FHA Mari Inotakura Mitengo Yakawanda Yeimba Kuzvitenga kana Kudengesa
FHA chikwereti chakatanga kurasikirwa nekunonoka kwekupera kwema1990, apo tsika dzepamusha dzakatanga kutenderera mberi, zvakanyanya kudarika FHA kutengesa mitsara, uye vatengesi vakanyatsotarisana neFHA zvakanyanya kuongororwa mazano uye mari yakakwirira ye mortgage inshuwarisi. Izvo zvakabva kubvira zvashanduka. Usatsauswa munzira dzekare dzekufunga. FHA mirayiridzo yasvika uye yakanyanyisa zvikuru.
Nzira iyo FHA Inoshandisa Kushanda
Chokutanga, ngatitsvei pfungwa shomanana. Kutanga, FHA haiti mvumo kana chikwereti chezvikwereti . Inobhadhara zvikwereti. Inishuwarensi inobvisa kana kuderedza zvisizvo zvinokonzerwa nevatengi kune ngozi apo vatengi vanoisa pasi pasi pe20 muzana. Pasina kubvumirwazve naFHA, vatengi varo vanobvumirwa vanobvumirwa ku:
- Tora mapurisa ekubhadhara
- Process loan loan applications
- Nyora pasi uye uvhare chikwereti
FHA Mortgage Limits
Vabereki vangu vakatenga imba yedu yekutanga muna 1955 ye $ 9,000 neine FHA chikwereti. Zvinenge zvisingafungidziki kufunga nezvekudhura kwemusha nhasi. Somugumisiro, FHA nguva nenguva inoshandura chikwereti chemari.
Kubva munaJanuary 1, 2009, iyo yakawanda inotora chikwereti muzvikwereti zvakakwirira ndeye 115% yemitengo ye median, kwete kudarika $ 625,500. Zvose zvinokonzerwa nemari yemari ndeye $ 417,000 kune imwe chete-mhuri yekugara munyika yose. Nharaunda yako inogona kutsigira chikwereti chepasi. Heino nzira yekuwana yako FHA chikwereti chikamu.
FHA Mari Inobvumira Chiremera Chikwereti Nhoroondo
Kana chikwereti chako chisina kukwana, FHA inogona kuva chikwereti kwauri. Iwe unogona kukodzera chikwereti cheFHA kunyange iwe wakanga uine matambudziko emari.
- FICO zvikoro zvingave zvakaderera kune izvo zvechikwereti chinowanikwa.
- Kushungurudza. Iwe unogona kuwana chikwereti cheFHA chikamu chimwe chete pamakore maviri kubvira pazuva rawakapedza kubhadhara , chero bedzi iwe wakachengetedza zvakanaka chikwereti sezvo chikwereti chako chabudiswa.
- Kufananidzira. Kana iwe ukachengeta chikwereti chako muchimiro chakanakisisa kubvira pakatarisa, chikwereti cheFHA chichave chawanikwa kwauri makore matatu kubva pazuva rokupedzisira rekufambisa kwako.
FHA Inotora Boast Competitive Rates nemitemo
Mazuva ano mazwi akanaka chaizvo. Kutaura zvazviri, mumisika zhinji, mari uye mitemo zviri nani kune iyo ye 80% / 20% piggyback zvikwereti.
- Pane zvishoma kana kuti hazvina kugadziriswa kune chikwereti chechikwereti chechikwereti cheFHA, sezvo mitengo inowirirana mukati .125 muzana yekwereti yakatarwa.
- Inishuwarenzi yemu mortgage inobhadharwa mune chikwereti, zvinoreva kuti purogiramu yepamusoro inowedzera kune chikwereti chemari panzvimbo yekubhadhara kunze kwehomwe. Mukuwedzera, chikamu chiduku chebhadharo yeruzhinji yeruzhinji inowanikwa kune kubhadhara kwemwedzi wega, asi iri pasi pepasimende yepa mortgage yeruzhinji.
- Kubva munaJanuary 1, 2009, vateresi vanogona kubhadhara 96.5% yemutengo wekutenga uye kuisa pasi 3.5 muzana. Mune mamwe mamiriro ezvinhu, kana akabatanidzwa nedzimwe mhando dzezvikwereti, kubhadhara kuripo kunogona kuva zero.
