Indlela yokufumana i-FHA Limited 203K yeMali yokuThuthukiswa kweKhaya

Imali engama-203K Imali Ivumela ukulungiswa ukuya kwii-35,000 zamawaka

Ukuba uthe wadlula ukuthenga amakhaya afuna ukulungiswa kwezonyamakazi ngenxa yokungabi nako kwemali yokuyilungisa, i-FHA ineprogram kuwe. Akunakudideka kunye ne-FHA yinkqubo engaphezulu kwe- 203K eyinkimbinkimbi, umboleko we-203K ogqithisileyo ukhupha amaninzi eemaphepha kwaye yenza lula inkqubo yokufumana imali yokubuyisela.

UDan Tharp, igosa lemboleko yemboleko kwi-Guild Mortgage e-Sacramento, ikholelwa ukuba abantu basekhaya bokuqala kufuneka bafumane lonke uncedo abanalo.

Uthi abathengi bexesha lokuqala bavaliwe ngabacwangcisi okanye baxakeke kwaye bangalungelekanga ukujongana nomsebenzi ofunekayo ukuzisa amakhaya ukuya kwiimilinganiselo zanamhlanje. Tharp uyachaza: "Abathengi bafumana unyawo lwabo emnyango, bathi, 'Sinomsebenzi omkhulu wokukwenza apha, kwaye asiyi kuze senze.'"

Imali mboleko engama-203K ingaba yimpendulo.

Umsebenzi ongekho ngaphantsi kwe-203K?

Kwakuqhelekileyo ukuba uthenge indlu waza wafaka isicelo semali- mboleko yemali yokulungisa ukulungiswa kwayo, okubangela ukuboleka kwemali emibini. Kodwa ababolekisi abaninzi abayi kubakho imali mboleko. Abanye abayi kuxhasa imali-mboleko yokulingana ekupheleni, ngokukodwa ukuba akukho ubulungisa.

• Imali-mboleko engama-203K ehlawulisiweyo ibingenele kwibhalansi yemali-mboleko yangaphambili, okubangelwa mboleko enye.
• Ingaba ngumlinganiselo olungelelaniswayo okanye umyinge wokuhlawula imali.
• Ibhalansi yemali ingaphinda ixabiso lentengo le propati.
• Ababoleki abafunwa ukuba baqeshe abacebisi bezakhono, iinjineli ezilayisenisiweyo, okanye abakhi bezakhiwo.

• Umhloli wakho wekhaya unokuhlanganisa uludwe lwezinto ezilungisiweyo zokulungisa / ukuphucula. Le ndlela yindlela efanelekileyo neyokukhawuleza yokuyenza.

Ukulungiswa okufanelekileyo nokuPhuculo

Imali-mboleko engama-203K ivumela ukulungiswa okulula okungaqikelelwa lula kwaye kugqityiwe. Abaninzi bacinga ukuba ukulungiswa kwezonyango ezilula, kodwa abanye baya kufuna ukuba kuqeshwe ikhontrakthi elayisenisi ukuba ithe yavela kummandla wobungcali bomboleki.

Nalu uluhlu oluvunyiweyo lokulungiswa / uphuculo oluvela kwi-HUD, olunokutshintsha nanini na. Khangela kwakhona olu luhlu kunye nomthengi wakho okhethiweyo.

• Iinqaba, ama-gutters, kunye ne-downspouts
• Iimpawu ze-HVAC (ukufudumeza, ukuvula, kunye nemoya yomoya)
• Ukufakelwa kwamanzi kunye nombane
• Ikhishi elincinci kunye nokuhlambela
• I-Flooring: i-carpet, i-tile, imithi, njl.
• Umzobo wangaphakathi nangaphandle
• Iifestile ezintsha kunye neengcango
• Ukuqhawula imimoya kunye nokugxininisa
• Ukuphucula abantu abakhubazekileyo
• Amandla okuphucula amandla
• Ukuzinzisa okanye ukususa ipeyinti ekhokelayo
• Ii-Decks, iipasos, iiplanga
• Ukugqitywa kwangaphantsi kunye nokungena kwamanzi
• Iiprogram zeSeptic okanye ezifanelekileyo
• Ukuthengwa kwezixhobo zesekhishini ezintsha okanye i-washer / dryer
• Lungisa okanye ususe igumbi lokubhukuda elisemhlabathini

