Yini Kufanele Yazi Ngaphambi Mortgage Refinance

Lokho Okufanele Ukwazi Ngaphambi refinance mortgage kuyinto

Esikhundleni the original mortgage ukuze uthole ikhaya elisha mortgage ukuze kubizwa refinancing. Refinancing lokuzikhethela engase enze umboleki ukuze uthole ezahlukene futhi engcono inzalo term and rate. Lapho kuqala ekhaya loan isikhokhiwe kakade, owesibili loan ngeke ukusungulwa ekwenzeni entsha mortgage esikhundleni bese uphonsa mortgage original away.

Uma ababoleka umlando omuhle credit, refinancing yabo kungaba indlela engcono kunangaphambili.


Ngokwesibonelo, Izithakazelo zabo ukuguqula a variable loan isilinganiso intshisekelo esinqunyiwe futhi ungathola ngenzalo ephansi. Kodwa uma ababoleka credit ezimbi noma kusadingeka izikweletu kakhulu ukuya, refinancing mortgage kuyoba okuyingozi kubo.
Kunoma isimo somnotho kokubili okusezingeni interest rates futhi umnotho engazinzile, kungase kube nzima ukwenza inkokhelo on a mortgage ekhaya futhi kungase kube ilukhuni ngaphezu kwakho kulindeleke.

Futhi manje ucabanga ukuthi uzithole kulesi simo??

Ngakho kungase kube isikhathi sakho ukucabangela refinancing mortgage.

Okokuqala of the refinancing iyingozi in refinancing amanga ngokungazi. Uma ungazi kahle hle mayelana refinancing, kungakulimaza wena kanye ziyanda interest rate yakho kunokuba ukwehlisa it!

Ngakho, Ngokwesibonelo, kufanele wazi okungenani ulwazi oluyisisekelo fana nokuqhathanisa rates samanje ababolekisi ngamunye noma amabhange endaweni yakho.

Uyini The Definition of Refinancing?
Refinancing inqubo yokuthola entsha loan mortgage ekunciphiseni imali nyanga zonke evela kokuba aphansi amazinga enzalo, ukuthatha imali out of ekhaya lakho ukuthenga enkulu noma ukushintsha inkampani mortgage. Abantu abaningi refinance mortgage lapho babe ukulingana kwemizi yabo, okuyinto umehluko phakathi lemali ekweletwa inkampani mortgage kanye kuwufanele ekhaya.

kufanele yini refinance mortgage ?
kufanele yini refinance mortgage ?

4 izinto ukuhlela mortgage refinance

1. Yazi abayobe abathintekayo mortgage refinance

Nakuba zikhona ochwepheshe abaningi for mortgage refinance like ingcebo appraisers futhi mortgage bomshuwalense labo kuyofika ukusebenza izindima njengoba ebaluleke, contact yakho primary kuyoba umbolekisi yakho nganoma yisiphi uhlobo refinance. Uyoba ukusebenza okokuqala nge obolekisayo yakho nge mortgage refinance inqubo. Ngokolunye uhlangothi, umbolekisi yakho izosebenza nge iqembu abayobe ezihilelekile transaction yakho ye mortgage refinancing. Nakuba ungeke ukuhlangabezana yonke abantu ahlobene, kubalulekile ngempela ukuthi kufanele bazi izindima zabo mortgage refinancing.
Obolekisayo noma Loan Isikhulu ngubani umuntu ukuthi izobheka credit yakho, zezimali, kanye nemsebenti ulwazi ukubona uma ukuthola refinance. Uma beqeda ukuhlolwa kwabo, bayohlala ukukunikeza ongakhetha ngezimali futhi kukusize kuze mortgage isicelo sakho sigcwaliswe. Bayoba ukulandela isimo salo ngesikhathi loan inqubo yokwamukela.
Loan processor ngubani umuntu ukuthi ngeke ukulungiselela kwakho loan mortgage ulwazi kanye isicelo ethula the underwriter mortgage. Bathi uyoqinisekisa ukuthi baye bafaka yonke imibhalo efanele, zonke izinombolo kubalwa ngokunembile, futhi konke ukuze kuqinisekiswe esenziwe ngesikhathi ekwamukelweni yakho.
Mortgage underwriter ngubani umuntu ukuthi uzohlola ukufaneleka kwakho for the loan kumlando wakho credit, Umlando Wokusebenza, Impahla, izikweletu, kanye nezinye izici.
Real estate ethengiswayo ngubani umuntu ukuthi sizohlaziya futhi ahlaziye unbiasedly ekhaya lakho nempahla ukucacisa value of the impahla real. Bayoba ukunikeza usizo kulabo ngumnikazi, ukuphatha, ukuthengisa, ukutshala futhi ukubolekisa ngemali on the security ingcebo.
Ukuvala abamele ngubani lowo Uzoqondisa nokuhlela lokuvala noma “settlement” imalimboleko yakho, Ukurekhoda imibhalo lokuvala, futhi akhokhe imali abantu ezifanele kanye nezinhlangano.
Bonke laba bantu babe izindima ezihlukene kodwa ezibalulekile mortgage yakho refinancing. Lean phezu kwabo, buza imibuzo, futhi khumbula ukuthi basebenzela ngawe.
(inkomba : zillow.com)

