FHA Ngongole Kwa Ogula Nthawi Yoyamba

Ngongole ndi Mapulogalamu a FHA kwa Ogula Nthawi Yoyamba

Phunzirani Zoyambira ndikusintha Mpata Wanu Wopeza Ngongole za FHA . Monga wogula kunyumba koyamba , mwina zambiri zosadziwika . Kaya ndi ngongole yanyumba yanyumba, mtundu wa ngongole yanyumba, kapena ngakhale zolipira zolipira, kusefukira kwazidziwitso zatsopano kumatha kukhala kochulukirapo. Tikufuna kukuthandizani kuphunzira pazinthu zina zomwe mwina sizingadziwike pamene mukukonzekera gula nyumba yako yatsopano .

FHA Ngongole Kwa Ogula Koyamba Kunyumba

Ngongole za FHA zimapindulitsa iwo amene akufuna kugula nyumba koma sanathe kusunga ndalama kuti agule, monga omaliza maphunziro awo aku koleji, omwe angokwatirana kumene, kapena anthu omwe akuyesetsabe kumaliza maphunziro awo. Zimathandizanso anthu kuti ayenerere ngongole ya FHA yomwe ngongole yake yawonongeka chifukwa cha bankirapuse kapena kuwonongedwa.

Ngongoleyi imagwiranso ntchito kwa ogula nyumba koyamba chifukwa imalola anthu kupeza ndalama zokwana 96.5% zanyumba yawo, zomwe zimathandiza kuti ndalama zisamathe. Ngongole za 203 (b) ngongole yanyumba Imeneyi ndi ngongole yokhayo yomwe 100% ya ndalama zotsekera ikhoza kukhala mphatso kuchokera kwa wachibale, bungwe lopanda phindu, kapena bungwe la boma.

Phunzirani za kutseka kwa FHA

Ambiri omwe amagula nyumba nthawi yoyamba amadabwitsidwa kuti kubweza kumene si chinthu chokha chomwe akusunga. Pali ndalama zoyambirira zofunika kuti mutseke ngongole yanu yanyumba, yomwe ingakhale yofunika, nthawi zambiri pakati pa 2 ndi 5% ya ndalama zonse zomwe mwabweza.

Mukamagula ngongole yanyumba, kumbukirani kufananiza mitengo yazotsalira zotseka, monga inshuwaransi ya eni nyumba, kuwunika nyumba ndi kusaka mutu . Nthawi zina, mutha kuchepetsa ndalama zotseka kufunsa wogulitsa kuti alipire gawo lawo (amadziwika kuti kugulitsa kwa wogulitsa) kapena kukambirana za komiti yanu yogulitsa malo . Zina mwazotsekera zomwe anthu amakonda kubweza mu FHA ndi monga:

• Ndalama Zoyambira Kubwereketsa
• Ndalama zotsimikizira
• Ndalama za loya
• Kuwerengera ndi ndalama zilizonse zowunika
• Mtengo wa inshuwaransi ya mutu ndi mayeso amutu
• Kukonzekera zolemba (ndi munthu wina)
• Kufufuza katundu
• Malipoti a ngongole

Malire A ngongole a 2021 FHA

FHA yawerengetsa ndalama zomwe zingabweretse ndalama kumadera osiyanasiyana mdzikolo. Izi zonse zimadziwika kuti malire a FHA ngongole. Malire a ngongole awa amawerengedwa ndikusinthidwa pachaka. Amakhudzidwa ndi mtundu wa nyumba, monga banja limodzi kapena duplex, komanso malo. Ogula ena amasankha kugula nyumba m'maboma omwe malire a ngongole amakhala okwera, kapena amayang'ana nyumba zomwe zikugwirizana ndi komwe akufuna kukhala.

MIP ndiye ngongole yanu yobweza ngongole yanyumba

FHA inshuwaransi yanyumba nthawi zambiri imaphatikizidwa pamalipiro onse pamwezi pa 0,55% ya ndalama zonse za ngongole, zomwe ndi pafupifupi theka la mtengo wa inshuwaransi yanyumba pamalipiro wamba. FHA itenga MIP yapachaka, yomwe ndi nthawi yomwe mudzalipira FHA ngongole yanyumba ya inshuwaransi pa ngongole yanu ya FHA.

