Yuav ua li cas Koj yuav tsum paub ua ntej tsev Refinance

Yuav ua li cas koj yuav tsum paub ua ntej refinance nqi tsev yog

Replacing the original nqi tsev to get a new home nqi tsev to is called refinancing. Refinancing is a choice that might make a borrower to get a different and better interest term and rate. When the first tsev nyiaj txais is paid already, the second cov nyiaj txais will be recreated with making a new nqi tsev instead and then throwing the original mortgage away.

Yog hais tias txais tau ib tug zoo credit keeb kwm, lawv refinancing yuav ua tau ib tug zoo dua txoj kev tshaj ua ntej.


Piv txwv li, Their interests can convert a variable cov nyiaj txais rate to a fixed interest and also can get a lower interest rate. Tiam sis yog tias txais tau phem credit los yog tseem muaj ntau heev cov nuj nqis rau mus, refinancing mortgage will be risky for them.
Nyob rau hauv tej nyiaj txiag teeb meem rau ob leeg siab txaus siab nqi thiab ib tug tsis ruaj tsis khov kev khwv nyiaj txiag, nws tej zaum yuav nyuaj heev rau kev them nyiaj ua rau ib lub tsev txais nyiaj yuav tsev thiab tej zaum yuav tougher tshaj koj yuav tsum.

Thiab txoj cai tam sim no ua rau koj xav tias koj nrhiav tau koj tus kheej nyob rau hauv no qhov teeb meem??

Yog li ntawd nws yuav ua tau koj lub sij hawm mus xav txog refinancing nqi tsev.

Ua ntej ntawm tag nrho cov refinancing yog qhov kev nyab xeeb nyob rau hauv refinancing lies nyob rau hauv ignorance. Yog hais tias koj tsis paub xyov txog refinancing, nws yuav ua mob rau koj nrog ua koj tus nqi nyiaj laum es txo nws!

Yog li ntawd, piv txwv li, koj yuav tsum paub tsawg kawg yog qhov yooj yim kev txawj ntse zoo li muab piv tam sim no cov nqi ntawm txhua cov chaw qiv nyiaj los sis lub tsev txhab nyiaj nyob rau hauv koj cheeb tsam.

Yuav ua li cas Yog Tus Nqe lus txhais ntawm Refinancing?
Refinancing is the process of getting a new nqi tsev nyiaj txais for reducing monthly payments from having lower interest rates, noj nyiaj tawm ntawm koj lub tsev rau cov loj yuav los yog hloov nqi tsev tuam txhab. Most people refinance mortgage when they have equity on their homes, uas yog qhov txawv nruab nrab ntawm tus nqi tiv rau lub nqi tsev tuam txhab thiab kev muaj nuj nqis ntawm lub tsev.

koj yuav tsum tau txais nyiaj yuav tsev refinance ?
should you refinance nqi tsev ?

