{"id":85,"date":"2021-01-07T09:37:50","date_gmt":"2021-01-07T17:37:50","guid":{"rendered":"https:\/\/washingtonhome.wpengine.com\/?page_id=85"},"modified":"2026-06-02T16:20:08","modified_gmt":"2026-06-02T23:20:08","slug":"for-homebuyers","status":"publish","type":"page","link":"https:\/\/www.homeownership-wa.org\/bs\/for-homebuyers\/","title":{"rendered":"Za kupce nekretnina"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div data-parent=\"true\" class=\"vc_row row-container\" id=\"row-unique-0\"><div class=\"row-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2021\/01\/buying-a-home-e1785251428924.jpg);background-repeat: no-repeat;background-position: center center;background-attachment: scroll;background-size: cover;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"block-bg-overlay style-color-1b1d1f-bg\" style=\"opacity: 0.7;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"row triple-top-padding triple-bottom-padding single-h-padding limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_center column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-spec style-dark\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_center column_child col-lg-12 single-internal-gutter\"><div class=\"uncol style-spec style-dark\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" style=\" max-width:696px;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h1 class=\"font-635512 h1 fontspace-994669 font-weight-600\" ><span>Kupovina ku\u0107e<\/span><\/h1><div><p>Dakle, \u017eelite kupiti ku\u0107u! WHRC vam mo\u017ee pomo\u0107i da se sna\u0111ete u ovom uzbudljivom, kompliciranom, a ponekad i ogromnom procesu.<\/p>\n<\/div><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row inverted-device-order style-color-ffffff-bg row-internal row-container\"><div class=\"row unequal col-no-gutter row-child\" data-height=\"70\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell double-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"h4 fontheight-506459 font-weight-600 text-accent-color\" ><span>Va\u0161 dom \u0107e vjerovatno biti najve\u0107a kupovina koju \u0107ete ikada obaviti, a biti pametan potro\u0161a\u010d mo\u017ee zna\u010diti u\u0161tede u hiljadama dolara - mo\u017eda i u desetinama hiljada dolara.<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>Poziv WHRC-u povezat \u0107e vas sa savjetovali\u0161tem za kupovinu stambenog prostora prije kupovine, sa te\u010dajevima obrazovanja za kupce ku\u0107e, programima pomo\u0107i pri kaparama i alternativnim modelima vlasni\u0161tva nad ku\u0107ama, poput povjerenja u zemlji\u0161te u zajednici i samopomo\u0107i (mislite na Habitat for Humanity). WHRC pru\u017ea informacije i izvore prilago\u0111ene va\u0161oj lokaciji, prihodu i posebnim potrebama.<\/p>\n<\/div><div class=\"uncode_text_column\" ><p><strong>Tu smo da vas osna\u017eimo znanjem i alatima koji su vam potrebni za ostvarenje va\u0161ih snova o vlasni\u0161tvu nad stanom.<\/strong><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-bottom pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\" style=\"min-height: 60vh;\"><div class=\"uncell single-block-padding\" ><div class=\"column-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_AdobeStock_188343173-scaled.jpeg);background-repeat: no-repeat;background-position: center bottom;background-size: cover;\" data-o_src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_AdobeStock_188343173-scaled.jpeg\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"uncont\" ><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-0\" data-row=\"script-row-unique-0\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-0\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-165755-bg row-container\" id=\"row-unique-2\"><div class=\"row-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2023\/08\/WHRC_Seamless_FPO_white.png);background-repeat: no-repeat;background-position: center top;background-attachment: scroll;background-size: cover;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"block-bg-overlay style-color-165755-bg\" style=\"opacity: 0.91;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"row unequal col-half-gutter single-top-padding single-bottom-padding quad-h-padding full-width row-parent\" data-height-ratio=\"25\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-left align_left column_parent col-lg-6 half-internal-gutter\"><div class=\"uncol style-spec style-dark\" style=\"max-width:80%; margin-left:auto; margin-right:auto;\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" style=\" max-width:90%;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h4 class=\"font-635512 h5 fontspace-177060 font-weight-600 text-color-ffffff-color text-uppercase\" ><span>Treba li vam pomo\u0107 sada?