I-Bad Credit Mortgage Lend Can Can Back to Ubunini bekhaya
Inyaniso mhlawumbi unokufumana i-credit loan mortgage; Kungoku nje ukuba abafana othetha nabo - ibhanki kunye neemanyano zemali-mboleko - aziboneleli ngemali mboleko. Unokujonga kwindawo engafanelekanga.
Yintoni ongayiqondi ukuba ngaba abathengi basekhaya abanokukhwabanisa kakubi bafumana i-credit mortgage all time. Kodwa ngamanye amaxesha ahlawula ngeempumlo. Ukuba uthe wagqiba ukuthengisa okufutshane , unokufuna ukulinda iminyaka engama-3 phambi kokufaka isicelo sokuthenga imali ngenxa yokufumana imali engcono xa ulinda. Izikhokelo zikaFannie Mae zithi umdayisi omthengisi omfutshane angakwazi ukufumana umvuzo kwiminyaka engama-4 ngombolekisi xa nje umthengisi egcina ityala elihle emva kokuthengisa okufutshane , kodwa i-FHA iyiminyaka emithathu.
Nangona ufihlile i-bankruptcy, ngokungakhathaliseki ukuba ugcina ityala lakho lihlambulukile emva kokukhutshwa, unakho ukufumana umboleko we- FHA kwiminyaka embalwa. Imali-mboleko ye-FHA ayifuni ukufumana amanqaku amancinci , kodwa ababolekisi abaxhasa imali mboleko bafuna amanqaku amancinane eFICO .
Iingcebiso zokufumana i-Mortgage Mortgage Lender
Qinisekisa ukuba uhlolisise umrhwebi wemboleko kunye nebhodi yeelayisenisi yelizwe kwaye ujongane kuphela nenkampani ehloniphekileyo. Musa ukufumana mboleko ngemali ngemali ebukratshi. Kulula ukufumana unomntwana, ngoko uqaphele. Ukulandela kukho iingcebiso malunga nokukhwabanisa ngemali mboleko:
- Cinga ngetyala elibi lekhredithi njengesisombululo sethutyana. Yenze ixesha elifutshane. Oku akuthethi ukuba uthole imali-mboleko yexesha elifutshane kodwa uceba ukuhlawula imali mboleko engekho ngaphezu kwe-2 iminyaka okanye ngaphezulu ngaphambi kokuba wakhe i-credit yakho ngokwaneleyo ukuze uhlaziywe kakuhle kwi-intlawulo ehlawulekayo.
- Ukuba umthengisi wakho ongenamsebenzi ongenakukunceda, cela isicelo sokuthumela. Abaninzi ababolekisi abaye bebeshishini kwithuba elithile banokuthi bahlale benxibelelwano kwimakethe ye-subprime kwaye banokukubhalela kumbolekisi abanokukwenza imali.
- Cinga nge -rate mortgage rate . Umyinge wakho wenzalo uza kuphakama kwimali-mboleko emiselweyo yemali, ephakamileyo kakhulu kunezinga oza kuzifumana zipapashwe kwi-intanethi kwiiwebhsayithi ezifana ne-bankrate.com. Uyakuhlawula amanqaku amaninzi aphulo , kwakhona. Ngokufumana i-mortgage rate rate rate, kufuneka ukwazi ukugcina iintlawulo zakho zemali ephantsi kwemali ephantsi ukuze ulawulwe kakuhle.
- Awuvumelani, ukuba unokukunceda, kwisigwebo sokuhlawulwa kwangaphambili . Isohlwayo sokuhlawulwa kwangaphambili ithetha ukuba unokuhlawula kangangeenyanga ezili-6 zomdla ongezelelweyo xa uhlawula umboleko kwangaphambili. Ekubeni ininzi yentlawulo yakho inomdla kwaye ayikho inqununu, okufana nokuhlawula iinyanga ezili-6 zeentlawulo. Phindela emva ukuba bacele.
Okunye Okukhethwa Kokudala Ukufumana Imboleko Yesikolo Esibi
Sebenzisana nomthengisi wempahla yokuthenga imali ukuze uthengise umboleko ongcono ngakumbi ngaphandle kokuba usebenzise indawo embi yokuthenga imali. Inketho yokuqala kukusebenza ekulungiseni i-credit yakho. Ukulungiswa kwetyala elibi liyakuthatha naphi na kwiiveki ezimbalwa ukuya kunyaka, kodwa imiba eninzi ingasombulula kwiinyanga ezimbalwa. Into ebalulekileyo ukuba uyikhumbule unokwenza ukuba ufuna ukukwenza. Ngezantsi zizinto ezimbalwa zokwenza izinto zokuthenga ngemali xa unetyala elibi.
- Fumana ikopi yamahhala yengxelo yakho yekhredithi . Hlola. Ukuba ubona impazamo, bhalela kwi-credit bureaus uze ucele ukulungiswa.
- Buza umthengi wakho wemali malunga nokuthunyelwa kwi-rescore esheshayo. Umthengi wakho wempahla unokukunceda ukuba ulungise i-credit yakho okanye ubhekisele kwikhampani efanelekileyo yokulungisa iitaliti. Emva koko uphinde uhlawule ngokukhawuleza ngokusebenzisa umthengi wakho wemali unokunyusa kakhulu inani lakho leFICO ngexesha elifutshane. I-Rapid rescore yinkampani yokuthengisa imali eyimfihlo.
- Cinga ngo-sign-co-signer. Ngokomzekelo, izikhokelo ze-FHA ziza kuvumela umnxibelelwano-mali-mboleko. Mhlawumbi abazali bakho okanye isihlobo esithile sinokukutyinina, kwaye unokuphepha ukukhwabanisa ngetyala.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.