4 things to plan for nqi tsev refinance

1. Know who will be involved for nqi tsev refinance

Although there are many professionals for nqi tsev refinance like real estate appraisers and mortgage underwriters those will come to work as important roles, your primary contact will be your lender for any type of refinance. Koj yuav tau ua hauj lwm firstly nrog koj qiv nyiaj rau koj ntawm tus nqi tsev refinance txheej txheem. Nyob rau lwm cov tes, koj qiv nyiaj rau koj yuav ua hauj lwm nrog ib pab neeg uas yuav tsum muab kev koom tes nyob rau hauv koj lw ntawm nqi tsev refinancing. Txawm yog koj yuav tsis tau raws li tag nrho cov uas muaj feem neeg, nws yog heev tseem ceeb uas koj yuav tsum paub lawv tus cwj pwm ntawm tus nqi tsev refinancing.
Lender or Loan officer who is the person that will evaluate your credit, nyiaj txiag, thiab kev ua hauj lwm qhia los tshuaj saib koj puas tsimnyog tau txais rau ib tug refinance. Thaum lawv ua kom tiav lawv cov kev soj ntsuam, lawv yuav muab koj nrog txais kev xaiv thiab kuj pab tau koj kom txog thaum koj them nuj nqi daim ntawv thov ua tiav. Lawv yuav kom khiav ntawm nws raws li txoj cai thaum lub sij hawm cov nyiaj txais kev tso cai.
Loan processor who is the person that will prepare your nqi tsev nyiaj txais information and application for presenting to the mortgage underwriter. Lawv yuav ua kom paub tseeb tias koj tau nrog tag nrho cov ntaub ntawv kom zoo, tag nrho cov zauv yog xam meej, thiab txhua yam yog nyob rau hauv thiaj li yuav tau xyuas kom meej rau lub sij hawm kev txiav txim siab rau nej pom zoo rau.
Nqi tsev underwriter uas yog tus neeg uas yuav ntsuam xyuas koj cov kev tsim nyog rau cov nyiaj txais raws li nyob rau hauv koj daim credit keeb kwm, kev ua hauj lwm yav dhau los, cuab tam, cov nuj nqis, thiab lwm yam.
Av appraiser uas yog tus neeg uas yuav txheeb xyuas thiab luj xyuas cov unbiasedly koj lub tsev thiab cuab los mus txiav txim tus nqi ntawm cov vaj tse. Lawv yuav muab kev pab rau cov neeg uas muaj, tswj, muag, sib piv cov nqi nyob rau hauv thiab txais nyiaj rau cov kev ruaj ntseg ntawm av.
Kaw cov neeg sawv cev uas yog ib tug uas yuav saib xyuas thiab tswj hauv lub kaw los yog “hais sib haum” ntawm koj cov nyiaj txais, ntaub ntawv sau tseg rau hauv lub kaw cov ntaub ntawv, thiab them cov nyiaj mus rau cov neeg thiab cov koom haum.
Tag nrho cov neeg muaj kev sib txawv cwj pwm tab sis tseem ceeb heev nyob rau hauv koj lub nqi tsev refinancing. Ntshiv rau lawv, nug cov lus nug, thiab nco ntsoov tias lawv yog ua hauj lwm rau koj.
(siv : zillow.com)

2. Sau koj tus kheej cov ntaub ntawv rau nqi tsev refinance

When you meet your lender to apply for a mortgage refinance, koj yuav tsum tau muab koj cov ntaub ntawv tus kheej, zoo li cia li raws li koj tau ua rau koj lub tsev yuav khoom. Cov ntaub ntawv yuav cia koj tus qiv nyiaj rau koj los txiav txim kev tsim nyog koj, nrog rau koj tus W-2, lub tsev txhab nyiaj cov nqe lus, thiab se rov qab.
Tus txheej txheem ntawm refinancing nqi tsev yog heev uas zoo sib xws rau lub tsev yuav txheej txheem. Koj nyob nraum tsim ib tug tshiab cov nyiaj txais nrog tshiab ntsiab lus uas los txawm tshiab qiv nyiaj rau koj (seb koj nyob nraum siv koj thawj qiv nyiaj rau koj los yog ib tug tshiab qiv nyiaj rau koj). Cov txheej txheem yuav tsum tau kom tus tib daim ntawv thiab ntaub ntawv uas koj muab rau thaum koj tseem muas koj lub tsev.

Cov hauv qab no nram qab no daim ntawv yog dab tsi koj yuav tsum muab rau tus uas koj qiv:

