Yakagadziridzwa Kuwedzeredzwa muna Zvita 1, 2020
Unoda kuziva bhangi rakanakisa reVA zvikwereti zvemba muAlaska? Heano mamwe emabhangi akanakisa uye anokweretesa aunogona kushandisa kuwana akanakisa VA zvikwereti zvemba muAlaska. Asi tisati taenda mberi, ngatinzwisise zvizere pfungwa ye "VA chikwereti" uye kuti inoshanda sei.
Zviri Mukati
Chii chinonzi VA Chikwereti?
Chikwereti cheVA chikwereti chemumba chinowanikwa pasi pechirongwa chakagadzwa neUnited States Dhipatimendi reVeterans Affairs (yaimbova Veterans Administration).
Chikwereti cheimba cheVA chakagadzirwa muna 1944 nehurumende yeUnited States kuti ibatsire nhengo dzebasa dzinodzoka kutenga dzimba dzisingade kubhadhara kana chikwereti chakanakisa. Ichi chirongwa chenhoroondo yekubatsira chakavimbisa zvikwereti zvinodarika mamirioni makumi maviri nemana eVA, kubatsira varwi vehondo, nhengo dzemauto dzinoshanda uye mhuri dzavo kutenga kana kugadzirisa imba.
Iyo VA inoseta zviyero zvekukodzera, inoraira mazwi ezvivakwa zvinopihwa uye inovimbisa chikamu chechikwereti, asi hainyatso kupa iyo mari. VA zvikwereti zvemba zvinopihwa nevanokweretesa vakazvimirira, senge mabhangi nemakambani ekukweretesa.
Nhasi, chikwereti cheVA chakakosha kudarika kare. Mumakore achangopfuura, vanokweretesa munyika yose vakasimbisa zvavanoda zvekukweretesa mushure mekuparara kwemusika wedzimba, zvichiita kuti chikwereti cheVA chive nzira yeupenyu kune veterans uye vanoshandira mauto ekutenga dzimba, vazhinji vavo vanoomerwa kana vakatarisana nechikwereti chakasimba uye kubhadhara pasi. zvinodiwa.
Kufanana nezvikwereti zvese zvemba, VA mortgages inogona kunetsa. Isu tinokurudzira kuti ushandise iyi VA Chikwereti Gwaro kuti udzidze nezve maficha eiyi yakasarudzika mari yechikwereti chemba.
Zvikwereti zveVA zvinoshanda sei?
Zvikwereti zveVA zvinobatsira nhengo dzinoshanda dzebasa, veterans, uye vakaroora vasara vave varidzi vemba. Munhu wacho anoendesa Chitupa cheVA cheKukodzera kune Mukweretesi mumamiriro ekushandiswa kwechikwereti. Kunyangwe zvimwe zvekunyora pasi pemukweretesi zvichiri kufanira kuzadzikiswa, kazhinji zviri nyore kuti ukwanise kuwana zvikwereti zveVA pane kukodzera kuwana zvikwereti zvakajairika.
Veterans Administration inopa rubatsiro rwechikwereti chemba uye zvimwe zvirongwa zvine chekuita nedzimba kubatsira varwi vanokwanisa kana nhengo dzemhuri dzakakodzera kutenga, kuvaka, kugadzirisa, kuchengetedza kana kugadzirisa imba kuti igare. VA zvikwereti zvinopa kusvika ku100% mari pane kukosha kwemba. Vanowana chikwereti cheVA havafanirwe kunge vari vatengi venguva yekutanga. Zvakare, vanogona kushandisazve mabhenefiti uye vopa chikwereti kune mumwe munhu anokodzera.
Matemu ezvikwereti zveVA ane rupo rwakanyanya, zvichienzaniswa nedzimwe zvikwereti uye kunyange zvirongwa zvechikwereti zvemubatanidzwa. Pakati pezvakanakira:
- Hapana kubhadhara kunopihwa mvumo kunze kwekunge kuri kudiwa nemukweretesi, kana kana mutengo wekutenga wekugara uri pamusoro pemutengo wakatarwa wepfuma.
- Iko hakuna yakavanzika mortgage inishuwarenzi premium inodiwa.
