Ma o ka hoʻohanaʻana i nā mea hāʻawi kālā no kā lākou hoʻoponopono, ua hiki i ka'aha'ōlelo ke kāpae i nā kānāwai he nui a me nā kānāwai likeʻole e pili ana i ka hana waiwai i ka'āina. Pono nā kaʻina hana e mālama iā RESPA, a laila hiki keʻae i ka mana o ka hoʻoponopono hoʻonohonohoʻana ma o lākou.
ʻO ka māhele o ka RESPA, "kahi pili kālā pili pili pili i ka pili pili."
I ka hopena o ka hoʻokaʻawaleʻana o nā loans i nohoʻia ma kekahiʻano ma o ka hōʻai'ē loiloi kālā a me ka hoʻolimalima kālā hoʻoiliʻana, hoʻopili ka RESPA i ka hapanui o nāʻoihana waiwai. ʻO wau e kamaʻilio nui nei no nā hōʻai'ē kālā mai Fannie Mae a me Freddie Mac. ʻO ke kaulike,ʻo nā mea hoʻopili ke kikowaena:
- ka nui o nā haʻawina i loaʻa ma kahi kuleana (kahi mua a iʻole ka hope) ma luna o ka waiwai noho;
- kūʻai i nā loans;
- ka manaʻo loea i nā manaʻo maikaʻi;
- nā hōʻai'ē refinance;
- loans no ka hoʻonuiʻana i ka waiwai;
- HELOC, home line line credits; a
- nā moemoeka hoʻololi.
E kāpiliʻia nā papa kūʻai kūʻai kūʻai, a me nāʻaelike'āina, inā e uku kālāʻia ka mea kūʻai aku i kahi o ka hōʻai'ē e kekahi kālā'ē aʻe ma kēlā waiwai i uhiʻia e RESPA.
ʻO ke kī ma kahi o nā loans i hoʻolakoʻia e Fannie Mae, Freddie Mac, USDA, VA, FHA, a me nā hui aupuni'ē aʻe.
ʻAʻole iaʻo keʻano o ka hōʻai'ē e like me keʻano o ke aupuni aupuni. E pili ana i nāʻano loina i hiki i kāu poʻe noi ke noi aku no ia meaʻo RESPA ka mea:
Ka Hoʻolimalima Kūikawā
ʻO kēia he moraki e kūpono ana i nā koi no ka palapala hoʻohālikelike maʻamau aʻaʻole i manaʻoʻia he moraki Jumbo eʻoi aʻe ma mua o kahi kiʻekiʻe iʻoi aku nā koi kūpono no ka hōʻoia.
Hoʻopuka pinepineʻia kēia mau mea e nā kāleka a me nā mea hōʻai'ē moraki.
FHA
Mālama ka Hale Hoʻoilina o ka Hale Hoʻoilina i nā hōʻai'ē moraki a lawe pololei i nā moraki. Ma hope o ka hopena i ka makahiki 2006, ua lilo ka loiloi FHA iʻoi aku ka kaulana ma muli o ka emi o ka uku kālā e like me 3.5%. ʻO nā loina'ē aʻe,ʻo nā loans kūikawā paha, ke koiʻia he 20% o nā uku. Eia ka mea a FHA i'ōlelo ai ma kā lākou pūnaewele:
ʻO ka misionari o ka Office of Housingʻo:
Hāʻawi i ka hana a me ka mālamaʻana i nā kaiāulu ola a me nā kaiāulu
Hoʻomau a hoʻonui i ka homeownhiphip, hale hoʻolimalima, a me nā manawa mālama
Hoʻolālā i nā kālepa hōʻai'ē ma nā manawa o ka hoʻopilikia waiwai
Hanaʻia me kahi kiʻekiʻe o ka lehulehu a me ka pili kālā
ʻIke a hoʻokaho i kāna mau mea kūʻai, nā limahana, nā kāpuni, a me nā hoa
VA
Hoʻolako pū ka'Ānaehana Veterans i nā loina, kekahi me ka uku aʻoiʻole hoʻi i uku no nā kauā. ʻOi aku lākou i nā mea kūʻokoʻa, i pili i kaʻano waiwai a me nā nānā. Eia ka mīkini mālia a VA:
"VA kōkua i nā lawelawe, nā kūpuna, a me nā kāne pono e ola ana e lilo i mau home. Ma keʻano o kā mākou misionari e lawelawe iāʻoe, hāʻawi mākou i nā pono kōkua kōkua home a me nā papa hana pili hale e kōkua iāʻoe e kūʻai, kūkulu, hana, mālama, a hoʻololi paha. home no kāu pono iho.
ʻO nā loina VA Loan e hoʻolakoʻia e nā mea hoʻokaʻawale lokomaikaʻi, e like me nā kāleka a me nāʻoihana moraki. Mālamaʻo VA i kekahi hapa o ka hōʻai'ē, e hiki ai i ka mea hāʻawi aku e hāʻawi iāʻoe i nāʻano kūpono. "
USDA
Ua mālama pinepineʻia ka 'Oihana o ka Mahi'Aihana ma keʻano he hōʻai'ē kālā, akā he polokalamu lākou no ka hōʻoiaʻiʻo i nā moraki ma nā' 'āpana' 'ā puni o ka'āina. Hiki i kekahi mau mea noi ke komo i loko o ka hōʻai'ē home a hiki i 110% o ka waiwai iʻikeʻia o ka home.
ʻO Fannie Mae lāuaʻo Freddie Mac
ʻO kēia nāʻokoʻa kūʻokoʻa-aupuni i hoʻokaheʻia e nāʻauʻauʻauhau ma hope o ka hopena hale. Ua maikaʻi lākou i kēia manawa a me ka mālamaʻana i nā moraki a puni ka'āina. ʻO lākou kokoke i nā hui nui e hōʻike ana i nā moemoeka noho.
ʻO Fannie a me Freddie Kala
Hoʻopili kēia mauʻona me nā hale i loaʻa i loko o kā lākou papa inoa a hoʻolaha aku iā lākou no ke kūʻaiʻana ma luna o nā pūnaewele me kahi kālā kūpono.
He ala maikaʻi loa ia e loaʻa ai kahi home i kahiʻaina me nā kālā kūpono, akā makemake lākou i nā pale hou.
ʻOiai he nui nā mea hōʻeha i waiho i kahi hewa no ka home a me ka moraki i hōʻehaʻia ma kēia mau hōʻoia a me ka loiloi maʻalahi, ua'ōleloʻia kekahi mau mea he nui loa nā mea kūʻai kūʻai hale me kaʻole o kēia mau polokalamu.