• W-2 los ntawm lub xyoo dhau los, tej zaum ob
• Them cov tw tshev los ntawm lub yav dhau los ib mus rau peb lub hlis
• Ntawv pov thawj ntawm lwm cov nyiaj tau los
• Tax cov ntaub ntawv los ntawm lub yav dhau los ob xyoo, nrog rau tag nrho cov nplooj ntawv thiab cov sij hawm
• Yog hais tias koj yog nws tus kheej-ua hauj lwm, nws yog yuav koj yuav tau xa ib tug tam sim no-xyoo profit-thiab-tsis-daim ntawv, cov lwm cov ntaub ntawv
• Xyuas thiab khaws lub tsev txhab nyiaj cov nqe lus los ntawm yav dhau los ib mus rau peb lub hlis
• Peev account nqe lus - xws li 401(k), stocks, IRA thiab kev sib nrig sib pab - los ntawm lub yav dhau los ib mus rau peb lub hlis
• Daim ntawv rau tag nrho cov nuj nqis, including car nyiaj txais, student nyiaj txais, credit cards thiab koj tam sim no nqi tsev
• Luam daim ntawv tsav tsheb

Hais txog : lub caij ntawm cov ntaub ntawv tej zaum yuav txawv los ntawm qiv nyiaj rau koj mus qiv nyiaj rau koj
Yog hais tias koj nyob nraum sib nrauj, koj yuav tsum muab ib daim qauv ntawm koj sib nrauj nrog txuam nyiaj los yog kev pab txhawb nqa cov ntaub ntawv tus me nyuam.

3. To taub txog cov ntaub ntawv kev koom tes

Thaum koj muas koj lub tsev, koj saib thiab kos npe rau ntau yam ntaub ntawv ua ntej thiab tom kaw. Thaum koj refinance koj nqi tsev, koj yuav tsum ua tib yam li no yog ib tug tshiab cov nyiaj txais nrog tshiab cov nqi thiab cov nqe lus. Coj ib co sij hawm los saib xyuas cov ntaub ntawv no dua thiab rov koj paub.

Ntaub ntawv uas koj yuav Saib Ua ntej yuav kaw
Uniform Thaj nyiaj txais daim ntawv thov: This is the same nqi tsev nyiaj txais application you completed when you purchased your home, capturing tseem ceeb cov lus qhia txog koj, koj tej nyiaj txiag, thiab cov ntsiab lus ntawm koj tej zaum nqi tsev. Nrog daim ntawv no, koj mam li yuav tau yuav tsum tau mus muab ntaub ntawv hais txog koj cov nyiaj nyiaj khwv tau los, ua ke tsev neeg cov nuj nqis, cuab tam thiab liabilities, thiab tej ntaub ntawv xws li koj tus social security naj npawb thiab txoj kev txij nkawm raws li txoj cai. Qhov no yuav pab tau koj qiv nyiaj rau koj ntsuam xyuas koj cov kev tsim nyog rau ib tug tshiab cov nyiaj txais.

Zoo uas qhia seb tej: Tsis pub dhau peb hnub ua hauj lwm ntawm xa koj daim nyiaj txais daim ntawv thov, koj qiv nyiaj rau koj yuav tsum tau muab ib tug uas qhia seb tej (GFE) uas qhia txog koj cov nyiaj txais cov ntsiab lus, escrow account ntaub ntawv, thiab tag nrho cov kwv yees li nqi txuam nrog tshiab koj cov nyiaj txais uas yuav ua tau vim thaum kaw.
Tseeb nyob rau hauv txais Disclosure Statement: Tsis pub dhau peb hnub ua hauj lwm tom qab ua koj daim ntawv thov nqi tsev, koj qiv nyiaj rau koj yuav xa rau koj ib tug Tseeb nyob rau hauv txais Disclosure daim ntawv. Qhov no qhia tawm muaj xws li tus nqi tag nrho raug txais, koj nqi qiv nyiaj, koj ib xyoos ib zaug Feem Pua Rate (xws li tus nqi nyiaj laum, cov ntsiab lus, broker nqi, thiab lwm yam nqi), thiab koj cov nyiaj them lub sij hawm. Koj qiv nyiaj rau koj yuav muab rau koj ib tug tshiab version ntawm koj tseeb nyob rau hauv txais kev qhia tawm ntawm kaw.
Nyob rau hauv lig 2015, cov chaw qiv nyiaj yuav pib siv ib tug tshiab txais seb daim ntawv uas combines ntaub ntawv tam sim no nyob rau hauv lub GFE thiab qhov tseeb Nyob rau hauv txais kev qhia tawm