- Mari yekuvhara ishoma uye inogona kubhadharwa nemutengesi.
- Mukweretesi anogona kusabhadharisa chirango chekubhadhara kare kana mukwereti akabhadhara chikwereti nekukurumidza.
- Rubatsiro runowanikwa kubva kuVA kubatsira vanokwereta kudzivirira kusarongeka.
DZIDZA: Maitiro Ekuwana Zvikwereti zveFHA (Kukodzera, Zvinodiwa uye Maitiro Ekushandisa)
Mhando dzeVA Zvikwereti?
Iyo VA inopa akati wandei marudzi ezvikwereti zvembatya kubatsira veterans nemhuri dzavo. Heino rondedzero yemamwe akakurumbira VA echikwereti zvirongwa.
1. VA Kutenga Kumba
VA zvikwereti zvekutenga imba zvinobatsira veterans kutenga imba nemakwikwi emubereko. Kazhinji izvi zvikwereti zvekutenga hazvidi mubhadharo wepasi kana yakavanzika mortgage inishuwarenzi.
2. Cash-Out Refinance Loans
Cash-out refinance loans inobvumira varidzi vemondgage vari veterans kukwereta kumari yemba kuti vabhadhare chikwereti, kubhadhara chikoro kana kugadzirisa imba. Iyi yerefinancing sarudzo inopa nyowani yembavha yemari hombe pane yagara iripo uye inoshandura equity yemba kuita mari.
3. Interest Rate Reduction Refinance Loans (IRRRLs)
Chikwereti chemubereko chekudzikisa refinance loans (IRRRLs), inozivikanwawo se streamline refinance loans, inobatsira vanokwereta kuwana mubereko wakaderera nekubhadhara zvakare chikwereti cheVA chiripo. Iyi i VA-yechikwereti-ku-VA-yechikwereti inobvumira varidzi vedzimba kuti vatsigire chikwereti chakasimba pamutengo wakaderera wemubereko kana kushandura inogadzirika-chiyero chemondi (ARM) kuita yakagadziriswa-mwero wemondi.
4. Native American Direct Chikwereti
Iyo Native American Direct Loan Chirongwa inobatsira vanokodzera veNative American veterans mari yekutenga, kuvaka kana kuvandudzwa kwedzimba pane federal trust land. Kuderedzwa kwemhindu kunouyawo nezvikwereti izvi.
5. Rubatsiro Rweimba Yakagadziridzwa
Mipiro yedzimba yakagadziridzwa inobatsira veterans vane hurema husingagumi uye hwese-sevhisi-yakabatana kutenga kana kuvaka imba yakagadziridzwa kana kugadzirisa imba iripo nekuda kwehurema hwavo.
Zvinodiwa Zvakakodzera Kuti Uwane Yakanakisa VA Zvikwereti muAlaska
Kuti uve unofanirwa nechikwereti cheVA, iwe kana wawakaroora unofanirwa kusangana nezvinodiwa zvesevhisi zvakatemwa neDhipatimendi reVeterans Affairs (VA), uve neSitifiketi Yekukodzera (COE) uye ugutse chikwereti chemukweretesi uye mari inodiwa.
Kazhinji, iwe unokodzera kana ukawira mune chimwe chezvikamu zvitatu izvi:
- Iwe uri nhengo yebasa rinoshanda kana murwi akasunungurwa zvine rukudzo ane mazuva makumi mapfumbamwe akatevedzana ebasa rinoshanda munguva yehondo kana mazuva 90 ebasa rinoshanda munguva yerunyararo.
- Iwe wakashanda anopfuura makore matanhatu muNational Guard kana Selected Reserve.
- Iwe uri mudzimai wenhengo yebasa yakafira mumutsara webasa.
Kana iwe waizopfuura nekuita kunyorera, waizoda Chitupa Chekukodzera (COE) kuratidza vanokweretesa vemortgage kuti unokodzera kukwereta kuVA. Iwe unogona kunyorera COE kuburikidza neVA webhusaiti, netsamba, kana kuburikidza nemukweretesi wako.
