He aha e koe ki te kia mohio mua Mortgage Refinance

He aha kia mohio koe mua Refinance mokete he

Whakakapi i te taketake mokete ki te tiki i te fare hou mokete ki te karangatia e refinancing. Refinancing Ko te kōwhiringa e ai te hanga i te nama ki te tiki rerekē, me te pai i te wā moni, me te auau. A, no te te tuatahi taurewa home Kua oti kē utua, te tuarua taurewa e anō ki te hanga i te hou mokete hei utu mo a ka whiua e te mokete taketake atu.

Ki te whai kaitono i te hītori moni tāwere pai, Ka taea e ratou refinancing hei ara pai atu i te aroaro o.


No te tauira, Ka taea e ō rātou ngākau nuitanga tahuri te ana'iraa taurewa auau ki te pānga pūmau, me te hoki e taea te tiki i te raro auau huamoni. Otiia ki te whai nama kino kaitono tonu ranei e whai rawa nui nama ki te haere, refinancing e meá mo ratou mokete.
I roto i tetahi āhuatanga ōhanga hoki e rua auau huamoni tiketike, me te ōhanga iu, ai kia uaua rawa ki te hanga utu i runga i te mokete te kāinga, me te kia uaua atu tūmanakohia koutou ai.

Na tika inaianei te mahi whakaaro koutou e kitea e koe koe i roto i tenei āhuatanga??

Na kia mau ai ki to koutou wa ki te whakaaro refinancing mokete.

Tuatahi o nga mea katoa o te refinancing ko te ati i roto i refinancing teka i roto i te kuware. Ki te kore koe e mohio rite e pā ana ki refinancing, Ka taea e tukino i te reira koutou ki te whakanui ake e tukupu ana te reira nui atu i to koutou auau huamoni!

Na reira, hei tauira, kia mohio koe i te iti rawa i te matauranga taketake, ano te whakatairite reiti o ia kaituku pareparenga ranei o nāianei i roto i to koutou rohe.

Eaha te te Whakamāramatanga o Refinancing?
Refinancing Ko te tukanga o te whiwhi i te hou mokete taurewa hoki whakaiti utu ā-marama i ia o raro ngä päpätanga huamoni, tango moni i roto o to outou utuafare no te hokonga nui ranei te huri kamupene mokete. Nuinga o te iwi refinance mokete ka whai ratou tika i runga i to ratou mau fare, i te mea te rerekētanga i waenganui i te nui nama ki te kamupene mokete me te utu o te fare.

kia refinance koe mōkete ?
kia koe refinance mokete ?

4 mea ki te whakamahere mō mokete Refinance

1. E mohio ana ko wai e whai wāhi hoki mokete Refinance

Ahakoa e maha ana ngaio hoki mokete Refinance rite Appraisers tūturu whenua me Underwriters mōkete te hunga e haere mai ki te mahi tūranga rite nui, tou whakapā tuatahi ka waiho koutou kaituku mo tetahi momo o refinance. Ka whai ki te mahi tuatahi ki tou kaituku mā te tukanga Refinance mokete koe. I te tahi atu i te ringa, ka mahi koutou kaituku ki te kapa nei e whai wāhi i roto i tou tauwhitinga o te mokete refinancing. Ahakoa kore e whakatau ia koe katoa o te tangata e pā ana, Ko reira tino nui kia mohio koe ki o ratou tūranga o te mokete refinancing.
Kaituku ranei Loan āpiha nei ko te tangata e ka arotake i to koutou nama, pūtea, a ki te kōrero mahi kite, ki te āhei koe mo te Refinance. A, no te whakaoti ratou to ratou aro mātai, ka whakarato koe e ratou ki te kōwhiringa pūtea me te āwhina hoki ia koe kia oti ra ano tou tono mokete. Ka mau ratou ki te ara o tona mana i roto i te tukanga whakaae taurewa.
Loan pūtukatuka nei ko te tangata e ka whakapai tou mokete taurewa ngā mōhiohio me te tono mō te whakaatu i ki te underwriter mokete. Ka meinga e ratou tino e kua whakaurua e koe tuhinga tika katoa, tau katoa e tika tātai, me nga mea katoa kei roto i te tikanga ki te whakarite i te whakatau wā i runga i tou whakaae.
Mortgage underwriter nei ko te tangata e ka aromatawai i ōu paearu whakauru mō te taurewa e hāngai ana i runga i tō hītori moni tāwere, hītori mahi, rawa, nama, me ētahi atu āhuatanga.
Kaiarohaehae whenua Real nei ko te tangata e ka tātari, ka arotake i unbiasedly koutou te kāinga, me te taonga ki te whakatau i te uara o te mau taonga. Ka whakarato rātou i āwhina ki te hunga e ake, whakahaere, hoko, haumi i roto i a te whakatarewa moni ki runga ki te haumarutanga o te mau fenua.
Tukú e ngā māngai nei ko te tangata e ka tokanga'i, me te ruruku i te kati rānei “whakataunga” o koutou taurewa, tuhi i te tuhinga kati, ka utu i te moni ki nga takitahi e tika ana, me ngā rōpū.
Katoa o enei iwi i tūranga rerekē engari nui i roto i to koutou refinancing mokete. Ana ki a ratou, ui pātai, a ka mahara e mahi ana ratou mo koutou.
(tohutoro : zillow.com)

