I-HAFA ihlawula abathengisa i-$ 10,000 ukuze benze ukuthengiswa okufutshane
Kodwa ngenxa yokuba i-HAFA yinkqubo exhaswe nguRhulumente, yinto enzima kakhulu kunokuba.
I-HAFA isigxina seNkcazo yokuHlalwa kweNdawo yokuThengiswa kweNdlu eHloniphekileyo, kwaye inxalenye yenkqubo yoMongameli we-Obama yokwenza iPhaya eliHloniphekileyo. Isinyathelo sokuqala singumntu obolekayo ukuba afake isicelo kwi-HAMP, iNkqubo yoHlelo oluHlangeneyo lweNdlu. Nayi imigaqo yokuba ifanelekileyo kwinkqubo ye-HAMP:
- Indawo zokuhlala kuphela zifanelekile.
- Imali yokuthenga imali kufuneka ibe ngaphantsi kwama-729,750.
- Umboleki uhlangabezana nobunzima obunjengokulahleka kwemali engenayo, ukuhlawula imali yokunyuka kwemali okanye ukunyuka kweendleko ezingalindelekanga.
- Ukuboleka kwemali kwangaphambili ngaphambi koJanuwari 1, 2009.
- Intlawulo ye- PITI yokubolekwa kwemali , kuquka ne- HOA , ingaphezulu kwe-31% yomvuzo wakho wenyanga.
Ukuba kukho nawuphi na umgaqo we-5 awusebenzi, ke umboleki akafanelekanga kwiHAMP. Ndiyazi oku kuba ndaya kwikhasi le-Home Affordable Modification ukuze ndiphendule nganye imibuzo emi-5.
Ndenze le maxesha amahlanu, kwaye ndatshintsha impendulo eyahlukileyo kwixesha ngalinye. Akukho mpendulo kuyo nayiphi na ye-5 eyabangela ukukhishwa.
Ukuba awufanelekanga kwi-HAMP, ngoko unokufuna ukufumana i- arhente yokuthengisa emfutshane ukukunceda. Ukuba ufanelekile kwi-HAMP, akuthethi ukuba uya kulungela i-HAMP. Ukufaneleka nokufaneleka kwiHAMP zizilwanyana ezimbini ezahlukeneyo.
Injongo yakho, ukuba ufuna ukwenza ukuthengisa okufutshane , kukuthemba ukuba i-HAMP iya kukuguqula. Emva koko uya kulungela i-HAFA. Okanye, ukuba uyamkelwa kwi-HAMP, kwaye unqanda ukwenza iintlawulo zakho zokuguqulwa kwemboleko , ungafaka isicelo kwi-HAFA. Oku kungathi ngathi i-goofy imithetho, kodwa yindlela indlela urhulumente wethu asebenza ngayo.
Ndicinga ukuba kunomdla ukubonisa ukuba bambalwa ababolekayo bavame ukufaneleka ukulungiswa kwemboleko . Enyanisweni, phantse yonke into emfutshane yokuthengisa endiyenzayo eSigramento ingomthengisi oye wenqatshwa ngenxa yokuguqulwa kwemboleko.
Qinisekisa ukuba i-Lender yakho ithatha inxaxheba kwi-HAMP Programme
Kukulungele ukwazi ukuba umboleki wakho uthatha inxaxheba kwi-HAMP, kuba ababolekisi abathatha inxaxheba kwi-HAMP nabo bathatha inxaxheba kwi-HAFA. UFannie Mae kunye nababoleki bakaFreddie Mac akudingeki ukuba bathathe inxaxheba kwaye baneenguqu zabo zeprogram. Nalu uluhlu oluthile lwezinye ze-HAMP ezinkulu ezibandakanya ababolekisi abathatha inxaxheba:
- I-Aurora Loan Services, LLC
- IBhanki yaseMelika, NA
- Chase Home Finance, LLC
- CitiMortgage, Inc
- Imali-mboleko yokuSebenza ekhaya, uLP
- EMC Mortgage Corporation
- GMAC Mortgage LLC
- Green Tree Servicing LLC
- HomeEq Servicing
- Bank Bank
- JPMorgan Chase Bank, NA
- Litton Loan Servicing
- Navy Federal Credit Union
- Ocwen Financial Corporation, Inc.
