Isikhungo Somkhiqizo

Uhlolojikelele

Okufanayo ne-True Stateed Income. 7/6 ARM (5/1/5).

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

Imininingwane

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.

Luyini lolu hlelo?

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

Uma uke wahlangabezana nalesi simo esingenhla, ungakhathazeki, woza kithi futhi sizokwethula uhlelo lwe-Non-QM yakho—-Imali Engenayo Eshiwo Ngeqiniso. Uhlelo lujwayelene nohlelo lwe-{WVOE}, ludizayinelwe ababolekayo abaholayo nababolekayo abazisebenzelayo. Izimalimboleko ezingezona ze-QM zinezinhlelo ezinhle kangako abahola amaholo nabanikazi bamabhizinisi bobabili abangazifaka izicelo.

Lusebenza kanjani lolu hlelo?

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

Uma Imali Engenayo Eshiwo Ngeqiniso yalolu hlelo lwemalimboleko ikhethwa, umboleki uzodingeka kuphela ukuthi anikeze Imali Engenayo Esekelwe Kumpahla Esicelweni Semalimboleko (1003). Le mali engenayo izosetshenziselwa ukubala isilinganiso sesikweletu nesilinganiso semali engenayo okuxoxwe ngaso eSigabeni VIII sale mihlahlandlela.

Ubani ongafaka isicelo salolu hlelo?

Njengoba kushiwo ngenhla, noma ngabe ungumboleki oholayo noma ozisebenzelayo obolekayo, ungafaka isicelo salolu hlelo. Uma umboleki weholo, awekho amadokhumenti akhethekile adingekayo lapho ufaka isicelo semalimboleko yendlu entsha ye-Non-QM kumabolekisi. Uma umboleki ozisebenzelayo noma umboleki we-1099, ungase udinge incwadi ye-CPA elula.

Lusebenza kanjani lolu hlelo?

Njengoba nje igama lomkhiqizo, lolu hlelo lufanelekile ngempahla futhi. Ngokungafani nezinye izinhlelo, thina obolekayo akudingeki silungiselele amadokhumenti akhethekile avela kumboleki. Vele ulungiselele izitatimende zasebhange ezijwayelekile lapho ufaka isicelo semali mboleko yendlu yakho, Bona ngezansi ukuze uthole imininingwane yakho:

Imali Engenayo Eshiwo Isho ukuthi umboleki usho imali engenayo enengqondo esicelweni semalimboleko. Umbolekisi uzoqinisekisa ukuthi imali engenayo yanyanga zonke yomboleki ingasekelwa izimpahla “Zoketshezi” ngaphambi kokuvalwa.

Uma Imali Engenayo Eshiwo Ngeqiniso yalolu hlelo lwemalimboleko ikhethwa, umboleki uzodingeka kuphela ukuthi anikeze Imali Engenayo Esekelwe Kumpahla Esicelweni Semalimboleko (1003). Le mali engenayo izosetshenziselwa ukubala isilinganiso sesikweletu nesilinganiso semali engenayo okuxoxwe ngaso eSigabeni VIII sale mihlahlandlela.