I-HAMP ifakwe ngummeli weJer City City Foreclosed Lawyer ukuguqulwa kwemali mboleko

Ngabe “HAMP” isebenza kanjani ukuguqula imali obanjelwe e-FHA eNew Jersey?

I-HAMP yabaninikhaya abaningi ayisasebenzi.

Kodwa-ke, i-FHA Home Affordable Modform Programme (HAMP) isasebenza.

I-FHA HAMP yenzelwe kuphela ababolekisi abaxhaswe yi-FHA abahlangabezana nezidingo zokufaneleka ze-HAMP. Uma ungenayo imalimboleko ye-FHA, lolu hlelo ngeke lusize. Izimali ze-HARP ne-NJ Hardest hit nazo azisatholakali.

Uhlelo lwe-FHA HAMP luyatholakala kubaninikhaya base-NJ abanobambiso lweFHA kuphela. Uhlelo luvumela ukuguqulwa kwezezimali kwempahla yakho engabanjiswa ukuze kugwenywe ukuguqulwa. Lolu hlelo luhlukile kunokushintshwa kwemalimboleko yendabuko. Noma ngubani obhekane nobunzima bezezimali kufanele acabangele zonke izinketho angazithola. Noma ngabe kungukuguqulwa kwe-HAMP, ukuphinda uxhase imalimboleko, ukubheka ezinye izinketho zezezindlu kubandakanya ukuthengiswa okufushane uma ungaphansi kwamanzi futhi ungasayifuni impahla yakho.

Yini Isimangalo Esiyingxenye ngaphansi kokuguqulwa kwe-FHA-HAMP?

Umqondo oyisisekelo wokushintshwa kwe-FHA-HAMP ukugwema ukubonwa kwangaphambili ngokunciphisa ngokuphelele inkokhelo yakho yokubamba imali yanyanga zonke usebenzisa "isimangalo esithile. ”Isimangalo esithile sihlehlisa ukubuyiswa kwemali kothishanhloko wempahla ebanjiswayo. Uthola imboleko yempahla engaphansi kwenzalo ukunciphisa ukukhokha okuphelele. Le mali ebanjwayo ayikhokhelwa kuze kube yilapho imali mboleko yokuqala ikhokhwe.

Ngaphansi kwalolu khetho lwe-FHA lwesicelo sokufuna, umbolekisi wakho ugunyaziwe ukuthi aqhubekisele phambili imali egameni lakho, ukuze abuyisele imalimboleko yakho yokubuyisa ukuletha isikweletu njengamanje. Umgomo nenqubomgomo ngemuva kokushintshwa kwe-FHA HAMP ukuvumela i-HUD ukuthi yehlise imali ekhokhelwa ababolekisi be-FHA iye ezingeni elithengiswa unomphela. Lokhu kufezwa ngokuletha imalimboleko yakho yamanje ngenkathi uthenga imali mboleko engafika kumaphesenti angama-30 ebhalisiwe engakhokhelwa futhi unqwabelanise la manani kwisimangalo esithile manje sonyaka nje, kepha ngalo lonke ubude bempahla ekhona njengamanje.

Uma une-Fannie Mae, i-Ginnie Mae neFreddie Mac ebolekayo ekhaya lakho kungenzeka futhi ube nemalimboleko ye-FHA. Ungase ukwazi ukusebenzisa isimangalo esinqunyelwe ukwehlisa izinkokhelo zakho. Sebenzisa yonke imithombo yakho ukwehlisa ukukhokha kwempahla yakho. Noma ungahlangabezani nalezi zindlela ezingenhla, sisengasebenza nawe ukuthola ukuguqulwa kwemalimboleko ezimeni eziningi. Kusukela ukuwa kwezimakethe zezindlu kwe-2008, kwahlelwa amasu ku-2009 ukusiza abaninikhaya. Izinhlelo eziningi azange zivuselelwe,

Ngaphambi kokunikezela, thintana nommeli ukuze usebenzise izinketho zakho. Ukwenza isinqumo esithinta inani lemali okufanele uyikhokhele ebhange lakho kufanele okungenani ubize mahhala kummeli ukuze ulule izinketho zakho. Intela, ukukhokhwa kwamakhadi wesikweletu, ezinye iimalimboleko zasebhange, zonke kudingeka zibhekwe lapho ubuyekeza izinsiza zakho zezezimali. Lokhu kuyiqiniso ikakhulukazi lapho uhlela indawo yakho. Uma ucabanga a phindisela imali mboleko, kunezinye izindaba okufanele uxoxe ngazo nommeli.