MIP mitengo ya ngongole za FHA kwa zaka 15

Ngati mungapeze ngongole yanyumba yazaka 30 kapena china chilichonse pazaka 15, ndalama zanu zonse za inshuwaransi ya pachaka zidzakhala motere:

Momwe Mungakwaniritsire Ngongole Zogula Kwathu Koyamba

FHA ngongole kwa ogula koyamba. Pali mapulogalamu ambiri obwereketsa nyumba omwe amapereka kwa ogula koyamba. Ndipo ambiri a iwo ali ndi malangizo osinthika kuti akwaniritse omwe ali ndi mbiri yotsika, ndalama, kapena kupita patsogolo.

Nazi zofunika zofunika kuti mukhoze kulandira ngongole zodziwika bwino za omwe agula kunyumba nthawi yoyamba:

Kumbukirani kuti si malamulo onse omwe atchulidwa pamwambapa omwe amakhazikitsidwa mwala.

Mwachitsanzo, mutha kuyenerera ngongole ya FHA ndi ngongole zochepa ngati 500, bola ngati mungapereke 10% yolipira.

Kapena mutha kuyenererana ndi ngongole ya Fannie Mae ndi chiwongola dzanja chofika 50%, m'malo mwa 43%. Koma mudzafunika zina zolipira (monga akaunti yayikulu yosungira) kuti muyenerere.

Chifukwa chake fufuzani zosankha zanu za ngongole. Ngakhale mutakhala ndi zochitika zapadera, mwina ndizosavuta kuti muyenerere kukhala ogula nyumba koyamba kuposa momwe mukuganizira.

Momwe Mungakwaniritsire Ndalama Zogula Koyamba Kunyumba

Monga wogula koyamba kunyumba, kupeza ndalama zolipira ndi kutseka ndalama ndi chimodzi mwazovuta kwambiri. Mwamwayi, pali mabungwe ndi mapulogalamu ena omwe akupezeka kuti athandizire.

Boma lililonse mdziko muno lili ndi bungwe lazachuma , ndipo onse amapereka mapulogalamu apadera kwa ogula koyamba, atero a Anna DeSimone, wolemba Housing Finance 2020.

Akupitiliza kuti: Pafupifupi mabungwe onsewa ali ndi pulogalamu yothandizira kulipira. Mapulogalamuwa nthawi zambiri amapereka ndalama kuti zikuthandizireni kulipira ngongole, ndalama zomwe simukuyenera kubweza.

Kapenanso, thandizolo limatha kukhala ngati ngongole, zomwe zimatha kubweza mpaka nyumbayo itagulitsidwa kapena kubweza ngongole yanyumba.

DeSimone amanenanso kuti mabungwe nthawi zambiri amapereka ndalama zofananira ndi 4% yamtengo wogulira nyumbayo. Ndipo mapulogalamu ambiri amaperekanso thandizo lowonjezera kubweza mitengo yotseka.

Zachidziwikire, ngati mukuyenereradi kuti mudzalandire ndalama zogulira kunyumba koyamba kudalira zomwe zikupezeka mdera lanu.

A Angel Merritt, manejala wazanyumba wa Zeal Credit Union, akufotokoza kuti iliyonse yamapulogalamuwa ili ndi ziyeneretso zosiyanasiyana.

Nthawi zambiri, mungafunike ndalama zochepa zapa 640. Ndipo malire a ndalama atha kutengera kukula kwa banja komanso malo, Merritt akutero.

Amanenanso kuti, m'boma lake, pulogalamu yotchuka ndi Zothandizira kuchokera ku Michigan State Housing Development Authority , yomwe imalipira mpaka $ 7,500 pothandizira kulipira.

Ndani amawerengedwa ngati wogula koyamba kunyumba?

Aliyense amene amagula nyumba yake yoyamba amangogula koyamba.

Koma khulupirirani kapena ayi, kubwereza ogula nthawi zina amatha kukhala ogula nyumba koyamba, kuwalola kuti athe kulandira mapulogalamu apadera a ngongole ndi thandizo lazachuma.

M'mapulogalamu ambiri, wogula nyumba koyamba ndi munthu yemwe alibe malo pazaka zitatu zapitazi. -Ryan Leahy, Woyang'anira Zogulitsa ku Mortgage Network, Inc.

M'mapulogalamu ambiri, wogula nyumba koyamba ndi munthu yemwe alibe nyumba mzaka zitatu zapitazi atero Ryan Leahy, woyang'anira malonda ku Mortgage Network, Inc.

Umenewu ndi uthenga wabwino makamaka kwa ogula boomerang omwe anali ndi nyumba m'mbuyomu koma adagulitsidwa kwakanthawi, kuwonongedwa, kapena bankirapuse.