<\/span><\/h4><div class=\"text-top-reduced\"><p>Call our hotline number or fill out a message form to contact us. Free interpretation services are available by phone in over 220 languages.<\/p>\n<\/div><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-middle pos-center align_center column_parent col-lg-3 no-internal-gutter\"><div class=\"uncol style-spec style-dark\" style=\"max-width:80%; margin-left:auto; margin-right:auto;\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container btn-block\" ><a role=\"button\"  href=\"tel:877-894-4663\" class=\"custom-link btn btn-custom-typo font-635512 font-weight-600 text-uppercase fontspace-177060 border-width-0 btn-color-1b1d1f btn-flat btn-block btn-icon-left\" title=\"Pozovite WHRC Hotline\"><i class=\"fa fa-phone\"><\/i>Call 877-894-4663<\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-middle pos-left align_center column_parent col-lg-3 single-internal-gutter\"><div class=\"uncol style-light\" style=\"max-width:80%; margin-left:auto; margin-right:auto;\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><span class=\"btn-container btn-block\" ><a role=\"button\"  href=\"https:\/\/form.jotform.com\/221147626100039\" class=\"custom-link btn btn-custom-typo font-635512 font-weight-600 text-uppercase fontspace-177060 border-width-0 btn-color-1b1d1f btn-flat btn-block btn-icon-left\" title=\"Po\u0161aljite nam poruku\"><i class=\"fa fa-envelope3\"><\/i>Po\u0161aljite nam poruku<\/a><\/span><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-2\" data-row=\"script-row-unique-2\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-2\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row row-container\" id=\"row-unique-3\"><div class=\"row triple-top-padding triple-bottom-padding quad-h-padding full-width row-parent\" data-height-ratio=\"35\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container\"><div class=\"row unequal col-double-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 half-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><a class=\"single-media-link\" href=\"https:\/\/www.homeownership-wa.org\/bs\/homebuyers-journey\/\" target=\"_blank\" title=\"Mapa putovanja kupca nekretnine\"><div class=\"uncode-single-media-wrapper\"><img decoding=\"async\" class=\"uncode-missing-media\" src=\"https:\/\/via.placeholder.com\/500x500.png?text=media+not+available&amp;w=500&amp;h=500\" \/><\/div><\/a><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h6 class=\"fontsize-503545 fontspace-177060 text-color-777777-color text-uppercase\" ><span>Mapa putovanja za kupce nekretnina<\/span><\/h6><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"h5 fontheight-506459\" ><span><a href=\"https:\/\/www.homeownership-wa.org\/bs\/homebuyers-journey\/\" target=\"_blank\" rel=\"noopener\">10 koraka za snala\u017eenje u procesu vlasni\u0161tva nad domom.<\/a><\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/bs\/homebuyers-journey\/\" class=\"custom-link btn-custom-typo font-413692 font-weight-600 text-initial no-letterspace border-width-0 text-color-4169e1-color btn-icon-right\" title=\"Mapa putovanja kupca nekretnine\" target=\"_blank\">Zapo\u010dnite svoje putovanje<i class=\"fa fa-chevron-right3\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 half-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><a class=\"single-media-link\" href=\"https:\/\/www.homeownership-wa.org\/bs\/for-homebuyers\/#info-sessions\" title=\"Za kupce nekretnina\"><div class=\"tmb tmb-light  tmb-img-ratio tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><div class=\"dummy\" style=\"padding-top: 66.7%;\"><\/div><img decoding=\"async\" class=\"wp-image-1023\" src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm.jpg\" width=\"1400\" height=\"934\" alt=\"Man sitting on the floor with his dog and laptop.\" srcset=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm.jpg 1400w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-300x200.jpg 300w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-1024x683.jpg 1024w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-768x512.jpg 768w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-18x12.jpg 18w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-350x234.jpg 350w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/a><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h6 class=\"fontsize-503545 fontspace-177060 text-color-777777-color text-uppercase\" ><span>INFORMATIVNE SESIJE ZA KUPCE NEKRETNINA<\/span><\/h6><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"h5 fontheight-506459\" ><span><a href=\"https:\/\/www.homeownership-wa.org\/bs\/for-homebuyers\/#info-sessions\">Prisustvujte virtuelnoj informativnoj sesiji za kupce nekretnina.