Ukuba nommeli abukeze isimo sakho mahhala bese edlula izinketho okungenzeka awukaze uzicabange kungahle kufane nokusebenza kuwe, kepha uma uthola isisombululo sakho izinkinga zakho mahhala, inani lesibusiso onaso lingazizwa sengathi likhuphuke kathathu .

Kwakuyini i-HAMP yendabuko? (Lokhu kuphelelwe yisikhathi.)

Uma uhlangabezana nalezi zindlela ezingenhla, ukufaka isicelo sokulungiswa kwemalimboleko ngaphansi kwe-FHA-HAMP yinto esingakusiza ngayo. Noma ungaqeqeshiwe ngaphansi kwe-HAMP, singasiza ekuphepheni ukuguqulwa kwemalimboleko noma sinikeze ukuzivikela okuvela eNew Jersey noma ukuzivikela ekumbambeni eNew York. Iningi labasebenza ngemalimboleko selisungule izinhlelo zokuguqulwa kwezindlu ezihlala zifaka izinto zohlelo lwe-HAMP uqobo noma ngabe ungafaneleki ngaphansi kwe-HAMP.

Ngaphansi kwe-HAMP yendabuko, bekukhona inqubo ebizwa ngokuthi yi- "Standard Modization Waterfall," eyayiyisethi yezinyathelo ukuthi izisebenzi zisebenze kanjani kuze kube lapho inkokhelo yakho yokwebolekwa kwemali yenyanga ye-Target yehliselwa ku-31% yalokho okwenziwa ngumndeni wakho. Lokhu kufaka yonke imali evela kuyo yonke imithombo, ngakho-ke uma kunesidingo sendlela yendodana yakho futhi intela evela esitezi sokuqala ithathwa njengeholo.

Izinyathelo ziqukethe i-capitalization, i-Rate Reduction, Extension Extension kanye nokuxolelwa okuyi-Principal.

I-capitalisation yilapho i-servitor kufanele ithathe yonke inzalo eqokiwe, imali ephumayo ephuma ephaketheni kubantu besithathu, izinkokhelo zomshuwalense wezindlu, kanye nanoma yikuphi ukuqhubekela phambili kwe-escrow okuzokhokhelwa abanye abantu ngesikhathi sesivivinyo se-HAMP futhi kubenze babe yingxenye yemalimboleko . Lokhu kukhuphula inani lemalimboleko, kepha kusetshenziselwa ezinye izibalo.

Inkokhelo yemali mboleko yanyanga zonke enaleli nani ibalwa ngeleveli yenzalo yamanje, nobude besikhathi. Uma iphakeme kuneNkokhelo Yentengo Ebanjisiwe Yenyanga Ebeyi-31% yemali engenayo yasekhaya inyathelo elilandelayo lithathwa ..

Izinga lenzalo lemalimboleko lehliswa yi-1 / 8 iphesenti noma i-0.125% bese liphinda libuye lihlanganyele isikhathi ngasinye kuze kube yilapho izinga lifinyelela i-2% noma kuze kuthi lapho kufinyelelwa Inkokhelo Yonyaka Wokubolekwa Kwempahla.

Uma imalimboleko isadinga ukuguqulwa isikhathi sokubolekwa kwemali sinwetshwa sifinyelela ezinyangeni ezi-480. Abanye abatshalizimali kungenzeka bangavumeli ukwandiswa kwemalimboleko ngezizathu ezahlukahlukene, kepha-ke lokhu yinto esizofanela ukukuqinisekisa uma kwenzeka senqatshwa esivumelwaneni sokuguqulwa kwemalimboleko.

