12/05/2023

Kuvhura Muridzi Wepamba Pasina Dambudziko reKubhadhara Pazasi

Kurota kweimba yeimba kunowanzouya nechinetso chekuchengetedza mari yekubhadhara, asi zvakadini kana paiva nenzira yekupfuura ichi chipingamupinyi?Pinda nyika ye "No-Down Payment Mortgages," nzira yezvemari inoita kuti kuve neimba kuve nyore.Mugwaro iri, isu tichaongorora mamiriro epasi-pasi kubhadhara mbavha uye tinoratidza vamwe vakanyanya kukweretesa vanopa idzi mhinduro nyowani.

Kunzwisisa No-Down Payment Mortgages

Zvikwereti zvechinyakare zvinowanzoda muripo wakadzika, kazhinji zvichiita kuti zviome kune vanhu kana mhuri kupinda mumusika wedzimba.Zvikwereti zvisingabhadhare-pasi, zvisinei, zvinorerutsa mutoro uyu nekubvumira vanokwereta kuti vawane chikwereti chemba pasina kudiwa kwekubhadhara kwakakura kwepamberi.Iyi nzira inovhura magonhi ehuwandu hwakasiyana-siyana hwevanoshuvira varidzi vedzimba, kusanganisira vatengi vekutanga uye avo vane mari shoma.

Hunhu Hunokosha hweNo-Down Payment Mortgages

1. 100% Zvemari Sarudzo:
   • Overview: No-down pay mortgages inopa vanokwereta mukana wekubhadhara mari yese yekutenga kwavo imba, kubvisa kudiwa kwekubhadhara.
   • Impact: Iyi ficha inonyanya kubatsira kune avo vangangove vasina mari yakawandisa asi vachiri kuda kutanga rwendo rwevaridzi vemba.
2. Flexible Qualification Criteria:
   • Pfupiso: Vanokweretesa vanopa zvikwereti zvisingabhadhare-pasi vanowanzo shandisa maitiro anochinjika ekukodzera, vachifunga nezvezvinhu zvinopfuura zvechinyakare kiredhiti mamakisi uye yepasi kubhadhara.
   • Mhedzisiro: Vanokwereta vane mamiriro emari akasiyana, kusanganisira avo vane nhoroondo shoma yechikwereti, vanogona kuongorora muridzi wemba zviri nyore.
3. Zvirongwa Zvinotsigirwa neHurumende:
   • Pfupiso: Vamwe vevakweretesi vakanyanya kusabhadhara mari yembavha vanotora chikamu muzvirongwa zvinotsigirwa nehurumende, senge USDA zvikwereti, VA zvikwereti, uye FHA zvikwereti.
   • Mhedzisiro: Zvirongwa izvi zvinowedzera mamwe mabhenefiti, akadai semitengo yakaderera yemubereko uye zvimwe zvinoreruka zvechikwereti zvinodikanwa, zvichiita kuti vanokwereta vakwanise kukwereta.

Akanyanya Kukweretesa Kune No-Pasi Kubhadhara Mortgages

1. Quicken Zvikwereti:
   • Strengths: Quicken Zvikwereti zvinozivikanwa nekuita kwayo kwepamhepo mortgage application uye inopa zvirongwa zvakasiyana, zvinosanganisira FHA neVA zvikwereti, zvine zvakaderera kana kusabhadhara pasi zvinodiwa.
   • Kufunga: Vanokwereta vanokoshesa mushandisi-ane hushamwari interface uye ruzhinji rwezviwanikwa zvedzidzo zvinopihwa neKurumidza Zvikwereti.
2. Wells Fargo:
   • Strengths: Wells Fargo mutambi mukuru mumusika wemortgage uye anopa sarudzo senge VA neFHA zvikwereti, zvinopa kune vanokwereta vari kutsvaga mhinduro dzekusabhadhara-pasi.
   • Kufunga: Wells Fargo's yakakura bazi network inogonesa vanokwereta kuti vawane mu-munhu rutsigiro uye nhungamiro mukati mekuita kwembareti.
3. USDA Rural Development Loans:
   • Strengths: Iyo USDA inopa kwete-pasi-yekubhadhara zvikwereti kuburikidza neiyo Rural Development chirongwa, ichitarisa kunzvimbo dzakakodzera dzekumaruwa nemaguta.
   • Kufunga: Vanokwereta vanofanirwa kuongorora iyo chaiyo yekukodzera maitiro uye zvipimo zvenzvimbo zvine chekuita nezvikwereti zveUSDA.
4. Navy Federal Credit Union:
   • Strengths: Navy Federal inonyanya kushandira nhengo dzemauto nemhuri dzavo, ichipa VA zvikwereti pasina kubhadhara zvinodiwa.
   • Kufunga: Maitiro enhengo anoshanda, uye vanokwereta vanofanirwa kuongorora yakazara sutu yemasevhisi emari anopihwa neNavy Federal.