<\/a><\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/bs\/for-homebuyers\/#info-sessions\" class=\"custom-link btn-custom-typo font-413692 font-weight-600 text-initial no-letterspace border-width-0 text-color-4169e1-color btn-icon-right\" title=\"Informacije o kupcu ku\u0107e\">Registrujte se danas<i class=\"fa fa-chevron-right3\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 half-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><a class=\"single-media-link\" href=\"https:\/\/www.homeownership-wa.org\/bs\/bhi\/\" target=\"_blank\" title=\"Black Home Initiative\"><div class=\"tmb tmb-light  tmb-img-ratio tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><div class=\"dummy\" style=\"padding-top: 66.7%;\"><\/div><img decoding=\"async\" class=\"wp-image-348\" src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2023\/04\/BHI-Family-on-porch_6-5-uai-2190x1460.jpg\" width=\"2190\" height=\"1460\" alt=\"A Black father and mother holding their young son and daughter while smiling as they sit down in front of a home.\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/a><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h6 class=\"fontsize-503545 fontspace-177060 text-color-777777-color text-uppercase\" ><span>Black Home Initiative<\/span><\/h6><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"h5 fontheight-506459\" ><span><a href=\"https:\/\/www.homeownership-wa.org\/bs\/bhi\/\" target=\"_blank\" rel=\"noopener\">Zatvaranje rasne podjele u bogatstvu kroz vlasni\u0161tvo nad ku\u0107om.<\/a><\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/bs\/bhi\/\" class=\"custom-link btn-custom-typo font-413692 font-weight-600 text-initial no-letterspace border-width-0 text-color-4169e1-color btn-icon-right\" title=\"Black Home Initiative\" target=\"_blank\">Saznajte vi\u0161e<i class=\"fa fa-chevron-right3\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-3 half-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><a class=\"single-media-link\" href=\"https:\/\/www.homeownership-wa.org\/bs\/covenant-homeownership-program\/\" target=\"_blank\" title=\"Covenant Homeownership Program\"><div class=\"tmb tmb-light  tmb-img-ratio tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><div class=\"dummy\" style=\"padding-top: 66.6%;\"><\/div><img decoding=\"async\" class=\"wp-image-1022\" src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1385031185_sm-uai-1400x933.jpg\" width=\"1400\" height=\"933\" alt=\"A young girl smiling with her grandparents\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/a><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h6 class=\"fontsize-503545 fontspace-177060 text-color-777777-color text-uppercase\" ><span>Covenant Homeownership Program<\/span><\/h6><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"h5 fontheight-506459\" ><span><a href=\"https:\/\/www.homeownership-wa.org\/bs\/covenant-homeownership-program\/\" target=\"_blank\" rel=\"noopener\">Trebate li pomo\u0107 s uplatom akontacije? Provjerite ispunjavate li uslove.<\/a><\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/bs\/covenant-homeownership-program\/\" class=\"custom-link btn-custom-typo font-413692 font-weight-600 text-initial no-letterspace border-width-0 text-color-4169e1-color btn-icon-right\" title=\"Covenant Homeownership Program\" target=\"_blank\">Saznajte vi\u0161e<i class=\"fa fa-chevron-right3\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-3\" data-row=\"script-row-unique-3\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-3\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-646393-bg row-container onepage-section\" data-label=\"info-sessions\" data-name=\"info-sessions\" id=\"row-unique-4\"><div class=\"row full-width row-parent\" data-height-ratio=\"60\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container\"><div class=\"row unequal col-double-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><div class=\"tmb tmb-light  tmb-img-ratio tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><div class=\"dummy\" style=\"padding-top: 66.7%;\"><\/div><img decoding=\"async\" class=\"wp-image-1023\" src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm.jpg\" width=\"1400\" height=\"934\" alt=\"Man sitting on the floor with his dog and laptop.\" srcset=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm.jpg 1400w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-300x200.jpg 300w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-1024x683.jpg 1024w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-768x512.jpg 768w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-18x12.jpg 18w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2024\/07\/WHRC_STANDARD-LICENCE_iStock-1397373682_sm-350x234.jpg 350w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-middle pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" style=\" max-width:80%;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h2\" ><span>Informacije o kupcu ku\u0107e<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>Zainteresovani ste za kupovinu ku\u0107e? Niste sigurni odakle po\u010deti? Pridru\u017eite se WHRC-u za virtuelne informacije i sesiju pitanja i odgovora u\u017eivo. Dijelimo pregled resursa dostupnih za kupce ku\u0107a u Washingtonu i kako mo\u017eete zapo\u010deti na svom putu vlasni\u0161tva nad ku\u0107om.