I-HAMP efakwe ngummeli weJercl City Foreclosure Lawyer ukuze ilungiswe kwimali mboleko

Isebenza kanjani i- "HAMP" ukulungisa i-FHA e-New Jersey?

I-HAMP yabaninimzi abaninzi ayisasebenzi.

Nangona kunjalo, iNkqubo ye-FHA Home Afableable Modified Programme (HAMP) isasebenza.

I-FHA HAMP yenzelwe kuphela ababolekisi abane-inshurensi ye-FHA abahlangabezana neemfuno zokufaneleka kwe-HAMP. Ukuba awunayo mboleko ye-FHA, le nkqubo ayizukunceda. I-HARP kunye ne-NJ Hardest hit fund nazo azisekho.

Inkqubo ye-FHA HAMP ifumaneka kubanini bamakhaya base-NJ abanobambiso lwe-FHA kuphela. Inkqubo ivumela uguquko lwemali mboleko yakho ukuze ugweme ukuchithwa. Le nkqubo yahlukile kunokutshintsha kwemboleko yemveli. Nabani na oye wahlangabezana nobunzima bezezimali kufuneka aqwalasele zonke iinketho ezinokufumaneka kubo. Nokuba yinto yokuhlengahlengiswa kwe-HAMP, ukuphinda ubuyekeze imali mboleko, ujonge ezinye iinketho zepropathi kunye nokuthengisa okufutshane ukuba ungaphantsi kwamanzi kwaye awusayifuni ipropathi yakho.

Yintoni Ibango leNxalenye phantsi kohlengahlengiso lwe-FHA-HAMP?

Umongo osisiseko wohlengahlengiso lwe-FHA-HAMP kukuphepha ukubonwa kwangaphambili ngokunciphisa ngokusisigxina intlawulo yakho yokubambisa ngokusetyenziswa kuka "ibango eliyinxalenye. ”Ibango elithile lihlehlisa ukubuyiswa kwemali yenqanawa ebambeleyo. Ufumana imali-mboleko engaphantsi kwenzala yokunciphisa intlawulo iyonke. Le mboleko ayibikho ngenxa yokuhlawulwa kwemali yokuqala.

Phantsi kolu khetho lwe-FHA yenxalenye yebango, umbolekisi wakho ugunyazisiwe ukuba ahambise imali egameni lakho, ukuze abuyisele imali-mboleko yakho yobugwenxa ezisa ityala ngoku. Umgaqo-nkqubo kunye nomthetho ongemva kokutshintshwa kwe-FHA HAMP kukuvumela i-HUD ukuzisa iintlawulo zobambiso zababolekisi be-FHA bezise kwinqanaba elifanelekileyo ngokusisigxina. Oku kwenziwa ngokuzisa imali mboleko yakho yangoku ngelixa uthenga umboleko mali ukuya kuthi ga kwi-30 yepesenti yebhalansi engabhatalwanga kunye nokudlulisela ezi zixa kwisimangalo esenzelwe unyaka ngoku, kodwa kubude bonke bendlu yangoku.

Ukuba une-Fannie Mae, Ginnie Mae kunye neFreddie Mac mboleko ekhayeni lakho unokufumana kwakhona imali-mboleko yeFHA. Unokwazi ukusebenzisa ibango eliyinxalenye yokuhlawula iintlawulo zakho. Sebenzisa yonke imithombo yakho ukunciphisa intlawulo yakho yobambiso. Nokuba awufikeleli kule migaqo ingasentla, sisenokusebenza nawe ukufumana uguquko kwimali mboleko kwiimeko ezininzi. Ukusukela ukuthengiswa kwezindlu kwi-2008, izicwangciso zabekwa phambili kwi2009 ukunceda abaninimzi. Uninzi lweenkqubo azivuswanga,

Ngaphambi kokuba unikezele, nxibelelana negqwetha ukuze likhethe ukhetho lwakho. Ukwenza isigqibo esichaphazela ubungakanani bemali ekufuneka uyihlawule ebhankini, ubuncinci, kungenziwa umnxeba simahla kwigqwetha ukuze likhulule ukhetho lwakho. Irhafu, iintlawulo zamakhadi okuthenga ngetyala, ezinye iimali mboleko zebhanki, zonke kufuneka ziqwalaselwe xa uphonononga imithombo yakho yemali. Oku kuyinyani ngakumbi xa ucwangcisa impahla yakho. Ukuba ucinga a ukubuyisa imali mboleko, neminye imibandela ofanele uyixoxe negqwetha.

