Nokushandisa vanokweretesa pamutemo wavo, Congress yakakwanisa kupfurikidza nemitemo yakawanda yehurumende uye yakasiyana mitemo ine chokuita nekutengesa kwemahombekombe munyika yose. Vatengesi vanofanira kugara neR RESPA, uye izvi zvinobudirira zvinobvumira kutonga kwegadziriro yekugadzirisa kuburikidza navo.
Kukurukurwa kukuru kweR RESPA "chero ipi zvayo inoshandiswa nehurumende yakabhadhara mari yechikwereti."
Sezvo zvikwereti zvizhinji zvekugara zvinopedzisira zvakabatana nehurumende mune imwe nzira kuburikidza nehurumende yemari yekuchengetedza uye yekubhadhara mari yekusimudzira mari, RESPA inosanganisira huwandu hwekutengesa zvivako. Ndiri kunyanya kutaura pamusoro pekubhadhara chikwereti kubva kuna Fannie Mae naFreddie Mac. Kunyanya, zvinokonzera kufambisa zvinosanganisira:
- zvikwereti zvakawanda zvakachengetedzwa ne-link (nzvimbo yekutanga kana pasi) panzvimbo yekugara;
- chikwereti chinotenga imba;
- Mutengesi anogamuchira mafungiro;
- kugadzirisa zvikwereti;
- chikwereti cheimba yekuvandudza;
- HELOK, misha yekuenzanisa yemakwereti; and
- revers retirement.
Zvibvumirano zvekutengesa zvipfeko, kana zvibvumirano zvenyika, zvinogonawo kuvharwa kana mutengesi achitora chikamu chechikwereti anobhadharwa nemumwe chikwereti pane iyo iyo iyo yakafukidzwa neR RESPA.
Chino apa zvikwereti zvinotsigirwa naFannie Mae, Freddie Mac, USDA, VA, FHA, nedzimwe sangano rehurumende.
Icho hachisi rudzi rwechikwereti zvakadai sokuti hurumende yehurumende inobatanidzwa. Kana iri marudzi ezvikwereti izvo vatengi vako vangave vachitsvaga izvo zvichava RESPA inobatanidzwa:
Mortgage inowanikwa
Iyi ndiyo chikwereti chinosangana nezvinodiwa zvekunyoresa pasi uye hazvibvunzwi seJumbo kutenga chikwereti pane zvakanyanya zvepamusoro izvo zvine zvakanyanya zvinodiwa zvekuvimbisa.
Izvi zvinowanzobudiswa nebhangi uye vatengi vemari.
FHA
The Federal Housing Administration inotsigira zvikwereti zvekubhadhara zvikwereti uye inosanganisira zvakananga mari dzekunamatira. Mushure mekuparara muna 2006 mberi, FHA zvikwereti zvave zvakakurumbira zvikuru nekuda kwekubhadhara zvido zvinosvika pasi pe 3.5%. Zvimwe zvikwereti, kunyanya zvikwereti zvekare, zvinoda kusvika 20% mubhadharo pasi. Hezvino izvo zvinotaurwa neFHA pawebsite yavo:
Basa reHofisi yeZvenzvimbo nderekuti:
Inobatsira kuvaka nekuchengetedza zvivakidzani zvine utano nemunharaunda
Chengetedza uye uwedzere dzimba, dzimba dzekurenda, uye mikana yehutano
Simbisa misika yezvikwereti munguva dzekushungurudzika kwezvemari
Shandisa nehuwandu hwepamusoro wehupfumi nehupfumi
Kuziva uye kukoshesa vatengi vayo, vashandi, zvikamu, uye vashandi
VA
Veterans Administration inotsigirawo zvikwereti, vamwe nechepasi kana kwete pasi pasi kune veterans. Icho chinonyanya kudzivirira, kunyanya chichibatana nemamiriro ezvinhu epfuma uye kuongorora. Izvi zvinotevera vimbiso yeA VA:
"VA vanobatsira Vashumiri, Veterans, uye vakakodzera vanoparadzana vanowanzova varidzi vemunharaunda. Sechikamu chebasa redu rokukushumirai, isu tinopa mvumo yekubhadhara mari yeimba yemari nemamwe mapurogiramu ane chokuita neimba kuti akubatsire kutenga, kuvaka, kugadzirisa, kuchengetedza, kana kugadzirisa kumba kumba kwako pachako.
VA Mibairo yeMusha inowanikwa nevashambadzi vega, semabhanki uye makambani ekubhadhara mari. VA inotsigira chikamu chechikwereti, zvichiita kuti chikwereti ichikupei mamwe mazwi akanaka. "
USDA
IUnited States Dhipatimendi Rezvekurima inowanzoregererwa semurengeti wechikwereti, asi vane purogiramu yekugadzirisa zvikwereti mu "kumaruwa" nzvimbo dzakapoteredza nyika. Vamwe vanokwereta vanogona kupinda mumusha unokweretesa kusvika ku10% yeuwandu hwekuverengwa kweimba.
Fannie Mae naFreddie Mac
Aya ndiwo masangano ehurumende-ehurumende akaiswa kunze kwevateresi mushure mekuparadzwa kwedzimba. Iko zvino yava kunobatsira zvakare uye vanochengetedza zvikwereti zvekukoteredza nyika. Ivo vari kure zvikuru masangano makuru anovimbisa kugadzirisa zvikwereti.
Fannie naFreddie Foreclosures
Aya masangano anopedzisira aine dzimba dzakadzorerwa mumabhuku avo uye dzinovashambadzira ivo kutengesa pane mawebsite avo nemari yakakosha iripo.
Iyo nzira yakanaka yekuwana imba nekutengeserana nemari yakanaka, asi inowanzodikanwa kugadziriswa kwakakura.
Nepo kune vatsoropodzi vazhinji vakaisa mhosva yeimba nekutengesa mari kune zvivimbiso uye chikwereti chiri nyore, vamwe vanoomesa kuti pachava nevatengi vakawanda vashambadzi veimba vasina mapurogiramu aya.