Isikhungo Somkhiqizo

Uhlolojikelele

Okufanayo ne-True Stateed Income.

I-CA, CO, GA, IL, TX, VA, WA iyatholakala.

Amaphuzu avelele ohlelo

7/6 ARM (5/1/5)

1) Ayikho i-P&L Edingekayo;
2) Ayikho i-WVOE Edingekayo;
3) Akukho Ukubuyiselwa Kwentela Okudingekayo;
4) Ayikho i-4506-T edingekayo;
5) Izimali zesipho zivunyelwe;
6) Imali ebolekiwe efika ku-$2.0M;
7) Ukuthenga & I-R/T Refinance iyatholakala.

Iyini i-Elite True Stated Income?

• Uyazi ukuthi ungasebenzisa kanjani impahla eyanele ukuze ufanelekele ukubolekwa imali yendlu?
• Ingabe uye wamiswa noma wenqatshwa umbolekisi ngohlelo lwe-WVOE (Written Verification of Employment)?
• Ingabe awunazo izimpahla ezanele lapho ufuna ukuthenga indlu yakho?
• Ingabe umqashi wakho ubengafuni ukukunikeza ifomu le-WVOE noma ukubambisana?

Uhlelo luyafana nohlelo lwe-{True Stated Income}, ludizayinelwe ababolekayo abaholayo nababolekayo abazisebenzayo.

Ngabe i-Elite True Stated Income isebenza kanjani?

Njengoba nje igama lomkhiqizo, lolu hlelo lufanelekile ngempahla futhi. Bona ngezansi:

· Imali Engenayo Eshiwoyo isho ukuthi umboleki usho imali engenayo ENGAPHAKATHI ENGAPHAKATHI ngo-1003

(Uhlelo).

· Siyaqinisekisa ukuthi iholo labo lanyanga zonke LINGASEKWA yizimpahla eziwuketshezi ngaphambi kokuvalwa.

Ukubala:

Impahla / 6 kufanele ibe nkulu kunemali Engenayo Eshiwo

· Udokotela wezokwelapha onempahla engu-$300,000 kanye nemali engenayo engu-1003 ka-$20,000 ngenyanga?
Yebo, lesi simo siyafaneleka. $300,000/6 = $50,000 okuyimali engenayo yanyanga zonke engaphezu kuka-$20,000 esohlwini lwesicelo. Sisebenzisa u-$20,000 ukuthola iziqu.

· UMasseuse Ohola Iholo onempahla engu-$100,000 kanye nemali engenayo eshiwo engu-$15,000 ngenyanga?
Cha, lesi simo asifaneleki. Nakuba $100.000 / 6 = $16,666 > $15,000 okuyimali engenayo yanyanga zonke eshiwo. akunangqondo ukuthi i-masaeuse ehola iholo yenze u-$15,000 ngenyanga.

· Usomabhizinisi Ozisebenzelayo Wokungenisa/Othekelisa onempahla engu-$500,000 kanye nemali engenayo eshiwo engu-$100,000 ngenyanga?
Yebo, lesi simo siyafaneleka. $500,000 / 6 = $83,333 futhi umboleki uthi u-$100,000 ngenyanga. Kodwa-ke kuphela ama- $ 83,333 asetshenziselwa izinjongo zemfundo.

Uma sikhetha Imali Engenayo Eshiwo Ngeqiniso Elite, umboleki uzodingeka kuphela ukuthi anikeze Imali Engenayo Esekelwe Kumpahla Esicelweni Semalimboleko (1003). Le mali engenayo izosetshenziselwa ukubala isilinganiso sesikweletu nesilinganiso semali engenayo.

Ubani ongafaka isicelo se-Elite True Stated Income?

Njengoba kushiwo ngenhla, noma ngabe ungumboleki omholo noma umboleki ozisebenzelayo, ungafaka isicelo se-Elite True Stated Income. Kumboleki weholo, imibhalo ekhethekile ayidingeki uma ufaka isicelo semali mboleko yendlu entsha nomabolekisi ongeyena we-QM. Kubaboleki abazisebenzayo noma ababolekayo abangu-1099, incwadi ye-CPA iyadingeka.