Kodi mukuda nkhawa kuti ngongole yanu ingakulepheretseni kulandira ngongole yanyumba? Musalole kuti chiwerengero chochepa cha FICO chikulepheretseni kukwaniritsa maloto anu okhala ndi nyumba. Ku AAA LENDINGS, timakhazikika pothandiza obwereka omwe ali ndi ngongole zochepa kuti ateteze njira zotsika mtengo zogulira nyumba mogwirizana ndi zosowa zawo.

Kodi FICO Scores ndi chiyani?

Ziwerengero za FICO, zopangidwa ndi Fair Isaac Corporation, ndi mtundu wa ngongole zomwe zimagwiritsidwa ntchito ndi obwereketsa kuti awunikire kuyenera kwa ngongole kwa obwereka. Magawo anu a FICO amachokera pazifukwa zosiyanasiyana, kuphatikiza mbiri yanu yolipira, kugwiritsa ntchito ngongole, kutalika kwa mbiri yangongole, maakaunti atsopano angongole, ndi mitundu yangongole yomwe imagwiritsidwa ntchito. Ziwerengero za FICO zimachokera ku 300 mpaka 850, zokhala ndi zambiri zomwe zimasonyeza kuti ali ndi ngongole yabwino.

Zovuta za Lower FICO Scores

Kukhala ndi mapepala otsika a FICO kungapangitse kuti zikhale zovuta kuti muyenerere ngongole. Obwereketsa atha kuona ziwongola dzanja zotsika ngati chiwopsezo chachikulu, zomwe zimatsogolera ku chiwongola dzanja chokwera, zofunikira zokhwima, kapenanso kukana ngongole. Komabe, kukhala ndi ngongole yochepa sikutanthauza kuti simungakwanitse kubwereketsa ngongole. Pali zosankha zomwe zilipo kuti zikuthandizeni kukwaniritsa zolinga zanu za eni nyumba.

Mortgage Solutions for Lower FICO Scores

Ngongole za FHA

Ngongole za FHA (Federal Housing Administration) ndi ngongole zothandizidwa ndi boma zomwe zimapangidwira kuti zithandizire obwereketsa omwe ali ndi ngongole zocheperako komanso ndalama zolipirira zochepa. Ndi ngongole ya FHA, mutha kulandira ngongole yanyumba yokhala ndi ngongole yotsika mpaka 500, kutengera zomwe wobwereketsa akufuna. Ngongole za FHA zimapereka njira zosinthira zovomerezeka komanso chiwongola dzanja chopikisana, zomwe zimapangitsa kukhala njira yokopa kwa obwereketsa omwe ali ndi ngongole zochepa.

VA Ngongole

Ngongole za VA (Department of Veterans Affairs) zimapezeka kwa omenyera nkhondo oyenerera, mamembala ogwira ntchito, komanso opulumuka omwe apulumuka. Ngongole za VA zimapereka maubwino angapo, kuphatikiza kusalipira kochepera, chiwongola dzanja champikisano, komanso zofunikira zangongole zocheperako. Ngakhale palibe chiwongola dzanja chochepa cha ngongole za VA, obwereketsa ambiri amakonda obwereketsa omwe ali ndi ngongole ya 620 kapena kupitilira apo.

USDA Ngongole

Ngongole za USDA (United States Department of Agriculture) zimathandizidwa ndi USDA ndipo zidapangidwa kuti zithandizire obwereka omwe amapeza ndalama zochepa m'madera akumidzi ndi akumidzi kuti akwaniritse eni nyumba. Ngongole za USDA zimapereka chiwongola dzanja champikisano, osafunikira kubweza, komanso zofunikira zosinthika zangongole. Ngakhale kuti palibe zofunikira zochepa za ngongole za ngongole za USDA, obwereketsa ambiri amakonda obwereketsa omwe ali ndi ngongole ya 640 kapena kuposa.

Ngongole Zopanda QM

Ngongole za Non-QM (Non-Qualified Mortgage) ndi njira zina zopezera nyumba zomwe sizikukwaniritsa zomwe mabungwe omwe amathandizidwa ndi boma monga Fannie Mae kapena Freddie Mac. Ngongolezi zimathandizira obwereka omwe ali ndi mavuto azachuma apadera, kuphatikiza anthu odzilemba okha, osunga ndalama, komanso omwe ali ndi zovuta zangongole. Ngongole zomwe si za QM zimapereka njira zosinthira zovomerezeka ndipo zimatha kuganizira zinthu zopitilira ngongole, monga kukhazikika kwa ndalama ndi katundu.

Chifukwa Chiyani Sankhani AAA LENDINGS?

Ku AAA LENDINGS, timamvetsetsa kuti ndalama za aliyense ndizosiyana. Ichi ndichifukwa chake timapereka njira zingapo zopezera ngongole zomwe zimagwirizana ndi zosowa zanu, kuphatikiza zosankha za obwereketsa omwe ali ndi ngongole zochepa. Ndi ukatswiri wathu komanso njira yosinthira makonda anu, tidzagwira nanu ntchito kuti mupeze njira yoyenera yobwereketsa yomwe ikugwirizana ndi bajeti yanu ndi zolinga zanu. Lumikizanani nafe lero kuti mudziwe zambiri ndikutenga sitepe yoyamba yokhudzana ndi eni nyumba, ngakhale mutakhala ndi mphambu yotsika ya FICO.

Ndemanga: Nkhaniyi idasinthidwa ndi AAA LENDINGS; zina mwazithunzi zidatengedwa pa intaneti, pomwe malowa sakuyimiridwa ndipo sangasindikizidwenso popanda chilolezo. Pali zoopsa pamsika ndipo ndalama ziyenera kukhala zosamala. Nkhaniyi sikupanga upangiri wandalama zaumwini, komanso sikuganizira zolinga zazachuma, zachuma kapena zosowa za ogwiritsa ntchito. Ogwiritsa ntchito akuyenera kuganizira ngati malingaliro, malingaliro kapena zomaliza zomwe zili pano zili zogwirizana ndi momwe alili. Invest molingana ndi chiopsezo chanu.