2. Huihuia mai koutou tuhinga whaiaro mō te mokete Refinance

A, no te whakatau ia koe tou kaituku ki te tono mo te mokete refinance, Ka Me ki te whakarato i ō pārongo whaiaro koe, rite noa ta koutou i hoki koutou te hoko te kāinga. Ka tukua ēnei tuhinga koutou kaituku ki te whakatau koutou paearu, tae atu ki tou W-2s, tauākī pēke, me hoki tāke.
Ko te tukanga o te refinancing mokete he tino rite ki te tukanga hoko te kāinga. E hanga e koe he taurewa hou ki ngā hou noa kaituku hou ranei (ahakoa kei te whakamahi koe tou kaituku taketake i te kaituku hou ranei). Ko te tukanga ka rapua e te tuhinga taua, me te mōhiohio e whakaratohia ana e koe ina koe hokona te tuatahi koutou te kāinga.

Ko te tuhinga i raro nei e whai ake nei ko te aha e whai ki te whakarato ki te tangata nana i a koutou:

• W-2s i te tau o mua, pea rua
• ngotungotu e Taki Pay i te tetahi mua ki te toru marama
• He tohu whakaaturanga o tetahi moni tāpiri
• tuhinga Tāke i te rua nga tau o mua, tae atu ki ngā whārangi, me ngā rārangi katoa
• Ki te mea ko koe whaiaro-mahi, te reira pea ka whai koe ki te tuku i te tau-o nāianei pai-a-mate-tauākī, i roto i te tahi atu tuhinga
• tauākī Takitaki me penapena pēke i te tetahi mua ki te toru marama
• tauākī pūkete Investment - tae atu ki 401(k), rakau, Ira me te tahi moni - i te mua tetahi ki te toru marama
• Tauākī mo te moni tarewa katoa, tae atu motokā taurewa, ākonga taurewa, kāri nama me tō mōkete nāianei
• Tārua o te raihana o tou taraiwa

Parau : te roanga o te tuhinga rerekē ai pea ngā kaituku ki te kaituku
Ki te e whakarerea e koe, Me ki te whakarato i tētahi tārua o koutou ture whakarere haere ki te alimony e hāngai ana ranei tuhinga tautoko tamaiti koe.

3. Understanding nga Tuhinga Ngā

A, no te hokona e koe tou whare, arotakehia koe a hainatia maha tuhinga mua ki a i te katinga. A, no te refinance koe tō mōkete, koe e hiahiatia kia ki te mahi i te taua i te mea he he taurewa hou ki reiti hou me ngā tenei. Maua atu etahi wa ki te arotake i ēnei tuhinga ano me te oranga koutou te matauranga.

Forms ka kite koe I mua ki te Mutunga
Uniform Residential Loan Taupānga: Ko te taua tenei mokete taurewa oti koe tono ka hokona koe tou whare, hopu pārongo matua mō te koutou, koutou pūtea, me ngā taipitopito o tō mōkete pūmanawa. Ki tenei puka, ka hiahiatia e koe ki te whakarato i ngā mōhiohio e pā ana ki to koutou moni marama, whakapaunga whare ngā, rawa me ngā herenga, me te mōhiohio whaiaro pēnei i tou tau haumarutanga pāpori me te märena. E tauturu tēnei mōhiohio koutou kaituku te aromatawai i tō paearu whakauru mō tētahi pūtea taurewa hou.