<\/p>\n<\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/us06web.zoom.us\/meeting\/register\/tZYvcOqhqDwuH922BhT8WgY7aSoWr2cm5SeA\" class=\"custom-link btn border-width-0 btn-default btn-icon-right\" title=\"Prijavite se za info sesiju\" target=\"_blank\">REGISTRUJTE SE DANAS<i class=\"fa fa-external-link\"><\/i><\/a><\/span><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/us06web.zoom.us\/meeting\/register\/tZEud-mtqD0vGNZ0PBTpjkark4loxbRiYUKx#\/registration\" class=\"custom-link btn border-width-0 btn-default btn-outline btn-icon-right\" title=\"Prijavite se za info sesiju\" target=\"_blank\">Reg\u00edstrese Hoy<i class=\"fa fa-external-link\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-4\" data-row=\"script-row-unique-4\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-4\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-208545-bg row-container\" id=\"row-unique-5\"><div class=\"row unequal single-top-padding single-bottom-padding single-h-padding full-width row-parent\" data-height-ratio=\"74\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_left column_parent col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell single-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h2\" ><span>Looking for help with your down payment or closing costs?<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p><a href=\"https:\/\/downpaymentresource.com\/are-you-eligible\/\">Down Payment Resource<\/a> connects you with programs that can make homeownership more affordable. In just a few minutes, you can explore grants, assistance programs, and other resources available where you live. Click below to see what options may be available to you.<\/p>\n<\/div><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 40%;\"><div class=\"tmb tmb-light  tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper\"><img decoding=\"async\" class=\"wp-image-2138\" src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2026\/03\/DPR-Logo.png\" width=\"579\" height=\"135\" alt=\"\" srcset=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2026\/03\/DPR-Logo.png 579w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2026\/03\/DPR-Logo-300x70.png 300w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2026\/03\/DPR-Logo-18x4.png 18w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2026\/03\/DPR-Logo-350x82.png 350w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2026\/03\/DPR-Logo-280x65.png 280w\" sizes=\"(max-width: 579px) 100vw, 579px\" \/><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/downpaymentresource.com\/are-you-eligible\/\" class=\"custom-link btn border-width-0 btn-default btn-icon-left\" title=\"FIND DOWN PAYMENT HELP\" target=\"_blank\">FIND DOWN PAYMENT HELP<\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-middle pos-center align_left column_parent col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell single-block-padding\" ><div class=\"column-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2026\/03\/DPR-Hero-Image.png);background-repeat: no-repeat;background-position: center center;background-size: cover;\" data-o_src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2026\/03\/DPR-Hero-Image.png\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"uncont\" ><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-5\" data-row=\"script-row-unique-5\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-5\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-194476-bg row-container\" id=\"row-unique-7\"><div class=\"row-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2025\/05\/Journey-Overview-p2.png);background-repeat: no-repeat;background-position: center center;background-attachment: scroll;background-size: cover;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"block-bg-overlay style-color-194476-bg\" style=\"opacity: 0.8;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"row quad-top-padding quad-bottom-padding triple-h-padding full-width row-parent\" data-height-ratio=\"50\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_left column_parent col-lg-8 single-internal-gutter\"><div class=\"uncol style-spec style-dark\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" style=\" max-width:900px;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"h2\" ><span>Connect With a Pre-Vetted Lending or Real Estate Partner<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column text-lead\" ><p>Our list of professionals have been vetted through our Referral Partner Onboarding Process. Explore and find the provider that fits your needs.