ገዛ ኣብ ንገዝኣሉ ግዜ ምስ ኣለቃሓይ ክንገብሮም ዘለና ኣገደስቲ ዛዕባታት || Questions to Ask When Choosing a Lender

ኣለቃሒ ክትመርጽ ከለኻ ክትሓቶም ዘለካ ሕቶታት
ናይ ልቓሕ ውዕላት፣ ሬትን ዓይነታት ለቓሕን ካብ ሓደ ኣለቃሒ ናብ ካልእ ኣለቃሒ ኣዝዩ ክፈላለ ይኽእል።
ውዕላት ልቓሕ፡ ሬትን ዓይነታት ለቓሕን ካብ ሓደ ኣለቃሒ ናብ ካልእ ኣለቃሒ ኣዝዩ ክፈላለ ይኽእል። ኣብቲ ኣለቃሒ ክትመርጽ መርመራ ክትገብር ከለኻ፡ እዚኦም ንዓኻ ዝበለጸ ኣለቃሕን ዓይነት ልቓሕን ክትውስን ክሕግዙኻ ዝኽእሉ ሕቶታት እዮም።
ሓፈሻዊ ሕቶታት፤
እንታይ እዮም እቶም ዝበዝሑ ተፈተውቲ ሞርጌጅ እተቕርቡ፧ ስለምንታይ እዮም ክሳብ ክንድዚ ተፈታዊ ዝኾኑ ፧
ንኹነታተይ ኣየኖት ዓይነታት ሞርጌጅ ምመኸርኩምኒ ፧
ሮትኩም፡ ውዕላትኩም፡ ክፍሊትኩምን ናይ ምዕጻው ወጻኢታትኩምን ዋጋዕዳጋ ምግባር ዝከኣል ድዩ ፧
ንምርመራታት፡ ንክፍሊ ዋንነት ገዛ፡ ወይ ንኣውቶማቲክ ክፍሊት ምድላው ዲስካውንት ትህቡ ዶ፧
ናይ ብሕቲ ሞርጌጅ መድሕን ክገዝእ ክግደድ ድየ ፧ ከምኡ እንተ ዀይኑ፡ ክንደይ ክኸፍል እዩ፣ ክሳብ መዓስከ እዩ ዚድለ፧
እንታይ ዓይነት ናይ ውሕስነት ረቛሒታት ኣለኩም ፧
እንታይ ዓይነት ናይ ሕሳብ ምኽፋል ኣማራጺታት ትህቡ ፧
ንልቓሕ ዝምልከት ሕቶታት፤
ኣብ ክፍሊት ሞርጌጅ እንታይ ዘጠቃለለ እዩ (መድሕን ወነንቲ ገዛ፡ ግብሪ ንብረት ወዘተ) ፧
ነዚ ልቓሕ መን ሰርቪስ ክገብሮ እዩ ፧(እቲ ልቓሕ ሰርቪስ ዝገብሮ ኣብ ነፍሲ ወከፍ ወርሒ እትኸፍሎ ትካል ኮይኑ፡ ካብቲ ልቓሕ ዘበገሰ ትካል ዝተፈልየ ክኸውን ይኽእል።)
ነዚ ሬት ክሳብ መዓስ ክዓጽዎ ይኽእል ፧ ቅድሚ ምዕጻወይ ሬት እንተወሪዱ ዝተሓተ ደረጃ ክረክብ ይኽእል ድየ ፧
መስርሕ ምጽዳቕ ልቓሕ ክንደይ ግዜ ክወስድ እዩ ፧
ልቓሕ ንምዕጻው ክንደይ ግዜ ክወስድ እዩ ፧
ነዚ ልቓሕ ኣቐዲምካ ንምኽፋል ዝኽፈል ወይ መቕጻዕቲ ኣሎ ድዩ ፧
ኣብ ዕድመ እዚ ልቓሕ ክንደይ ክኸፍል እየ ፧
ሕጊ ፌደራል ኣለቃሕቲ ንተለቃሕቲ ክልተ ሰነዳት ክህቡ ይጠልብ፤
ንልቓሕ ካብ ዝሓተትካሉ ኣብ ውሽጢ ሰለስተ መዓልታት፡ ብዛዕባ እቲ ልቓሕ ኣገዳሲ ሓበሬታ ዝገልጽ ግምት ልቓሕ ክትረክብ ኢኻ፡ እዚ ድማ ግምታዊ ወርሓዊ ክፍሊትካን ግምታዊ ናይ ምዕጻው ወጻኢታትካን ሓዊሱ እዩ።
ድሕሪኡ፡ እንተወሓደ ቅድሚ ናይ ገዛ ዕድጊ ምዕጻውካ ሰለስተ ናይ ስራሕ መዓልታት፡ ኣለቃሒኻ ናይ ምዕጻው መግለጺ ደብዳበ ክሰደልካ እዩ፡ እዚ ድማ ከም ናይ መወዳእታ ናይ ምዕጻው ወጻኢታትን መን ኣብ ምዕጻው ከም ዝኽፈልን ዝኣመሰሉ ኣገደስቲ ዝርዝራት ይህብ።
Questions to Ask When Choosing a Lender
Loan terms, rates, and products can vary significantly from one company to the next. When shopping around, these are questions that can help you determine the best lender and loan product for you.
General questions:
What are the most popular mortgages you offer? Why are they so popular?
Which mortgage products would you recommend for my situation?
Are your rates, terms, fees, and closing costs negotiable?
Do you offer discounts for inspections, home ownership classes, or automatic payment set-up?
Will I have to buy private mortgage insurance? If so, how much will it cost, and how long will it be required?
What escrow requirements do you have?
What kind of bill-pay options do you offer?
Loan-specific questions:
What's included in my mortgage payment (homeowners insurance, property taxes, etc.)?
Who will service this loan? (The loan servicer is the company you pay each month, which may be different from company that originates the loan.)
How long can I lock in this rate? Will I be able to obtain a lower rate if market rates go down before I close?
How long will the loan approval process take?
How long will it take to close the loan?
Are there any charges or penalties for prepaying this loan?
How much will I be paying over the life of this loan?
Federal law requires lenders to provide two documents to borrowers:
