Isikhungo Somkhiqizo

Uhlolojikelele

I-Affordable Housing Portfolio Loan inikeza ukubhala phansi okuvumelana nezimo, amanani ancintisana kakhulu kanye nezinketho zezimali ezingaguquki noma eziguquguqukayo ngokuqiniseka kanye nesivinini sokwenza.

Imininingwane

7/6 ARM (30-Day Avg. SOFR)

1) Ubukhulu. I-LTV 80%;
2) Ubukhulu. Imali Ebolekiwe $1,500,000;
3) Zonke izimo zidinga izinyanga eziyi-12 ze-P&I ku-US Financial Institution njengezigodlo;

4) Okwenziwayo Okuyinhloko kufanele kube Imalimboleko Efanelekile ye-CRA:
①LMI engaphansi kuka-80% wemali engenayo emaphakathi ye-FFEIC yepheshana lokubala; noma
②Impahla Yesihloko Itholakala endaweni ye-LMI.

I-5) Umsebenzi Wokutshalwa Kwezimali kufanele ube Imalimboleko Efanelekile ye-CRA:
①Impahla Yesihloko Itholakala endaweni ye-LMI.

* I-Cash Out/FN Ayitholakali
* Umsebenzi Wesibili Wasekhaya awufanelekile

★Isitatimende sasebhange sezinyanga ezi-2 sakamuva esidingekayo.
★Izimali zebhizinisi zingasetshenziswa kufika ku-100% webhalansi yamanje uma umboleki engabonisa ubunikazi obungu-100% bebhizinisi.
★Isipho sivunyelwe u-100% wenkokhelo ephansi yazo zonke izindawo zokuhlala nezakhiwo, kodwa azikho izimali zesipho ezingasetshenziselwa izinqolobane.
★Impahla yesihloko ayikwazi ukufakwa ohlwini ukuze ithengiswe ngosuku lokufaka isicelo.

★Max Front-End/Total Debt-to-Income (DTI) isilinganiso esivunyelwe: 38%/50%.
★Ayikho i-AUS edingekayo - Ibhalwe Ngaphansi Ngokuzenzela
★Isilinganiso Senzalo Efanelekayo: Iphezulu kwezinga elikhonjwe ngokugcwele noma inani lenothi.
★I-Condo kufanele iqinisekiswe nguFannie Mae; amakhondomu anganikezwa iwaranti azobuyekezwa umuntu ngamunye.
★Okwenziwayo kufanele kube Umsebenzi Wobude Bezingalo.
★Isiqondiso sokuhlola: Ukuhlola Okugcwele Okukodwa kanye Nemodeli Eyodwa Yokulinganisa Okuzenzakalelayo.

Elite P&L

①.(a)Isicelo ngomhla ka-6/30/2022 noma ngaphambi kwawo: YTD + 2021 unyaka owodwa ogcwele we-P&L Stmt ugcwaliswe yi-CPA.
(b)Isicelo ngomhla ka-7/1 noma ngemva kwalokho: I-YTD P&L Stmt igcwaliswe yi-CPA.
②.Incwadi ye-CPA (esuka ku-CPA elungise izimbuyiselo zentela zeminyaka emi-2) eqinisekisa ubunikazi bebhizinisi obulungisiwe kanye nendawo efanayo okungenani ilayisensi yebhizinisi yeminyaka emi-2 & 2yrs.

Elite WVOE

Kuqedwe nguMqashi