<p>FHA 贷款要求对房产进行市场价值评估，评估师还会检查房屋的特定安全特征。这是因为这些房产的状况可能存在合理的担忧，NewDay USA 的总裁 Neil Brooks 告诉 MarketWatch。Brooks 也是一名房地产代理。</p>
<p>“很多人试图出售他们的废物，而 FHA 不希望首次购房者或退伍军人购买一栋在搬入后可能需要花费大量金钱修缮的房子，” Brooks 说。他补充道，VA 贷款也面临类似的卖方要求。</p>
<p>其次，FHA 有更严格的评估要求，因为政府为抵押贷款提供担保，并希望确保房产的价值不会被抬高。Vega 表示，如果房屋卖家在 91 天内购买了翻转的房产，则不能将其出售给 FHA 买家。</p>
<p>考虑到这些附加条件，买家的报价可能会失败，这意味着卖家需要寻找新的买家。这使得 FHA 贷款在一些卖家看来不那么有吸引力，费城联邦储备银行的研究人员指出。</p>
<p>但经验丰富的房地产代理可以绕过这些问题。</p>
<p>如果房产的销售价格低于评估价值，一些评估师会给卖方代理机会，争辩为什么房屋应该被评估得更高，Brooks 说。</p>
<p>他们可能会在完成评估之前联系，并要求提供房屋所做改进或升级的清单，以帮助支持这一价值，他说。</p>
<p>买家还可以通过支付更多的首付款来对抗 FHA 贷款的负面看法，以表明他们对购买房屋的认真态度。</p>
<p>买家还可以在提交报价之前与卖家安排私人房屋检查，以便所有各方都了解房产的缺陷，以及它是否能通过 FHA 评估。</p>
<p>约翰逊一家选择 FHA 贷款的原因</p>
<p>在密尔沃基，FHA 贷款对约翰逊一家来说效果很好，因为贷款要求允许更高的债务收入比（DTI），即买人的每月债务与其收入的比率。</p>
<p>安德烈亚·约翰逊经营着自己的美发沙龙，她的收入每年波动很大，DTI 也随之变化，这在申请传统抵押贷款时造成了挑战。</p>
<p>贷款机构通常不希望购房者的 DTI 过高。根据全国房地产经纪人协会的年度报告，贷款机构拒绝买家抵押贷款申请的最常见原因是高债务收入比。</p>
<p>相关：购房者被拒绝抵押贷款的五个最常见原因</p>
<p>传统贷款在转售给房利美时，买家的 DTI 只能达到 50%——这意味着他们的总月债务支付（包括新的抵押贷款支付）不得超过其总月收入的 50%。而 FHA 允许买家的 DTI 达到 57%。</p>
<p>在与其他买家失去报价后，约翰逊一家的房地产代理亚历克斯·德伦发现了应对 FHA 贷款污名的办法。</p>
<p>在参观房屋时，代理和这对夫妇开始寻找任何可能对 FHA 评估师构成担忧的房产缺陷或问题。通过关注可能在销售过程中成为问题的潜在担忧，他们能够在最初的报价中解决这些问题，以确保他们的购买协议顺利通过。</p>
<p>德伦在约翰逊一家最终购买的房子的第一次展示中注意到屋顶有些下垂和磨损的瓦片。她向卖方强调这些可能是 FHA 检查员会标记的缺陷。“我们向卖方坦诚，我们确信 FHA 检查员不会通过目前状态的屋顶，” 她解释道，“并能够与卖方谈判，在交割前由卖方承担更换屋顶的费用。”</p>
<p>约翰逊一家决定购买一栋四卧室、近 2700 平方英尺的房子，挂牌价为 495,000 美元，出价 510,000 美元。作为唯一对该房屋出价的买家，这帮助他们在与卖方谈判时获得了优势。</p>
<p>安德烈亚和迈克·约翰逊在七月初完成了房屋交易。</p>
<p>您是否有关于房地产的问题希望在 MarketWatch 上看到？我们希望听到读者的声音。您可以通过 readerstories@marketwatch.com 与我们联系。记者可能会联系您以了解更多信息。MarketWatch 不会在未经您许可的情况下将您的回答归属到您的名字。</p>
<p>-阿尔西·斯瓦米纳坦</p>
<p>此内容由 MarketWatch 创建，MarketWatch 由道琼斯公司运营。MarketWatch 独立于道琼斯新闻社和《华尔街日报》出版。</p>
<p>（结束）道琼斯新闻社</p>
<p>12-12-25 1408ET</p>

房利美

AOMR

<p>越来越多的购房者选择 FHA 贷款，尽管评估标准更加严格，但其灵活的债务收入比要求吸引了他们。密尔沃基的约翰逊一家选择了 FHA 贷款，因为其更高的 DTI 容许限度，在代理的帮助下克服了挑战。FHA 贷款要求进行评估，以确保房产的价值和安全，这对卖家来说存在风险。经验丰富的代理可以缓解这些问题，正如约翰逊一家在成交前成功谈判获得新屋顶的案例所示</p>

