HAFA nyika vanotengesa $ 10 000 kuita Senguva Pfupi
Asi nokuti HAFA chirongwa chehurumende chinotsigirwa nehurumende, zvakanyanya zvakaoma kupfuura izvozvo.
HAFA inotsanangurwa neHomes Affordable Foreclosure Alternatives, uye iyo chikamu cheMutungamiri Obama wekugadzira Purogiramu Yakatengesa. Nhanho yekutanga ndeyekuti akakwereta aise kuHAMP, Home Affordable Modification Program. Heino mitemo yekufanirwa nehurongwa hweHAMP:
- Kugara kwega woga kunokodzera.
- Mari yekubhadhara inofanira kunge iri pasi pe $ 729,750.
- Anokwereta anotarisana nedambudziko rakafanana nekurasikirwa nemari, mari yakawanda yekubhadhara chikwereti kana kuwedzera kusingatarisirwi kwemari.
- Imba yacho yakatanga pamberi paJanuary 1, 2009.
- Iyo PITI yekubhadhara chikwereti , kusanganisira HOA , inodarika 31% yemutengo wekukwereta wemwedzi wose.
Kana imwe yemitemo isingashandisi, ipapo uyo anenge akwereta haakodzeri HAMP. Ndinozviziva izvi nokuti ndakaenda kuPaint Affordable Modification peji kuti ndipindure imwe yemibvunzo 5.
Ndakaita izvi kanomwe, uye ndakashandura mhinduro yakasiyana pane imwe nguva. Hapana mhinduro kune imwe yevashanu yakaguma mukurambwa.
Kana iwe usingakodzeri HAMP, iwe unogona kudikanwa kuwana shoma shoma rekutengesa kuti ikubatsire. Kana iwe uchikodzera HAMP, hazvirevi kuti iwe uchakodzera HAMP. Kukodzera uye kukodzera kweHAMP kune mhuka mbiri dzakasiyana.
Chinangwa chako, kana iwe uchida kuita zvishomanana , kutarisira kuti HAMP ichakutsausa. Ipapo iwe uchave wakakodzera kuHAFA. Kana, kana akagamuchirwa muHAMP, uye iwe unomira kuita mari yako yokugadzirisa zvikwereti, unogona kushanda kune HAFA. Izvi zvinogona kumira semitemo inofadza, asi ndiyo nzira iyo hurumende yedu inoshanda.
Ndinofunga kuti zvinonakidza kuratidza kuti vashomanana vatokwereti vanowanzokodzero yekugadziriswa kwechikwereti . Zvechokwadi, inenge imwe neimwe yekutengesa shoma kwandinoita mu Sacramento ndeye mutengesi uyo akarambwa nokuda kwekugadzirisa chikwereti.
Sarudza kana Waunyorera Wako Akabatana muHAMP Program
Zvakakosha kuziva kana chikwereti chako chinopinda muHAMP, nokuti vanokweretesa vanobatanidzwa muHAMP vanobatanidzwawo muHAFA. Fannie Mae naFreddie Mac vakakweretesa havakwanisi kutora chikamu uye vane zvinyorwa zvavo zvepurogiramu iyi. Heino runyararo rwezvimwe zvezita guru-HAMP rinotora chikwereti kune vateresi:
- Aurora Loan Services, LLC
- Bank of America, NA
- Chase Home Finance, LLC
- CitiMortgage, Inc
- Pasi Pose Pamba Pepanho Loan Servicing, LP
- EMC Mortgage Corporation
- GMAC Mortgage LLC
- Green Tree Servicing LLC
- HomeEq Servicing
- Bank Bank
- JPMorgan Chase Bank, NA
- Litton Loan Servicing
- Navy Federal Credit Union
- Ocwen Financial Corporation, Inc.
- OneWest Bank
- PNC Bank, National Association
- Saxon Mortgage Services
- The Golden 1 Credit Union
- US Bank, National Association
- Wachovia Mortgage, FSB
- Wachovia Bank, NA
- Wells Fargo Bank, NA
Zvigadziriswa Zvido zveHAFA Zvishomanana Zvekutengesa
Kana munhu akwereta akarambwa nokuda kwekugadzirisa chikwereti kuburikidza neHAMP Program, anenge akwereta anokwanisa kukodzera kuHAFA Short Sale chirongwa kana kutevera Deed in-Lieu-of Foreclosure . Sezvo ini ndisingazivi kuti nei mumwe munhu ari mukati mavo maonero akanaka achizoita chiito-panzvimbo, ndichabatana nekushambadzira kwenguva pfupi . HAFA ichafananidza mutengo wekutengeswa kwechidimbu uye kupa mutengesi mwedzi 4 kutengesa dzimba kuburikidza nejeri reimba . Heino izvo zvinotarisirwa:
- Zvigaro zvekugara zvinokodzera. Kubva munaJune 1, 2012, vasiri mvumo yemiti vakakodzera HAFA.
- Mari yekubhadhara inofanira kunge iri pasi pe $ 729,750.
- Mutengesi anofanira kunge ari kumashure kana kuti anenge achisara kumashure.
- Imba yacho yakatanga pamberi paJanuary 1, 2009.
- Mutengesi aiva kana kuti aizorambwa neHAMP nokuda kwekugadzirisa chikwereti.
- Vatengesi vane zvikwereti zvehurumende vanogona kukodzera pasi pechirongwa chakasiyana.
Batsirwa neHAFA Short Sale
Mushure mekutengesa mutengesi wabuda kuburikidza nezvose izvi hoops, panofanira kuva nezvikomborero, zvakarurama? Pane. Somuenzaniso, vechipiri vateresi havagoni kuedza kumanikidza mutengesi kuti aite zvishoma kutengesa kutora chikwereti chekubiridzira kuburikidza nekukumbira kubhadhara kunze kwekutengesa kana kubata dangwe rokutengesa sechibvumirano. Heano mamwe mazano eHAFA:
- Vatengesi vanotora chikamu muHAFA vanosiya kodzero yekushayikwa kwekutongwa .
- Pakutanga, vatengesi vechidiki vanogona kugamuchira kusvika 6% yemari yekubhadhara chikwereti kana $ 6,000 zvakasununguka kuti vasunungure chikwereti. Kubva musi waFebruary 1, 2011, chikwata che 6% chakabviswa neHurumende yeUnited States - uye mari yacho ikozvino inodarika $ 8,500 inoshanda munaJune 1, 2012. Kubva munaFebruary 1, 2015, iyo yakawanda yava $ 12,000.
- Vatengesi vachawana kubhadhara hurumende ye $ 10 000 pamusana pekuvharwa kwekubhadhara mari yekugadziriswa, kupa imba iyo muridzi wekugara.
- Vatengesi havazodiwi kuita mutengesi mupiro .
- Vatengesi vanofanira kubvumirana kuti vasatombopfuura munguva yekutsvaga kwekutengesa.
- Kunze kweFannie Mae , Freddie Mac , VA uye FHA zvikwereti, mutero wevatengesi vekutengesa mari haafaniri kudarika chikamu che 31% mushure mokunge 2/1/11.
Chimwe chiitiko cheHAFA mapoka ose anofanirwa kuisa chivimbiso chakareba . Mune mamwe mazwi, mutengesi haagoni kutengesa kune munhu mutengesi anoziva kana kuti uyo mutengesi anowirirana naye. Mutengi anofanira kubvumiranawo kuti arege kutengesa imba yacho kwemazuva mashoma makumi mapfumbamwe.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.