- Mvumo yemvumo yakagadziriswa yakakwirira kudarika chikwereti chezvikwereti zvinokonzerwa nezvikwereti zvekare.
FHA Mazano Anoda Zvishoma Kudzokorora
Pane imwe nguva, kuda kwekugadzirisa kweFHA kwaive kwakanyanyisa zvokuti vatengesi vaizobvisa purogiramu yemutengo kune vatengi vanobvumirana kuwana zvikwereti zvekare kune FHA zvikwereti. Nhasi magwaro eFHA yekugadzira anowedzera zvakajeka.
- Denga rakasvibisa iro rinoramba richida kuchinjwa asi denga rekare harifaniri kudzorera kana risina kukwana.
- Mawindo anonamatira pavhura kana kuti akaputika mashizha haadi kushandurwa.
- FHA kuongorora hautori nzvimbo yekuongorora kweimba uye hauna kumbove nayo. Vatengi vanofanira kuramba vachiwana nyanzvi yekuongorora imba.
FHA zvikwereti zvinowanikwa kune chero mutengesi weimba anenge achida kutora nzvimbo yacho asi anoshandiswa kakawanda nevana vekutanga venguva yekudzokera kumusha uye vanotengesa kusvika kune imwechete. Zvisinei, hapana mari yekukwanisa kuwana. Kunyange mamiriyoni anogona kutora chikwereti cheFHA, zvichienderana nehomwe yezvikwereti zvitsva zvichibva munzvimbo.
Utungamiri hweTrump Wakabviswa FHA Mitsara Yokubhadhara Inotorwa neB Obama
Nguva pfupi Mutungamiri Obama asati asiya hofisi, hutungamiri hwake hwakagadzirisa nzvimbo yeFHA iyo yakagadziriswa yakanga yaifanira kutanga kushanda musi waJanuary 27, 2017. Izvi zvitsva zvekutungamirira zvakaderedza mari yeMIP (mortgage inshuwalimi premium) mune dzimwe nguva kubva .85 kusvika. 60 (yakasiyana nematrice). Nheyo-nheyo yekutsvaga yakagadzirwa nehurumende yeBritain muedza kuregeredza kuwedzera kwezvikwereti uye kuwedzera nhamba yevakwereta avo vaizokodzera chikwereti cheFHA. Yakanga ifanotaurwa kuchengetedza vashandi vemusha vanenge $ 500 pagore.
Mazuva mashomanana ekutora mahofisi, Mutungamiri Trump akabvisa iyi kuderedzwa kwekukwereta kweFHA. Kunyange zvazvo vamwe vangave vachikakavhiringidza kumira kwebato raB Obama rakagurwa naVaMutungamiri Trump vanotora rubatsiro rwakanga rusati rwagamuchirwa nemumwe munhu, kutendeuka kusingatarisirwi kwakanonoka boka rekuvhara zvivako zvakagadzirirwa pakupera kwaJanuary 2017. Nokuti mari ye FHA chikwereti chakanga chachinja, TRID mitemo yaida kuti makambani ekubhadhara zvikwereti kuti adzokere zvakare uye ape vatengi zvimwe zvebhizimisi zvitatu vasati vatengesa zvinyorwa zvemari.
Mune imwe nguva yakadai, mutengi mu Sacramento akanga achitenga kutengesa kutsva, netsamba yemvumo yekutengeswa shoma yakapera musi waJanuary 30, 2017. Zviito zveTump zvakadzivisa mutengi kuti apedze kutengesa kutsva musi waJanuary 30. Taifanira kunyengeterera chikwereti chiduku kuti atipe mamwe mazuva maviri okuvhara kukwidza, uye kunyange zvazvo mutengesi akanga asingasungirwi kupa ruzivo rwekuwedzera, bhangi rakanzwisisa dambudziko redu ndokupa mamwe mazuva maviri.
Mutsamba yakabudiswa neNational Association of Realtors, Mutungamiri William E. Brown vakataura kuti vagari vemunharaunda 750 000 kusvika ku850 000 vachabhadhara zvakawanda kuti vawane chikwereti cheFHA pasi pekutungamira kwaVaMutongi Trump.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.