Dab tsi koj yuav tsum paub ua ntej yuav nqi tsev Refinance

Yog dab tsi koj yuav tsum paub ua ntej refinance nqi tsev

Hloov daim tseem cia nrog nqi tsev tau ib lub tsev tshiab nqi tsev los yog hu ua txais. Txais yog xaiv ua tus borrower mus ib lub sij hawm sib txawv thiab cov zoo txaus siab thiab tus nqi. Thaum tus thawj cov nyiaj txais tsev yog them twb, qhov thib ob nyiaj txais yuav tsum recreated txoj kev ua ib tug tshiab nqi tsev xwb thiab ces ntuav cov nyiaj txais muas tsev yuavtsum tseg.

Yog hais tias borrowers muaj keeb kwm zoo daim credit, lawv txais tau yog ib txoj kev zoo tshaj ua ntej.


Piv txwv, Lawv nyiam yuav hloov ib kuj sib txawv thiab nyiaj txais npaum tau ib zag paj thiab kuj ua tau rau ib sab paj dhia. Tab sis, yog hais tias borrowers muaj phem rov los yog tseem muaj ntau nqi mus, txais nqi tsev thiaj li pheej hmoo ua si.
Yam li economic siab rau paj thiab tus economy tsis ruaj tsis khov, nws yuav tsis yooj yim heev kom them rau lub tsev thiab tej zaum yuav tougher li koj tuaj.

Thiab tam sim no muaj cai ua koj xav tias koj nrhiav tau koj tus kheej no li??

Li ntawd, tej zaum yuav txais tau cov nyiaj txais muas tsev rau koj lub sijhawm.

Ua ntej tshaj tag nrho lub hli yog phom sij rau hauv Relief lus dag hauv ignorance. Yog koj tsis paub xyov txog Relief, nws yuav ua rau koj ntxiv kom koj tus nqi paj laum es muab tej!

Yog li no, Piv txwv, koj yuav tsum paub tsawg kawg yog qhov yooj yim txuj ci li muab piv tam sim no rau txhua lub lenders los yog nyiaj hauv cheeb tsam koj nyob.

Lub ntsiab txhais Relief yog dab tsi?
Yog txais txoj kev kis tau tus tshiab cov nyiaj txais nyiaj txais muas tsev kom txo txhua hli uas them tawm muaj txo nqi paj, noj nyiaj tawm hauv koj lub tsev loj loj rau los yog pauv cov tuam txhab nyiaj txais muas tsev. Neeg feem coob refinance nqi tsev thaum lawv muaj nqis nyob hauv lawv tsev, Nws yog ib qhov txawv ntawm qhov nyiaj them mus rau cov tuam txhab nyiaj txais muas tsev thiab cov muas lub tsev.

koj yuav tsum refinance nqi tsev ?
yuav tsum tau koj refinance nqi tsev ?

4 tej yam uas yuav npaj rau kev refinance nqi tsev

1. Paub uas yuav los raus tes rau kev refinance nqi tsev

Txawm hais tias muaj ntau ntau cov tub txawg rau kev refinance nqi tsev zoo li appraisers av thiab cov nyiaj txais muas tsev underwriters cov yuav tuaj ua hauj lwm raws li tus cwj pwm tseem ceeb, your primary contact will be your lender for any type of refinance. Koj yuav tau ua hauj lwm firstly uas koj lender ntawm kev refinance nqi tsev. Rau lwm cov tes, koj lender yuav koom tes nrog ib pab neeg uas yuav los raus tes rau qhov koj tham txog kev txais nyiaj txais muas tsev. Txawm tias koj yuav tsis tau raws li tag nrho cov neeg lwm yam, Yog tias koj yuav tsum paub lawv tus cwj pwm ntawm cov nyiaj txais muas tsev Relief ceeb heev.
Lender or Nyiaj txais officer who is the person that will evaluate your credit, nyiaj txiag, thiab ntaub ntawv ua hauj lwm seb yog tias koj tsimnyog txais ib refinance. Thaum lawv ua lawv qhov kev luj xyuas, lawv yuav qhia koj txog koj txais tau kev xaiv thiab pab koj kom ua tiav koj daim ntawv thov nyiaj txais muas tsev. Lawv yuav khaws taug qab cov nws raws li txoj cai hauv txoj kev pom zoo muab nyiaj txais.
Loan processor who is the person that will prepare your cov nyiaj txais nyiaj txais muas tsev information and application for presenting to the mortgage underwriter. Lawv yuav xyuas kom meej tias koj tau sau cov ntaub ntawv kom zoo, txhua tus zauv yog payment yog, txhua yam yog xav kom txiav txim rau koj pom zoo tsa.
Nqi tsev underwriter uas yog tus neeg uas yuav ntsuam xyuas tau koj li cas rau cov nyiaj txais los ntawm koj daim credit keeb kwm, ua haujlwm dhau los, puav, cov nuj nqis, thiab lwm yam.
Av appraiser uas yog tus neeg uas yuav tsom xam thiab ntsuas unbiasedly koj lub tsev thiab tej khoom ci txog cov nqi ntawm cov vaj tse. Lawv yuav muab kev pab rau cov neeg uas nyias muaj nyias, hwj, muag, nqis peev pab rau thiab tsis kam txais nyiaj rau cov kev ruaj ntseg ntawm cov av.
Kaw cov neeg sawv cev leej twg yog tus uas yuav tsomkwm thiab npaj kaw los yog “haum” ntawm koj cov nyiaj txais, kaw cov ntaub ntawv kaw, thiab them nyiaj rau cov neeg uas tsim nyog thiab koom haum.
Tag nrho cov neeg muaj cwj pwm txawv tab sis tseem ceeb hauv koj nqi tsev Relief. Ntshiv nws, nug, thiab nco ntsoov hais tias lawv ua haujlwm rau koj.
(siv : zillow.com)

