Isingakwanisi Mari 203K Rega Kubhadhara kusvika $ 35,000
Dan Tharp, mutero wekubhadhara chikwereti kuGuild Mortgage mu Sacramento, anotenda kuti vatengesi vepakutanga vanofanira kuwana rubatsiro rwavanogona.
Anoti vatengi venguva yokutanga vanowanzobviswa nevanogadzirisa kana kuodzwa uye vasina kugadzirirwa kugadzirisa basa rinodiwa kuti vauye nedzimwe dzimba kusvika nhasi. "Vatengi vanoita rutsoka rwavo pamukova," anodaro Tharp, "uye vanoti 'Tine basa rakawanda rekuita pano, uye hatizombotori.'"
Chikwereti chikwereti 203K chinogona kuva mhinduro.
Izvo Zvisingakwanisi Kubhadhara Mari 203K?
Zvaiwanzoita kuti iwe wakatenga imba uye wakakumbira mari yechikwereti chekukwanisa kuigadzirisa, zvichiita kuti zvikwereti zviviri. Asi vazhinji vanokweretesa havazoiti zvikwereti zvekare. Vamwe havazobhadhara zvikwereti zvakaenzana pakuvhara, kunyanya kana pasina kuenzana.
- Chikwereti chikwereti 203K chakafanirwa kuva chikwereti chekutanga chemari, zvichiita kuti chikwereti chimwe.
- Inogona kuva yakagadziriswa-inhamba kana yakasimbiswa-kutora chikwereti.
- Mari yekubhadhara inogona kudarika mutengo wemutengo weimba.
- Vanokwereta havakwanisi kubhadhara vadzidzisi vezvesayenzi, injini dzakabvumirwa, kana vavakadzi.
- Mucherechedzi weimba yako anogona kuisa pamwe runyorwa rwekurudzirwa kugadziriswa / kuvandudzwa. Iyi inzira inobatsira uye inokurumidza kuita.
Kukodzera Kugadziriswa uye Kuvandudzwa
Chikwereti Chikwereti 203K chinobvumira kugadzirisa nyore nyore kunogona kuongororwa zviri nyore uye kupera. Vakawanda vanoonekwa sekugadzirisa zvipfeko, asi zvimwe zvinoda kushandira kontrakiti yakabvumirwa kana ikangobva kune yakwereta nzvimbo yeunyanzvi.
Heino mvumo yekugadzirisa / kugadziridza kubva kuHUD, iyo inogona kuchinja chero nguva. Dzokorora kaviri urongwa urwu nemutengi wako waunoda.
- Rooti, mabote, uye pasi
- HVAC systems (kupisa, kubuda, uye air airing)
- Kupinza uye magetsi
- Minor kicheni uye mabhati ekugadzirisa
- Mafuro: chifuti, tile, matanda, nezvimwewo.
- Nechomukati nekunze kupera
- Mawindo matsva nemasuo
- Mamiriro ekunze-kubvisa uye kuvhara
- Kuvandudza kwevanhu vane hurema
- Simba rinobudirira kuvandudzwa
- Kuchengetedza kana kubvisa peji inotungamirirwa
- Zvidheka, mapaosi, mapuranga
- Basement completion nekudzivirira mvura
- Septic kana zvakanaka zvirongwa
- Kutenga kwekishani michina yemidziyo kana washer / dryer
- Kugadzirisa kana kubvisa padziva rekugezera pasi
Mamiriro Akasiyana neMagariro
- Hapana chikamu chekubhadhara chikwereti chinodiwa.
- Vanokwereta vanofanira kuwana nzvimbo yacho.
- Imba haigoni kuva isina misi kwemazuva gumi nemashanu.
- Basa rinofanira kupera mumwedzi mitanhatu.
- Basa rinofanira kuva nyanzvi.
- Kana basa racho richida mvumo, vakwereta vanofanira kuwana mvumo uye chiratidzo.
- Basa rinofanira kutanga mukati memazuva makumi matatu kubva pakuvhara.
- Zvose zvinovandudzwa kune zvivakwa zviripo zvinofanira kutevedzera HUD Zvido Zvishoma Zvidhaka (MPR) uye zvinosangana nematunhu emunharaunda.
Kugadziriswa Kusingabvumirwi
- Basa rekugadzira nzvimbo kana yadhi
- Major kugadzirisa
- Kufambisa rusvingo rwakatakura mutoro
- Kamuri kuwedzera kana kuwedzera-kumba
- Kugadzirisa zvivako zvakashata
Zvitsva zvitsva zvekushambira
Imba yakachena moto tub, spa, whirlpool bath, kana sauna
Bhengi mabheji, kunze kwemoto moto kana kuti hearths
Bhati dzimba
Tennis matare
Satellite dish
Kuvhima kwemuti (kunze kwekubvisa kuisa pangozi kune kuvandudzwa kwezvino)
Photo murals
Gazebos
Zvinoda Kuita Basa
- Vanokwereta vanogona kusarudza pakati pevatengesi vanobvumirwa.
- Uyo anokweretesa achadzokorora ruzivo rwekontrakiti, ruzivo, uye kutumira.
- Uyo anokweretesa achada kopi yekuenzanisa kwekontrakiti uye chibvumirano pakati pekontrakta nevakwereta.
- Vanokwereta vanogonawo kuronga kuita chimwe kana basa rose pasi pe "self-help" urongwa.
- Izvo-iyo-iwe purogiramu inoda kugovera iyo chikwereti nemagwaro anotsigira ruzivo rwekwereta, ruzivo, uye kukwanisa kuita basa rinodiwa.
Kubhadharwa Kwekubhadharwa
- Maximum maviri ekubhadhara kune mumwe makonkoniti, kusanganisira akakwereta, kupa munhu akwereta mabasa pasi pe "self-help" chirongwa.
- Hapana kana kupfuura 50% yekutanga inobvumidzwa.
- Izvo-iyo-zvipo zvako hazvirevi kushanda; chete zvinhu zvinodhura zvinotenderwa.
- Kubhadhara kwekupedzisira kunobhadharwa mushure mekutumirwa kwehupupuriro hwekubhadhara kune vanyori-makambani / vanotengesa kana zvimwe zvingangodaro vanobvunza.
Zvikonzero Zvokugadzirira Mari Inowanikwa pasi pe $ 15,000
- Mukwereti haafaniri kutarisa basa rakapedzwa.
- Mukwereti haafaniri kutenderwa kupa munhu wechitatu kutarisa basa rakapedzwa.
- Tsamba inobva kune akwereta kana makopi emakisikiti akawanikwa ichakwaniswa sezveruziro yekupedzisa, kupa mutengi asina chikonzero chekutarisa chechitatu chekuongorora kunodiwa.
DISCLOSURE: Guild Mortgage ndiyo mutengi wangu wandinoda.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.