Pai Tuí Tuhinga: I roto i nga ra mahi e toru o te tuku i tō tono taurewa oti, Me whakarato e koe tou kaituku ki te pai te faaroo Tuhinga (GFE) e ngā koutou ngā taurewa, Escrow mōhiohio pūkete, me utu tata katoa e pā ana ki hou koutou taurewa e ka tika i te katinga.
Pono i roto i te Lending Tauākī Whāki: I roto i nga ra e toru pakihi i muri i te whakaoti i tō tono mokete, Ka tukua atu koutou kaituku he pono koutou i roto i Lending tauākī Whāki. Tēnei puakanga ngā te tapeke i te pütea, tou tiaki pūtea, tou Auau ōrau ā- (tae atu ki te moni auau, ngā, utu kaihokohoko, me ētahi atu utu), me to koutou hōtaka utu. Tou kaituku ka hoatu e koe he putanga whakahoutia o koutou pono i roto i te tuku ana whākinga i te katinga.
I te mutunga o 2015, ka timata kaituku te whakamahi i te Puka Estimate hou Loan e whakakotahi ngā mōhiohio i tēnei wā i roto i te GFE me te pono I roto i te Lending whākinga

Ko te Puka Mahu'inga Tahá ka Waitohu koe i Mutunga
HUD-1 Whakataunga Tauākī: E whakarato ana tēnei tuhinga matua katoa o te utu tūturu, utu me ngā whiwhinga e pā ana ki te kati i tō taurewa. E koe te tika ki te farii i te tauākī whakataunga HUD-1 mō te arotake 24 haora i mua i to koutou kati. He mea nui ki te arotake i te HUD-1 āta ki te āta whakarite i te te takiuru koe ki runga mo te taurewa whakaae koe ki. I te api e toru o te HUD-1, ka kitea e koe i te tepu e taea ai e koe ki te hohoro, me te ngāwari te whakarite i te whakatau tata i tou GFE ki te utu tūturu.

Ko te poromihi: Ko tenei te tuhinga ture e faka'ilonga whakaae koe ki te utu i te pūtea rite ki nga ngā kia e whakaae koutou. E whakamärama ana i te kōrero o te taurewa, te rā ka utu e ki kia hanga me te wahi utu e ki kia tonoa. E whakamārama ana hoki te mea e nehenehe e tupu, ki te kore koe ki te hanga i te utu i runga i te wā.
Pukapuka o Trust: Mā te waitohu i tēnei tuhinga, e hoatu ki a koutou te kaituku i te tika ki te tango i whakahokia te taonga i te foreclosure kia kore koe ki te utu koutou taurewa i whakaaetia. Ano whakamārama koutou tika me ngā kawenga ano he nama tēnei tuhinga.

Pukapuka o Trust: Ka haina te kaihoko te pukapuka ki te whakawhiti te mana ki runga ki a koutou, a ka whai i te reira i te ingoa o te kaihoko katoa i runga i te reira. Ka tū tō taitara ki te kaitiaki tuatoru-rōpū noa kua utua e koe mo te whare i roto i te ki tonu i. Ka riro ia koe he tārua o te pukapuka i te katinga.
Affidavits me ngā whakapuakanga: He tauākī korero ana he pono te kōrero katoa e whakaratohia ana e koe enei, tae atu e ka i te taonga koutou noho tuatahi me hanga katoa e hiahiatia ana i runga i te taonga i hanga mua ki te kati.

4. Whakatau i te Utu

Refinancing tō mōkete e taea te whakaora e koe rau tāra ia marama, engari i mua i te ruku koe i roto i, te mea nui e kei mōhio o ngā utu e pā ana katoa koutou. Ka hiahia koe ki te mahi ngātahi ki tou kaituku ki te mahi i te tātaritanga utu-painga, me te whakatau mehemea refinancing hanga tikanga pūtea hoki koutou.

He aha kia mohio koe I mua Refinance mokete Ko

Ngā kupu rapu Taumai:

  • மறு கடன்
Kihai i kitea.
Tātari Scridb
He aha e koe ki te kia mohio mua Mortgage Refinance | Refinance mokete, mokete Refinance, Refinance, Refinancing

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