2. Muab koj tej ntaub ntawv rau kev refinance nqi tsev

When you meet your lender to thov nyiaj lub nqi tsev refinance, koj yuav tau muab koj tej ntaub ntawv, xav li koj ua rau koj lub tsev nriav. Cov ntaub ntawv yuav tso cai rau koj lender los txiav txim tias koj tsim nyog, xws li koj W-lej thib 2, nqe lus sij, thiab se.
Yog zoo li lub tsev muas kev txoj dlua tus nqi tsev. Koj nyob nraum tsim ib cov nyiaj txais tshiab nrog cov lus tshiab lossis lender tseem tshiab (seb koj nyob nraum siv koj yuavtsum lender los sis ib tug tshiab lender). The process will require the same document and information you provided when you originally purchased your home.

The below following document is what you have to provide to the lender:

• W-2s from the past year, perhaps two
• Pay check stubs from the past one to three months
• Proof of any supplemental income
• Tax documents from the past two years, including all pages and schedules
• If you are self-employed, it’s likely you’ll have to submit a current-year profit-and-loss-statement, among other documentation
• Checking and savings bank statements from the past one to three months
• Investment account statements – including 401(k), stocks, IRA and mutual funds – from the past one to three months
• Statements for all debts, including car qiv, student qiv, credit cards and your current mortgage
• Copy of your driver’s license

Remark : the duration of documentation may differ from lender to lender
If you’re divorced, you need to provide a copy of your divorce decree along with associated alimony or child support documentation.

3. Understanding the Documents Involved

When you purchased your home, you reviewed and signed many documents prior to and at closing. Thaum twg koj refinance nqi tsev koj, koj yuav tsum ua tib yam li qhov no nws yog ib tug tshiab nyiaj txais rau cov nqi tshiab thiab cov ntsiab lus uas. Siv tej lub sij hawm txheeb xyuas cov ntaub ntawv dua thiab kho kom tshiab koj paub.

Cov ntaub ntawv uas koj yuav tau saib ua ntej kaw
Daim ntawv thov nyiaj txais thaj teeb: Qhov no yog tib yam cov nyiaj txais nyiaj txais muas tsev thov koj ua tiav thaum koj muas tau hauv koj lub tsev, capturing cov lus qhia tseem ceeb txog koj, koj tej nyiaj txiag, thiab cov lus ntawm koj tej nyiaj txais muas tsev. Nrog rau tsab ntawv no, koj yuav tsum muab cov lus qhia txog koj cov nyiaj hli, tag nrho cov kev siv nyiaj hauv tsev, tej khoom muaj nqi thiab liabilities, thiab tej ntaub ntawv xws li koj tus social security number thiab raws li txoj cai ob leeg. Cov ntaub ntawv no yuav pab koj lender ntsuam xyuas tau koj li cas ib tug tshiab nyiaj txais.

