Рефинансирование Ипотеки В Втб Отзывы... Как взять ипотечный кредит в США. mortgage in the USA. Miami Florida. Недвижимость в Америке

Рубрика полезных советов о жизни в США. В этом видео я расскажу о том, как взять ипотечный кредит в сша, mortgage in the USA, это поверьте гораздо выгоднее и проще, чем в России, также существует много программ, помогающие молодым семьям, берущим ипотеку первый раз, такие программы платят за вас первоначальный взнос, также есть и свои нюансы, главный из которых вы должны быть резидентом США. Более подробно расскажу в видео. Полезные советы и личный опыт. Если вы уже взяли mortgage в сша, но ваши доходы изменились из за COVID-19, возможно данная информация будет вам полезна:

COVID-19 Mortgage Relief

If you’ve been affected financially by the COVID-19 pandemic and you own a single-family home with a federally backed or FHA-insured mortgage, you can request mortgage forbearance, a pause in making mortgage payments.

Learn the steps to take and questions to ask if you need mortgage forbearance from your lender.

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Deadlines for Federally Backed Mortgage Foreclosures
What Your Loan Servicer Must Do If You Request Forbearance
Find Your Loan Servicer
Mortgage Refinancing

Refinancing your mortgage allows you to pay off your existing mortgage and take out a new mortgage on new terms. You may want to refinance your mortgage to take advantage of lower interest rates, to change your type of mortgage, or for other reasons.

These resources will help you learn more about refinancing your mortgage:

A Consumer's Guide to Mortgage Refinancings is your first place to look for an introduction to mortgage refinancing, including useful worksheets, a glossary of terms used in the industry, and more to help you decide if mortgage refinancing is right for you.
What type of mortgage should you choose? Get information about mortgage types and the settlement process in Shopping for Your Home Loan: Settlement Cost Booklet (PDF, Download Adobe Reader).
Veterans may be eligible for refinancing their VA mortgage using an Interest Rate Reduction Refinancing Loan (IRRRL).
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Making Home Affordable Program
Mortgage Company Transferring Your Loan to Another Company
Reverse Mortgages

A reverse mortgage is a home loan that you do not have to pay back for as long as you live in your home. You only repay the loan when you die, sell your home, or permanently move away. Homeowners who are at least 62 years old are eligible. These mortgages allow older homeowners to convert part of the equity in their homes into cash without having to sell their homes or take on additional monthly bills.

Read more information about reverse mortgages.

Types of Reverse Mortgages
Types of reverse mortgages include:

Federally insured Reverse Mortgages - Known as Home Equity Conversion Mortgages (HECM)
Proprietary Reverse Mortgages
Single Purpose Reverse Mortgages
Be sure to watch for aggressive lending practices, advertisements that refer to the loan as "free money," or those that fail to disclose fees or terms of the loan. To be a savvy consumer and help protect yourself, remember:

Do not respond to unsolicited advertisements
Be suspicious of anyone claiming that you can own a home with no down payment
Seek out your own reverse mortgage counselor
Never sign anything you do not fully understand
Make sure the loan is federally insured
Reporting Fraud or Abuse
If you suspect fraud or abuse, let the counselor, lender, or loan servicer know. You may also file a complaint:

Federal Trade Commission (FTC)
State Attorney General's office
State banking authority
If you have questions, contact your local Homeownership Center for advice.

FHA Loans and HUD Homes

If you’re a homebuyer, the Department of Housing and Urban Development (HUD) has two programs that may help make the process more affordable.