Iimfuno eziZodwa kunye neMigomo

• Akukho ncinane ibhalansi yemboleko efunekayo.
• Abboleki kufuneka bahlale kuloo propati.
• Ipropati ayikwazi kuba yithuba kwisithuba seentsuku eziyi-15.
• Umsebenzi kufuneka ugqitywe kwisithuba seenyanga ezintandathu.
• Umsebenzi kufuneka ube ngubugcisa.
• Ukuba umsebenzi ufuna imvume, ababolekayo kufuneka bafumane imvume kunye nomqondiso.
• Umsebenzi kufuneka uqale kwiintsuku ezingama-30 ukususela ekuvaleni.
• Zonke ukuphucula izakhiwo ezikhoyo kufuneka zihambisane ne-HUD Minimum Property Requirements (MPR) kwaye zidibanise iikhowudi zokwakha zendawo.

Ukulungiswa akuvumelekanga

• Umsebenzi womhlaba okanye umsebenzi wendawo
• Ukulungiswa okukhulu

• Ukuhambisa udonga oluphethe umthwalo
• Izongezo zegumbi okanye izongezo ekhaya
• Ukulungisa umonakalo wesakhiwo

• Amachibi amatsha

• Ibhubhu yangaphandle, i-spa, ibhribhu yokugeza okanye i-sauna

• Iibhokhwe zebhonkco, iingcango zomlilo zangaphandle

• Izindlu zeBhati

• Inkundla zeTennis

• Isitya seSatellite

• Utyando lomthi (ngaphandle kokuba kupheliswe ingozi ekuphuculweni okukhoyo)

• Ifoto ifakraza

• Gazebos

Izidingo zokwenza lo msebenzi

• Abboleki banokukhetha phakathi kwontraki ezikhutshelwe ilayisenisi.
• Umboleki uya kuhlolisisa amava, i-background, kunye nokudluliselwa kwe-contractor.
• Umboleki uya kufuna ikopi yenkqutyana yekontraka kunye nesivumelwano phakathi kontraka kunye nomboleki.
• Ababoleki banokuhlela ukuba benze okanye yonke imisebenzi phantsi kwe-"self-help" ilungiselelo.
• Iiprojekthi ezizenzekelayo zifuna ukubonelela ngetyala ngemibhalo exhasa ulwazi lomboleki, amava kunye nokukwazi ukwenza umsebenzi ofanelekileyo.

Ukuhlawulelwa kweentlawulo

• Ubuninzi beentlawulo ezimbini kwi-kontraka nganye, kubandakanywa nombolekayo, ukubonelela umboleki osebenza phantsi kwecebo "lokuncedisa".
• Akukho ngaphaya kwe-50% kwangaphambili evunyelwe.
• Izibonelelo ezizenzayo azibandakanyi abasebenzi; iindleko zokwakha kuphela zivunyelwe.
• Intlawulo yokugqibela ihlawulwa emva kokungeniswa kobungqina bentlawulo kwiinkontrakthi / ababoneleli okanye nabanye abangabangozi.

Izizathu zokufaka isicelo sokuboleka imali phantsi kwe-$ 15,000

• Umboleki makangadingeki ukuba ahlole umsebenzi ogqityiweyo.
• Umboleki akafunwa ukuba agunyaze umntu wesithathu ukuba ahlole umsebenzi ogqityiweyo.
• Ileta evela kumboleki okanye iikopi zerikhontrakthi zetrakethi ziyakwanela njengoko isaziso sokugqitywa, ukubonelela ngesikweleti kungekho sizathu sokumisela ukuhlolwa komntu wesithathu kubalulekile.

UKUQALA: I- Guild Mortgage ngumthengisi wam ukhethiweyo.

Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.