Rauf Majidian

08/24/2022

🇺🇸 My recent interview in Tajik language with Shodmon Dilshod شادمان دلشاد for Your.tj on mortgage Programs for Foreign Nationals buying homes in the U.S.

🇹🇯 Мусоҳибаамон бо Шодмон Дилшод شادمان دلشاد барои Your.tj оид ба барномаҳои ипотека барои шаҳрвандони хориҷӣ, ки дар ИМА хона мехаранд.

Барои шахсоне, ки “Грин карта” бурд кардаанд ё онҳое, ки иҷозаи кор дар Амрикоро доранд, фоизи минималии пешпардохти ипотека 3% аст.

05/03/2022

All right you Peaches and Crabs, I'm now an officially licensed mortgage loan originator in Georgia and Maryland in addition to those other 8 :)

Hit me up at 646.597.1409

04/21/2022

Things I have never seen in housing market before:

House hunting has become a part time job for home buyers now.

Been seeing more and more Purchase and Sale contracts specifically requested closing dates to be as far as 3 months out.

Rates have gone up so fast within such a short period of time.

If you are in the market to purchase a house - don’t get discouraged!
Keep looking. Check in regularly with your loan officer to see where the rates are. You WILL find a home!

Any questions, just ask. 646.597.1409

I’m currently licensed in following states: MA, CA, CT, NY, NJ, PA, VA, FL

01/23/2022

AQSH’da uy-joy olish qadamlari, ipoteka (mortgage) va 2022 yilida nimalardi kutish haqida:
AQSH’da umumiy hisobda uydi xaridorlar ipoteka bilan olishadi. Uy-joy olish uchun birinchi qadam bank xodimi (loan officer) va yo ipoteka brokeridan (men kabi) barcha kerakli hujjatlardi ko’rsatib oldindan tasdiqlangan muayyan bir miqdorgacha xat olishingiz kerak.
Ikkinchi qadam – Maqsaddingizga olgan mahalladan realtor topish. Realtor’lar sizdi qurbingiz yeta olganicha deb oldindan tasdiqlangan xatni istashadi. Ilk konsultatsiyada sizga muhim bo’lgan kriteriyalardi tinglab ushanga nisbat uy joy qidirishadi.
Albatta ki AQSH’daki Uzbeklar nufusi ko’paygani uchun ham Uzbek Realtor mutaxassislarimiz ham ko’pdir.
Agar savollaringiz paydo bo’lsa bir nechta Uzbek Realtor’lar ruyxati:

Tim Rakhimov: Uy-joy investori, General Contractor va Realtor bo’lgan do’stimiz. Birinchi marta uy olish va investor’larning eng sevimli bo’lgan realtor’i. General Contractor ham bo’lganlari uchun 20 yil oldin uy olgan amakingizning uy-joydan tushungan tajribalariga muhtoj qolmaysiz :) Uy joy (Real estate) investorlari esa har doim uy ta’miri uchun kerakli miqdordi taxmin qilib utirishmaydi.

Nargiza Masharipova: Uzun yillardir shu sohadalar. Har turli xaridorga tajribalari foyda beradi!

Tavsiyalari va xizmatlari uchun yozgangiz ishonaman yordam beradilar.

Albat men tanimagan Realtor'lar ham
bo’lishi mumkin. Xizmatlari yaxshi bo’lgan Realtor do’stlarimiz bo’lsa, iltimos xabar bering ki ruyxatimga
qo’shay.

Realtor bilan bir’ga ko’nglingizdaki uydi topib, aniq miqdor’ga taklif berasiz. Agar sotuvchilar qabul
qilishsa… (tabrik!)

Uchinchi qadam: Ipoteka process’I boshlanadi. Uy narxlanadi, siz tanlagan title shirkati va uy joy bilan shugullangan advokatingiz uy dalolatnomalari tarixini tekshirib chiqib, sizdi otingizga o’tkazish uchun kerakli hujjatlardi tayorlaydi.. va hamma ipoteka uchun keraklik hujjatlar topshilib tasdiqlangan so’ng, bank ishchisi (underwriter) so’ralgan miqdordaki ipotekani beramiz deb ijozat beradi.

Oxiringgi qadam: Closing kuni – barcha ipoteka hujjatlariga imzo qilib, uy egaligini sizdi otingizga o’tkaziladi.

2022’dagi taxminlarim:

- O’rtalama uy narxlari katta shahrlarda 10% va maydaroq shahrlarda 15% foiz atrofida o’sadi. Sotilaydigan uy soni kam, va talab haddan ko’p. Kelajak 2-3 yil faqat uy narxlari ko’tarilish taxmini bor !
- Xaridorlar uchun ipoteka foizi ko’tariladi
- Federal Reserve fund’s rate’ining yaqinda ko’tarilib boshlagani uchun, mushtarilarga bergan foizlar ham ko’tarilib boshladi. Sabab: Fed’ning Inflyatsiyaga qarshi kurashish yo’li.

