Lease options to buy home programs are becoming increasing popular with those that have bad credit problems and can not normally qualify for a home mortgage loan, according to Jaime Polanco, real estate investor and President of AmeriVision Mortgage Corporation. Zakup opcije za kupnju kuće programi postaju sve veći popularan sa onima koji imaju lošu kreditnu problema i ne može normalno kvalificirati za dom hipotekarni kredit, prema Jaime Polanco, nekretnine investitor i predsjednik AmeriVision hipoteka Corporation.

Many potential home owners believe that buying a home will overcome or fix a bad credit situation! Mnogi vlasnici potencijalna kuće vjeruju da je kupnja kuće će prevladane ili popravka loše kreditne situacije! They go from mortgage broker to mortgage broker looking for a loan that does not exist, rather than try and remedy the problem. Oni idu od hipoteke hipotekarni broker posrednik da tražite kredit da ne postoji, nego pokušajte i otkloniti problem.

To qualify for a home mortgage loan the bad credit situation has to be fixed first, and not the other way around. Da bi ostvario pravo na dom hipotekarni kredit na kredit loše stanje mora biti fiksne prvi, a ne obrnuto. Lease option to buy home programs provide that solution. Zakup opciju za kupnju kuće programi koje pružaju rješenje.

People who have benefited from a lease option to buy home program include those that are recently divorced, suffered bankruptcy, or where FICO credit scores are simply too low. Ljudi koji imaju koristi od zakupa opciju za kupnju kuće programa uključuju one koje su nedavno razvedena, pretrpjela bankrot, ili gdje FICO kreditne ocjene su jednostavno preniske.

Lease option to buy home programs, also know as rent to own programs, are unlike regular mortgages because the applicant does not have to qualify for a loan. Zakup opciju za kupnju kuće programa, također poznato kao najam za vlastite programe, a za razliku od redovnih hipoteka, jer podnositelj zahtjeva ne moraju kvalificirati za kredit.

The initial focus is on the ability to make monthly lease payments. U početnim fokus je na mogućnost da mjesečni zakup plaćanja. As most are making rental payments anyway, this is not much of an issue. Kao i većina se odluka najam plaćanja svejedno, to nije mnogo problem. The second focus is on their future potential for purchasing the home. U drugom je fokusom na svoju budućnost potencijal za kupnju kuće.

Bad credit issues can be worked on, while living in the new home. Loše kreditne pitanja mogu biti na radio, a žive u novi dom. Over time, most credit issues can be corrected. Tijekom vremena, većina kreditne pitanja mogu biti ispravljene.

Lease option to buy home programs make ideal alternatives for the self-employed, compared to traditional means of home ownership. Zakup opciju za kupnju kuće programi čine idealna alternativa za self employed, u usporedbi s tradicionalnim sredstvima kuće vlasništvo.

The original agreement for a lease option to buy home program states the purchase price the day the tenant moves in, and doesn't change. Originalni ugovor za zakup opciju za kupnju kuće programa navodi se nabavna cijena na dan stanar se seli u, i ne mijenja. Any increase in the value of the home belongs to the tenant when the loan is closed. Svako povećanje vrijednosti od kuće spada u stanar kada je zajam zatvoren.

Typically, with a lease option monthly payments are less than it would cost to own the same home. Obično, uz zakup mogućnost mjesečne isplate manje nego što bi se na vlastiti trošak iste kuće. These monthly savings can be put away, and used to increase the down payment at the time of actual purchase." Ove mjesečne uštede mogu biti otpuštena, a koristi se za povećanje predujam u trenutku kupnje stvarni. "

Depending on the situation, a tenant can occupy the new home in just a few days or a move-in date can be scheduled around any current living situations. Ovisno o situaciji, a zakupac može imati novi dom u samo nekoliko dana ili premjestiti-u datum može biti na rasporedu otprilike svaki trenutni dnevni situacijama.

A minimal down payment is required, or down payment assistance is available if needed. Minimalni kapara je potrebno, ili kapara pomoć je dostupna po potrebi. The down payment, and a monthly rent credit, will be deducted from the purchase price of the new home, reducing the amount of money needed at closing. Predujam, a mjesečni najam kredit, bit će oduzeli od kupoprodajne cijene u novi dom, smanjujući iznos od novac potreban pri zatvaranju.

Lease option to buy home programs help tenants by improving their FICO score and they can look forward to home ownership in a relatively short period of time, concludes Polanco. Zakup opciju za kupnju kuće programa pomoći vinogradarima od strane rezultat FICO poboljšanje njihove, i može ih proslijediti na početnu potražite vlasništva u relativno kratkom vremenu, zaključuje Polanco.

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