Imalimboleko Yesikhungo: Izixazululo Ezihlanganisiwe Zabathengi Basekhaya Banamuhla

Kubathengi baseMelika baseMelika, ukuthola imali ebolekiwe elingana nesabelomali kanye nesifiso sokuvelela kubalulekile. Faka iImalimboleko yomenzelikusuka ku-AAA Capitalutshalomali, Inc., umkhiqizo oguquguqukayo ohlanganiswe nguUkuvumelanaizikweletufuthihigh balance loans. Yakhelwe phezu kwesisekelo esithenjwayo sika-Fannie Mae noFreddie Mac, lolu hlobo lwemalimboleko lunikeza izixazululo eziklanyelwe izimakethe zezakhiwo ezihlukahlukene, kusukela ezindlini zomndeni owodwa ezinesizotha kuya kuma-condo aphezulu e-Los Angeles County. Ngobuchwepheshe be-AAA LENDINGS, iImalimboleko yomenzeliivela njengento enamandla yokufinyeleleka kanye nokulinganisa.

Aimalimboleko ehambisanayongaphakathi kweImalimboleko yomenzeliuhlaka luphelele kubathengi abafuna ukuxhaswa ngezimali okujwayelekile. Ibekwe emikhawulweni ebekwe yi-Federal Housing Finance Agency—$766,550 ezifundeni eziningi zase-US ngo-2025, ngokwesibuyekezo se-FHFA—lezi zimali mboleko zihlangabezana nemihlahlandlela eqinile, eqinisekisa imigomo yokuncintisana nokutholakala okubanzi. I-AAA LENDINGS ithuthukisa lokhu ngezinhlelo ezifana ne-HomeReady, esekela abathengi ngezinkokhelo eziphansi ezifika ku-3%. Ngekhaya elingu-$500,000, lokho kungu-$15,000 kuphela ngaphambili—inzuzo kwabaqalayo. Uma ibhangqwe ne-HOP80 DPA ($100,000 max), izindleko eziphuma ephaketheni zincipha ngokuqhubekayo, okwenza ubunikazi bezindlu bufinyeleleke kulabo abangaphakathi kwama-80% emali engenayo yesifunda.

Kubathengi ezindaweni ezibiza kakhulu, ihigh balance loaninketho iphakamisa iImalimboleko yomenzeli's isikhalazo. E-Los Angeles County, lapho izintengo zasekhaya ezimaphakathi zivame ukudlula u-$800,000 (ngedatha ye-Zillow ka-2025), imikhawulo evumelanayo iyawa. Imali mboleko yebhalansi ephezulu ivala leli gebe, inikela ngezimali ezifika ku-$1,149,825 ezifundeni ezinenani elikhulu kuyilapho igcina ukusekelwa kuka-Fannie Mae noFreddie Mac. Lokhu kukhula kufanelana nabathengi abaqondise indlu yedolobha engu-$850,000 ngaphansi kwe-HOP120, eno-20% DPA ($85,000 max) kanye nenzalo yesibili engu-0%. Umphumela? I-mortgage elingana namaphupho akho, hhayi izithiyo zakho.

IImalimboleko yomenzeliAmandla 'asekuguquguqukeni kwayo kuzo zonke izinhlobo zezakhiwo—amakhaya omndeni owodwa, amacondo, nezindlu zasemadolobheni—konke kufaneleke ngaphansi kwe-AAA LENDIS' Matrix. Thatha uchwepheshe osemusha othenga i-condo engu-$700,000 edolobheni elibamba iqhaza le-HOP. Ngehigh balance loankanye nosizo lwe-HOP80, isikweletu sabo sokuqala sehla safinyelela ku-$600,000, sikhokhelwe ngokugcwele ngenani elinqunyiwe. Ngaleso sikhathi, umndeni ukhetha ikhaya elingu-$600,000 eline-imalimboleko ehambisanayoijabulela izinzuzo ezifanayo, ivala ngokushesha ngemva kwesemina yamahora ayisishiyagalombili evunyelwe i-HUD. Lezi zibonelo zibonisa ukuthi kanjaniImalimboleko Yesikhungohlinzeka ngezidingo ezahlukahlukene ngokunemba.

Empeleni, i-Imalimboleko yomenzelikusuka ku-AAA Capital Investment, Inc. ichaza kabusha ubuhle bezindlu. Kungakhathaliseki ukuthi ngokusebenzisa aimalimboleko ehambisanayoukuze ukwazi ukuzikhokhela noma ahigh balance loanngesifiso sokuvelela, lo mkhiqizo uletha uxhaso oluhambisanayo olunikeza abathengi amandla. Emakethe enamandla njengango-2025, ukukhetha okuhlakaniphile kokwakha ikusasa lakho, ikhaya elilodwa ngesikhathi.