Lub Feem ntau cov tseem ceeb Cov ntaub ntawv Koj yuav kos npe rau ntawm Kaw
HUD-1 hais sib haum Statement: Qhov no tseem ceeb daim ntawv qhia tag nrho cov sij nqi, nqi thiab khab nias txuam nrog kaw koj cov nyiaj txais. Koj muaj txoj cai tau txais cov HUD-1 hais sib haum daim ntawv rau kev soj ntsuam 24 teev ua ntej koj kaw. Nws yog ib qho tseem ceeb los saib xyuas cov HUD-1 ua tib zoo xyuas kom meej tias koj yog kos npe rau cov nyiaj txais koj pom zoo rau. Nyob rau nplooj peb ntawm cov HUD-1, koj yuav nrhiav tau ib lub rooj uas tso cai rau koj kom sai thiab yooj yim los sib piv cov kev kwv yees los ntawm koj GFE mus rau lub nqi tiag tiag.

Cov ntawv cog ceeb toom: Qhov no yog qhov kev cai lij choj ntaub ntawv uas koj kos npe rau pom zoo them rov qab cov nyiaj txais raws li cov nqe lus uas koj tau pom zoo. Nws qhia txog lub ntsiab lus ntawm cov nyiaj txais, cov hnub thaum cov nyiaj them yog yuav tsum tau ua thiab qhov twg cov nyiaj them yog yuav tsum tau xa. Nws kuj piav tej yam yuav tshwm sim yog tias koj tsis mus ua ib tug them nyiaj rau lub sij hawm.
Puav pheej ntawm Trust: Kos npe no, koj muab tus uas koj qiv txoj cai muab rov qab rau cov khoom teejtug los ntawm kaw yus lub tsev yuav tsum koj tsis them rov qab rau koj cov nyiaj txais raws li pom zoo. Qhov no daim ntawv kuj piav qhia txog koj cov cai thiab cov luag num raws li ib tug borrower.

Puav pheej ntawm Trust: Tus neeg muag khoom yuav tau kos npe rau daim ntawv mus rau cov hloov cov tswv cuab mus rau koj, thiab nws yuav muaj cov npe ntawm tag nrho cov tub lag luam rau nws. Koj lub npe yuav tsum muaj nyob rau nrog ib tug thib peb-tog trustee kom txog thaum koj tau them rau lub tsev nyob rau hauv tag nrho cov. Koj yuav tau txais ib daim ntawv luam ntawm cov puav pheej ntawm kaw.
Ntawv pov thawj thiab Cov Kev Lees: Cov no yog cov nqe lus no hais tias tag nrho cov lus qhia uas koj muab no yeej muaj tseeb, xws li hais tias cov cov khoom teejtug yuav koj tus thawj kws nyob thiab tag nrho cov kev kho vaj tse yuav tsum tau rau cov cuab yeej tau ua ua ntej kaw.

4. Kev txiav txim nqi

Refinancing koj nqi tsev yuav txuag koj pua pua ntawm nyiaj tauj ib hlis, tab sis ua ntej koj ntsaub nyob rau hauv, nws yog ib qho tseem ceeb uas koj nyob nraum paub txog tag nrho cov txuam nqi. Koj mam li xav mus ua hauj lwm ze nrog koj qiv nyiaj rau koj yuav ua li cas ib tug nqi-kev pab tsom xam thiab txiav txim seb puas refinancing ua nyiaj txiag kev txiav txim zoo rau koj.

What You Should Know Before Refinance mortgage is

Khoom nrhiav lus:

  • ano ang refinancing
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Yuav ua li cas Koj yuav tsum paub ua ntej tsev Refinance | refinance nqi tsev, nqi tsev refinance, Refinance, Refinancing

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