12/05/2023

Wakambozviwana uchinetseka here neshoko rokuti "HELOC” ndokushamisika kuti zvingakubatsira sei?Kana kuti wakagumburwa pamamwe mazwi senge "Hapana Prepaid Penalty" uye "Low Closing Cost" uye wakashamisika kuti angave anobatsira sei mumamiriro ekukweretesa?Yasvika nguva yekuburitsa mazwi aya!

Chii chinonzi HELOC

HELOC, chidimbu cheHome Equity Line yeChikwereti, imhando yechibatiso chechipiri chinobvumira varidzi vedzimba kukwereta mari maererano nemutengo weimba yavo.Equity yemba yako inoverengerwa nekubvisa chero zvikwereti zviripo kana zvikwereti kubva pamutengo wemusika wepamba wako.HELOCs anowanzo shandiswa pamari hombe senge kuvandudza imba, koreji tuition, kana kubhadhara chikwereti chemari yakawanda.

HELOCs inoshanda zvakada kuita sekadhi rechikwereti, kwaunenge uine muganho wechikwereti (zvichienderana neako equity yemba) uye anogona kukwereta kusvika painogumira panguva ye "nguva yekudhirowa" - kazhinji makore gumi.Zvichitevera izvi, nguva yekubhadhara inotanga, kazhinji makore gumi nemashanu kusvika makumi maviri.

Hapana Prepaid Penalty

Chirango cheprepaid, chinozivikanwawo sechirango chekubhadhara kare, igadziriro iri mukondirakiti yekukwereta inotaura kuti mukwereti achabhadhariswa muripo kana akabhadhara chikwereti nguva isati yasvika.Vanokweretesa vanoshandisa zvirango zveprepayment kuti vazvidzivirire kubva mukurasikirwa nemari yemubereko ingadai yakabhadharwa kweupenyu hwese hwechikwereti.

Chimwe chezvinhu zvinoita kuti aHELOCzvakatonyanya kunaka ndeye "Hapana Prepaid Penalty" ficha.Izvi zvinongoreva kuti iwe unogona kubhadhara chikamu chechikwereti chako cheHELOC pamberi penguva yako pasina imwe chirango chemari.Izvi zvinonyanya kubatsira kana iwe ukangoerekana wapinda mari uye uchida kudzikisira chikwereti chako uye kuchengetedza pamubhadharo wemangwana.

Mutengo Wakaderera Wokuvhara

Mari yekuvhara ndiyo mibhadharo yakasiyana-siyana uye mari inobhadharwa pakuvharwa kwekutengeserana kweimba apo zita reimba yacho rinotamiswa kubva kumutengesi kuenda kumutengi.Vanowanzova pakati pe2% ne5% yemutengo wekutenga weimba yacho asi inogona kusiyana zvichienderana nenzvimbo yeimba uye rudzi rwechikwereti.

Kana zvasvika kune zvikwereti kana zvikwereti, mari yekuvhara dzimwe nguva inogona kuuya sechishamiso chisingafadzi.Iyi imari yekubhadhara pamusoro pechikwereti iyo inowanzoenderana nekuongorora, mabviro, kana muripo wemutemo, unogona kuwedzera.Chii chinoita yeduHELOCzvinotonyanya kufadza itarisiro yemitengo yakaderera yekuvhara.Musoro uye Escrow Kuvhara masevhisi Mari $370- $ 650 (kuvhara neTitle Company iyo inofanirwa kusarudzwa neAAA LENDINGS).

Zvinhu Zvokurangarira

Nepo zvakanakiraHELOC, Hapana Prepaid Penalty, uye Low Closing Cost zviri pachena, zvakakosha kuziva kuti HELOCs inouya neseti yavo yenjodzi.Nekuti imba yako inoita sechibatiso, kutadza kubhadhara chikwereti kunogona kureva kurasikirwa nemba yako.Zvakakoshawo kuti unzwisise kusiyana-siyana kwemhindu ine chekuita neHELOCs.Saka zvakakosha kuti utarise zvipingaidzo izvi pamwe chete nemabhenefiti usati waita sarudzo yekuti HELOC iriyo sarudzo yakakukodzera.

Mukupedzisa, kushandisa aHELOCinogona kuva nzira inoshanda yekubata muequity yemba yako pamari hombe.Zvimiro zvayo zvakaita seNo Prepaid Penalty zvinopa kuchinjika muchirongwa chako chekubhadhara, uye Mari Yekuvhara Yakaderera inoderedza chikwereti chako chose.Zvakadaro, zvine hungwaru nguva dzose kuti unzwisise zvizere uye utarise zvirevo zvechero chikwereti usati wasaina pamutsetse une madoti.

Nezve AAA Lendings

Yakavambwa muna 2007, AAA Lendings yave inotungamira mukweretesi wemondi ane anopfuura makore gumi nemashanu ekunaka.Yedu yepakona iri kupa isingaenzaniswi sevhisi uye kuvimbika, kuve nechokwadi chekugutsikana kwakanyanya kwevatengi vedu.

Nyanzvi muhuwandu hwakawanda hweZvisiri-QM zvigadzirwa-kusanganisiraNo Doc Hapana Chikwereti, Kuzvigadzirira P&L, WVOE, DSCR, Bank Statements, Jumbo, HELOC, Close End Secondzvirongwa—tinotungamira mumusika wechikwereti we'Non-QM'.Isu tinonzwisisa kuomarara kwekuchengetedza zvikwereti uye tine akasiyana 'Chikwereti Arsenal' kusangana nematambudziko aya.Kupinda kwedu kwekutanga mumusika weNon-QM kwakatipa hunyanzvi hwakasiyana.Nhamburiko dzedu dzokupayona zvinoreva kuti tinonzwisisa zvidikanwi zvako zvemari zvakasiyana.NeAAA Lendings, kusvika pazvinangwa zvako zvemari zviri nyore uye zvinowanika.

Tabatsira mhuri dzinoda kusvika zviuru makumi mashanu kuti zviroto zvadzo zvemari zvizadziswe, nemari yechikwereti ichipfuura mabhiriyoni makumi maviri emadhora.Kuvapo kwedu kwakakosha munzvimbo dzakakosha seAZ, CA, DC, FL, NV, uye TX zvinotitendera kuti tishumire huwandu hwevanhu.

Nevanopfuura zana vakazvipira vamiririri uye vari-mumba vanonyora pasi uye zvikwata zvekuongorora, isu tinoona yakagadziridzwa uye isina kunetseka-yekukwereta maitiro.

VhidhiyoHELOC - Kupindura Mibvunzo Yako

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.