{"id":6333,"date":"2024-04-03T20:22:00","date_gmt":"2024-04-03T20:22:00","guid":{"rendered":"https:\/\/thedocegroup.com\/?p=6333"},"modified":"2024-07-12T09:08:40","modified_gmt":"2024-07-12T09:08:40","slug":"comparez-4-options-de-pret-a-faible-acompte-a-lexclusion-de-la-fha","status":"publish","type":"post","link":"https:\/\/thedocegroup.com\/fr\/compare-4-low-down-payment-loan-options-excluding-fha\/","title":{"rendered":"Comparez 4 options de pr\u00eat \u00e0 faible mise de fonds, \u00e0 l'exception de la FHA"},"content":{"rendered":"<p>De nombreuses personnes pensent que les programmes de pr\u00eats FHA sont les seuls programmes de pr\u00eats \u00e0 faible acompte. Bien que le programme de pr\u00eat FHA soit excellent, vous ne devez pas vous r\u00e9signer \u00e0 verser un acompte de 20% si le bien qui vous int\u00e9resse n'est pas adapt\u00e9 \u00e0 un pr\u00eat FHA.&nbsp;<\/p>\n\n\n\n<p>Fannie Mae et Freddie Mac proposent plusieurs autres excellents programmes qui peuvent vous int\u00e9resser. Beaucoup d'entre eux vous permettent d'acheter des propri\u00e9t\u00e9s telles que des duplex, des quadruplex ou des maisons pr\u00e9fabriqu\u00e9es.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Fannie Mae HomeReady<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/singlefamily.fanniemae.com\/originating-underwriting\/mortgage-products\/homeready-mortgage?utm_campaign=pte-sf-homeready-202401&amp;utm_source=googleads&amp;utm_medium=cpc&amp;utm_content=prs-sea-hrfmbee-n-len-HomeReady%7CHMRD%7CSEM%7CBrand&amp;utm_term=fannie%20mae%20homeready&amp;gad_source=1&amp;gclid=Cj0KCQjwwYSwBhDcARIsAOyL0fhPrm4At5Ul-BqBcvKWsI_gEZPsvnzLDL1BPdlDOE0i-36JWNeKcHcaAn4OEALw_wcB&amp;gclsrc=aw.ds\">Le programme HomeReady<\/a> est con\u00e7u principalement pour les acheteurs \u00e0 faibles revenus disposant de peu de liquidit\u00e9s pour le versement d'un acompte. Les acomptes peuvent provenir de sources telles que des dons ou des subventions. Vous pouvez \u00e9galement b\u00e9n\u00e9ficier de ce programme si vous disposez d'un revenu de location ou de pension, m\u00eame si votre locataire ou votre pensionnaire vit dans une UAD.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>HomeReady exige un acompte de 3%.<\/li>\n\n\n\n<li>Vous devrez payer une assurance hypoth\u00e9caire r\u00e9siliable jusqu'\u00e0 ce que votre capital atteigne 20%.<\/li>\n\n\n\n<li>Aucune restriction g\u00e9ographique.<\/li>\n\n\n\n<li>Si tous les emprunteurs occupants sont des primo-acc\u00e9dants, au moins un emprunteur doit suivre une formation \u00e0 l'accession \u00e0 la propri\u00e9t\u00e9.<\/li>\n\n\n\n<li>Vous pouvez vous associer \u00e0 des acheteurs non occupants, comme les parents.<\/li>\n<\/ul>\n\n\n\n<p>Vous pouvez utiliser le programme HomeReady pour acheter une maison pr\u00e9fabriqu\u00e9e ou une maison traditionnelle.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Fannie Mae Standard 97<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/singlefamily.fanniemae.com\/originating-underwriting\/mortgage-products\/97-loan-value-options\">L'option Fannie Mae Standard 97<\/a> exige qu'au moins un des emprunteurs soit un primo-acc\u00e9dant, mais offre une option de versement d'un acompte peu \u00e9lev\u00e9 sans limite de revenus.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>N\u00e9cessite un acompte de 3%.<\/li>\n\n\n\n<li>Exige une assurance hypoth\u00e9caire.<\/li>\n\n\n\n<li>Si tous les emprunteurs sont des primo-acc\u00e9dants, au moins un emprunteur doit suivre une formation \u00e0 l'accession \u00e0 la propri\u00e9t\u00e9.<\/li>\n\n\n\n<li>Permet aux emprunteurs d'obtenir une aide pour le versement initial et les frais de cl\u00f4ture aupr\u00e8s de sources tierces.