Umbuzo: Indlela yokwenza i-Fargo Sale efutshane
Umfundi uthi: "Sathengisa indlu eSan Diego ngo-2005 kunye neenzuzo ezimbini ze-Wells Fargo, ngoku kufuneka sithengise ngokufutshane . Umyeni wam wathunyelwa eCharlotte, eNorth Carolina, kwaye kufuneka sifuduke apho kwiinyanga ezimbini. Umzi wethu ungaphantsi kwamanzi Xa sabiza u-Wells Fargo, bacetyiswa ukuba sizame ukuthengisa okufutshane .Umhlobo undixelele ukuba kufuneka ndijoyine inethiwekhi ebizwa ngokuba yi-Equator. I-Fars Wells idayiswa ngokufutshane? "
Impendulo: Uhlobo lwe-Wells Fargo olufutshane lusondele kwaye luyintanda kwintliziyo yam. Uthando lwam lubuyela kwi-Northwestern Bank Weather Ball eMinneapolis, ephawulekayo ndikhulile kunye neyo yaphela kuma-1980. Ibhange leNyakatho-ntshona lalingumnini weBanco, kamva yaba nguNorwest owathenga ngo-1998 i-Wells Fargo Bank. Igama le-Wells Fargo laziwa kakhulu, ngoko ke i-Wells Bank yaseBargo siyazi namhlanje kwaye kungekhona iNorwest.
Nangona u-Wells Fargo sele ejikeleze iminyaka engaphezu kwe-150, kwakungekho ngokukhawuleza ukuhlaziya ukuthengisa okufutshane. I-Wells iFrango yaqulunqa indlela yokujongana neentengiso ezimfutshane ngokukhawuleza kunezinye iibhanki ezifana neBhanki yaseMelika . IBhanki yaseMerika ibhanki yokuqala yokufumana inkqubo yeprogram ye-Equator, eyinkqubo yesofthiwe ekhompyutheni ebanjwe ngabaxumi bebhanki kunye nabameli bezindlu / abameli.
Ngeentsuku zokuqala zokuthengisa okufutshane, ukususela ngo-2005 ukuya ku-2009, ama-afisi kufuneka afake iimpapasho zefeksi kwi-Wells Fargo ukwenza ukuthengiswa okufutshane.
Ezi phepheni ziquka ngoku:
- Isivumelwano soluhlu
- Ileta yobunzima
- Imbuyekezo yentela
- Ii-W2s nee-1099s
- Ingxelo zeBhanki
Isikhalazo esikhulu samaphepha awakuthi alahleke, ahlaselwe okanye afunyanwe ngabathengi bebhanki kunye nezipakethe ezingaphelelanga. Emva kokuba inkqubo ye-Equator isetyenziswa kwaye iikinkana ezimbalwa zasebenza, u-Wells Fargo wajoyina i-Bank of America njengebhanki yesibini ukuxhasa i-Equator.com.
Oku kumisa ukumisa iphepha. Nangona kunjalo, loo nto yayifutshane kwaye iindaba ezimbi emva kokugqitywa kweentengiso ezifutshane, u-Wells Fargo wayeka ukuthengisa ukuthengisa okufutshane kwi-Equator. Ngoku yonke iphepha libuyela kwifeksi. Yiya.
Ukuqala ukuthengiswa okufutshane kwe-Fargo
Isiqingatha sesithuba sokugqiba i-Wells Fargo ukuthengiswa okufutshane kuncinane ngaphantsi kweenyanga ezintathu ukuvala, ukususela ekuqaleni ukuya ekupheleni. Ndivala inani elungileyo le-Wells Fargo ekuthengiseni okufutshane rhoqo ngonyaka. Ndiyifumana inkqubo ye-equator yinto eqhelekileyo, kodwa ihlaziywa rhoqo kwaye ihlaziywa. I-Wells Fargo ayisayi kuqhuba nayiphi na into emfutshane yokuthengisa nge-Equator. Unokuthi ulindele ukuba ukuthengiswa kwakho okufutshane kukuvunywe kwiiveki ezi-6 ukuya kwezi-8 kwaye uvale iintsuku ezingama-30 ukuya kwi-45 kamva. Isikhathi sokucwangcisa okufutshane ngokukhawuleza kwintengiso ye-Wells Fargo iiveki ezi-2 ukuya kwezi-4; iyakwenza.
