Na inn zuar na duh maw? Inn cawk na duh maw? Kan in bawmh khawh

Inn cawk kong ah: Q1. Ka credit le job history tha tuk lo, inn le cawk ka duh tuk cang, ka caw lai maw? Credit tha deuh dingin dah ka tuah hmasa lai?

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Bialehnak: Credit score tlawm deuh ngai i rian tuannak tuanbia tha tuk lo zong ah, cu tluk in a zual lo ah cun FHA program in inn cawk khawh asi thiam ko. FHA in cawk tik ah PMI timi Private Mortgage Insurance timi hi a tam deuh aa tel chih. FHA in cawk ah cun Closing man zong tam deuh a dih tawn. Asi nain, mah bntk tal in cawk khawh dingin credit nih a phak ko ah cun cawk lonak in cawk kha a hlawk deuh. A ruang cu Credit score tha than dingin hngah hmasa ah cun thla 3-6 arau khomi a si. Cu tluk tiang hngak ah cun Inn man a rak kai cang hnga i, hngah santlai lai lo. Hmai lei ah na credit that deuh tik ah refinance timi leiba phun thlen than awk a tha ko.

Q2. FHA na timi hi zei dah asi? Inn cawknak caah bank nih phaisa cawimi cu Mortgage ti asi. Cu tin mortgage phun phun in a um i zaran nih hman deuhmi cu FHA le conventional loan hna hi an si. Ralkap pensen caah VA loan tbtk le dang dang zong a um ve. FHA kan timi cu income tlawm deuh, credit zong aa harh deuhmi le downpayment tbtk ah aa harh deuhmi hna le avui khatnak inn a cawmi hna nih inn an cawk khawh ve ding caah tuahmi a si. 1913 Kum ah US president Franklin Roosevelt chan ah rak tuahmi asi. Kum khat ah US ram i inn cawmi hna lak i 23% hrawng nih FHA hi an hman. FHA program ah cun PMI timi Private Mortgage Insurance hi a sang deuh ve. Nain interest rate hi zaran average ret in tuah piak a si thiam thiam ve.

Q3. Conventional na timi hi teh FHA he aa thlau ning? Conventional loan cu credit a tha deuhmi caah tiah a tlangpi in ti ko u sih. Conventional loan ah hin PMI um lo in cawi awk a tha tawn. Credit score, debt to income ratio, tbtk zoh chih in interest (akarh) zong cu aa dang ve. Conventional ah hin PMI a um lomi le, PMI tlawmte kum limit in um mi ttin a um ve. PMI tlauter ding caah hin closing fee ah tam deuh pek in siseh, interest a san deuh in siseh, tuah awk tha ve. Bank policy nih a neih ngai. FHA aa thlei dannak cu, PMI a niam deuh or a um lo tik ah inn man a zat ciocio mi cawk zong ah FHA cun inn man tam deuh an pek i Conventional a si cun $50- 80 hrawng bak atlawm deuh. Nain Conventional loan caah credit score he tianbia he debt to income ratio he a that pah a herh.

Q4. Mortgage ti hi zei deuh dah asi? Bialehnak: Mortgage ti cu inn cawknak leiba tinak a si. Abaa in inn a cawmi poh ‘mortgage’ leiba in cawk asi dih. Hmasa kan chim mi Conventional, FHA tbtk za te hi Mortgage ti cu an si. Mortgage loin in cawmi cu ‘Cash’ in a cawmi an si lai. “Ziah mi cheu mortgage lo in inn kan cawk” an ti mi khi zei deuh dah si? A chim zia a ping le pang in kan chim mi asi. Mortgage ti cu inn cawknak caah cawimi leiba tinak khi asi. Mah caah inn cawmi poh, cash in cawmi dah ti lo Mortgage an ngei dih.

Private Mortgage Insurance timi (PMI) belte hi cheukhat an thlau khawh, cheukhat a tlau lo. Mah le credit cung ah a hngatchanmi asi. Na inn zuar na duh maw? Inn cawk na duh maw? Kan in bawmh khawh.

Q5. State dang in Indiana ah kan rak i thial sau rih lo? Inn kan caw kho lai maw?
Biakehnak: Cawk khawhnak lam tete a um ko. Rak kan contact uh!

Diamond Stars Realty
317-407-2241
Office Address
8007 S Meridian St, Suite 3A
Indianapolis, IN 46217
Ah pehtlai khawh kan si.

Credit: Salai Biak

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