<\/p>\n<\/div><div class=\"empty-space empty-single\" ><span class=\"empty-space-inner\"><\/span><\/div>\n<span class=\"btn-container btn-inline\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/bs\/vetted-lending-and-real-estate-referral-partner-directory\/\" class=\"custom-link btn border-width-0 btn-default btn-outline btn-icon-right\" title=\"Vetted Lending and Real Estate Referral Partner Directory\" target=\"_blank\">Go to Directory<i class=\"fa fa-external-link\"><\/i><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-4 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" style=\" max-width:80%;\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 75%;\"><div class=\"tmb tmb-light  img-circle tmb-img-ratio tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper img-circle\"><div class=\"dummy\" style=\"padding-top: 100%;\"><\/div><img decoding=\"async\" class=\"wp-image-1391\" src=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2025\/03\/test_white_2.png\" width=\"354\" height=\"354\" alt=\"\" srcset=\"https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2025\/03\/test_white_2.png 354w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2025\/03\/test_white_2-300x300.png 300w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2025\/03\/test_white_2-150x150.png 150w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2025\/03\/test_white_2-12x12.png 12w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2025\/03\/test_white_2-350x350.png 350w, https:\/\/www.homeownership-wa.org\/wp-content\/uploads\/2025\/03\/test_white_2-348x348.png 348w\" sizes=\"(max-width: 354px) 100vw, 354px\" \/><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-7\" data-row=\"script-row-unique-7\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-7\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row row-container\" id=\"row-unique-8\"><div class=\"row double-top-padding double-bottom-padding single-h-padding limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-left align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell\" ><div class=\"uncont no-block-padding col-custom-width\" style=\" max-width:85%;\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"h4 fontspace-177060 text-uppercase\" ><span>\u010cesto Postavljena Pitanja<\/span><\/h3><div><p>Kliknite na svako pitanje da biste saznali vi\u0161e o kupovini ku\u0107e<\/p>\n<\/div><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode-accordion wpb_accordion wpb_content_element  sign-size-rg w-border\" data-collapsible=\"no\" data-target=\"\" data-active-tab=\"0\" >\n\t\t<div class=\"panel-group wpb_wrapper wpb_accordion_wrapper\" id=\"accordion_1748763640\" data-no-toggle=\"\">\n\n<div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1748763640\" href=\"#1609175727-1-481746830086301\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>\u0160ta je obrazovanje za kupce ku\u0107e i za\u0161to mi je potrebno?<\/span><\/a><\/p><\/div><div data-id=\"1609175727-1-481746830086301\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Obrazovni \u010das kupac je internetski ili li\u010dni \u010das koji mo\u017eete poha\u0111ati kako biste bolje razumjeli proces pronalaska, kupovine i posjedovanja ku\u0107e. Obrazovanje za kupce ku\u0107e mo\u017ee biti zahtjev va\u0161eg hipotekarnog zajmodavca ili programa koji vam nudi predujam ili drugu pomo\u0107 kupcu. \u010cak i ako od vas nije potrebno da zavr\u0161ite obrazovanje za kupce ku\u0107e, poha\u0111anje nastave \u0107e vam pojasniti proces kupovine ku\u0107e i pru\u017eiti vam priliku da postavite sva pitanja koja imate.<\/p>\n<p>Najrasprostranjenije \u010dasove sponzorira Komisija za stambene finansije dr\u017eave Washington, a dostupni su u bibliotekama \u0161irom dr\u017eave, kao i na internetu. U trajanju od pet sati, predavanje Komisije dr\u017ee nekretnine, neprofitne organizacije i zajmodavci koji rade u partnerstvu kako bi vam donijeli detaljan, neutralan nastavni plan i program. Ako radite s odre\u0111enom neprofitnom agencijom za kupovinu ku\u0107e, ta agencija mo\u017ee zahtijevati klasu Komisije, zamijeniti je ili je nadopuniti vlastitom klasom ili nizom klasa. Nakon poha\u0111anja nastave dobit \u0107ete potvrdu o zavr\u0161enom te\u010daju. Kliknite <a href=\"http:\/\/wshfc.org\/buyers\/schedule.htm\">ovdje<\/a> kako biste prona\u0161li razred za obrazovanje kupac u va\u0161em podru\u010dju ili nazovite hitnu liniju WHRC -a.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1748763640\" href=\"#1746830354402-1-1\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Koja je razlika izme\u0111u obrazovanja za kupce ku\u0107e i savjetovanja prije kupovine?