2. Buthani idokhumenti yakho siqu ukuze mortgage refinance

Uma uhlangana obolekisayo yakho ukuze isicelo a mortgage refinance, uzodinga ukunikeza ulwazi lwakho lomuntu siqu, like njengoba nje wenzile for ekhaya lakho wokuthenga. Le mibhalo kuzovumela umbolekisi yakho ukunquma ukufaneleka kwakho, kuhlanganise yakho W-ngaku-2, zasebhange, futhi intela ukubuya.
Inqubo ye refinancing mortgage kakhulu efana ekhaya inqubo ukuthenga. You uqamba loan entsha nemigomo emisha noma ngisho obolekisayo entsha (ukuthi ubhekene usebenzisa umbolekisi yakho original noma umbolekisi entsha). Inqubo kuzodinga umqulu efanayo futhi ulwazi olunikezile uma ekuqaleni uthenge ekhaya lakho.

Lo mbhalo okulandelayo ngezansi yilokho onakho ukunikeza umbolekisi:

• W-ngaku-2 kusuka ngonyaka odlule, mhlawumbe ezimbili
• Pay isheke izinqamu lowo izinyanga ezintathu ezidlule
• Ubufakazi imali eyalandela
• imibhalo Tax kusukela eminyakeni emibili eyedlule, kuhlanganise wonke amakhasi kanye okulindelwe
• Uma kukhona abazisebenzayo, kungcono cishe uzoba ukuhambisa a-nyaka inzuzo-and-ukulahlekelwa-isitatimende, phakathi kwezinye imibhalo
• ukuhlola ebhange yokonga izitatimende ezivela elilodwa kuya ezinyangeni ezintathu ezedlule
• akhawunti Investment Izitatimende - kuhlanganise 401(k), amasheya, Ira and mutual funds - kusukela esidlule eyodwa izinyanga ezintathu
• Izitatimende for bonke kweletu, kuhlanganise car loans, student loans, credit cards kanye mortgage wakho wamanje
• Ikhophi ilayisense yokushayela wakho

Phawula : isikhathi imibhalo ingase ihluke obolekisayo kuya umbolekisi
Uma ubhekene ohlukanisile, udinga ukunikeza ikhophi yakho isimemezelo yesehlukaniso kanye ukondla obushade naye emuva kwesehlukaniso umataniswe noma ingane imibhalo ukwesekwa.

3. Ukuqonda Imibhalo angenele

Uma uthenge ekhaya lakho, wena kubukezwe futhi asayinwe eziningi ngaphambi and at lokuvala. Uma refinance mortgage yakho, kuzodingeka ukuba benze okufanayo njengoba lena loan entsha kanye rates ezintsha kanye imigomo. Zinike isikhathi esithile ukubukeza zokuwabona aphinde futhi uvuselele ulwazi lwakho.

Amafomu uzobona Ngaphambi lokuvala
Residential Uniform Loan Isicelo: Lokhu kuyafana loan mortgage Isicelo wena igcwaliswe uma uthenge ekhaya lakho, akhombise ulwazi olusemqoka mayelana ngawe, izimali zakho, kanye nemininingwane mortgage yakho engahle. With lelifomu, kuyodingeka ukuba banikeze ulwazi mayelana iholo sakho senyanga, kuhlangene izindleko zasekhaya, izimpahla kanye nezikweletu, kanye nolwazi oluqondene efana inombolo yakho social security futhi isimo somshado. Lolu lwazi kuzosiza umbolekisi yakho ukuhlola ukufaneleka kwakho loan entsha.

