{"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":"confronto-tra-4-opzioni-di-prestito-a-basso-acconto-escluso-fha","status":"publish","type":"post","link":"https:\/\/thedocegroup.com\/it\/compare-4-low-down-payment-loan-options-excluding-fha\/","title":{"rendered":"Confronto tra 4 opzioni di prestito a basso anticipo, escluso il FHA"},"content":{"rendered":"<p>Molte persone credono che i programmi di prestito FHA siano gli unici programmi di prestito con un basso anticipo. Sebbene il programma di prestiti FHA sia eccellente, non dovete rassegnarvi a risparmiare 20% di acconto se l'immobile che vi interessa non \u00e8 adatto a un prestito FHA.&nbsp;<\/p>\n\n\n\n<p>Fannie Mae e Freddie Mac offrono altri programmi eccellenti che potrebbero interessarvi. Molti di essi consentono di acquistare propriet\u00e0 come bifamiliari, quadrifamiliari o case fabbricate.<\/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\">Il programma HomeReady<\/a> \u00e8 pensato principalmente per gli acquirenti a basso reddito che dispongono di una liquidit\u00e0 limitata per l'acconto. L'acconto pu\u00f2 provenire da fonti quali doni o sovvenzioni. \u00c8 possibile qualificarsi anche con un reddito da affitto o da pensione, anche se l'affittuario o il pensionante vivrebbe in un'ADU.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>HomeReady richiede un anticipo del 3%.<\/li>\n\n\n\n<li>Il cliente dovr\u00e0 pagare un'assicurazione ipotecaria annullabile fino a quando il capitale proprio non raggiunger\u00e0 i 20%.<\/li>\n\n\n\n<li>Nessuna restrizione geografica.<\/li>\n\n\n\n<li>Se tutti i mutuatari occupanti sono acquirenti di prima casa, almeno un mutuatario deve seguire un corso di formazione sulla propriet\u00e0 della casa.<\/li>\n\n\n\n<li>Potete collaborare con acquirenti non occupanti, come i genitori.<\/li>\n<\/ul>\n\n\n\n<p>Il programma HomeReady pu\u00f2 essere utilizzato per l'acquisto di un'abitazione costruita o di un'abitazione tradizionale.<\/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'opzione Fannie Mae Standard 97<\/a> richiede che almeno un mutuatario sia un acquirente di prima casa, ma offre un'opzione con un basso acconto senza limiti di reddito.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Richiede un anticipo di 3%.<\/li>\n\n\n\n<li>Richiede un'assicurazione ipotecaria.<\/li>\n\n\n\n<li>Se tutti i mutuatari sono acquirenti di prima casa, almeno un mutuatario deve completare la formazione per acquirenti di prima casa.<\/li>\n\n\n\n<li>Consente ai mutuatari di ottenere assistenza per l'acconto e le spese di chiusura da fonti terze.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Questo programma consente di acquistare un'ampia variet\u00e0 di tipi di case, tra cui un'abitazione principale standard, un condominio, una cooperativa, un PUD o un'abitazione standard fabbricata.&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> \u00e8 pensato per gli acquirenti di prima casa che necessitano di un finanziamento flessibile.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Richiede un anticipo di 3%.<\/li>\n\n\n\n<li>Nessun limite geografico.<\/li>\n\n\n\n<li>Nessun limite di reddito.\u00a0\u00a0<\/li>\n\n\n\n<li>Permette al mutuatario di utilizzare programmi di assistenza per il pagamento dell'acconto.<\/li>\n\n\n\n<li>Richiede un'assicurazione ipotecaria.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>HomeOne vi permette di acquistare case unifamiliari, villette a schiera o condomini.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Freddie Mac Casa Possibile<\/strong><\/h2>\n\n\n\n<p>Il <a href=\"https:\/\/sf.freddiemac.com\/working-with-us\/origination-underwriting\/mortgage-products\/home-possible\">Casa possibile<\/a> \u00e8 uno dei programmi di mutuo a basso acconto pi\u00f9 flessibili.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Richiede un anticipo di 3%.<\/li>\n\n\n\n<li>Gli acconti possono provenire da pi\u00f9 fonti, tra cui familiari, datori di lavoro e finanziamenti secondari.<\/li>\n\n\n\n<li>Limitato ai mutuatari a basso reddito.<\/li>\n\n\n\n<li>L'assicurazione ipotecaria \u00e8 obbligatoria, ma pu\u00f2 essere annullata dopo che il mutuatario ha raggiunto un patrimonio netto di 20%.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Il programma pu\u00f2 essere utilizzato per l'acquisto di edifici da 1 a 4 unit\u00e0, condomini, coop, progetti di sviluppo unitario e alcune case costruite.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Scegliere il programma giusto<\/strong><\/h2>\n\n\n\n<p>Quando sono disponibili cos\u00ec tanti programmi, pu\u00f2 essere difficile scegliere quello pi\u00f9 adatto a voi e alla vostra famiglia.&nbsp;<\/p>\n\n\n\n<p>Fortunatamente, non dovete affrontare queste complessit\u00e0 da soli. Alex Doce pu\u00f2 aiutarvi a scegliere il programma di mutuo per la casa a basso acconto pi\u00f9 adatto alla vostra famiglia e al tipo di immobile che desiderate acquistare.&nbsp;<br>Alex vi fornir\u00e0 le risorse e il supporto necessari per ottenere l'approvazione di un prestito. <a href=\"https:\/\/thedocegroup.com\/contact\/\">Prenotate oggi stesso la vostra consulenza individuale.<\/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 4.9.7.2 - 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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