Mabhenefiti uye Mafungiro kune Vanokwereta

1. Pakarepo Kupinda muKuva Mumba:
   • Advantage: Kusina-pasi kubhadhara zvikwereti zvinopa nzira yekukurumidza yekuti vanhu kana mhuri dzipinde muvaridzi vemba pasina kunonoka kuchengetedza mari yekubhadhara.
   • Chengetedzo: Vanokwereta vanofanirwa kurangarira zvinorehwa nezvemari kwenguva refu uye vova nechokwadi chekuti mari yembavha yepamwedzi inopindirana nebhajeti ravo.
2. Mhando dzakasiyana dzeMari:
   • Zvakanakira: Iwo akasiyana-siyana anotsigirwa nehurumende uye akajairwa echikwereti zvirongwa zvinopa vanokwereta kuchinjika mukusarudza yakanyatsokodzera mamiriro avo akasiyana.
   • Kufunga: Kunzwisisa iwo chaiwo mazwi, mubereko, uye nzira yekukodzera yechirongwa chega chega kwakakosha pakuita sarudzo ine ruzivo.
3. Kunobvira Kuchengeta Mutengo:
   • Zvakanakira: Zvikwereti zvisingabhadhare-pasi zvinogona kukonzeresa kuchengetwa kwemutengo pakutanga, zvichibvumira vanokwereta kuti vagovere mari kune dzimwe mari dzine chekuita neimba.
   • Kufunga: Vanokwereta vanofanira kuongorora zvinorehwa nemitengo yenguva refu, kusanganisira mibairo uye zvingangodiwa inishuwarenzi yembavha.

Mafungiro kune Vanokwereta

1. Mari Yakagadzirira Kuongorora:
   • Kurudziro: Vasati vasarudza kubhadharisa mari yemba isina-pasi, vanokwereta vanofanira kunyatsoongorora hurongwa hwavo hwemari, vachifunga zvinhu zvakaita semari yakagadzikana, nhoroondo yechikwereti, uye mari ichashandiswa mune ramangwana.
2. Tsvakurudzo uye Kuenzanisa:
   • Kurudziro: Kutsvaga uye kuenzanisa zvinopihwa zvevakweretesi vakasiyana, kusanganisira mareti emubereko, mubhadharo, uye ongororo yevatengi, kwakakosha mukuona iyo yakanakisa kuenderana nezvinodiwa nemunhu.
3. Kunzwisisa Zvido zvePurogiramu:
   • Kurudziro: Vanokwereta vanofanira kujairana nezvinodiwa chaizvo zvechirongwa chakasarudzwa, ingave iri VA, FHA, kana USDA chikwereti, kuti vaone kuti vazadzisa zvese zvinodiwa.

Kufamba neApplication process

1. Pre-Approval process:
   • Nhungamiro: Kuwana pre-mvumo kubva kune vanokweretesa inhanho yekutanga.Inopa vanokwereta kunzwisisa kwakajeka kwebhajeti yavo uye inosimbisa chinzvimbo chavo munhaurirano.
2. Kubvunzana neMortgage Professionals:
   • Nhungamiro: Kudyidzana nevashandi vemortgage, kunyanya avo vane ruzivo mune-pasi-pasi kubhadhara zvikwereti, zvinogona kupa ruzivo rwakakosha uye nhungamiro mukati mekuita kwekunyorera.
3. Kukurukurirana Kwakajeka nevakweretesi:
   • Nhungamiro: Kuchengeta kutaurirana kwakasununguka nevakweretesi kwakakosha.Vanokwereta vanofanirwa kutsvaga tsananguro pane chero chikamu chematemu ekukweretesa kana maitiro ekunyorera angave asina kujeka.

Mhedziso: Kuvhura Masuo Ekuva Varidzi Vepamba

Kwete-pasi-yekubhadhara zvikwereti zvinomiririra nzira inoshandura kuva muridzi wemba, zvichiita kuti chiroto chekuva nenzvimbo yekudaidza imba kuti chizadzike kuruzhinji rwevanhu nemhuri.Sezvo vanokwereta vachiongorora vakweretesi vepamusoro vanopa idzi mhinduro nyowani, tsvakiridzo yakakwana, kutaurirana kwakajeka, uye nzira yekuronga mari inova zvinhu zvakakosha mukufamba rwendo urwu rwunonakidza rwekuva muridzi wemba pasina dambudziko rekubhadhara pasi.

Chirevo: Ichi chinyorwa chakagadziridzwa neAAA LENDIS;mamwe emifananidzo akatorwa kubva kuInternet, nzvimbo yesaiti haina kumiririrwa uye haigone kudhindwa zvakare pasina mvumo.Pane njodzi mumusika uye mari inofanira kungwarira.Ichi chinyorwa hachiumbe zano rekudyara wega, uye haritarise zvinangwa zvekudyara, mamiriro emari kana zvinodiwa zvevashandisi vega.Vashandisi vanofanirwa kufunga kuti chero maonero, maonero kana mhedziso dzirimo dzirimo dzakaenderana nemamiriro avo ezvinhu.Isai mari zvinoenderana nenjodzi yenyu.