<p>FHA loans require the home to be appraised at the property's market value, and the appraiser also checks for specific safety features in the house. This is because there can be legitimate concerns about the condition of these properties, Neil Brooks, president of NewDay USA, a mortgage lender, told MarketWatch. Brooks is also a real-estate agent.</p>
<div class="lb-trans"><p>FHA 贷款要求对房产进行市场价值评估，评估师还会检查房屋的特定安全特征。这是因为这些房产的状况可能存在合理的担忧，NewDay USA 的总裁 Neil Brooks 告诉 MarketWatch。Brooks 也是一名房地产代理。</p>
</div><p>&#34;A lot of people out there are trying to sell their junk, and the ... FHA doesn't want to have a first-time home buyer or a veteran buy a house that's going to cost them a ton of money that they may or may not have to fix up after they move in,&#34; Brooks said. VA loans face similar requirements from sellers, he added.</p>
<div class="lb-trans"><p>“很多人试图出售他们的废物，而 FHA 不希望首次购房者或退伍军人购买一栋在搬入后可能需要花费大量金钱修缮的房子，” Brooks 说。他补充道，VA 贷款也面临类似的卖方要求。</p>
</div><p>Secondly, the FHA has stricter appraisal requirements because the government is backing the mortgage, and it wants to make sure that the property's value is not inflated. Home sellers also cannot sell flipped properties to FHA buyers if they had bought it less than 91 days prior, Vega said.</p>
<div class="lb-trans"><p>其次，FHA 有更严格的评估要求，因为政府为抵押贷款提供担保，并希望确保房产的价值不会被抬高。Vega 表示，如果房屋卖家在 91 天内购买了翻转的房产，则不能将其出售给 FHA 买家。</p>
</div><p>Given these contingencies, there is a risk that the buyer's offer may fall through, which means the seller would have to find a new buyer. And that makes the FHA loan seem less desirable to some sellers, the Philly Fed researchers noted.</p>
<div class="lb-trans"><p>考虑到这些附加条件，买家的报价可能会失败，这意味着卖家需要寻找新的买家。这使得 FHA 贷款在一些卖家看来不那么有吸引力，费城联邦储备银行的研究人员指出。</p>
</div><p>But experienced real-estate agents can work around these issues.</p>
<div class="lb-trans"><p>但经验丰富的房地产代理可以绕过这些问题。</p>
</div><p>If the property's sale price is lower than the appraised value, some appraisers give the seller's agents the opportunity to argue why the home should be valued higher, Brooks said.</p>
<div class="lb-trans"><p>如果房产的销售价格低于评估价值，一些评估师会给卖方代理机会，争辩为什么房屋应该被评估得更高，Brooks 说。</p>
</div><p>They may reach out before finishing the appraisal and ask for a list of improvements done to the house or upgrades that can help support this value, he said.</p>
<div class="lb-trans"><p>他们可能会在完成评估之前联系，并要求提供房屋所做改进或升级的清单，以帮助支持这一价值，他说。</p>
</div><p>Buyers can also combat the negative perceptions of FHA loans by putting more money down to show how serious they are about buying the house.</p>
<div class="lb-trans"><p>买家还可以通过支付更多的首付款来对抗 FHA 贷款的负面看法，以表明他们对购买房屋的认真态度。</p>
</div><p>Buyers could also schedule a private home inspection with the sellers before submitting an offer so all parties are aware of the property's deficiencies and whether it would pass an FHA appraisal.</p>
<div class="lb-trans"><p>买家还可以在提交报价之前与卖家安排私人房屋检查，以便所有各方都了解房产的缺陷，以及它是否能通过 FHA 评估。</p>
</div><p>Why the Johnsons chose an FHA loan</p>
<div class="lb-trans"><p>约翰逊一家选择 FHA 贷款的原因</p>
</div><p>Back in Milwaukee, an FHA loan worked well for the Johnsons because the loan requirements allowed for a higher debt-to-income ratio, or DTI, which measures how much monthly debt a buyer has compared to their income.</p>
<div class="lb-trans"><p>在密尔沃基，FHA 贷款对约翰逊一家来说效果很好，因为贷款要求允许更高的债务收入比（DTI），即买人的每月债务与其收入的比率。</p>
</div><p>Andrea Johnson runs her own hair salon and her income varies significantly each year, as does her DTI, which proved a challenge when trying to qualify for a conventional mortgage.</p>
<div class="lb-trans"><p>安德烈亚·约翰逊经营着自己的美发沙龙，她的收入每年波动很大，DTI 也随之变化，这在申请传统抵押贷款时造成了挑战。</p>