- OneWest Bank
- IPNC Bank, uMbutho weSizwe
- IiNkonzo zeeShishini zeSaxon
- I-Golden 1 I-Credit Union
- US Bank, uMbutho weSizwe
- Wachovia Mortgage, FSB
- Wachovia Bank, NA
- I-Wells iBhanki Bank, NA
Izidingo ezifanelekayo zokuthengiswa kweeHAFA ezifutshane
Xa umntu obolekayo enqatshelwe ngokuguqulwa kwemboleko nge-HAMP Programme, umboleki uyafaneleka ukufaka isicelo kwi- HAFA program yokuthengisa emfutshane okanye ulandele iNyathelo kwi-Lieu-ye- Foreclosure . Ekubeni andazi ukuba kutheni umntu eengqondweni zabo ezifanelekileyo engenza isenzo-kwindawo, ndiya kubambelela kwinkqubo yokuthengisa emfutshane . I-HAFA iya kucwangcisa ixabiso lentengiso emfutshane kwaye inikeze umthengisi inyanga ezi-4 ukuthengisa ipropati nge- arhente yezindlu . Nazi izidingo zokufaneleka:
- Iindawo zokuhlala zabantu zifanelekile. Ukususela ngoJuni 1, 2012, izakhiwo ezingezizo izakhiwo zifanelekile kwi-HAFA.
- Imali yokuthenga imali kufuneka ibe ngaphantsi kwama-729,750.
- Umthengisi kufuneka abe ngasemva okanye malunga nokuwa emva kwemali.
- Ukuboleka kwemali kwangaphambili ngaphambi koJanuwari 1, 2009.
- Umthengisi wayenako okanye uya kukhatywa yi-HAMP ngokulungiswa kwemboleko.
- Abadayisi abanemali- mboleko karhulumente banokufumana inkxaso phantsi kweprogram eyahlukileyo.
Iinzuzo kwi-HAFA Intengiso emfutshane
Emva kokuba umdayisi uye waphuma kuyo yonke le hoops, kufuneka kube neenzuzo, akunene? Nazi. Ngokomzekelo, abathengisi abesibili abakwazi ukunyanzela umthengisi ukuba athengise ubuqhetseba obuthengiweyo ngokuthengiswa kweentlawulo ngaphandle kokungcwatywa okanye ukubamba i-first-born seller as collateral. Nazi ezinye iintlawulo zeHAFA:
- Ababolekisi abathatha inxaxheba kwi-HAFA banamalungelo okugwetywa .
- Ekuqaleni, ababolekisi abancinci bangafumana u-6% wemali-mboleko okanye i-$ 6,000 ephezulu ukukhulula umboleko. Ukususela ngoFebruwari 1, 2011, i-cap% 6 isuswe nguNondyebo we-US - kwaye loo mali ngoku i-$ 8,500 ngokubanzi ngoJuni 1, 2012. Ngomhla kaFebruwari 1, 2015, eli likhulu liyi $ 12,000.
- Abadayisi baya kufumana irhafu yeburhulumenteni ye-R10 000 ekupheleni kokunyuka kweendleko zokuthuthwa kweendleko, ukubonelela ngekhaya ngumnini ohlala kuyo.
- Abadayisi abayi kufunwa ukwenza umthengisi .
- Ababoleki kufuneka bavumelane ukuba bangabonakali ngaphambili kwenkqubo yokuthengisa emfutshane.
- Ngaphandle kweFannie Mae , uFreddie Mac , VA kunye ne-FHA mboleko, intlawulo yokuthengiswa kwempahla ayikho isidingo sokudlula umlinganiselo we-31% emva kwe-2/11/11.
Enye imeko ye-HAFA onke amaqela kufuneka asayine i -affidavit yobude bengalo . Ngamanye amazwi, umdayisi akakwazi ukuthengisa kumntu umthengisi uyazi okanye umthengisi uhlobene naye. Umthengi kufuneka avume ukuba angayithengisi loo propati ubuncinci beentsuku ezingama-90.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.