11/15/2023

Nhanganyaya yeHELOC

HELOC, inozivikanwawo seHome Equity Line yeChikwereti, imhando yechikwereti chinobvumira varidzi vedzimba kukwereta mari vachipesana nechiyero chavanenge vaunganidza mumidziyo yavo.Mutsetse wechikwereti unotenderera, zvichireva kuti unoshanda zvakafanana nekadhi rechikwereti: vanokwereta vanopihwa muganhu mukuru wavanogona kutora kubva, uye vanogona kutora mari sezvinodiwa kusvikira muganhu wasvika.

Zvinhu zvakakosha zve aHELOCzvinosanganisira:

1. Chikwereti Chakachengetedzwa:
   HELOC (Home Equity Line of Credit) inochengetedzwa neimba yemukwereti, zvichiita kuti ive chikwereti chakachengetedzwa.Kana mukwereti akakanganisa paHELOC, mukweretesi anogona kufanotaura imba kuti adzorere mari yake.
2. Equity Chinodiwa:
   Kuti ukwanise kuwana HELOC (Home Equity Line yeKiredhiti), varidzi vedzimba vanowanzoda kuve nehumwe huwandu hwekuenzana mumba mavo.Equity ndiwo mutsauko uripo pakati pezvinokosheswa nemba yako uye chiyero chasara chezvese zvikwereti paimba, senge mbavha kana zvimwe zvikwereti.
3. Chikwereti Chimiro:
   HELOCs kazhinji ine nguva yekudhirowa, kazhinji makore 5-10, panguva iyo mukwereti anogona kuwana mari.Mushure menguva yekudhirowa, mamwe maHELOC anogona kubvumira kuvandudzwa, kana kupinda munguva yekubhadhara apo pasina kukwereta kutsva kunobvumidzwa, uye mari iripo inofanira kubhadharwa zvakare pamusoro penguva yakatarwa.

Iyo Flexibility yeHELOC

Imwe yemabhenefiti akakosha aHELOC(Kumba Equity Line yeChikwereti) ndiko kushanduka kwayo.Varidzi vedzimba vanogona kushandisa mari iripo kune zvinangwa zvakasiyana, zvinosanganisira kuvandudza imba, kubatanidza chikwereti, kana kubhadhara mari yekukurumidza.Kusiyana nedzimwe nzira dzekukwereta, uko chinangwa chechikwereti chinogona kurambidzwa, HELOC inokupa rusununguko rwekushandisa mari painonyanyodiwa.

Kunzwisisa Matengo: Hapana Mubhadharo Wemukweretesi

Muripo wemukweretesi maererano nechikwereti chemba unosanganisira dzakasiyana siyana dzekubhadharisa dzinogona kudiwa nesangano rechikwereti kubva kune anokwereta kuitira kugadzirisa uye kupa mari yechikwereti chemba.Zvakaita se:

1. Mari Yekutanga: Iyi ndeimwe yemari yekutanga mukweretesi uye inobhadhariswa nemukweretesi pakugadzira chikwereti.Inowanzo vhara mutengo wekugadzirisa chikumbiro chechikwereti, kunyora pasi, uye kutanga iyo remba.
2. Mari Yechikumbiro: Mari inobhadhariswa kubhadhara mutengo wekutanga kunyorera, kusanganisira cheki chechikwereti uye mari yekutonga.
3. Mari yekunyora pasi: Mari yekunyora pasi inotsiva mukweretesi pamaitiro ekuongorora uye kuona chikumbiro chechikwereti uye ruzivo rwemari yemukwereti uye nhoroondo yechikwereti.

nezvimwewo...

Sezvineiwo, Mutungamiriri weduHELOC(Kumba Equity Line yeChikwereti) sarudzo dzinouya neinokwezva isina mubhadharo wemutero.Izvi zvinoreva kuti mukwereti haabhadhariswe mari yakawedzerwa nemukweretesi pakugadzira mutsara wechikwereti, izvo zvinoita kutiPrime HELOCchishandiso chemari chinoyevedza kune avo vari kutsvaga kuderedza mari yavo yekukwereta.

Benefits Yemari Yakaderera Pagore

Mari yegore, imari inobhadhariswa nemukweretesi pagore rega rega kwenguva yechikwereti kana yenguva yakatarwa inotsanangurwa mumitemo yechikwereti.Mari iyi ndeyekurerutsira kuwana mutsara uyu wechikwereti uye inowanzobhadhariswa gore rega rega pamusi wegore rekuvhurwa kweakaundi.Imwe bhenefiti yakakosha yemari yekusarudza HELOC (Home Equity Line yeChikwereti) mukana wemubhadharo wepagore wakaderera.YeduPrime HELOCkuchaja mari yegore negore $75, yakafanana nekadhi rechikwereti.Zvisinei, mari idzi dzinowanzodzikira pane dzinobatanidzwa nedzimwe mhando dzezvikwereti, zvichiita kuti HELOC ive sarudzo inodhura yekuronga mari kwenguva refu.Zvakakosha kuti vanokwereta vawane chigadzirwa cheHELOC chinopa muripo wepagore wakaderera kuti vawedzere mari yavo.

Mhedziso: Iyo Yakangwara Nzira yeKuchinja Kwemari

Mukupedzisa, Imba Equity Line yeChikwereti inogona kushanda seyakanakisa mari yekushandisa kune varidzi vedzimba vanoshuvira kupinda muhumwe hwemba yavo.Nekukwanisa kwekusabhadharwa kwemukwereti uye mubhadharo wepagore wakaderera, aPrime HELOCinopa mwero wekuchinjika uye mutengo-unoshanda izvo zvakaoma kurova nedzimwe sarudzo dzekukwereta.Sezvinoita chero chigadzirwa chemari, zvakakosha kuti uite tsvakiridzo yakakwana uye kufunga nezvese sarudzo dziripo usati wazvipira kune Prime HELOC kuona kuti inoenderana nezvinangwa zvako zvemari.

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: Iyo Yakanakira Refinancing Sarudzo yeVaridzi Vedzimba

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.