyerekupe.
Payments to Chase Bank vatengi vanobva kune zvuru zvishoma kusvika ku $ 25,000 kusvika ku $ 35,000 uye zvichida kupfuura sezvo pasina nzira chaiyo yekuona iyi data. Kana chikwereti chako chepakutanga chaiva neWashington Mutual , iwe une dambudziko rezvemari uye iwe uri kukanganisa pasi, zvechokwadi zvakakosha kuti uite kushambadzira kwenguva pfupi pakutarisira kugamuchira chikwereti chemari.
Wachovia Bank Nyika Sellers Kuzadzisa Kutengesa Pfupi
Kana chikwereti chako chiri chikwereti cheWachovia Bank kana yepakutanga yeWorld West Financial kana World Savings, iwe uri mubhadharo wekutanga kuti uwane mari inokurudzira. Kunyange zvazvo Wachovia Bank yava iye zvino inonzi Wells Fargo Bank, inoramba ichibhadhara vatengesi kwekambani kutengesa, kupa humwe hutano hunosangana. Somuenzaniso, mukutengeswa kweWachovia shoma , bhangi ringasimudzira kuti mutengesi anogadziriswa nekontrakiti kuti awane mari yebhasi, iyo inosvika kubva pa $ 1 000 kusvika ku $ 7 500.
Litton Loan Servicing Nyika Sarudza Seller Incentive yeZvitsa Zvokutengeserana
Litton Loan Servicing inotora nzira inoshanda. Litton ave ari kutumira tsamba kune avo vanotarisirwa kutsvaga kwekutengesa, vachipa kukurudzira munyore. Iyi yebhadharo yemari inoshanduka uye inogona kuva yakawanda se $ 5,000, asi vatengesi vanofanira kutevera uye kutevera nhungamiro yese yakanyorwa mumutsamba.
Citimortgage Inopa Seller Incentive yeZvitsa Zvishoma
Mutengesi muSan Diego nhoroondo inopiwa $ 35,000 neCitimortgage kuti iite zvishomanana. Iyi haisi iyo iyo mutengesi aifunga nezvenguva shoma. Citi yakabvunza mutengesi zvakananga nekutumira. Kana iwe ukaona tsamba kubva kuCitimortgage mubhokisi rako remas mail, usairasa.
Bhizinesi reAmerica rakaburitsa kunze kweBhizimisi Purogiramu Yakatengeswa Yakashambadza Inotengesa Vatengesi
Bhizinesi reAmerica rinodawo kuchenesa dzimba dzayo pasi pemvura. Kubva kumabhanga ose anogamuchira zvishomanana kutengesa, Bhizinesi reAmerica ndeimwe yepamusoro yekushandisa zvirongwa zvitsva. Bhizinesi reAmerica Cooperative Short Kutengesa kuripa vatengesi kusvika ku $ 2,500 kuti vaite zvishomanana zvekutengesa uye, mumatambudziko akawanda, inoda chete tsamba yekutambudzika kwebhizimisi.
Muchidimbu Kutengesa Cash Zvibereko zveCalifornia Vagari
ICalifornia TAP (chirongwa chekushandura rubatsiro) inopa zvizvarwa zveCalifornia kusvika kune $ 5,000 kuti uite zvishomanana kutengesa. Kuti zvikwanise, mutengesi anofanira kusangana nemiganhu yemari uye mutengesi wemutengesi anofanira kutora chikamu mu chirongwa cheTAP. Icho chikamu cheKachengetedza Kumba Yenyu California Kurogiramu, iyo isina chokuita nekuchengeta imba yako.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.