<\/span><\/a><\/p><\/div><div data-id=\"1746830354402-1-1\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Obrazovanje za kupce ku\u0107e i savjetovanje prije kupnje slu\u017ee sli\u010dnoj svrsi, ali nisu ista usluga. Dok \u010dasovi kupca ku\u0107e pru\u017eaju op\u0107e informacije u grupnom okru\u017eenju, savjetovanje prije kupovine nudi individualne smjernice prilago\u0111ene va\u0161oj specifi\u010dnoj situaciji. Kupci ku\u0107e obi\u010dno pla\u0107aju naknadu za ovu uslugu, iako neki programi pomo\u0107i kupcima ku\u0107a nude besplatno savjetovanje prije kupovine kao dio uslova za u\u010de\u0161\u0107e u njihovom programu. Na savjetovanju prije kupovine savjetnik \u0107e izvu\u0107i i pregledati va\u0161 kredit i ispitati ku\u0107ni bud\u017eet, ponuditi informacije o razli\u010ditim vrstama kreditnih proizvoda i preporu\u010diti daljnje korake za rje\u0161avanje potencijalnih prepreka i nastaviti vas prema cilju.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1748763640\" href=\"#1746830702519-2-4\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Kako da izaberem hipotekarnog zajmodavca?<\/span><\/a><\/p><\/div><div data-id=\"1746830702519-2-4\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Odabir hipotekarnog zajmodavca va\u017ena je odluka, a selektivnost vam mo\u017ee u\u0161tedjeti tisu\u0107e dolara tijekom trajanja va\u0161eg kredita. Budu\u0107i da zajmodavci imaju fleksibilnost u pogledu stopa koje nude, mo\u017eda ne\u0107ete htjeti uzeti prvu stopu koja vam je ponu\u0111ena. Niska stopa, me\u0111utim, nije jedino \u0161to se uzima u obzir pri odabiru zajmodavca, pa vas poti\u010demo da uzmete u obzir sljede\u0107e to\u010dke:<\/p>\n<ol>\n<li>Je li hipotekarni zajmodavac upu\u0107en u programe predujma u Washingtonu i imaju li iskustva u pomaganju klijentima pri kori\u0161tenju pomo\u0107i pri kupnji ku\u0107e?<\/li>\n<li>Osje\u0107ate li se ugodno razgovarati s njima i postavljati pitanja? Kupovina ku\u0107e, posebno kao prvi kupac ku\u0107e, mo\u017ee biti te\u017eak proces i va\u017eno je da va\u0161 zajmodavac mo\u017ee odgovoriti na va\u0161a pitanja.<\/li>\n<li>Mo\u017ee li zajmodavac dati razli\u010dite vrste kredita, uklju\u010duju\u0107i konvencionalne, VA, FHA i USDA kredite?<\/li>\n<\/ol>\n<p>WHRC vodi imenik provjerenih profesionalaca za hipotekarne kredite koji imaju dozvolu za rad u Washingtonu. Iako provjeravamo vjerodajnice kako bismo osigurali da ispunjavaju zahtjeve za licenciranje i obavezujemo se na po\u0161tovanje na\u0161ih vrijednosti Equity in Homeownership, uklju\u010divanje u ovaj direktorij nije odobrenje bilo kojeg odre\u0111enog zajmodavca ili stru\u010dnjaka. Ako ste zainteresirani za preporuke provjerenim zajmodavcima, kontaktirajte na\u0161u telefonsku liniju ili nam po\u0161aljite e-po\u0161tu na <a href=\"mailto:info@homeownership-wa.org\">info@homeownership-wa.org<\/a>. To view the directory click on the button below.<\/p>\n<\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/bs\/vetted-lending-and-real-estate-referral-partner-directory\/#lending-partners\" class=\"custom-link btn border-width-0 btn-accent btn-icon-left\" title=\"List of Lending Agents\" target=\"_blank\"><i class=\"fa fa-user-circle-o\"><\/i>Directory of Vetted Lending Agents<\/a><\/span><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1748763640\" href=\"#1746830724958-3-10\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Kako izabrati agenta za nekretnine?<\/span><\/a><\/p><\/div><div data-id=\"1746830724958-3-10\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Pronala\u017eenje pravog agenta za nekretnine va\u017ean je korak u potrazi za va\u0161im novim domom. Prije svega, va\u0161 agent za nekretnine vas zastupa tokom procesa kupovine ku\u0107e. Trebali bi imati dobro razumijevanje lokalnog tr\u017ei\u0161ta stanova, sna\u017enu sposobnost pregovaranja i dobro poznavanje zajednice u kojoj \u017eelite kupiti ku\u0107u. Ako koristite program pomo\u0107i kupcu ku\u0107e za kupovinu ku\u0107e, agent za nekretnine koji je upoznat s ovim programima mo\u017ee biti u\u010dinkovitiji od onog koji to ne \u010dini. WHRC ne daje preporuke odre\u0111enim agentima za nekretnine, ali va\u0161 program za kupnju ku\u0107e (ako ga koristite) mo\u017ee vam dati nekoliko preporuka.<\/p>\n<p><strong>Razmislite o postavljanju ovih pitanja kako biste lak\u0161e donijeli pravu odluku:<\/strong><\/p>\n<ol>\n<li>Da li ste stalni profesionalni agent za nekretnine?<\/li>\n<li>Koliko dugo zastupate kupce?<\/li>\n<li>Imate li tim koji podr\u017eava va\u0161e klijente? Ako je tako, ko \u0107e me kontaktirati tokom kupovine i kakvo vrijeme obrade mogu o\u010dekivati kada napravim upit?<\/li>\n<li>Kako vidite kako funkcionira proces pretra\u017eivanja od ku\u0107e do kraja?<\/li>\n<li>Kako odre\u0111ujete koje ku\u0107e \u0107ete mi pokazati?<\/li>\n<li>Kako mo\u017eete odrediti da li je cijena ku\u0107e ispravna?<\/li>\n<li>Koje profesionalne oznake imate?<\/li>\n<li>Jeste li radili sa prvim kupcima ku\u0107e?