Ukufumana igqwetha ukujonga imeko yakho simahla kwaye uhambe ngaphezu kweendlela onokuthi khange ucinge ngazo kunokubonakala ngathi kukusebenza kuwe, kodwa ukuba ufumanisa isisombululo esitsha iingxaki zakho, inani leentsikelelo onazo linokuziva ngathi lonyuke amatyeli amathathu .

Yayiyintoni i-HAMP yesiko? (Kuphelelwe ixesha.)

Ukuba uhlangabezana nale migaqo ingentla, ukufaka isicelo sokulungiswa kwemali mboleko phantsi kwe-FHA-HAMP yinto esinokukunceda ngayo. Nokuba awulungelanga phantsi kwe-HAMP, sinokukunceda ukukhuseleka ukuguqulwa kwemalimboleko okanye ukubonelela ngokhuseleko kwi-New Jersey okanye ukuzikhusela kwisimo esibonakalayo eNew York. Uninzi lweenkampani ezibolekisana ngemali mboleko zenze iinkqubo zokuguqula endlwini ezihlala zidibanisa izinto zenkqubo ye-HAMP ngokwayo nokuba awukakulungeli oko phantsi kwe-HAMP.

Ngaphantsi kwe-HAMP yesiqhelo, bekukho inkqubo ebizwa ngokuba yi- "ukuHanjiswa kweMigangatho yesiqhelo," eyayilinyathelo lamanyathelo abasebenzi ekufuneka bewasebenzisile de iNtlawulo yeMali mboleko yeNyanga yakho yeRhafu yancitshiswa yaya kwi-31% yoko kwenziwa likhaya lakho. Oku kubandakanya yonke ingeniso evela kuyo yonke imithombo, ke ukuba kukho imfuneko yendlela yephepha lonyana wakho kunye nerenti evela kumgangatho wokuqala ithathwa njengengeniso.

Amanyathelo aqulethe i-capitalisation, iNzala yokuNcitshiswa kweXabiso, ukuKhutshwa kweXesha kunye noXolelaniso oluyintloko.

Ubungxowankulu kuxa umncedisi kufuneka athabathe yonke inzala eqokelelweyo, ukuqhubela imali epokothweni ukuya kwisithathu, ukuhlawulelwa i-inshurensi yemali mboleko kunye nayo nayiphi na inyathelo elifunekayo eliya kuhlawulelwa iqela lesithathu ngexesha lolingo lwe-HAMP kwaye libenze babe yinxalenye yemali mboleko. . Oku kunyusa inani lemali mboleko, kodwa isetyenziselwa ukubala lonke.

Intlawulo yeNtengo yeNyanga nenyanga inexabiso libalwa ngexabiso lenzala, kunye nobude. Ukuba ingaphezulu kuneNtlawulo yeNtengo yeNtengo yeThagethi yeNyanga eyayiyi31% yengeniso yekhaya inyathelo elilandelayo lithathwa ..

Izinga lenzala mboleko lehlisiwe yi-1 / 8 ipesenti okanye i-0.125% kwaye iphinda iphinde ihlawulwe ixesha ngalinye de izinga lifike kwi-2% okanye kude kube kufikelelwe kwiNtlawulo yeNtengo yokuBoleka kweMali nganye.

Ukuba imali mboleko isadinga ukuhlengahlengiswa ixesha lemali mboleko yandiswa ukuya kuthi ga kwiinyanga ezili-480. Abanye abatyali mali abanakuvumela ukwandiswa kwemali mboleko ngenxa yezizathu ezahlukeneyo, nangona kunjalo le yinto esiya kuyingqinisisa ukuba sikhatyiwe kwisivumelwano sokutshintsha kwemali mboleko.

Ukuba emva kokuba imali mboleko igqithisiwe, kwaye intlawulo yokuBoleka inyanga nenyanga yeThagethi ayikafikelelwa, inyathelo elilandelayo kukuBekezelelwa kweNqununu. Oku kwenza ukuba inxenye yemali mboleko ingabizi nzala kunye nokungafumani rhafu kwaye kubangela intlawulo yebhafu iphela esiphelweni sobambiso. Ke, iintlawulo ziya kuhlawulelwa iminyaka ye-40 kwaye ekugqibeleni isixa-mali siseza kuba ngenxa ye-servitor.