VA Chikwereti Chikwereti uye Mari Inodiwa
Iyo VA haina kuseta hushoma hwechikwereti mamaki anodiwa kuti akwanise kukwereta kuVA, asi vanokweretesa vanowanzoita. Nekuda kweizvi, VA chikwereti chechikwereti chinodiwa chinosiyana nemukweretesi, nevazhinji vanokweretesa vanowanzoda hushoma 660 yechikwereti chechikwereti.
Pamusoro pekiredhiti mamakisi, iyo VA inoda vanokwereta kuti vachengetedze imwe mari inosara pamwedzi wega wega mushure mekunge mari huru yabhadharwa. Iyo yakawandisa inoitirwa kuvharira zvinodikanwa zvemhuri, sechikafu, chekufambisa uye kurapwa, uye inozivikanwa semari inosara.
Nekumanikidza zvakasara zvemuhoro, iyo VA inowedzera mikana yevanokwereta kuti vawane mari yakakwana yekuzadzisa zvisungo zvese zvemari, uye zvakare inova nechokwadi chekuti vanokwereta vane cushion pakaitika dambudziko.
Chii chinonzi VA Chikwereti Mabhenefiti?
Iyo VA Chikwereti Chirongwa ndiyo yakanyanya simba remba chirongwa pamusika kune vakawanda veterans, nhengo dzebasa, uye mhuri dzemauto. Zvikwereti izvi zvinotsigirwa nehurumende zvinouya nemitengo yakakwira inovhura mikova yekuve muridzi wemba kune veterans vanogona kunge vachinetsekana kuwana mari.
Heano mamwe eakakosha maficha uye mabhenefiti echikwereti cheVA:
1. Unogona kutenga imba pasina kubhadhara.
VA zvikwereti ndeimwe yekupedzisira zero-pasi zvikwereti zvemba zviripo nhasi. Muna 2018, inosvika makumi mashanu muzana edzimba dzakatengwa uchishandisa chikwereti cheVA dzakatengwa ne zero yekubhadhara.
2. Hapana muganhu kune mari yaunogona kukwereta paVA chikwereti
Iko hakuna muganho kune iyo mari yaunogona kukwereta paVA chikwereti, asi pane muganho kune huwandu hwemutoro iyo VA inotora. Muna 2019, VA inovimbisa huwandu hunosvika makumi maviri neshanu muzana (kusvika pamadhora zana nemakumi maviri neshanu) emari yechikwereti chemba, inoenderana nechikwereti chakakura chemadhora mazana mana nemakumi masere nemakumi matatu nemakumi matatu nemakumi matatu nemashanu. Chero chipi chinopfuura icho hachizovimbiswa neVA. Kunzwika kune ngozi? Zvinogona kudaro!
3. Hapana Chinodiwa Kubhadhara Private Mortgage Inishuwarenzi
Iwe haufanire kubhadhara Private Mortgage Inishuwarenzi (PMI). Sezvo zvikwereti zvichitsigirwa nehurumende, unogona kutsvoda PMI zvakanaka! PMI inogona kubva pa0.5% kusvika 2.25% yechikwereti chako. Saka pachikwereti chemadhora mazana maviri ezviuru, kana PMI yako yaive 200,000% zvinoreva imwe $1 pakubhadhara kwako kwembandi mwedzi wega wega!
4. Hapana chidimbu chechikwereti chinodiwa
Hapana chinodiwa chidiki chechikwereti. Asi vanokweretesa vanowanzo tsvaga vanokwereta vane kiredhiti mamakisi mazana matanhatu nemakumi maviri kana kupfuura. Kunyangwe tichitenda kuti chibodzwa chako chechikwereti chakakodzera chingave zero-nekuti zvinoreva kuti hauna chikwereti! ziva kuti hapana chibodzwa chechikwereti chinogona kuisa vanokweretesa padanho kana zvasvika pakukupa chikwereti.
5. Rubatsiro rwevakwereta vari kunetseka vakatarisana nekuvharirwa
Iyo VA inopa rubatsiro kune vari kunetseka kukwereta vakatarisana nekugona kuvharwa. Nyanzvi dzechikwereti dzesangano iri dzinogona kutaurirana nevanokweretesa vachimiririra vanokwereta vari kunetseka kubhadhara rendi.
6. Hapana prepayment chirango
Hapana chirango chekubhadhara kare. Izvi zvinoreva kuti hauzobhadhariswa faindi kana ukabhadhara chikwereti chako nekukurumidza.