Uma ngemuva kokuba imalimboleko inwetshiwe, futhi Inkokhelo Yonyaka Wokubolekwa Kwempahla engasafinyeleleki ayikafinyelelwa, igxathu elilandelayo yi-Principal Forbearance. Lokhu kwenza ingxenye yemali mboleko engathinti nzalo futhi engakhokhi futhi iholele ekukhokhweni kwebhaluni ekugcineni kwempahla ebanjiswayo. Ngakho-ke, izinkokhelo bezizokhokhwa iminyaka ye-40 futhi ekugcineni inani elithile lisazobakhona kubahlinzeki.

Isisebenzi ngeke sivumele lokhu ukuthi kwenzeke uma inani lamanje lemali mboleko lingalungile.

Kukhona ezinye izinto ezizodinga nokuthi zibhekwe. Izisebenzi zinganikeza ababolekayo ngemibandela yokuguqulwa evumayo ngokwedlula ye-HAMP. Ukuphambuka ku-Waterfall Ejwayelekile kufanele kuphawulwe kufayili yempahla ebanjiswayo. Lokhu kufaka phakathi isilinganiso senzalo esikhuphukayo ngemuva kweminyaka emihlanu noma sincishiswe sibe ngaphansi kwamaphesenti we-2.0 noma uma ukubekezelelwa okungaphezulu kufakwa esikhundleni sokunwetshwa kwethemu.

Kukhona futhi i-Alternative Modform Waterfall lapho ngemuva kokufakwa kwemali imali enkulu uthishanhloko ngaphambi kokuya esigabeni sokunciphisa inani lenzalo. Lokhu kuhlobene nemaki-to-emakethe yemalimboleko-kuya-kumanani (i-MindowsTV). I-MindowsTV ifanisa inani lemakethe yendlu nenani lemali mboleko. Ngakho-ke ikhaya elingaphansi kwamanzi lapho imalimboleko ingaphezu kwendlu kufanelekile ineMitterTV enkulu kune-100%. Ngakho-ke uma indlu ibiza i-100,000, futhi inemalimboleko ku- $ 150,000 i-MindowsTV yi-150%. Kulesi sinyathelo imalimboleko izoncishiswa kuze kube yilapho i-MindowsTV eyi-115% noma i-Target Monthly Revenuementment ifinyelelwa.

Ukuthola incazelo ejulile kanye nezibonakaliso zokuwa kwamanzi okusebenzayo yiya ku:https://www.hmpadmin.com/portal/learningcenter/docs/presentations/mhaservicerwebinar02292012.pdf

Inqubo yokufaka isicelo sokushintshwa kwempahla ebanjiswayo ingakhungathekisa futhi idide. Uma ubhekene nokusobala futhi ufuna usizo, singabheka isimo sakho, bese sakha isu elicaciswe kuwe futhi lisuselwa esimweni sakho. Ngeke sikuqinisekise ukuthi uzogcina ikhaya lakho, noma leso isiqiniseko sokuthi sizokuthola ukugcina ikhaya lakho ekugcineni kungumqondo omuhle kakhulu kuwe.

Uma ufuna ukwenza konke ongakukhetha kufanele ukhulume no Ummeli Wokucekelwa Kwentela eNew York ukudlulela kukho konke ongakhetha kukho. Ummeli uzohlonipha ubumfihlo bakho, aphendule yonke imibuzo yakho, abukeze zonke izinketho zakho eziphathelene nempahla yakho ebanjiswayo, axoxe ngezinketho ezihlobene nobuphi ubunzima obhekene nabo ngaphandle kokugwetshwa. Xhumana nathi namuhla ukuze udlule izinketho zakho ezihlobene nemalimboleko yakho yosizo lwangempela. Lokhu akukubizi mali. Woza komunye wethu Amahhovisi eNew Jersey, noma usishayele ku- (844) 533-3367.

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

Kuvuselelwe: Janawari 8, 2019

Lolu hlelo alusasebenzi. Uma usaguqulwa ngaphansi kwalolu hlelo, kungadingeka ukuthi ulwele ukugcina obolekayo wakho ukuhlonipha lolu hlelo.Ukuhamba phambili kukhethe ukungavuseleli lolu hlelo.

I-11 esebenzayo: 59pm ku-12 / 31 / 2018 the I-NJ Hardest hit Program / Uhlelo lwe-NJ HomeSaver alusemukeli izicelo zokuthola usizo. UMbuso waseNew Jersey waphelelwa yimali esetshenziselwa ukuxhaswa ngumbuso.

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