Agar shu yil uy olish fikrida bo’lsangiz, kutishni hech tavsiya qilmayman. 2022 yilining ilk uch choryakida ipoteka foizlari ko’tariladi, va uy narxlari ko’tariladi. Kutish faqat zararingizga ishlaydi.

Tushunaman ki har kishining ishi va oyliki AQSH sistemisga ko’ra noyobdir. Agar ipoteka uchun savollaringiz bo’lsa marhamat qilib yozing yoki tel qiling. 646.597.1409

Bor bo’ling!

01/22/2022

Тахмини 2022 барои нархҳои хонаҳои single family дар ИМА.

Нархи миенаи хонаҳо дар ИМА барои ‘single family homes’ дар атрофи понздаҳ фоиз боло меравад.
Моҳи декабри 2021 Inflation атрофи 6.9% ба расид. Federal Reserve якчанд силоҳ дорад барои поен бурдани inflation: Хариди Bond’ҳо ва mortgage backed securities’ро вақти кӯтоҳ ба манъ карда, фоизи қарздиҳияшро бардоштан. Аллакай дида мешавад ки таъсири қарори додаи Federal reserve ba stock market va фоизи mortgage’ho ba харидорон расида аст.

Агар ягон намуди нави Covid омада, такрор халқро ба quarantine равон карда иқтисоди ИМА ба таъсир нарасонад, тахмин чунин аст:
- нархи хонаҳо дар шаҳрҳои калон аз 10% боло ва дар дигар ҷойҳо ба ҳисоби миена 15% боло меравад.
- дар аввалин се чаҳоряки 2022 фоизи mortgage боло меравад

Агар имсол дар фикри хонахарӣ бошед, “кризис”ро интизор нашавед ! 🙂 Ҳам нархи хона ва ҳам фоизи mortgage боло меравад. Интизори “дертар мегирем” танҳо ба зараратон мешавад.

Якчанд риелторҳои Тоҷик дорем ки мутахассиси хуби ин соҳаанд. Метавонед тавсияшонро гиред:
Manu Max Sharipov
Parviz Latipzoda
Invest SELL BUY with Nighina

Агар саволе оиди mortgage дошта бошед, марҳамат карда занг занед. 646.597.1409

01/22/2022

Nice read about why home prices are surging. Demand is high, and the inventory is low.

Yes, interest rates have been going up and up since 12.29.2021 but that doesn't do much impact on the demand side of the market at least for the next 2 - 3 years. If you are in the market, you shouldn't get discouraged. You will find that nice house!

Waiting is your enemy in this type of market. Both rates and the home prices will keep going up.

Should you have any questions, let's connect: 646.597.1409

There appears to be no quick reprieve coming for rising prices: “It’s not a bubble, it really is about the fundamentals.”

07/22/2021

Headline caught my attention but the article itself sounds like pushing government loans compared to conventional loan. There is no right or wrong mortgage option. Each scenario is different.

What is getting harder is getting approved for the mortgage amount you need to be able to afford "normal sized home" in this market and winning the bidding wars by offering over the asking price, waiving multiple inspections. The median existing home price increased by 23.4% from a year ago to $363,000.

Couple helpful tips off of issues that have been coming up a lot more lately on my initial consultations:

- Keep your consumer debt as low as possible - that will help with your debt to income ratio, and should help with your credit too.
- Monitor your credit and satisfy derogatory items before applying
- Save up as much as possible
- You can not use mattress money. Deposit it properly so that it is source-able.
- I don't think that the housing market is in bubble. I heard it last year, and the same people who didn't want to buy are regretting now because their rents went up and they lost out on building some equity. Don't let that stop you!

Let's prequalify you and guide you with your home purchase.

C # 646-597-1409

Mortgage credit availability is at its lowest point since September 2020.

07/21/2021

Nice read. What is missing is the cash buyers data. I don't know where to look into that data either :) If we only consider mortgage transactions, housing market will look like it is losing steam but a lot more people are buying cash to beat the competition. If we add all cash buyers into this data, housing is nowhere near slowing down yet..

Maybe end of fall as (pre-covid) usual?

Mortgage applications for new home purchases decreased 3% from May and 23.8% year over year, suggesting buyer fatigue in the housing market.

07/19/2021

The Federal Housing Finance Agency (FHFA) is officially removing Freddie Mac and Fannie Mae’s controversial adverse market refinance fee of 50 basis points. (0.50% of the loan amount!) Multiply 0.50% with your current loan amount, you will see why it was controversial and consumers are the ones who were paying for it through higher rate.

Starting in August, lenders will no longer be required to pay the government sponsored enterprises (GSEs) a fee of 50 basis points when they deliver refinanced mortgages.

Also today: the 10 Year treasury yields are down, and the mortgage backed securities are up which means mortgage interest rates to consumers are lower.

If you have been holding off on refinancing your mortgage, today is a good to act on it!