7. Hazvina kuganhurirwa kune vekutanga-nguva kutenga imba
Iwe haufanirwe kuve wekutanga-mutengi wepamba kuti uwane VA chikwereti. Chero bedzi iwe uchibhadhara nguva imwe neimwe, unogona kushandisa rubatsiro zvakare uye zvakare.
8. Kubhuroka uye kuvharirwa hakuzokanganisa zvachose mikana yako.
Kana iwe wakamhan'arira kubhuroka kana kuti wapfuura nekufungirwa, iwe uchiri kukwanisa kuwana chikwereti cheVA mushure memakore maviri apfuura kubva pazuva rekubhuroka kana kuvharirwa.
VA Zvikwereti Zvikwereti
Vanokwanisa veterans vane yavo yakazara VA chikwereti chechikwereti vanogona kukwereta sekunge mukweretesi ari kuda kuwedzera, zvese pasina mubhadharo wakaderera. Iyo VA miganho yechikwereti inongoshanda kune vatengi vane isingasviki yavo yakazara kodzero, kungave nekuti ivo vane imwe kana yakawanda inoshanda VA chikwereti kana nekuti ivo vakarasikirwa neyakare kuvharirwa.
Ndeapi Zvakanakisa VA Zvikwereti Zvemba muAlaska?
Iwo akanakisa VA zvikwereti zvemba muAlaska anosiyana zvichienderana nezvido zvako, asi mazhinji anopa emakwikwi zvibvumirano kune akasiyana evanogona kukwereta. Iyo yakanakisa inopa yakaderera yegore muzana chiyero, marefu ekubhadhara mazwi, uye zvishoma kune pasina muripo. Uye zvechokwadi, zvaunoda iwe pachako uye chimiro chemari zvinokanganisawo rudzi rwemukweretesi iwe waunoona wakanakira. Kana iwe uchigara muAlaska, USA uye uchida chikwereti cheVA, ava ndevamwe vevakweretesi vakanaka vaunogona kushandisa.
Isu tinovasarudza zvichienderana nehurefu hwezvikwereti, mitengo yazvino, zvibodzwa zvishoma zvechikwereti zvinogamuchirwa nevakweretesi, maitiro ekunyorera, autopay features, uye mukurumbira weindasitiri webasa revatengi.
1. Veterans United: Zvakanakisisa Zvose
Veterans United yakahwina zvakanakisa pachiyero chechikwereti cheVA nekuti mukweretesi uyu anoshanda muzvikwereti zveVA, veterans ndivo vatengi vavo vekutanga, uye vane zvakawanda zvingasarudzwa zvechirongwa chechikwereti.
2. PenFed Credit Union: Yakanakisa 30-Yegore Yakagadziriswa
PenFed Credit Union yakawana nzvimbo yepamusoro yemakore makumi matatu epamusoro-akagadziriswa nekuti chiyero chayo chiripo 30% isina mapoinzi, haitakuri mubhadharo wemukweretesi, inopa makumi maviri nemana nemazana mana ekupinda account online, ine zvidzikiso zvenhengo, uye inoshandira nhengo munzvimbo dzepasirese.
3. Navy Federal Credit Union: Yakanakisa 15-Makore Yakagadziriswa
Navy Federal Credit Union (NFCU) ine yedu yakanakisa 15-gore yakatarwa VA chikwereti chereti chirongwa nekuti chiyero chiripo chingori 2.375%, pakati pepasi pechero mukweretesi.
4. USAA: Best Jumbo Chikwereti
Isu takapa iyo USAA zita reBest for VA Jumbo Loans nekuti inokutendera iwe kukwereta kusvika kumadhora mazana matatu emamiriyoni, haina yakavanzika mortgage inishuwarenzi, uye inobvumidza iwe kubhadhara mari yeVA yekubhadhara mari.
5. LendingTree: Yakanakisa ARM Chikwereti
LendingTree ndiyo yakanakira VA inogadziriswa-chiyero chemondi (ARM) zvikwereti nekuti inokupa iwe dzimwe sarudzo dzekuenzanisa mareti uye mazwi kune akati wandei anokweretesa.
