FHA - Federal Housing Administration
FHA zvikwereti zvave zvichizivikanwa nevatengi kwemakore anoda kusvika makumi mana nemasere kubva pavakatanga muna 1934. Vanoda zvikwereti zve3,5% pasi uye vachizvirumbidza zvimwe zve "2nd Chance" zvakanyora pasi zvinyorwa zvinowanikwa muna 2015, FHA inoramba iri mari yekubhadhara mari.
VA - Veterans Dhipatimendi
Yakagadziriswa semubairo uye chikonzero chekushandira nyika yedu; VA mortgage financing yakashandirawo America. Muna 2012, Dhipatimendi reVeterans Affairs rakazivisa kuti rakachengetedza madhora makumi maviri nemakumi maviri emari yekubhadhara mari sezvo purogiramu yemari yeimba yake yakavakwa muna 1944 sechikamu chekutanga cheGI Bill yeHurumende yekudzoka kweHondo Yenyika II Veterans.
Kuti uwane chikwereti cheA VA chikwereti, unofanira kunge wakashanda muUnited States Forces, kana wakanga uri nhengo ye National Guard kana Reserves. Mune zvimwe zviitiko, vakaroorana vevarume vekare vakafa vakakodzera zvakare. VA underwriting yakafanana zvikuru neFHA pasi pekunyora maererano nekutenderera.
USDA - Department of Agriculture
Yakagadzirirwa "Murimi Womurimi" uye inobhadharwa neDaida , Dhipatimendi reUnited States reZarimi, iyi inharaunda yekumaruwa inowanikwa kune vakawanda veguta duku reAmerica.
Kupa rubatsiro rwakaderera, kuderera kwekubhadhara chikwereti chokutora chisarudzo chepamusoro kusvika kumhuri yakapfuma-iyo, USDA kubhadhara kunogona kupa imwe yepamusoro yekubhadhara mari inowanikwa mumusika.
Pano pane zvido zvekugara zveimba yacho, uye chikwereti chinogona kukubatsira kuti uone kana imba yako yekurota ichikodzera purogiramu iyi. Purogiramu yeDADA inowanzoshandiswa mumataundi ane vanhu vanenge 25 000 kana pasi.
Inowanikwa 3% Down Programme
Imwe nguva yakasara Fannie Mae 97% yekwereti-ye-purogiramu yakakonzerwa kubva mumadota kubva munaDecember 2014. Zvinofadza kuti Federal Federal Authority (FHFA) inotungamirira Fannie naFreddie, vakaona kuti zviuru zveMireniyali zvakagara pamba nekuda kwekushaya kwezvinhu.
Vakatorawo FHA mari yekubhadhara mari kupfuura ivo vaida uye havana chavanoita chechigodhi chemari. Sezvo zvichiitika vechidiki muMillennial vanhu vane nguva yakaoma yekuponesa munguva yeHurumende Kubva. Kuve kusingabatsiri uye kubhadharwa pasi kunoita kuti zvive zvakaoma kuponesa zviuru zvekuisa kune kubhadhara kuripo.
Izvo hazvinei, zvakadaro, zvinoratidza kuti Millennials inoponeswa yakachengetwa ingirozi yakakura. Ichokwadi, vazhinji vane chikwereti chisina kunaka chokuti chinowanzoshanda pamwe chete nepamusoro ekukwanisa kushandiswa kwebasa kuti vaite dambudziko rekukwereta.
Izvo zvikamu zvitatu kubva muzana pasi pasi zvinotora chikwereti chakasimba chekuti FHA mari. Purogiramu ye 3% yekubhadhara pasi inongogumira masimba ekukwereta $ 424,100 kana pasi.
Mari inzvimbo dzakakwirira dzinobvumirwa, asi hutengo hwemari hunoramba huchikwaniswa pamiganhu yakatarisana yemari.
State uye Local Assistance Programs
Hurumende imwe neimwe ine purogiramu imwechete yevabereki-purogiramu yekubatsira, vazhinji vane mikana yakawanda. Ruzhinji rwezvirongwa zvinowanikwa kubva muhurumende yehurumende uye masangano emari zvinotarirwa kune vanocheka uye vari pakati nepakati pevatengi.
Zvisinei, panewo mapurogiramu akagadzirirwa kukurudzira vavakidzani kana vatengi vanokurudzira vanoshumira munharaunda semuiti wemoto, mupurisa, mushandi wehupfumi kana mudzidzisi. Vanhu vemunharaunda uye kunyange vavakidzani vanogovera mari kune rubatsiro rwekugara uye nzvimbo yekuvakidzanazve.
Inobhadhara kutarisa HUD ye "Kutenga Imba" peji, mukuwedzera pakutsvakurudza nzvimbo yako yepamutemo yedhorobha uye nzvimbo dzehurumende dzeguta nekuda kwekukurudzira kwemukati.