Nzira Yokugadzirisa Nayo Mari Yokubhadhara Musha

Mortgage Loan Refinance Advice

Kana zvikwereti zvikawira, vadzidzisi vomunharaunda vanomhanyira kunatsiridza mari yekugadzirisa mari, kazhinji vasinganonoke kufunga kuti kana kugadzirisa chinhu chakanaka here kana kuti chinokonzera mari. Zvinosuruvarisa, vadzidzisi vemusha vanogona kunyengerwa nyore nyore nenzwi rwiyo rwemhare nechemberi yekutengesa mhindu yemari; zvisinei, zviyero pachavo zvingori chikamu chiduku chemufananidzo mukuru.

Serial refinancers , sezvandinoda kuvashevedza, kutora mvumo yekutenga chikwereti nguva dzose maitirwo anokonzera chikamu chechina.

Ndaiziva gweta akadzorera imba yake kanomwe mumakore masere akapfuura. Uyu aive munhu aifanira kunge akachenjera pane izvozvo nokuti nguva dzose paaifungisisa, akawedzerazve mukuru kumagumo emutero wake uye akawedzera nguva yemutero wake.

Chii Chinonzi Refinance?

Chikwereti chemari yekutenga chikwereti chepakutanga chakachengetwa neakwereta kutenga imba. Chikwereti chekunatsiridza chikwereti chitsva chakatorwa nemunhu anenge akwereta kuti abhadhe chikwereti chepakutanga kana, kana pane imwe sarintercer serial, chikwereti chinobhadhara chikwereti chekupedzisira chechikwereti. Iyo yakagadzirirwa chikwereti inowanzova panzvimbo yekutanga; zvisinei, zvinogona zvakare kugadziridza chikwereti chekuwana chikwereti .

Mitengo yeRefinance Mortgage Loans

Kungofanana nokuti iwe iye zvino ungave uchibhadhara pane zvakasarudzwa-kutora chikwereti , hazvireve kuti iwe haugoni kutora rudzi rwakasiyana rwekubhadhara chikwereti kana iwe uchigadzirisa. Zvisinei, usati watarisa kuchinja huwandu hwekutengesa huwandu hwechimwe chikwereti, iva nechokwadi chokuti iwe unonyatsonzwisisa mitemo yechikwereti chitsva .

Pano pane zvikwereti zvekubhadhara zvikwereti zvaungada kufunga nezvazvo:

• Chinangwa chete Mortgage .
• Chekuita ARM Mortgage .
• Chigadziriswa Chekuita Mari .
• FHA Loan .
• Kudzorera Mortgages .

Refinance Mortgage Loan Costs

Kunyange zvazvo zvichikwanisika kuwana mari-yebhadharo yekubhadhara chikwereti kubva kune chikwereti chemari , yeuka kuti vateresi vari mubhizinesi rekuita mari.

Kana uyo anokweretesa asina kuwana mari nekubhadhara mari yepamusoro kuti aite chikwereti, iyo mari inosungirirwa mune chikwereti kana kubhadhara kuburikidza nepamusoro-kudarika-mutengo wekutengesa.

Kune mabhanki mashomanana anotendeukira kumabhadharo echokwadi asina mari, asi avo vashoma uye vari kure. Verenga kuverenga kwako kwakanaka uye kuenzanisa vatengi. Iva neGFE, Yakanaka Kutenda Kwekutenda . Kubva paJanuary 1, 2010, vateresi vave vachidiwa kuti vawane hutano hwavo hwakanaka hwekutenda . Kana imwe yehuwandu inoshandiswa pakuvhara, uyo anokweretesa anoda kubhadhara.

Hezvino mari inogona kudiwa kuti ubhadharire:

• Marikiti Discount Points .
• Nhemba Kubva.
• Processing.
• Administration.
• Kushanda.
• Kuongorora.
• Nyaya Yokugadzirira.
• Kuongorora .
• Credit Report .
• Musoro weGwaro .
• Escrow Fee.
• Reconveyance .
• Mubatsiri Anoda .
• Notary.
• Chikwereti Tie-in.
• Kutumira uye Courier.
• E-Mail Doc.
• Tax Service.
• Kurejera.

Mutevedzeri anotengesa zvatiri mubhizimisi zita rekuti "mari yemari," izvo zvinoreva kuti vanogona kutaurirana nemunhu anenge akwereta. Iko mari yekugadzirira gwaro, kutungamira, kushandiswa, kushandiswa uye zvakafanana. Kana iwe ukakumbira, uyo anokweretesa angavarega.

