I-Wholesale - I-AAA Lendings Non-QM Inketho Yempahla Efanelekayo Kalula kuphela – i-ATR-In-Full – AAA Ibolekisa ngemali ebolekisayo kanye nomtshalizimali

Imininingwane Yomkhiqizo

Ukuzibophezela kwethu ekwenzeni izinto obala kudlulela ngale kwezigaba zokuqala zenqubo yokubolekwa kwezindlu. Siqinisekisa ukuthi unokuqonda okucacile kwemibandela yakho yemali mboleko, okuhlanganisa amanani enzalo, izinkokhelo, nezindleko zokuvala. Azikho izimanga ngosuku lokuvala. Sizinikele ekukunikezeni izincazelo eziqondile, ezingenayo i-jargon, ukuze ukwazi ukuzulazula ngokuzethemba izici zezimali zokuthenga kwakho ikhaya noma ukuxhasa ngezimali kabusha.I-Mortgage Broker Greenville Sc,Imalimboleko Evamile No Pmi,Inkampani ye-Mortgage Lendings, Umhlaba wezimali ezibolekwayo uhlala ushintsha, futhi sisemaphethelweni aphambili ezinto ezintsha. Kwa-AAA LENDINGS, sinikezela ngamathuluzi edijithali asezingeni eliphezulu nezinkundla ezisebenziseka kalula ezikuvumela ukuthi uqale isicelo sakho semali mboleko noma uthole izibuyekezo usohambeni. Ubuchwepheshe bethu obusebenziseka kalula bulula inqubo, bubeka amandla okuphatha imali yezindlu entendeni yesandla sakho. Siyazi ukuthi isikhathi sakho sibalulekile, futhi izixazululo zethu ze-tech-savvy zonga isikhathi nokuhlupheka.

- Ukubolekwa kwe-AAA Okungeyona i-QM Inketho Yempahla Efanelekayo Kalula kuphela - I-ATR-In-Full - Imininingwane Yokubolekwa Kwe-AAA:

Ayinasihloko-9

Uhlolojikelele

Uhlelo lwefa oludumile. Umboleki unenani elithile lempahla, elingamboza inani lokuthenga noma inani lemalimboleko nezindleko zokuvala. Alukho ulwazi lomsebenzi oludingekayo; Ayikho i-DTI.

Amaphuzu avelele ohlelo

1) Kufika ku-75% LTV;
2) Kufika ku-$4M inani lemalimboleko;
3) Indawo yokuhlala eyinhloko kuphela;
4) Akukho mkhawulo enanini lezakhiwo ezixhaswe ngemali;
5) Okungenani izinyanga eziyisi-6 ezigodliwe ezikhwameni zomboleki.

Iyini i-ATR-In-Full?

Uhlelo lwe-ATR-In-Full nalo luwuhlelo lwempahla, olufaneleka ngempahla kuphela.

Ngeke sibale i-DTI yabenzi bezicelo abafaneleka ngokufakazela Izimpahla kuphela (“ATR-In-Full”). Ngokwemishini, noma iyiphi imali engenayo noma umsebenzi osohlwini lwesicelo kuzothathwa njengokungafaneleki kulowo obhala phansi. Ngokunye, ingase ishiywe ingenalutho.

Ukufaneleka

Ngezansi izindlela zokubala:
Ukuze uthole imali ebolekiwe yokuthenga, isamba sezimpahla ezivumelekile kufanele sifane nenani lokuthenga kanye nanoma yiziphi izindleko zokuvala.
Izimpahla >= Intengo yokuthenga + zonke izindleko zokuvala
Ngemali mboleko yezimali, isamba sezimpahla ezivumelekile kufanele sifane nenani eliphelele lemalimboleko kanye nezindleko zokuvala.
Izimpahla >= Inani lemalimboleko + izindleko zokuvala

Bheka ngezansi ukufaneleka kwezimo, ungabheka izindlela zokubala ukuze ubone ukuthi ungakwazi yini ukufaneleka kuqala ngaphambi kokufaka imalimboleko kubabolekisi:

Isimo 1: Intengo yokuthenga kanye nezindleko zokuvala = $768,500. Izimpahla ezitholakalayo = $700,000 (ukonga) kanye no-$45,000 (50% we-IRA) = $748,000. Kafushane ngo-$20,500. Uma umboleki eneminyaka engu-59.5 noma ngaphezulu, izimpahla ezifanelekayo zingaba ngu-$700,000 + $54,000 (60% we-IRA) = $754,000 futhi mfushane ngo-$14,500.

Isimo sesi-2: Inani lemalimboleko kanye nezindleko zokuvala = $518,500. Izimpahla ezitholakalayo = $370,000 (ukonga) + $100,000 (50% we-IRA) = $470,000. Kafushane ngo-$48,500. Uma umboleki eno-59.5 noma ngaphezulu, izimpahla ezifanelekayo = $370,000 + $120,000 (60% ye-IRA) = $490,000 futhi imfushane ngo-$28,500.

Izimpahla Ezifanelekayo

Ukheshi, amasheya, amabhondi kanye nempahla yomuntu siqu (ayikho impahla) = 100%.
Ama-akhawunti omhlalaphansi = 50% uma 59 noma omncane futhi 60% uma abadala.
Azikho izimali zebhizinisi.

Izithombe zemininingwane yomkhiqizo:

Umhlahlandlela Womkhiqizo Ohlobene:

Ukuqamba kabusha kuyingxenye ye-DNA yethu. Sihlala sifuna izindlela zokuthuthukisa ulwazi lwemali mboleko kumakhasimende ethu. Inqubo yethu yesimanje yesicelo se-inthanethi, ukuphathwa kwemibhalo evikelekile, nezinketho zokuxhumana kwedijithali kunikeza uhambo olungenamthungo, olungenaphepha lwemali yendlu. Nge-AAA LENDINGS, ungalindela ulwazi lwesimanjemanje, olusebenzayo, noluvikelekile lwemalimboleko yezindlu ehambisana nomhlaba wobuchwepheshe ohamba ngokushesha. Ukunethezeka kwakho nokuvikeleka kubaluleke kakhulu kithi. - Ukubolekwa kwe-AAA Okungeyona I-QM Inketho Yempahla Efanelekayo Kalula kuphela - I-ATR-In-Full - AAA Lendings , Umkhiqizo uzohlinzeka kuwo wonke umhlaba, njenge: Chile, Egypt, Paraguay, Phakathi neminyaka engu-11, sibambe iqhaza emibukisweni engaphezu kuka-20, sithola ukunconywa okuphezulu kakhulu kukhasimende ngalinye. Inkampani yethu ihlale ihlose ukuhlinzeka ikhasimende ngemikhiqizo ehamba phambili ngentengo ephansi. Senza imizamo emikhulu ukuze sizuze lesi simo futhi sikwamukela ngobuqotho ukuthi uhlanganyele nathi. Hlanganyela nathi, ubonise ubuhle bakho. Sizohlala siyisinqumo sakho sokuqala. Sithembe, awusoze waphelelwa yinhliziyo.

-AAA Ukuboleka

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