<p>FHA 貸款要求對房產進行市場價值評估，評估師還會檢查房屋的特定安全特徵。這是因為這些房產的狀況可能存在合理的擔憂，NewDay USA 的總裁 Neil Brooks 告訴 MarketWatch。Brooks 也是一名房地產代理。</p>
<p>“很多人試圖出售他們的廢物，而 FHA 不希望首次購房者或退伍軍人購買一棟在搬入後可能需要花費大量金錢修繕的房子，” Brooks 説。他補充道，VA 貸款也面臨類似的賣方要求。</p>
<p>其次，FHA 有更嚴格的評估要求，因為政府為抵押貸款提供擔保，並希望確保房產的價值不會被抬高。Vega 表示，如果房屋賣家在 91 天內購買了翻轉的房產，則不能將其出售給 FHA 買家。</p>
<p>考慮到這些附加條件，買家的報價可能會失敗，這意味着賣家需要尋找新的買家。這使得 FHA 貸款在一些賣家看來不那麼有吸引力，費城聯邦儲備銀行的研究人員指出。</p>
<p>但經驗豐富的房地產代理可以繞過這些問題。</p>
<p>如果房產的銷售價格低於評估價值，一些評估師會給賣方代理機會，爭辯為什麼房屋應該被評估得更高，Brooks 説。</p>
<p>他們可能會在完成評估之前聯繫，並要求提供房屋所做改進或升級的清單，以幫助支持這一價值，他説。</p>
<p>買家還可以通過支付更多的首付款來對抗 FHA 貸款的負面看法，以表明他們對購買房屋的認真態度。</p>
<p>買家還可以在提交報價之前與賣家安排私人房屋檢查，以便所有各方都瞭解房產的缺陷，以及它是否能通過 FHA 評估。</p>
<p>約翰遜一家選擇 FHA 貸款的原因</p>
<p>在密爾沃基，FHA 貸款對約翰遜一家來説效果很好，因為貸款要求允許更高的債務收入比（DTI），即買人的每月債務與其收入的比率。</p>
<p>安德烈亞·約翰遜經營着自己的美髮沙龍，她的收入每年波動很大，DTI 也隨之變化，這在申請傳統抵押貸款時造成了挑戰。</p>
<p>貸款機構通常不希望購房者的 DTI 過高。根據全國房地產經紀人協會的年度報告，貸款機構拒絕買家抵押貸款申請的最常見原因是高債務收入比。</p>
<p>相關：購房者被拒絕抵押貸款的五個最常見原因</p>
<p>傳統貸款在轉售給房利美時，買家的 DTI 只能達到 50%——這意味着他們的總月債務支付（包括新的抵押貸款支付）不得超過其總月收入的 50%。而 FHA 允許買家的 DTI 達到 57%。</p>
<p>在與其他買家失去報價後，約翰遜一家的房地產代理亞歷克斯·德倫發現了應對 FHA 貸款污名的辦法。</p>
<p>在參觀房屋時，代理和這對夫婦開始尋找任何可能對 FHA 評估師構成擔憂的房產缺陷或問題。通過關注可能在銷售過程中成為問題的潛在擔憂，他們能夠在最初的報價中解決這些問題，以確保他們的購買協議順利通過。</p>
<p>德倫在約翰遜一家最終購買的房子的第一次展示中注意到屋頂有些下垂和磨損的瓦片。她向賣方強調這些可能是 FHA 檢查員會標記的缺陷。“我們向賣方坦誠，我們確信 FHA 檢查員不會通過目前狀態的屋頂，” 她解釋道，“並能夠與賣方談判，在交割前由賣方承擔更換屋頂的費用。”</p>
<p>約翰遜一家決定購買一棟四卧室、近 2700 平方英尺的房子，掛牌價為 495,000 美元，出價 510,000 美元。作為唯一對該房屋出價的買家，這幫助他們在與賣方談判時獲得了優勢。</p>
<p>安德烈亞和邁克·約翰遜在七月初完成了房屋交易。</p>
<p>您是否有關於房地產的問題希望在 MarketWatch 上看到？我們希望聽到讀者的聲音。您可以通過 readerstories@marketwatch.com 與我們聯繫。記者可能會聯繫您以瞭解更多信息。MarketWatch 不會在未經您許可的情況下將您的回答歸屬到您的名字。</p>
<p>-阿爾西·斯瓦米納坦</p>
<p>此內容由 MarketWatch 創建，MarketWatch 由道瓊斯公司運營。MarketWatch 獨立於道瓊斯新聞社和《華爾街日報》出版。</p>
<p>（結束）道瓊斯新聞社</p>
<p>12-12-25 1408ET</p>