Pansi paulamuliro wazaka zitatu, anthuwa ali ndi njira yosavuta yobwerekera kunyumba kudzera munthawi yoyamba ngongole zaogulitsa nyumba ndi zopereka.

Malangizo kwa Ogula Koyamba Kunyumba Msika Wamakono

Suzanne Hollander ndi loya wazogulitsa nyumba ndi mphunzitsi wamkulu ku Florida International University. Anatinso, ogula koyamba amafunikiranso kuwonetsetsa ndalama zosachepera zaka ziwiri komanso ntchito zapano.

Kuphatikiza apo, obwereketsa ambiri akuchulukitsa mwachangu ndalama zochepa zomwe amafunikira kuti athe kulandira ngongole zambiri posachedwa chifukwa cha zovuta za COVID-19, Hollander akuti.

Kuthandiza ogula nyumba koyamba

Pulogalamu ya Zothandizira ndi mapulogalamu a ngongole Akatswiri ogula nyumba koyamba amapezeka m'mizinda ndi zigawo ku United States. Mapulogalamuwa amapereka chithandizo chifukwa cholipira pansi ndi / kapena kutseka mitengo m'njira zosiyanasiyana, kuphatikiza ndalama zothandizira, ngongole zopanda chiwongola dzanja, ndi ngongole zobweza mochedwa.

Amafunikira kwambiri malipiro ochepa . Ndondomekoyi imafotokoza za nthawi yomwe wogula azikhala munyumbayo, komwe kuli nyumbayo, kumene wogulayo amakhala kapena akugwira ntchito, komanso kuchuluka kwa ndalama zapakhomo kwa wopemphayo.

Dziwani kuchuluka kwanu kwa ngongole

Chimodzi mwazinthu zazikulu kwambiri zomwe ogula nyumba amakumana nazo ndi ngongole zochepa . Izi zitha kuchitika pazifukwa zambiri. Mwina mwaiwala kulipira ngongole yanu ya kirediti kadi kwakanthawi. Mwina simunalembetsepo kirediti kadi, zomwe zingatanthauze kuti mulibe mbiri yakubweza ngongole. Palinso kuthekera kwakanthawi kochepa kuti mwakhala mukubedwa komwe kumachepetsa kwambiri ngongole yanu.

Mosasamala chifukwa chake, chikole chochepa Zitha kutanthauza kulipira kwakukulu kapena chiwongola dzanja chachikulu kwa wogula nyumba . Ichi ndichifukwa chake ndibwino kuti mudziwe zambiri ndikuwunika momwe FICO ikuyendera kuti musayang'ane zodabwitsa. Ngati mukukhudzidwa ndi kuchuluka kwa ngongole yanu, Nazi njira zomwe mungachite:

• Onani lipoti lanu la ngongole. Ngati mukudziwa zomwe zili mmenemo, simuyenera kuwononga nthawi ndi mphamvu mukuganiza. Onani ngati pali zolakwika zilizonse ndipo ngati ndi choncho, kambiranani.
• Lipirani ngongole zanu ndi kirediti kadi. Khazikitsani zolipirira ndalama kudzera muakaunti ya kirediti kadi m'dzina lanu kuti muthandizire kukhazikitsa ngongole.
• Perekani nthawi! Malipiro akuchedwa kapena mochedwa atha kukhala pazakale zanu kwa zaka zambiri, ndikupangitsa kuti obwereketsa azimva ngati kukupatsani ngongole yanyumba zitha kukhala pachiwopsezo.

Zothandizira zothandizira kulipira

Malipiro omwe mumalipira ndi omwe mumapereka mukamagula nyumba. Zikuwoneka ngati ndalama zanu pangongole, chifukwa mutha kutaya ndalama mukapanda kukwaniritsa zomwe mumalandila mwezi uliwonse. Ngakhale ngongole zambiri wamba zimafuna kulipira mpaka 20% ya mtengo wonse wogula, Ngongole za FHA zimapangitsa kuti zinthu zisamavute pofunira kulipira 3.5% .

Mulimonse momwe zingakhalire, kupulumutsa ndalama zolipirira nyumba kumatha kukhala cholemetsa, chifukwa chake ndichinthu chanzeru kuyang'ana choyenera. thandizo lomwe lilipo Izi zithandizira kutsitsa mtengo wake. Mabungwe ambiri aboma ndi maboma amapereka mapulogalamu othandizira, monga ndalama zolipirira, kwa ogula oyambira kunyumba kuti awathandize kukwaniritsa zolipira ndikutseka zofunika pamtengo.