Ukuthengisa okuqhelekileyo kwe-Wells Fargo kuqala ngokunikezelwa ngumthengi ofanelekileyo. Xa umdayisi kunye nomthengi bevumelene nemali yokuthenga kunye nemigqaliselo, isipho silungele ukufakwa kwi-Wells Fargo, kunye nepharityhulam yokuthengisa emfutshane .
Ukulayisha i-Wells Fargo eFutshane kwiSanator
Abameli bezindlu, abathengisi abancinci nabathengisi bezakhiwo bangakwazi ukujoyina i-Equator.com mahhala.
Nangona kunjalo, u-Wells Fargo akenzi ukuthengiswa okufutshane kwi-equator. Ngokuqhelekileyo, abathengi be-equator bamise ikhasi leprofayili, khetha igama lomsebenzisi kunye nephasiwedi ukungena ngemvume. Kuphela ukuthengiswa okufutshane komsebenzisi kubonakala kumsebenzisi. Ngamanye amagama, i-arhente yakho ayikwazi ukubona enye i-ejenti yokuthengisa efutshane kwi-equator, ukwenza ulwazi lwakho lube lukhuselekile kunoma ikuphi kwenye intanethi. Oku kuya kunceda ngolwazi ukuba u-Wells Fargo uqhube ukuthengiswa kwezinto ezimfutshane nge-Equator kodwa umise lo msebenzi ngo-2015.
Iiminyathelo eziqhelekileyo zokuthengiswa kweeFrango
- I-arhente yakho okanye igqwetha liya kuqalisa ipakethe yokuthengisa emfutshane.
- I-arhente yakho iya kunikwa imisebenzi yokugqiba, ngokuqala ngokugunyazwa kweqela lesithathu .
- I-ejenti yakho iya ku-FAX ulwazi lwekota yokuvala kunye nawo onke amaxwebhu adibeneyo aqokelelwa yi-arhente.
- Umprosesa uza kuhlaziya kwaye abelwe i fayile kumthunywa-ntetho.
- Bonke abachaphazelekayo baya kucelwa ukuba batyikitye i - affidavit yobude bengalo kunye nezinye izichazi / izivumelwano.
- Amaphepha angaphezulu angacelwa.
- Ukuba u-Wells Fargo ugunyazisile igunya , ifayile iya kuvunywa okanye iphikisiwe. Ngaphandle koko, kuya kutyalomali ukufumana imvume yokugqibela.
I-Wells I-Fargo UkuVunywa okuSisiseko esifutshane
Ezinye iintlobo zemali yokuthenga imali ingabakho ukuthengisa okufutshane. Ngokomzekelo, umboleko owawubanjwe okokuqala yi-Savings World uza kuba yintengiso efutshane yeWachovia ngoku ngoku iwela phantsi kwe-Wells Umbrella. I-America's Servicing Company (ASC) isahlulo se-Wells Fargo. Iinkonzo zeeNkampani zaseMelika zokuSebenza zeMali mboleko kwabanye abatshali-mali phantsi kwe-ASC.
I-Wells Fargo incwadi yokubhengezwa ngokufutshane ifumaneka ngecandelo elithile le-Wells Fargo. Ukuba umboleko ngumgca wekredithi yekhaya, loo leta yokuvunywa ingavela kwi-Wells Fargo ofisi eDes Moines. Ndiqaphele ukuba xa kukho i-2 Wells Fargo mboleko, ngamanye amaxesha i-Wells Fargo mboleko iya kuqala, ithi, ikhomishini ye-6% kwi-arhente ye-list, kwaye umthengi wesibini unokufuna igalelo le-1% kwi-agents. Ndiyaxolisa ukuba basebenzisa le qhinga kuba abanakucela igalelo evela kumthengisi eCalifornia ngenxa yeSB 458 kunye neCalifornia Civil Code 580e , okanye mhlawumbi ngenxa yokuba umnini-mboleko wokuqala akavumelekanga ukuhlawula ngokuthe ngqo i-Wells Fargo isixa esikhulu, kodwa Ndi nga lunganga.
Qiniseka ukuba ufunde incwadi yokuvunywa kwaye ucele igqwetha ukuba litshintshe ukuba awukwazi ukufumanisa ukuba ngaba amalungelo anelungelo lokushiya. Ukukhululwa kwemfanelo kukuba isizathu esona sizathu sininzi abathengisi abakhetha ukuthengisa okufutshane.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.