房利美

AOMR

<p>越來越多的購房者選擇 FHA 貸款，儘管評估標準更加嚴格，但其靈活的債務收入比要求吸引了他們。密爾沃基的約翰遜一家選擇了 FHA 貸款，因為其更高的 DTI 容許限度，在代理的幫助下克服了挑戰。FHA 貸款要求進行評估，以確保房產的價值和安全，這對賣家來説存在風險。經驗豐富的代理可以緩解這些問題，正如約翰遜一家在成交前成功談判獲得新屋頂的案例所示</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 貸款要求對房產進行市場價值評估，評估師還會檢查房屋的特定安全特徵。這是因為這些房產的狀況可能存在合理的擔憂，NewDay USA 的總裁 Neil Brooks 告訴 MarketWatch。Brooks 也是一名房地產代理。</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>“很多人試圖出售他們的廢物，而 FHA 不希望首次購房者或退伍軍人購買一棟在搬入後可能需要花費大量金錢修繕的房子，” Brooks 説。他補充道，VA 貸款也面臨類似的賣方要求。</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 有更嚴格的評估要求，因為政府為抵押貸款提供擔保，並希望確保房產的價值不會被抬高。Vega 表示，如果房屋賣家在 91 天內購買了翻轉的房產，則不能將其出售給 FHA 買家。</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>考慮到這些附加條件，買家的報價可能會失敗，這意味着賣家需要尋找新的買家。這使得 FHA 貸款在一些賣家看來不那麼有吸引力，費城聯邦儲備銀行的研究人員指出。</p>
</div><p>But experienced real-estate agents can work around these issues.</p>
<div class="lb-trans"><p>但經驗豐富的房地產代理可以繞過這些問題。</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>如果房產的銷售價格低於評估價值，一些評估師會給賣方代理機會，爭辯為什麼房屋應該被評估得更高，Brooks 説。</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>他們可能會在完成評估之前聯繫，並要求提供房屋所做改進或升級的清單，以幫助支持這一價值，他説。</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>買家還可以通過支付更多的首付款來對抗 FHA 貸款的負面看法，以表明他們對購買房屋的認真態度。</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>買家還可以在提交報價之前與賣家安排私人房屋檢查，以便所有各方都瞭解房產的缺陷，以及它是否能通過 FHA 評估。</p>
</div><p>Why the Johnsons chose an FHA loan</p>
<div class="lb-trans"><p>約翰遜一家選擇 FHA 貸款的原因</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>在密爾沃基，FHA 貸款對約翰遜一家來説效果很好，因為貸款要求允許更高的債務收入比（DTI），即買人的每月債務與其收入的比率。</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>安德烈亞·約翰遜經營着自己的美髮沙龍，她的收入每年波動很大，DTI 也隨之變化，這在申請傳統抵押貸款時造成了挑戰。</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>貸款機構通常不希望購房者的 DTI 過高。根據全國房地產經紀人協會的年度報告，貸款機構拒絕買家抵押貸款申請的最常見原因是高債務收入比。</p>
</div><p>Related: The 5 most common reasons home buyers get rejected for a mortgage</p>
<div class="lb-trans"><p>相關：購房者被拒絕抵押貸款的五個最常見原因</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>傳統貸款在轉售給房利美時，買家的 DTI 只能達到 50%——這意味着他們的總月債務支付（包括新的抵押貸款支付）不得超過其總月收入的 50%。而 FHA 允許買家的 DTI 達到 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>在與其他買家失去報價後，約翰遜一家的房地產代理亞歷克斯·德倫發現了應對 FHA 貸款污名的辦法。</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>在參觀房屋時，代理和這對夫婦開始尋找任何可能對 FHA 評估師構成擔憂的房產缺陷或問題。通過關注可能在銷售過程中成為問題的潛在擔憂，他們能夠在最初的報價中解決這些問題，以確保他們的購買協議順利通過。</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>德倫在約翰遜一家最終購買的房子的第一次展示中注意到屋頂有些下垂和磨損的瓦片。她向賣方強調這些可能是 FHA 檢查員會標記的缺陷。“我們向賣方坦誠，我們確信 FHA 檢查員不會通過目前狀態的屋頂，” 她解釋道，“並能夠與賣方談判，在交割前由賣方承擔更換屋頂的費用。”</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>約翰遜一家決定購買一棟四卧室、近 2700 平方英尺的房子，掛牌價為 495,000 美元，出價 510,000 美元。作為唯一對該房屋出價的買家，這幫助他們在與賣方談判時獲得了優勢。</p>
</div><p>Andrea and Mike Johnson closed on the home in early July.</p>
<div class="lb-trans"><p>安德烈亞和邁克·約翰遜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>您是否有關於房地產的問題希望在 MarketWatch 上看到？我們希望聽到讀者的聲音。您可以通過 readerstories@marketwatch.com 與我們聯繫。記者可能會聯繫您以瞭解更多信息。MarketWatch 不會在未經您許可的情況下將您的回答歸屬到您的名字。</p>
</div><p>-Aarthi Swaminathan</p>
<div class="lb-trans"><p>-阿爾西·斯瓦米納坦</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>此內容由 MarketWatch 創建，MarketWatch 由道瓊斯公司運營。MarketWatch 獨立於道瓊斯新聞社和《華爾街日報》出版。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>（結束）道瓊斯新聞社</p>
</div><p>12-12-25 1408ET</p>
<div class="lb-trans"><p>12-12-25 1408ET</p>
</div>

越來越多的購房者正在選擇這種類型的-2-