Iwe unonetsekana here kuti chikwereti chako chibodzwa chinogona kukudzivirira kubva pakukodzera kuhomwe? Usarege chikamu chepasi cheFICO chichikutadzisa kuzadzisa chiroto chako chekuva muridzi wemba. KuAAA LENDINGS, isu tine hunyanzvi mukubatsira vanokwereta vane zvibodzwa zvakaderera zvechikwereti kuchengetedza zvinodhura zvemortgage mhinduro zvinoenderana nezvavanoda.

Chii chinonzi FICO Scores?

FICO zvibodzwa, zvakagadziridzwa neFair Isaac Corporation, imhando yechikwereti chechikwereti chinoshandiswa nevakweretesi kuongorora kukweretwa kwevakwereta. Chibodzwa chako cheFICO chinobva pane zvakasiyana siyana, kusanganisira nhoroondo yako yekubhadhara, kushandiswa kwechikwereti, kureba kwenhoroondo yechikwereti, maakaundi matsva echikwereti, uye marudzi echikwereti akashandiswa. FICO zvibodzwa zvinotangira pa300 kusvika pa850, zvibodzwa zvakakwirira zvinoratidza kukweretwa kuri nani.

Zvinetso zveLower FICO Scores

Kuve neiyo yakaderera FICO mamakisi kunogona kuita kuti zvive zvakanyanya kunetsa kuti ukwanise kuwana chikwereti. Vanokweretesa vanogona kuona zvibodzwa zvechikwereti zvakaderera senjodzi yepamusoro, zvichitungamira kumari yemubereko yakakwira, kuomesera kwekukodzera zvinodiwa, kana kunyimwa chikwereti. Zvisinei, kuva nekiredhiti yakaderera zvibodzwa hazvirevi kuti haukwanisi kukwereta. Pachine sarudzo dziripo dzekukubatsira kuzadzisa zvinangwa zvevaridzi vemba.

Mortgage Solutions dzeLower FICO Scores

FHA Zvikwereti

FHA (Federal Housing Administration) zvikwereti zvikwereti zvinotsigirwa nehurumende zvakagadzirirwa kubatsira vanokwereta vane zvikwereti zvakaderera uye mari shoma yekubhadhara. Nechikwereti cheFHA, unokwanisa kupihwa chikwereti chechikwereti chakaderera se500, zvichienderana nezvinodiwa nemukweretesi. Zvikwereti zveFHA zvinopa maitiro ekukodzera anochinjika uye mibairo yemakwikwi, zvichiita kuti ive sarudzo inokwezva kune vanokwereta vane zvibodzwa zvakaderera zvechikwereti.

VA Zvikwereti

VA (Dhipatimendi reVeterans Affairs) zvikwereti zvinowanikwa kune vanokodzera veterans, vanoshingaira-basa rebasa nhengo, uye vakaroorana vachiri vapenyu. Zvikwereti zveVA zvinopa mabhenefiti akati wandei, kusanganisira kusabhadharwa kwemari, kukwikwidza mubereko, uye nechikwereti chechikwereti zvinodiwa. Kunyange pasina chidimbu chechikwereti chechikwereti chinodiwa kune VA zvikwereti, vazhinji vanokweretesa vanofarira vanokwereta vane kiredhiti mamakisi mazana matanhatu nemakumi maviri kana kupfuura.

USDA Zvikwereti

USDA (Dhipatimendi Rezvekurima reUnited States) zvikwereti zvinotsigirwa ne USDA uye zvakagadzirirwa kubatsira vanokwereta vane mari yakaderera-kusvika-yepakati-mumaruwa nemumadhorobha kuti vawane pfuma. Zvikwereti zveUSDA zvinopa makwikwi emubereko, hapana chinodiwa chekubhadhara, uye zvinochinjika zvechikwereti zvibodzwa. Nepo pasina chidimbu chechikwereti chechikwereti chinodiwa kune USDA zvikwereti, vazhinji vanokweretesa vanofarira vanokwereta vane kiredhiti mamakisi 640 kana kupfuura.

Zvikwereti zvisiri zveQM

Zvikwereti zvisiri zveQM (Zvisina-Kufanirwa Mortgage) dzimwe nzira dzembavha dzisingazadzise maitiro akatarwa nemasangano anotsigirwa nehurumende saFannie Mae kana Freddie Mac. Zvikwereti izvi zvinopa vanokwereta vane mamiriro emari akasiyana, kusanganisira vanozvishandira, vanoisa mari, uye vane matambudziko echikwereti. Zvikwereti zvisiri zveQM zvinopa maitiro ekukodzera uye anogona kufunga zvinhu zvinopfuura kiredhiti mamakisi, sekugadzikana kwemari uye midziyo.

Sei Kusarudza AAA LEENDINGS?

PaAAA LENDIS, tinonzwisisa kuti mamiriro emari emunhu wese akasiyana. Ndosaka tichipa huwandu hwakasiyana hwemhinduro dzemortgage dzakanangana nezvido zvako pachako, kusanganisira sarudzo dzevanokwereta vane zvibodzwa zvakaderera zvechikwereti. Nehunyanzvi hwedu uye maitiro emunhu, isu tichashanda newe kuti tiwane chaiyo renji mhinduro inoenderana nebhajeti rako uye zvinangwa. Bata nesu nhasi kuti udzidze zvakawanda uye utore danho rekutanga rekuva muridzi wemba, kunyangwe uine yakaderera FICO mamaki.

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.