6. Kurudzira Mari: Best Customer Service
Quicken Loans haingori mukweretesi mukurusa munyika, zvakare ndiyo yechipiri pakukura muvambi weVA zvikwereti nehuwandu. Inozivikanwa nebasa rayo revatengi, Quicken inopa nzira iri nyore yekushandisa iyo inogona kutangwa online kuburikidza neRocket Mortgage papuratifomu papuratifomu kana nerunhare.
Unogona kunyorera 15, 25, kana 30 gore yakatarwa chiyero VA chikwereti kuti utenge imba kana kuvandudza iripo VA mortgage. Kurumidza kunogona kubatsira kuwana kuonesa kukodzera, kuwana marekodhi ebasa, uye kuwana COE yako. Quicken inobvumidzawo zvikwereti zveVA neimwe yepamusoro-soro yeDTI inogona kudiwa nemukweretesi (60%).
VA Chikwereti Chekukumbira Kumba Maitiro
Veterans uye nhengo dzebasa havafanire kuziva kana vachikodzera chikwereti cheVA kuyedza uye kutanga maitiro. Iwe uchawana mubato wakanaka pakugona kwako kutora chikwereti cheVA panguva yekutanga nhanho - kubvumidzwa kwechikwereti.
Maitiro echikwereti eVA anowanzo kutora mazuva makumi matatu kusvika makumi mana nemashanu kana wangove pasi pechibvumirano pamusha, kunyangwe mamiriro emutengi ese akasiyana. Kunyorera chikwereti cheVA hakukusungire iwe munzira ipi neipi kune mumwe mukweretesi kana kufambira mberi nemaitiro ekutenga imba.
Heano kutarisa matanho mana ekutanga ekunyorera VA Chikwereti Chemba:
- Zvijaidze neyakafara VA chikwereti chekukodzera zvinodiwa pamusoro
- Bata mukweretesi akatenderwa neVA seVeterans United Home Zvikwereti uye tanga yako VA Chikwereti application
- Tora Chitupa chako Chekukodzera kuburikidza nemukweretesi wako kana iwe pachako
- Pedzisa chikumbiro chako chechikwereti uye upe mapepa ese anodiwa kune wako mukweretesi, anosanganisira maW-2s, madzoro emutero uye rumwe ruzivo rwemari.
DZIDZAWO: Maitiro Ekuwana Zvikwereti zveSBA (Kukodzera, Zvinodiwa uye Maitiro Ekushandisa)
Maitiro ekusarudza Yakanakisa VA Zvikwereti Zvepamba muAlaska?
Kana wagadzirira kutora matanho ekutanga ekushandisa mabhenefiti echikwereti cheimba yeVA, ongorora kukodzera kwako uye kuwana pre-qualification, unozoda rubatsiro rwemukweretesi anotenderwa neVA.
Zviri nyore kuwana mari yembavha paunouya patafura uine chikwereti chikuru uye nzvimbo mubhajeti yako yekubhadhara imba itsva. Chibodzwa chako chechikwereti hachingokanganisa kugona kwako kwekukodzera, asiwo kugona kwako kutora mukana wemitengo yakanakisa yemubereko iripo.
Kana iwe usina chokwadi nezvechinzvimbo chako maererano nezvikwereti zvibodzwa kana chikwereti-kusvika-reshiyo, kuwana pre-wakakodzera pamwe nemukweretesi kuchakubatsira kuona nzira yakanaka yekuvandudza. Vamwe vanokweretesa vangakupa dzidzo yechikwereti, zvichiita kuti uenderere mberi nebasa rekuva muridzi wemba uku uchivandudza chikwereti kana kubhadhara chikwereti.
Rangarira kuita runyoro rwezvaunokoshesa, izvo zvinosanganisira chiyero, muripo, ruzivo rweVA, uye kugutsikana kwevatengi maererano nezvaunoona zvakanyanya kukosha kana uchitenga imba. Paunenge uchienzanisa vanokweretesa, rondedzero yako ichakubatsira iwe kusarudza iyo inokodzera zvaunoda chaizvo.
Tinovimba kuti ruzivo urwu runokubatsira kuti uwane yakanakisa VA zvikwereti zvemba muAlaska.