Onetsetsani kuti mukugwiritsa ntchito mapulogalamu a Down Payment Assistance omwe amaperekedwa ndi dera lanu, tawuni, kapena boma kuti muchepetse ndalama zanu zanyumba zoyambirira. Pezani fayilo ya pulogalamu yothandizira kulipira kwanuko.

Izi zikuchitika chifukwa wobwereketsa woyamba amagulitsa dziwe la ngongole za FHA kwa omwe amagulitsa msika wachiwiri. Otsatsa amawagula kuti azigwiritsa ntchito ndalama, ndipo alibe chidwi cholemba ngongole pangongole zochepa panthawiyi.

Randall Yates, CEO wa The Lenders Network, akuvomereza.

Obwereketsa ena omwe kale adalandira ngongole 580 za ngongole za FHA adachulukitsa kuchokera ku 620 mpaka 660, akutero Yates.

Ngati muli ndi vuto la ngongole, ndikupangira kuti mugwiritse ntchito nthawi yowonjezera yomwe tili nayo potseka kuti mukwaniritse ngongole yanu.

Kuti muwongolere ngongole yanu, Hollander akuonetsa malangizo awa:

• Itanani kampani yanu yama kirediti kadi ndikupemphani kuti muwonjezere ngongole yanu.
• Sungani ndalama zanu pansi pa 30% ya ngongole yomwe mumaloledwa
• Ngati simungathe kulipira ngongole panthawi, itanani kampani yanu yama kirediti kadi ndikupempha kuti mutumizireko popanda lipoti loyipa kuofesi yanu yobwereketsa.

Ndipo kumbukirani: nthawi yoyamba kapena ayi, mutha kupeza obwereketsa akufuna kukupatsani kusintha ndi malangizo awo.

Chifukwa chake, makamaka ngati mukufuna kulandira ngongole yanyumba, onetsetsani kuti mwayang'ana pafupi ndikufunsa mafunso ambiri musanapereke ngongole.

Mukamapempha ngongole yanyumba, musawope kufunsa mafunso pazofunikira, Merritt akuwonetsa.

Ngati wogulitsa ngongole sakufuna kufotokoza zonse, pezani wobwereketsa wina, Merritt akuwalimbikitsa.

Fufuzani ngati mukuyenera kukhala woyamba kugula

Njira yabwino yodziwira ngati mukuyenera kulandira ndalama kapena kuthandizidwa ndikulumikizana ndi oyang'anira nyumba kapena tawuni yomwe mukufuna kugula nyumba, a Leahy akulangiza.

Dziwani kuti ndalama zolipirira komanso kutseka mtengo wamalonda sizikulengezedwa kwambiri. Muyenera kukumba nokha kuti mupeze zinthu zomwe zilipo komanso zomwe mungayenerere.

Pankhani ya ngongole zanyumba, zinthu zimakhala zosavuta pang'ono.

Mutha kudziwa zomwe mukuyenera kulandira, komanso chiwongola dzanja chanu mtsogolo komanso kulipira mwezi uliwonse, mwa kugula pa intaneti.

Zamkatimu

• Ngongole ndi Mapulogalamu a FHA kwa Ogula Nthawi Yoyamba
• FHA Ngongole Kwa Ogula Koyamba Kunyumba
• Phunzirani za kutseka kwa FHA
• Malire A ngongole a 2021 FHA
• MIP ndiye ngongole yanu yobweza ngongole yanyumba
• MIP mitengo ya ngongole za FHA kwa zaka 15
• Momwe Mungakwaniritsire Ngongole Zogula Kwathu Koyamba
• Momwe Mungakwaniritsire Ndalama Zogula Koyamba Kunyumba
• Ndani amawerengedwa ngati wogula koyamba kunyumba?
• Malangizo kwa Ogula Koyamba Kunyumba Msika Wamakono
• Kuthandiza ogula nyumba koyamba
• Dziwani kuchuluka kwanu kwa ngongole
• Zothandizira zothandizira kulipira
• Fufuzani ngati mukuyenera kukhala woyamba kugula

• Kodi ndikufuna ngongole zingati kuti ndigule nyumba?
• Kodi ndiyenera kupeza ndalama zingati kuti ndigule nyumba ku USA?
• Zofunikira kugula nyumba ku California
• Boma Lithandiza Kugula Nyumba Kwa Nthawi Yoyamba
• Mabanki Omwe Amavomereza Kugula Nyumba
• Zofunikira Kuti Mugule Nyumba Yoyenda ku United States