</div><p>Lenders typically don't want home buyers to have a high DTI. The most common reason that lenders reject a buyer's mortgage application is because of a high debt-to-income ratio, according to an annual report by the National Association of Realtors.</p>
<div class="lb-trans"><p>贷款机构通常不希望购房者的 DTI 过高。根据全国房地产经纪人协会的年度报告，贷款机构拒绝买家抵押贷款申请的最常见原因是高债务收入比。</p>
</div><p>Related: The 5 most common reasons home buyers get rejected for a mortgage</p>
<div class="lb-trans"><p>相关：购房者被拒绝抵押贷款的五个最常见原因</p>
</div><p>Conventional loans which are resold to Fannie Mae only allow buyers' DTI to go up to 50% - meaning that no more than 50% of their gross monthly income should be allocated to their total monthly debt payments, including the new mortgage payment. FHA allows buyers' DTI to go up to 57%.</p>
<div class="lb-trans"><p>传统贷款在转售给房利美时，买家的 DTI 只能达到 50%——这意味着他们的总月债务支付（包括新的抵押贷款支付）不得超过其总月收入的 50%。而 FHA 允许买家的 DTI 达到 57%。</p>
</div><p>After losing offers to other buyers, the Johnsons' real estate agent, Alex Derenne, found her own way to address the FHA loan stigma.</p>
<div class="lb-trans"><p>在与其他买家失去报价后，约翰逊一家的房地产代理亚历克斯·德伦发现了应对 FHA 贷款污名的办法。</p>
</div><p>When touring homes, the agent and the couple started looking for any property defects or issues that could pose a concern for an FHA appraiser. By keeping an eye out for possible concerns that could be a problem during the sale, they were able to address them in their initial offer to the sellers so their purchase agreement would go through smoothly.</p>
<div class="lb-trans"><p>在参观房屋时，代理和这对夫妇开始寻找任何可能对 FHA 评估师构成担忧的房产缺陷或问题。通过关注可能在销售过程中成为问题的潜在担忧，他们能够在最初的报价中解决这些问题，以确保他们的购买协议顺利通过。</p>
</div><p>Derenne noticed some sagging on the roof and worn-out shingles during their first showing at the house the Johnsons ended up buying. She highlighted these to the seller as possible flaws that an FHA inspector would flag. &#34;We were transparent with the seller that we were certain an FHA inspector would not pass the roof in its current state,&#34; she explained, &#34;and were able to negotiate with the seller to replace the roof prior to the closing at the seller's expense.&#34;</p>
<div class="lb-trans"><p>德伦在约翰逊一家最终购买的房子的第一次展示中注意到屋顶有些下垂和磨损的瓦片。她向卖方强调这些可能是 FHA 检查员会标记的缺陷。“我们向卖方坦诚，我们确信 FHA 检查员不会通过目前状态的屋顶，” 她解释道，“并能够与卖方谈判，在交割前由卖方承担更换屋顶的费用。”</p>
</div><p>The Johnsons decided on a four-bedroom, nearly 2,700 square foot home listed at $495,000 and offered $510,000. As the only buyers to place an offer on that house, that helped them gain leverage to negotiate with the seller.</p>
<div class="lb-trans"><p>约翰逊一家决定购买一栋四卧室、近 2700 平方英尺的房子，挂牌价为 495,000 美元，出价 510,000 美元。作为唯一对该房屋出价的买家，这帮助他们在与卖方谈判时获得了优势。</p>
</div><p>Andrea and Mike Johnson closed on the home in early July.</p>
<div class="lb-trans"><p>安德烈亚和迈克·约翰逊在七月初完成了房屋交易。</p>
</div><p>Do you have questions about real estate that you would like to see covered in MarketWatch? We would like to hear from readers. You can write to us at readerstories@marketwatch.com. A reporter may be in touch to learn more. MarketWatch will not attribute your answers to you by name without your permission.</p>
<div class="lb-trans"><p>您是否有关于房地产的问题希望在 MarketWatch 上看到？我们希望听到读者的声音。您可以通过 readerstories@marketwatch.com 与我们联系。记者可能会联系您以了解更多信息。MarketWatch 不会在未经您许可的情况下将您的回答归属到您的名字。</p>
</div><p>-Aarthi Swaminathan</p>
<div class="lb-trans"><p>-阿尔西·斯瓦米纳坦</p>
</div><p>This content was created by MarketWatch, which is operated by Dow Jones &amp; Co. MarketWatch is published independently from Dow Jones Newswires and The Wall Street Journal.</p>
<div class="lb-trans"><p>此内容由 MarketWatch 创建，MarketWatch 由道琼斯公司运营。MarketWatch 独立于道琼斯新闻社和《华尔街日报》出版。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>（结束）道琼斯新闻社</p>
</div><p>12-12-25 1408ET</p>
<div class="lb-trans"><p>12-12-25 1408ET</p>
</div>

越来越多的购房者正在选择这种类型的-2-