<\/li>\n<li>Jeste li upoznati s programom pomo\u0107i kupcima ku\u0107e koji koristim za kupovinu ku\u0107e?<\/li>\n<\/ol>\n<p>WHRC vodi imenik provjerenih stru\u010dnjaka za nekretnine. Iako provjeravamo vjerodajnice kako bismo osigurali da ispunjavaju zahtjeve za licenciranje i obavezujemo se na po\u0161tovanje na\u0161ih vrijednosti Equity in Homeownership, uklju\u010divanje u ovaj direktorij nije odobrenje bilo kojeg odre\u0111enog stru\u010dnjaka za nekretnine. Ako ste zainteresirani za preporuke provjerenim agentima za nekretnine, kontaktirajte na\u0161u telefonsku liniju ili nam po\u0161aljite e-po\u0161tu na <a href=\"mailto:info@homeownership-wa.org\">info@homeownership-wa.org<\/a>. To view the directory of vetted realty agents click on the button below.<\/p>\n<\/div><span class=\"btn-container\" ><a role=\"button\"  href=\"https:\/\/www.homeownership-wa.org\/bs\/vetted-lending-and-real-estate-referral-partner-directory\/#realty-partners\" class=\"custom-link btn border-width-0 btn-accent btn-icon-left\" title=\"List of Realty Agents\" target=\"_blank\"><i class=\"fa fa-user-circle-o\"><\/i>Directory of Vetted Realty Agents<\/a><\/span><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1748763640\" href=\"#1746830742685-4-10\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Koja kreditna sposobnost mi je potrebna za kupovinu ku\u0107e?<\/span><\/a><\/p><\/div><div data-id=\"1746830742685-4-10\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Odli\u010dan kredit (iznad 720 na FICO skali) omogu\u0107it \u0107e vam pristup najni\u017eim kamatama i najpovoljnijim kreditnim programima, ali oni s dobrim ili po\u0161tenim kreditom i dalje imaju mogu\u0107nosti pri ispunjavanju uvjeta za kredit. Minimalni kreditni rezultat varira za svaku vrstu kredita. Konvencionalni zajmovi obi\u010dno zahtijevaju kreditni rezultat od 620 ili vi\u0161i, a zajmovi FHA obi\u010dno zahtijevaju kreditni rezultat od 580 ili vi\u0161e.<\/p>\n<p>Svoj kreditni rezultat mo\u017eete provjeriti jednom sedmi\u010dno besplatno preko 3 glavna biroa za kreditno izvje\u0161tavanje, Equifax, Transunion i Experian. Va\u0161a banka ili kreditna unija vam tako\u0111er mogu besplatno ponuditi pristup va\u0161em FICO rezultatu. HUD-ov certificirani savjetnik za stanovanje mo\u017ee vam pomo\u0107i da procijenite da li \u0107e podizanje kreditnog rezultata pobolj\u0161ati va\u0161e mogu\u0107nosti kupovine ku\u0107e. Ako trebate pove\u0107ati svoj kreditni rezultat, kreditno savjetovanje vam mo\u017ee pomo\u0107i. Pozovite WHRC da se pove\u017eete sa ovim resursima.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1748763640\" href=\"#1746830762186-5-5\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Koliko svog prihoda trebam potro\u0161iti na mjese\u010dno pla\u0107anje hipoteke?<\/span><\/a><\/p><\/div><div data-id=\"1746830762186-5-5\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Zajmodavci i stru\u010dnjaci za upravljanje novcem preporu\u010duju da va\u0161a mjese\u010dna uplata za ku\u0107u (uklju\u010duju\u0107i poreze, osiguranje i sve \u010dlanarine Udru\u017eenja vlasnika ku\u0107a) ostane na 28% ili manje od va\u0161eg bruto mjese\u010dnog prihoda. Stru\u010dnjaci tako\u0111er preporu\u010duju da ukupne uplate duga - uklju\u010duju\u0107i hipoteku, kreditne kartice, vozila, \u0161kolske kredite i bilo koji drugi dug - zadr\u017eite na 36% ili manje mjese\u010dnog prihoda. Na primjer, ako zara\u0111ujete $5.000 mjese\u010dno, ukupna otplata duga od $1800 ili manje je idealna. Neki zajmodavci mogu pre\u0107i ovo, ovisno o okolnostima, ali omjer duga i prihoda (DTI) iznad 43% \u010dini odobrenje kredita malo vjerojatnim.<\/p>\n<p>Stambeni savjetnik mo\u017ee vam pomo\u0107i da pregledate ku\u0107ni bud\u017eet, uklju\u010duju\u0107i preporuke o na\u010dinima na koje mo\u017eete smanjiti dug kako biste ispunili ciljeve vlasni\u0161tva nad stanom.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1748763640\" href=\"#1746830783567-6-4\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Koliko treba u\u0161tedjeti za predujam?<\/span><\/a><\/p><\/div><div data-id=\"1746830783567-6-4\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>\u201ePredujam\u201c je iznos koji doprinosite za kupovinu ku\u0107e, bilo iz vlastitog novca, programa pomo\u0107i za avansno pla\u0107anje, ili oboje. Mnogi prvi put kupuju ku\u0107e vjeruju da im je potrebna minimalna uplata od 20%. Za mnoge ljude, u\u0161teda ove koli\u010dine mo\u017ee biti velika prepreka, a ponekad i jedini razlog zbog kojeg osje\u0107aju da nisu spremni biti vlasnici ku\u0107a.<\/p>\n<p>Odlaganje 20% NIJE uslov za kupovinu ku\u0107e. U prosjeku, kupci stanova spu\u0161taju 6%, a za neke vrste kredita potrebno je jo\u0161 manje. Na primjer, FHA krediti zahtijevaju samo 3,5% dolje, a USDA krediti i VA krediti uop\u0107e ne zahtijevaju predujam. Ve\u0107a kapara \u0107e smanjiti va\u0161e mjese\u010dne uplate i ukupne tro\u0161kove kredita.