Pamusoro pemari iyi, unogona kuona chimwe chinhu chakaiswa "chabhadhara kunze kwekuvhara" pachirevo chako chekuvhara chinonzi YSP . Ndiyo mari bhagheni inodzorera kumutengesi wekutengesa kubhadhara chikwereti chako chikwereti.

Yeuka kuti kana uyo akwereta asina kubhadhara YSP kune mutengesi, iwe ungangodaro wakagamuchira chikamu chechidiki chekukweretesa pachikwereti chako kana kuti uchibhadhara zvishoma pamakona. Nenguva yaunowana izvi, iwe unenge uchivhara chikwereti . Saka, bvunza mberi.

Zvinyorwa kuRefinances

• Zvinodhura. Kana uri kubhadhara mari yekuwana chikwereti, zvinokubhadhara mari kuti uwane chikwereti, chausingazogadziri kuburikidza nehuwandu hwemari yepamusoro kwemakore akawanda. Kuti uone izvi, wedzerai mari yose. Ratidza musiyano pakati pekubhadhara kwako kwekare uye kutora kwako patsva . Gurai musiyano iwoyo mumari yezvikwereti, iyo ichaenzanisa nhamba yemwedzi yaunofanira kuripa pane chikwereti chako chitsva kuti uputse.

  Kana mari yako yezvikwereti iri $ 4,000, somuenzaniso, uye mari yaunotora pamwedzi ichava $ 100 pamwedzi, zvichakutora iwe mwedzi makumi mana kuti urege kupera.

• Yakareba nguva yekuita nguva . Kunyange zvazvo iwe uine sarudzo yekuderedza nguva yako yekuita mari , iwe unogona kusakwanisa kubhadhara mari yakakwirira uye iwe ungashuva kubhadhara mamwe mwedzi mumwe oga kuti ubhadhe chikwereti nokukurumidza. Vanokwereta kazhinji vanowedzera nguva yechikwereti. Kana iwe uchigadzirisa chikwereti nemakore makumi maviri akasara kune chikwereti chitsva chemakore makumi matatu, iwe wakashandura chakanga chiri chikwereti chemakore makumi matatu nemakumi matatu kusvika kune chikwereti chemakore makumi matatu.
• Bigger mortgage. Nokugadzirisa mari dzechikwereti chako muchikwereti pachako, iwe uri kutora chikwereti chikuru . Chimwe chikwereti chikuru chekubhadhara chinodya kudya pahutano hwako. Uyezve, kana ukatora mari, inonzi cash-out refinance, chikwereti chako chikwereti chichawedzerwa.

  Vamwe vanokwereta vanotora mari kubva pakunatsiridzira kubhadhara zvikwereti zvinowanikwa nekutengeswa kusina kuchengeteka. Kana iwe wakatenga firimu, somuenzaniso, uye iwe uchibhadhara shandura yefenicha, iwe zvino wakabhadhara fenisha yemakore makumi matatu, iyo inogona kuva nehupenyu hunobatsira hwegumi.

  Kubhadhara makadhikiti asingateteki anobvisa chikwereti chiripo asi kana iwe usingamboshandisi makadhi zvakare. Funga kugura makadhi ako kana iwe wakakwanisa kuzviwana iwe kusvika kure mune chikwereti icho chaunoita chete ndeyekugadzirisa denga pamusoro pemusoro wako.

Refinance Benefits

• Pasi pemwedzi kubhadhara. Kana ukaronga kugara mumusha kwenguva yakareba zvakakwana kuti urege kupera pamutengo wekugadzirisa, mutengo wekuderera wepasi uye kubhadhara kuchaguma nekuwedzera kwemwedzi pamwedzi kutengesa mari.
• Kupfupisa nguva yekuita nguva. Kana rudiro rwako ruduku rwakanyanya kuderera kudarika yako yekare, iwe unogona kufunga kuchepeta nguva yekwereti yako nekutsinhanisa chekubhadhara chikwereti chepamusoro . Usati waita izvi, ona kana uchikwanisa kuisa chikamu ichocho chikuru kune imwe nzvimbo kuti uwane mari yakanakisisa yekudzoka.
• Cash in hand. Vakawanda vanowana mari yekuisa mari pachikwereti chepamusoro chekudzoka kudarika chikamu chechibereko.

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