Txoj kev ntseeg zoo kwv yees: Nyob rau hauv 3 hnub ntawm xa tawm koj daim ntawv thov nyiaj txais tsab, koj lender yuav tsum muab rau koj ib tug kwv yees zias (GFE) uas txog koj qhov nyiaj txais lus, ntaub ntawv tus account nyob, thiab kwv yees li ntawm tag nrho cov nqi uas tshiab koj nyiaj txais uas yuav tau them rau kaw.
Tseeb hauv luam lub Disclosure Statement: Tsis pub dhau 3 hnub tom qab koj sau koj daim ntawv thov nyiaj txais muas tsev, koj lender yuav xa tuaj rau koj ib qhov tseeb ntawm daim ntawv luam lub muab tawm. No muab ntaub ntawv muaj xws li nyiaj tau Foster, koj hais txog nyiaj txiag xwb, koj pua ib xyoos ib zaug twg (xws li tus nqi paj laum, ntsiab lus, tus nqi tes broker, thiab lwm yam nqi), thiab koj cov nyiaj them raws sij hawm. Koj lender yuav qhia rau koj tus version kho tshiab ntawm koj tseeb nyob rau luam lub muab ntaub ntawv thaum kaw.
Nyob lig 2015, lenders yuav pib siv cov tshiab nyiaj txais kwv yees daim ntawv combines ntaub ntawv tam sim no nyob hauv lub GFE thiab tus muab ntaub ntawv tseeb nyob rau luam lub

Muab cov ntaub ntawv tseem ceeb koj yuav kos npe rau ntawm kaw
Tsab ntawv hais sib haum HUD-1: Hauv daim ntawv no tseem ceeb yog qhia tag nrho cov nqi them nqi, cov nqi thiab cov qhab nia uas kaw tau koj cov nyiaj txais. Koj muaj txoj cai txais HUD-1 haum nqe lus kom rov los saib dua 24 teev ua ntej koj kaw. Nws tseem ceeb heev los saib xyuas cov HUD-1 los xyuas kom meej tias koj yog kos npe rau koj paub zoo txog cov nyiaj txais ua tib zoo. Nyob rau phab 3 rau hauv HUD-1, koj yuav nrhiav tau ib cov lus uas tso cai rau koj kom sai thiab yooj yim tus kwv ntawm koj GFE lub sij cov nqi sib piv.

Tus Promissory Note: Qhov no yog cov ntaub ntawv raws li txoj cai koj kos npe pom zoo them rov qab cov nyiaj txais raws li cov nqe lus uas koj pom zoo. Kom paub meej txog cov nyiaj txais txog nws, lub sijhawm thaum them yuav ua thiab qhov twg cov nyiaj yuav tau xa mus. Nws kuj qhia tau li cas yog hais tias koj tsis them nyiaj tuaj raws sij hawm.
Puas yuav ntseeg: Kos npe rau daim ntawv no, koj yuav muab lub lender txoj cai thim tau cov cuab yeej los ntawm cov ntawv sau qhia koj yuav tsis tau them rov qab cov nyiaj txais koj li. Daim ntawv no kuj piav txog koj cov cai thiab tes num ua ib borrower.

Puas yuav ntseeg: Tus neeg muag khoom yuav kos npe qhov puas rho cov tswv cuab nyob rau koj, thiab nws yuav ua tau lub npe ntawm txhua tus buyers rau nws. Koj lub npe yuav muaj nyob nrog ib-thib trustee kom txog rau thaum koj tau them rau lub tsev tas. Koj yuav tau txais ib daim qauv ntawm qhov puas thaum kaw.
Affidavits thiab cov ntaub ntawv: Cov no yog ib nqe lus declaring tag nrho rau cov lus koj hais yeej muaj tseeb, xws li tias cov cuab yeej yuav tau koj tsev neeg thiab txhua yam yuav tsum tau rau yam cuab yeej kho tau ua ntej kaw.

4. Khom nqi

Txais koj cov nyiaj txais muas tsev yuav txuag koj 175,000 tsib duas las no, tab sis ua ntej koj ntsaub, Nws tseem ceeb heev uas koj nyob nraum ras paub txog cov nqi rau cov kab. Koj mam xav mus ua hauj lwm zoo uas koj lender mus ua ib lub tsom xam nqi-nyiaj thiab txiav txim seb puas yuav tau txais kev txiav txim zoo ua nyiaj txiag rau koj.

Koj yuav tsum tau paub dab tsi ua ntej Refinance nqi tsev yog

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Dab tsi koj yuav tsum paub ua ntej yuav nqi tsev Refinance | refinance nqi tsev, kev refinance nqi tsev, Refinance, Txais

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