<\/p>\n<p>Kona\u010dno, iznos koji upla\u0107ujete za predujam ovisi o va\u0161im mjese\u010dnim prihodima, trenutnoj \u0161tednji, samom tr\u017ei\u0161tu stanovanja i va\u0161im ukupnim ciljevima. Stambeni savjetnik mo\u017ee vam pomo\u0107i da odredite koja veli\u010dina predujma odgovara va\u0161em bud\u017eetu.<\/p>\n<p>Postoji nekoliko programa pomo\u0107i pri pla\u0107anju predujma za stanovnike Washingtona, a neki \u0107e kupci ku\u0107e otkriti da se kvalificiraju za vi\u0161e od jednog programa, koji se \u010desto mogu slojeviti zajedno kako bi maksimizirali svoju u\u0161tedu. Kontaktirajte nas danas kako biste saznali vi\u0161e o programima pomo\u0107i za pla\u0107anje predujma i radili sa HUD-certificiranim savjetnikom za stanovanje kako biste zapo\u010deli svoj put vlasni\u0161tva nad ku\u0107om.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1748763640\" href=\"#1773284309575-8-5\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Where can I find help with a down payment or closing costs?<\/span><\/a><\/p><\/div><div data-id=\"1773284309575-8-5\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p><a href=\"https:\/\/downpaymentresource.com\/are-you-eligible\/\">Down Payment Resource<\/a> connects you with programs that can make homeownership more affordable. In just a few minutes, you can explore grants, assistance programs, and other resources available where you live. Click the <a href=\"https:\/\/downpaymentresource.com\/are-you-eligible\/\">link<\/a> to see what options may be available to you.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"panel panel-default wpb_accordion_section group  no-block-padding\"><div class=\"panel-heading wpb_accordion_header ui-accordion-header\"><p class=\"panel-title font-weight- text-   icon-size-rg\"><a data-toggle=\"collapse\" data-parent=\"#accordion_1748763640\" href=\"#1746830800799-7-9\" data-tab-history=\"true\" data-tab-history-changer=\"push\" data-tab-history-update-url=\"true\"><span>Koliko sam trebao u\u0161tedjeti za odr\u017eavanje ku\u0107e ili hitne slu\u010dajeve?<\/span><\/a><\/p><\/div><div data-id=\"1746830800799-7-9\" class=\"panel-collapse collapse\"><div class=\"panel-body wpb_accordion_content ui-accordion-content half-internal-gutter single-block-padding\">\n\t\t\t\t\t\t<div class=\"uncode_text_column\" ><p>Industrijski stru\u010dnjaci preporu\u010duju da godi\u0161nje odvajate 1-3% vrijednosti ku\u0107e za odr\u017eavanje i popravke. Drugi na\u010din za utvr\u0111ivanje ovog iznosa je stvaranje liste planiranog odr\u017eavanja i popravaka za godinu, izra\u010dunavanje predvi\u0111enih tro\u0161kova tih projekata, zatim podjela s 12. Jedna od prednosti pomo\u0107i u predujmu je ta \u0161to vam mo\u017ee omogu\u0107iti da sa\u010duvate neke od va\u0161 novac za fond za odr\u017eavanje i popravke.<\/p>\n<p>Koliko \u0107ete izdvojiti za hitne slu\u010dajeve, na kraju odlu\u010dujete sami. Mnogi stru\u010dnjaci preporu\u010duju izdvajanje 3-6 mjeseci \u017eivotnih tro\u0161kova. \u0160to vi\u0161e novca u\u0161tedite, bit \u0107ete bolje opremljeni za rje\u0161avanje hitnih slu\u010dajeva, ali imajte na umu da \u017eelite izdvojiti iznos koji je realan za va\u0161 bud\u017eet. Stambeni savjetnik mo\u017ee vam pomo\u0107i da razvijete ku\u0107ni bud\u017eet koji uklju\u010duje u\u0161tede za hitne slu\u010dajeve, popravke ili druge ciljeve u\u0161tede.<\/p>\n<\/div><\/div><\/div><\/div>\n\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-8\" data-row=\"script-row-unique-8\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-8\"));<\/script><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"Buying a HomeSo you want to buy a home! WHRC can help you navigate this exciting, complicated, and sometimes overwhelming [...]","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-85","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>For Homebuyers - Washington Homeownership Resource Center<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.homeownership-wa.org\/bs\/for-homebuyers\/\" \/>\n<meta property=\"og:locale\" content=\"bs_BA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"For Homebuyers - Washington Homeownership Resource Center\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.homeownership-wa.org\/bs\/for-homebuyers\/\" \/>\n<meta property=\"og:site_name\" content=\"Washington Homeownership Resource Center\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-02T23:20:08+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"9 minuta\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homebuyers\\\/\",\"url\":\"https:\\\/\\\/www.homeownership-wa.org\\\/for-homebuyers\\\/\",\"name\":\"For Homebuyers - 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