Isikhungo Somkhiqizo

Uhlolojikelele

I-Standalone & Piggyback.

Uhlelo lwe-HELOC luyi-Home Equity Line Of Credit.
Inkomba + Imajini. Ithemu Yeminyaka Engama-30, Inkathi Yokudonsa Yeminyaka Eyi-10 elandelwa Yi-20 Yeminyaka Yokuncishiswa Kwemali.

* I-Index: I-Prime Mortgage Rate yantanta emakethe.
Imajini: Kuncike kuzimo zemalimboleko, I-Margin Min. 1%, Kulungisiwe.
Isilinganiso Sokuphila Konke: 18%.
Isilinganiso Sokuphila Kwaphakade: 2.5%.

Amaphuzu avelele ohlelo

1) Asikho Isijeziso Sokukhokha Ngaphambili;
2) Ayikho Imali Yonyaka;
3) Ikhaya eliyisisekelo nelesibili liyafaneleka;
4) Iyunithi engu-1 & Kufika ku-85% HCLTV;
5) Ubukhulu. Imali Ebolekiwe $350,000;
6) Imizuzu. I-FICO 680.

Isiqondiso Esijwayelekile

(1) Qaphela Isilinganiso + 2% P&I ngaphezu kweminyaka engama-30 yokuncishiswa kwemali njengenani elifanelekayo.

(2) Izimpahla/Izimali Okuzovala/Okugciniwe:
★Piggybacks: landela izimfuneko zokuxhunywa kuqala.
★Zodwa: akukho ukuqinisekiswa kwempahla okudingekayo uma umboleki ethola ukheshi (ngaphandle kwalokho nikeza okungenani isitatimende sempahla ewuketshezi esiyinyanga eyodwa esibonisa izimali ezanele zokuvala).

(3) Ukuhlolwa/Ukuhlolwa Kwempahla:
★Piggybacks: landela FNMA/FHLMC imihlahlandlela.
①AVM kanye nombiko wesimo esiphansi sesakhiwo sangaphandle (okuhlanganisa nezithombe) obhalwe phakathi nezinsuku eziyi-120 zedethi yenothi.
②Ukuhlolwa (kungaba ideskithophu, ukuhlolwa kwangaphandle kanye/noma ukuhlolwa kwangaphakathi) kugcwaliswe umhlaziyi onelayisense/ogunyazwe wumbuso owenziwe phakathi nonyaka owodwa wedethi yenothi.
★Zodwa:
1) I-AVM kanye nombiko wesimo sesakhiwo esincane sangaphandle (okuhlanganisa nezithombe).
2) Ukuhlolwa (kungaba ideskithophu, ukuhlolwa kwangaphandle kanye/noma ukuhlolwa kwangaphakathi) okugcwaliswe umhlaziyi ogunyazwe/ogunyazwe wumbuso owenziwe ungakapheli unyaka owodwa wedethi yenothi.
★Ngemikhawulo yekhredithi > $250,000, i-FNMA 1004 egcwele noma i-FHLMC 70 enokuhlola kwangaphakathi nangaphandle okuqukethe izithombe ezinemibala iyadingeka.

(4) Isihloko akumele sigcinwe egameni lesikhwama.

(5) Ama-POA avunyelwe kuzo zonke izinhlobo zentengiselwano kodwa kufanele amboze inkokhelo yesi-2 uma isetshenziswa.

(6) Imalimboleko kufanele ibe sendaweni yesibili yokubolekwa.

(7) Ayikho Imali Yonyaka.

(8) Ukuqashisa akufanelekile.

(9) Inkokhelo izokhokhwa ngo-15 wenyanga ngayinye ngokulandelana.

(10) Imali ekhokhwa sekwephuzile engu-5% izocutshungulwa ngosuku olunqunyiwe lokukhokha + izinsuku eziyi-15 (ngaphandle uma kunesidingo sombuso esinemingcele).

(11) Ubuningi bokuphila konke. Izinga: 18% noma state maximum and Lifetime Rate Floor 2.5%.

(12) Asikho Isijeziso Sokukhokha Ngaphambili.