Within three days of applying for a loan, you'll get a Loan Estimate that spells out important information about the loan, including your estimated monthly payment and estimated closing costs.
Then, at least three business days before you close on your purchase, your lender will send you a Closing Disclosure, which provides important details such as final closing costs and who gets paid at closing.
WATCH NEXT
ገዛ ምግዛእ ኣብ 2024: እኹል መምርሒ ንመጀመርታ ግዜ ገዛ ዝዕድጉ - • ገዛ ምግዛእ ኣብ 2024: እኹል መ...
ገዛ ክንገዝእ ከለና እንታይ መዐቀኒታት ክንርኢ ኣለና - • ገዛ ክንገዝእ ከለና እንታይ መዐቀኒ...
ኣብዚ ናይ ሎሚ ዕዳጋ ገዛ፥ ገዛ ክትገዝእ ይግባእ ድዩ - • ኣብዚ ናይ ሎሚ ዕዳጋ ገዛ፥ ገዛ ክ...
ክትፈልጦ ዘለካ ረብሓታት ዋንነት ገዛ - • ክትፈልጦ ዘለካ ረብሓታት ዋንነት ገ...
7 ዕውታት መትከላት ንምዕዳግ ገዛ - • ነዞም ዝስዕቡ መትከላት ብምኽታል ና...
ካብ መጀመርታ ክሳብ መወዳእታ መስርሕ ናይ ገዛ ምሻጥን ምዕዳግን (ብወገን ገዛኣይ ክረአ ከሎ)- • ካብ መጀመርታ ክሳብ መወዳእታ መስር...
5 ምኽርታት መርመራ ገዛ - • መርመራ ገዛ እንታይ እዩ? ናይ ገዛ...
7 ንመጀመርታ ግዜ ገዛ ዝገዝኡ ሰባት ዝገብርዎ ጌጋታት! • ምኽርታት ንመጀመርታ ግዜ ገዛ ዝገዝ...
7 ክትሓቶ ዘለካ ሕቶታት ብዛዕባ ክትነብሮ ደሊኻ ዘለኻ ከባቢ- • ምክርታት ብዛዕባ ገዛ ትገዝኣሉ ከ...
Contact Inf:-
Business inquires
[e-mail]
Efrem Debesay- Columbus OH
Real Estate Agent with KW Greater Columbus Realty
Facebook page
/ efremrealtor
KZbin Channel
/ @realtorefrem
--መተሓሳስቢ --
ኤፍረም ደበሳይ ፍቓድ ዘለዎ ሪልቶር ምስ ኬለር ዊልያምስ ግሬተር ኮሎምበስ ሪልቲ እዩ። ኬለር ዊልያምስ ግሬተር ኮሎምበስ ሪልቲ ኣለቃሒ ኣይኮነን፣ ናይ ልቓሕ ብቕዓት ኣይህብን፣ ዝኾነ ዓይነት ልቓሕ እውን ኣይህብን እዩ። ዝተዘተየሎም ኣርእስታት፡ ዝቐርቡ ሓሳባት ድማ ናይ ኤፍረም ደበሳይ ርእይቶ ኮይኖም ንመምሃሪ ጥራይ ዝቐረቡ እዮም። እቲ ዝቐርብ ሓበሬታ ከም ፋይናንሳዊ ወይ ሕጋዊ ምኽሪ ክውሰድ የብሉን። ኩሉ ግዜ ናይ ገዛእ ርእስኻ ግቡእ ምጽራይ ግበር። ቅድሚ ዝኾነ ትምህርተይ ምትግባርኩም ብሕያውነት ካብ ፍቓድ ዘለዎ ጠበቓ፡ ኣማኻሪ ፋይናንስ ወይ ኣብ ከባቢኹም ዝርከብ ኣካውንታንት ምኽሪ ድለዩ።
-DISCLAIMER --
Efrem Debesay is a licensed Realtor of Keller Williams Greater Columbus Realty. Keller Williams Greater Columbus Realty is not a lender, does not issue loan qualifications, and does not extend credit of any kind. The topics discussed, and ideas presented are Efrem Debesay's opinions and presented for educational purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence and before implementing my content, please consult a licensed attorney, financial advisor or accountant(CPA).

[@Realtorefrem]

Respected brothers and sisters Please Like,Share, comment and Subscribe !!

[@dfsimon4323]

❤🎉

[@Realtorefrem]

Thank you D. Fitwi!!

[@atobrhangodlu6474]

Useful info. Excellent as usual

[@Realtorefrem]

Thank you Dr. Atie!!

[@eritimes]

Keep it up Efar!

[@Realtorefrem]

@@eritimes Thank you!!

[@HealthyMind5]

ከም ወትሩ ብሉጽ ትሕዝቶ ቪድዮ ኤፋር❤

[@Realtorefrem]

የቐንየልና @HealthyMind5

[@layneteshome7090]

ዋው ኤፋር ሓውና ጽቡቅ ኣስተምህሮ❤

[@Realtorefrem]

የቐንየልና ላይነ! ሓጋዚ ኮይኑ ክትረኽብዎ ተስፋ እገብር!

[@yonatankelati2858]

Best idea effi brother. Keep it up.

[@Realtorefrem]

Thank you Yoni!!

[@eseyasgebremichail8144]

Efar Welcome buro

[@Realtorefrem]

Thank you Eseyas!!