Mushure mokutengeswa kwematambudziko
Nenzira yakawanda, mapurogiramu aya akagadzirirwa kubatsira varidzi vemunharaunda - uye dzimwe nguva vatengesi - vanoenda pachena-vanilla zvikwereti nemadhora akaderera.
Mune zvimwe zviitiko, iwe unofarira kutora kana kutora mwedzi pamwedzi kunofanira kuderera (kunze kwekuti iwe uri kutama kubva kune chinogadziriswa chekubhadhara chikwereti kusvika kune yakatarwa kutenga mortgage ) uye iwe kazhinji haugoni kutenga chero mari. Chero mamiriro ezvinhu, refinancing inofanira kuvandudza mamiriro ako ezvinhu nekukubatsira kuti uende mberi.
Kuita Kuti Imba Igare Yakakosha
Nzira inonyanya kukosha yekugadzirisa zvirongwa ndeyo Kuita Home Affordable (MHA) program. Iyi purogiramu inoshandisa nzira dzakasiyana siyana, kusanganisira kubatsiridza rubatsiro, kugadziridza chikwereti , uye rubatsiro kune vasingashandi. Enda kunzvimbo yeMHA kuti uwane zvinyorwa zvitsva pazvirongwa zvitsva uye kuchinja kune zvirongwa zviripo. MHA inopawo Imba yeHOPE yeHIVE, iyo inoshanda neHUD-yakagamuchirwa mazano, uye vanokwereta vanogona kudana 24/7 (888-995-HOPE).
Imba inoshandiswa Refinancing Program (HARP)
Imba inoshandiswa Refinancing Program (inonzi HARP kana HARP 2.0 ) ndiyo purogiramu huru yekugadzirisa MHA.
HARP inobvumira vagari vomunharaunda kugadzirisa zvimwe zvikwereti kunyange kana vane chikwereti kupfuura imba yavo yakakodzera (kana vari "mumvura" pane chikwereti). HARP yave iine kubudirira zvishoma chete nokuti zvakave zvakaoma kune vimba vemhuri kuti vakwanise kupinda purogiramu.
Kuti uwane chikamu cheHARP, chikwereti chako chinofanira kubatwa naFannie Mae kana Freddie Mac (zhinji zvikwereti zvinosangana nemudiwa uyu).
Kunyange kana iwe ukaita chikwereti kune mumwe munhu - sebhangi, somuenzaniso - chikwereti chako chinogona kunge chiri pane Fannie kana mabhuku aFreddie.
Refinancing FHA Mari
The Federal Housing Administration inopawo purogiramu yekugadzirisa varidzi veminda neFHA zvikwereti. Kufanana nepurogiramu yeHURP, FHA's Streamline Refinance Program inokubvumira kunatsiridza mari iri pasi pemvura . Mukuwedzera, iwe unogona kuwana mutengesi wakaitwa nemabhuku maduku. Kuti uwane ruzivo rwekugadziriswa kwemvura, unofanira kunge uine chikwereti cheFHA . Taura nemutengi wako wekukwereta kana mumwe mutero weFHA-unogamuchirwa kuti uwane mamwe mashoko
Refinancing VA Mari
Vanokwereta neVV zvikwereti vanogona kukwanisa kugadzirisa neInteral Rate Reduction Refinancing Loan (IRRRL) program. Iyi purogiramu inokubvumira kuti uwane mvumo itsva yeV VA nechikwereti chakanaka chekufarira. Hapana kuongorora kunodiwa neVA, asi vanokweretesa kuti munoshanda navo kunoda kuongorora. Kana imba yako iri pasi pemvura, unogona kutengesa kune chikwereti chichaenderera mberi pasina kuongorora. Chero nzira, iri pfungwa yakanaka yekutaura kune vakasiyana-siyana vakweretesa kuitira kuti iwe uwane zvakanakisisa kubata.
Kuti uwane mamwe mashoko pamusoro peRRRR, taura kune chero chikwereti chinotarisira VA zvikwereti (yako chikwereti chiripo inzvimbo yakanaka kutanga).
Refinancing USDA Mari
Sezvakanyorwa izvi, USDA refinancing mapurogiramu achiri kushandiswa. Kusvika ikozvino, Imba Yemhuri Imba Yakagadziriswa Rural Refinance Pilot Program inongowanika muna 19 yezvinotambudza zvakanyanya nyika. Kufanana nemamwe mapurogiramu, purogiramu ino yakagadzirirwa kubvumira vari pasi pevakweretesa mvura kunatsiridza pamadhora maduku nemabhuku mashoma. Mutyairi wacho anotarisirwa kuti apedze gore ra2014, asi zvingave zvakakodzera nguva yako kuziva kuti yakawedzerwa munzvimbo yako.
Kuti uone kana iwe uchigona kugadzirisa, taura chero USDA Rural Development Office kuburikidza neDailyA.gov.
Zvimwe Zvingasarudzwa
Zvakadini kana chikwereti chako chisina Fannie Mae , Freddie Mac , FHA, kana VA? Zvimwe zvekugadzirisa zvirongwa zvinowanikwa kune zvikwereti zvisiri zvehurumende zvakabhadharwa. Zvisinei, mapurogiramu aya anodzivirira uye anoda kuti muteveri wako wamunharaunda aite.
FHA's Short Refinance purogiramu inogona kukubatsira kuti upinde muFHA Loan iyo iri pedyo neimba yako yemari yemari . IFHA Second Lien Program (FHA2LP) inobatsira kutarisana nechipiri chekutengesa .
Hapana weMusoro?
Kana pasina mapurogiramu ari pamusoro apa akakodzera iwe, iwe unogonazve kuedza kugadzirisa nebhangi chero ripi zvaro kana kukwereta. Zvisinei, zvinogona kuva zvakaoma, kunyanya kana imba yako iri pasi pemvura, kana chikwereti chako chiri kutambura, kana kuti iwe wakarasikirwa nemugove wemari. Mune zviitiko izvi, nguva dzose zvinokodzera kubvunza, asi zvinetso hazvina kunaka. Kana iwe usiri kuva nerombo, taura neHUD-avo vakagadziriswa mazano uye vambisi vechokwadi vanobhadhara chikwereti kuti vawane pfungwa dzakawanda.