Zvikwereti zveNharaunda: Hapana Zvirambidzo Zvemari, Hapana LLPA Kugadziridzwa, uye Yekutanga-Nguva Mutengi Benefits.

Kune vanotenga dzimba vari kutsvaga kutenga yavoPrimaryResidence Chete, Zvikwereti zveNharaunda zvinopa mhinduro yakajeka uye inokwanisika. Pasina zvigadziriso zveLLPA pakutenga, hapana zvirambidzo zvemari sezvimwe zvirongwa zvevabatsiri, uye sarudzo yekugamuchira yevanotanga kutenga imba, chirongwa ichi chinogadzira nzira nyowani dzekuva muridzi wemba. Kupfuura zvese, inoenderana zvisina musono nemazano eejensi, kuve nechokwadi chekuita kwakatsetseka, kunoenderana.

Sei SarudzaCommunity Zvikwereti?

1. Primary Residence Chete

Izvi zvikwereti zvakagadzirirwa dzimba dzaunoronga kugara mairi, kuve nechokwadi chekugadzirisa uye yakachengeteka mhinduro yedzimba yevatengi.

2. Hapana LLPA Kugadziridzwa kweKutenga

Mukana wakakura wechirongwa ichi kusavapo kwekugadziriswa kwemutengo wechikwereti (LLPA) yekutenga. Vatengi vanogona kuchengetedza chikwereti chavo vasina kutarisana nemari yakawedzerwa kana mitengo yakakwira inowanzoenderana nemitengo yeLLPA.

3. Hapana Zvirambidzo Zvemari Sezvimwe Zvirongwa Zvekubatsira

Kusiyana nezvirongwa zvakawanda zvemortgage izvo zvinomanikidza mari, Zvikwereti zveNharaunda zvinopa hapana zvirambidzo zvekuwana mari. Izvi zvinovhura musuwo kune huwandu hwakakura hwevatengi, zvisinei nedanho remari, zvichiita kuti muridzi wemba awedzere kuwanikwa.

4. Yekutanga-Nguva Vanotenga Kumba Vanogamuchirwa

Kana iwe uri kutenga imba yako yekutanga, chirongwa ichi chinorerutsa maitiro ekukodzera, ichipa nzira yakajeka yekuva muridzi wemba pasina zvipingaidzo zvisina basa.

5. Tevedza Agency Guidelines

Nharaunda Zvikwereti zvinoomerera kuFannie Mae naFreddie Mac zviyero, kusanganisira:

- DU/LPA zvakawanikwa zvekunyora pasi.

- Standard appraisal zvinodiwa.

-Imari uye zvinyorwa zveasset zvinoenderana negwara rebazi.

Izvi zvinoita kuti kuve pachena, kuvimbika, uye kutevedza mukuita kwese kwechikwereti.

Zvikuru zvePurogiramu

-Inokodzera Zvivakwa: 1-unit, PUDs, uye 2-4 unit dzimba. Zvivakwa zvisingabatanidzwe zvinosanganisira macondos, dzimba dzakagadzirwa, uye ivhu rekurima.

- Sarudzo dzeChikwereti: Yakagadziriswa-mwero sarudzo dzinowanikwa mumakore makumi matatu uye gumi nemashanu-makore, kusanganisira zvikwereti zvakakwirira.

- FICO Score Zvinodiwa: Nhamba shoma ye620 inodiwa, zvichienderana neAUS (Automated Underwriting System) zvakawanikwa.

Yakanakira Yekutanga-Nguva Vanotenga Kumba

Kune vekutanga vanotenga dzimba, iyo Community Loan chirongwa isarudzo yakanaka. Kusavapo kwezvirambidzo zvemuhoro uye kugadzirisa kweLLPA pakutenga kunogonesa kukwanisika, nepo maitiro anoenderana neagency anoita kuti kukodzera kuve nyore uye kutwasanuka. Kunyangwe iwe uri kubva pakuroja kana kutenga yako yekutanga chivakwa, chirongwa ichi chakagadzirirwa kuzadzisa zvaunoda.

Mhedziso

Chirongwa cheCommunity Loan chinotsanangura zvakare kugona uye kuwanikwa kwevatengi vari kutsvaga kutenga yavo Yekutanga Yekugara Chete. Nemabhenefiti senge pasina LLPA zvigadziriso pakutenga, hapana zvirambidzo zvemari sezvimwe zvirongwa zvevabatsiri, uye kukodzera kwakakosha kune vekutanga vanotenga dzimba, zvinobvisa zvipingamupinyi zvinowanzoita kuti muridzi wemba anzwe kusasvika.

Kana iwe wagadzirira kutora danho rinotevera rekuve nemba, Nharaunda Zvikwereti zvinopa yakavimbika, agency-inoenderana mhinduro yakagadzirirwa kukwana zvaunoda.