رایج ترین وام مسکن توضیح داده شده است

Unless you?re planning to pay all cash for a home, you?re going to need a mortgage. If you?re a first-time homebuyer, then you may not realize there are actually many types of mortgages out there. Shopping around for the best mortgage for your unique situation is always highly advised. But how do you even know where to begin? Let us break down the most common types of mortgages so you understand your options before you begin.

وام های FHA

وام های FHA برای خریداران خانه برای اولین بار عالی است. آنها توسط اداره مسکن فدرال پشتیبانی می شوند. وام های FHA اغلب نیاز به نمرات اعتباری پایین و پیش پرداخت کمتری دارند. در حالی که یک وام معمولی ممکن است نیاز به 20 درصد پیش پرداخت داشته باشد ، وام FHA اغلب فقط به 3.5 درصد پیش پرداخت نیاز دارد. آنها همچنین دارای نرخ سود رقابتی هستند.

وام های VA

Are you a veteran, service member, or military spouse? Then you may qualify for a VA loan. These mortgages are guaranteed by the U.S. Department of Veterans Affairs. These loans offer a no-money-down option which means you don?t need to have money saved for a down payment. These loans are not actually issued by the government. Instead, you can search for private lenders who offer VA loans. به وب سایت VA مراجعه کنید برای اطلاع از صلاحیت شما

وام USDA

There is a third type of mortgage that is also backed by the government — a USDA loan. These are guaranteed by the U.S. Department of Agriculture. While this type of loan is often used for agricultural real estate, it is open to those in rural and suburban communities as well. Like a VA loan, these loans can offer full financing for a home, meaning you won?t need to come up with a down payment. They have competitive rates and low fees, making them another great option to look into. Visit the وب سایت USDA برای اطلاع از صلاحیت شما

وام های متعارف

سرانجام ، الف وام مسکن معمولی is the kind of loan that you?d apply for at your bank. Unlike the loans listed above, these are not backed by the federal government. Conventional loans can be ?conforming? or ?non-conforming? mortgages. If you opt for a conforming mortgage, then the lender will follow the rules set by Fannie Mae and Freddie Mac. While they aren?t backed by the government, they do follow the guidelines set by the government. Non-conforming loans, on the other hand, don?t follow those rules. If you don?t meet the guidelines set for by Fannie Mae and Freddie Mac, then you may qualify for a non-conforming loan. They are often good choices for those who need large loans, but you may also pay a higher interest rate.

تماس با عامل شرکت امروز

You have many choices when it comes to mortgages. That?s why it can be so helpful to have an expert on your side. If you?re getting ready to buy a home, then contact the experts at نماینده شرکت در 949-791-8160 یا [email protected]. We?d love to help you open your world to new possibilities!

در حال حرکت؟ قدر خانه خود را می دانید؟