Umnikezeli weenkonzo akufuneki ayivumele le nto ukuba yenzeke ukuba ixabiso lilonke lemali mboleko alungile.

Kukho ezinye izinto ezinokufuna ukuqwalaselwa. Abasebenzi banokubonelela ababolekisi ngemibandela efanelekileyo yokuguqula kunokuba ifunwa yiHAMP. Ukuphambuka kuMgangatho oManzi oMncinci kufuneka uqaphele kwifayile yokubambisa. Oku kubandakanya inqanaba lenzala alikhuphuki emva kweminyaka emihlanu okanye ancitshiswe abe ngaphantsi kwepesenti ye-2.0 okanye ukubangaba into eyinyanzelekileyo iyabambelwa ukuze inyuswe.

Kukwakhona noMjikelo woNxweme woLungiso loMntu apho kuthi emva kokungxowanelwa kwenqanawa inqanaba lincitshiswe ngaphambi kokuya kwinqanaba lokunciphisa inqanaba lenzala. Oku kunxulumene nemboleko-ukuya-kwintengiso yemali-ukuya kwixabiso (i-MindowsTV). I-MindowsTV ithelekisa ukuba yintoni ixabiso lentengiso lendlu kwisixa semali mboleko. Ke ikhaya elingaphantsi kwamanzi apho imali mboleko ingaphezulu kwendlu ifanelekile iyakuba ne-MindowsTV enkulu kune-100%. Ke ukuba indlu leyo ixabisa i-100,000, kwaye inemali-mboleko kwi- $ 150,000 le MindowsTV yi-150%. Kwesi sigaba imboleko-mali iya kuncitshiswa de kube sekufikelelwe kwi-MindowsTV kwi-115% okanye kwiNtlawulo yeNgxelo yeMali eHlawulwe ngenyanga.

Ukufumana inkcazo ebanzi kunye nemizekelo yokuqukuqela kwamanzi intshayelelo yiya ku:https://www.hmpadmin.com/portal/learningcenter/docs/presentations/mhaservicerwebinar02292012.pdf

Inkqubo yokufaka isicelo sokulungiswa kobambiso inokukhathaza kwaye iyadida. Ukuba ujongene nokubonakala kwaye ufuna uncedo, singayijonga imeko yakho, size nesicwangciso esiliqhinga elikuwe ngqo kwaye lixhomekeke kwimeko yakho. Asinakuqinisekisa ukuba uya kuligcina ikhaya lakho, okanye nokuba uqinisekile ukuba siyakufumana ukugcina ikhaya lakho lixesha lelona lungileyo kuwe.

Ukuba ufuna ukuya kuzo zonke iinketho zakho kuya kufuneka uthethe no Igqwetha laseNew Jersey lokuBhencwa ukuya kuzo zonke iinketho zakho. Igqwetha liya kuhlonela ubumfihlo bakho, liphendule kuyo yonke imibuzo yakho, liphonononge zonke iinketho zakho ezinxulumene nobambiso lwakho, xoxa ngeendlela ezinxulumene nobunzima ojamelana nabo ngaphandle kokugweba. Nxibelelana nathi namhlanje ukuya ngaphezulu kwezikhetho zakho ezinxulumene nemali mboleko yakho ngoncedo lwenene. Oku akuchithi mali. Yiza komnye wethu Iiofisi ezintsha zaseJersey, okanye usitsalele kwi (844) 533-3367.

I-HARP iphelile i-12 / 31 / 2018.

Ukuhlaziywa: NgoJanuwari 8, 2019

Le nkqubo ayisasebenzi. Ukuba usatshintshwa phantsi kwale nkqubo, kungafuneka ulwe ukuze ugcine umbolekisi wakho ukuhlonipha le nkqubo.I-goverment ikhethe ukungayivuseleli le nkqubo.

I-11 esebenzayo: 59pm kwi-12 / 31 / 2018 le INkqubo ye-NJ Hard hit Inkqubo ye-NJ HomeSaver ayisamkeli izicelo zoncedo. Ilizwe laseNew Jersey liphelelwe yinkxaso-mali evela kurhulumente.

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