Good Faith Combela: Zingakapheli izinsuku ezintathu ibhizinisi kokuthumela isicelo sakho loan eligcwalisiwe, umbolekisi yakho kumele ukukunikeza Good Faith Combela (GFE) esimayelana loan yakho imigomo, yensimbi ulwazi akhawunti, futhi yonke izindleko ezilinganiselwa ezihambisana ezintsha loan yakho ukuthi kuyoba ngenxa at lokuvala.
Iqiniso Ukubolekwa Statement Disclosure: Zingakapheli izinsuku ezintathu ngemuva kokuqeda mortgage isicelo sakho, umbolekisi yakho uzokuthumela Iqiniso Ukubolekwa esitatimendeni Disclosure. Lokhu ukuvezwa kuhlanganisa isamba kokuba ngetimali, ezezimali zakho icala, Amaphesenti yakho Rate Annual (kuhlanganise interest rate, amaphuzu, Imali broker, kanye nezinye izindleko), futhi isimiso sakho yokukhokha. Umbolekisi Your sizokunika version olusha Weqiniso yakho uboleka ukudalulwa at lokuvala.
Ngasekupheleni kuka 2015, ababolekisi uzoqala usebenzisa entsha Loan Combela Form ehlanganisa ulwazi okwamanje GFE futhi Iqiniso Ukubolekwa ukuvezwa

The Amafomu Ebaluleke Kakhulu Uzoba Ngena at lokuvala
HUD-1 Settlement Isitatimende: Lo mbhalo key inikeza zonke izimali langempela, izindleko nokubonga ezihambisana ukuvala loan yakho. Unelungelo lokuthola le HUD-1 settlement isitatimende for review 24 amahora ngaphambi lokuvala yakho. Kubalulekile ukuba babukeze HUD-1 ngokucophelela ukuqinisekisa ukuthi ukubhalisela ngoba loan wavuma. On page ezintathu the HUD-1, uzothola ithebula ukuthi ikuvumela ukuba ngokushesha futhi kalula uqhathanisa nezilinganiso kusuka GFE yakho izindleko langempela.

The Promissory Inothi: Lona umqulu zomthetho wena uphawu ngokuvuma ukuba imali ebolekiwe ngokuvumelana nemibandela ngalo bavumelana. It uchaza imininingwane loan, izinsuku lapho izinkokhelo okumelwe yenziwe futhi lapho ukukhokha ukuba kuthunyelwe. Sichaza nokuthi yini engenzeka uma uhluleka ukwenza inkokhelo ngesikhathi.
Ngesenzo of Trust: Ngokusayina lesi dokhumenti, usuke enikeza umbolekisi ilungelo ukuthatha emuva impahla by Ukuvalwa kufanele uhluleka ukukhokha loan yakho njengoba kuvunyelwene. Lo mbhalo futhi uchaza amalungelo akho kanye nezibopho njengoba umboleki.

Ngesenzo of Trust: Umdayisi ngeke asayine itayitela ukudlulisa ubunikazi phezu kuwe, futhi uyoba amagama zonke abathengi kuwo. Isihloko sakho izobanjelwa nge umphathiswa third-party uze ubhadale for the house in full. Uzothola ikhophi ngesenzo ngezinye lokuvala.
Ezifungelwe Engcwele: Lezi izitatimende ngimemezela lonke ulwazi olunikezile kuyiqiniso, kuhlanganise ukuthi impahla kuyoba umuzi primary yakho nangawo wonke izimfa impahla benziwa ngaphambi lokuvala.

4. Ukunquma Izindleko

Refinancing mortgage yakho kungasindisa nawe amakhulu ama-dollar ngenyanga, kodwa phambi kwakho ngena, kubalulekile ukuthi ungumuntu uyazi yonke izindleko ezihambisana. Uzoba ufuna ukusebenzelana eduze obolekisayo yakho ukwenza analysis cost-inzuzo futhi anqume ukuthi refinancing kwenza umuzwa ngokwezimali.

Lokho Okufanele Ukwazi Ngaphambi Refinance mortgage kuyinto

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Yini Kufanele Yazi Ngaphambi Mortgage Refinance | refinance mortgage, mortgage refinance, Refinance, Refinancing

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