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Ce programme vous permet d'acheter une grande vari\u00e9t\u00e9 de types de logements, y compris une r\u00e9sidence principale standard, un condo, une coop\u00e9rative, un PUD ou un logement pr\u00e9fabriqu\u00e9 standard.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Freddie Mac HomeOne<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/sf.freddiemac.com\/working-with-us\/origination-underwriting\/mortgage-products\/home-one\">HomeOne<\/a> est con\u00e7u pour les acheteurs d'un premier logement qui ont besoin d'un financement flexible.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>N\u00e9cessite un acompte de 3%.<\/li>\n\n\n\n<li>Aucune limite g\u00e9ographique.<\/li>\n\n\n\n<li>Pas de limite de revenus.\u00a0\u00a0<\/li>\n\n\n\n<li>Permet \u00e0 l'emprunteur d'utiliser des programmes d'aide au versement initial.<\/li>\n\n\n\n<li>Exige une assurance hypoth\u00e9caire.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>HomeOne vous permet d'acheter des maisons individuelles, des maisons en rang\u00e9e ou des appartements.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Freddie Mac Home Possible<\/strong><\/h2>\n\n\n\n<p>Les <a href=\"https:\/\/sf.freddiemac.com\/working-with-us\/origination-underwriting\/mortgage-products\/home-possible\">Accueil possible<\/a> est l'un des programmes de pr\u00eat hypoth\u00e9caire \u00e0 faible acompte les plus flexibles.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>N\u00e9cessite un acompte de 3%.<\/li>\n\n\n\n<li>Les acomptes peuvent provenir de plusieurs sources, notamment de membres de la famille, d'employeurs et de financements secondaires.<\/li>\n\n\n\n<li>Limit\u00e9 aux emprunteurs \u00e0 faibles revenus.<\/li>\n\n\n\n<li>L'assurance hypoth\u00e9caire est obligatoire mais peut \u00eatre annul\u00e9e lorsque l'emprunteur atteint 20% de fonds propres.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Vous pouvez utiliser ce programme pour acheter des immeubles de 1 \u00e0 4 logements, des condominiums, des coop\u00e9ratives, des lotissements et certaines maisons pr\u00e9fabriqu\u00e9es.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Choisir le bon programme<\/strong><\/h2>\n\n\n\n<p>Face \u00e0 la multitude de programmes disponibles, il peut \u00eatre difficile de choisir celui qui vous convient, \u00e0 vous et \u00e0 votre famille.&nbsp;<\/p>\n\n\n\n<p>Heureusement, vous n'avez pas \u00e0 faire face seul \u00e0 ces complexit\u00e9s. Alex Doce peut vous aider \u00e0 choisir le programme de pr\u00eat immobilier \u00e0 faible mise de fonds qui convient \u00e0 votre famille et au type de propri\u00e9t\u00e9 que vous souhaitez acheter.&nbsp;<br>Alex vous fournira les ressources et le soutien dont vous avez besoin pour obtenir un pr\u00eat. <a href=\"https:\/\/thedocegroup.com\/contact\/\">Planifiez votre consultation individuelle d\u00e8s aujourd'hui.<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Many people believe that FHA loan programs are the only low-down-payment loan programs. While the FHA loan program is an excellent one, you don&#8217;t have to resign yourself to saving 20% down if the property you are interested in isn&#8217;t suitable for an FHA loan.&nbsp; Fannie Mae and Freddie Mac offer several other excellent programs [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6334,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6333","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.5.2 - aioseo.com -->\n\t<meta name=\"description\" content=\"The FHA loan program isn&#039;t the only low-down-payment loan program. 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