I-Wholesale - I-AAA Lendings Non-QM Interested Programme – Diamond Jumbo (Okufana Nemali Ebolekiwe Evamile) – I-AAA Ebolekisayo Ebolekisayo kanye nomtshali-zimali

Imininingwane Yomkhiqizo

Ukuzibophezela kwethu ekwenzeni okuhle nokuzinikela kumakhasimende ethu kusishukumisele ukuba sandise ukusebenza kwethu kuzo zonke izifundazwe ezingama-45, okuhlanganisa i-Arizona, California, Washington DC, Florida, Nevada, neTexas, phakathi kwezinye. Nokho, impumelelo yethu ayichazwa ngezinombolo kuphela. Ukubuyekezwa okuhle okungenakubalwa kanye nesithunzi esinamandla sokukhuluma ngomlomo esikuzuzile kusebenza njengobufakazi bokwethemba nokuqiniseka imakethe esibeke khona.Inzalo Egxilile,I-Mortgage Broker yase-Orlando,I-Home Equity Loan, Uma kuziwa emazingeni, i-AAA LENDINGS izibophezele ekunikezeni izinketho ezincintisanayo nezithengekayo. Siyazi ukuthi ukuthola imali ebolekiwe akubandakanyi nje ukuthola ikhaya lamaphupho akho kodwa futhi nokuqinisekisa ukuthi lihlala liwutshalomali oluthengekayo. Ukuzinikela kwethu ekunikezeni amanani ancintisanayo kusho ukuthi ungakwazi ukuqalisa ngokuzethemba ohambweni lwakho lokuba umninikhaya, wazi ukuthi uthole imali ebolekiwe evumelana nesabelomali sakho.

- Uhlelo Olunentshisekelo Yokubolekwa Kwe-AAA Okungelona I-QM - I-Diamond Jumbo (Efana Nemalimboleko Evamile) - Imininingwane Yokubolekwa kwe-AAA:

Ayinasihloko-8

Uhlolojikelele

I-Diamond Jumbo, yababoleki abangakwazi ukwenza i-Non-agency Jumbo. Inani lemalimboleko eyengeziwe/ I-DTI Ephakeme/ I-LTV Ephakeme/ Izakhiwo zezimali ezingenamkhawulo.

Imininingwane

1) Ubuningi be-DTI 55%;
2) Kufika ku-$4M inani lemalimboleko;
3) Kufika ku-90% LTV;
4) Ayikho i-MI(I-Mortgage Insurance);
5) 660 noma ngaphezulu amaphuzu esikweletu;
6) izinyanga eziyisi-6 noma ngaphezulu ezibekiwe;
7) Imbuyiselo yentela yonyaka ongu-1 iyatholakala.

Luyini lolu hlelo?

Wake wahlangana nesimo esingezansi?
• Umbolekisi akakwazi ukuvumela isicelo sakho semalimboleko ephezulu?
• Awukwazi ukufika ku-LTV ephezulu oyifunayo?
• Ingabe ababolekisi be-jumbo okungebona be-ejensi abakwazi ukukunikeza imali ebolekiwe yokuphuma?
• Ingabe umbolekisi ubekudinga ukuthi uthenge i-MI(Mortgage Insurance)?
Uma uke wahlangabezana nalezi zimo ezinamahloni, akukho ukukhathazeka. Ababolekisi abangewona ama-QM nabo banezinhlelo ezinjalo, ezifanayo nezimali mboleko ze-ejensi. Nokho, ababolekisi be-Non-QM abanomkhiqizo wemalimboleko we-{Full Docs} banemikhawulo ephansi kakhulu kunemikhiqizo yemalimboleko egcwele Amadokhumenti. Unokukhetha okungcono manje. Iphuzu elilodwa elibalulekile ongalinakekela yilokhu: Ungafaka isicelo salolu hlelo kuphela uma ungakwazi ukufanelekela ukubolekwa i-FNMA noma i-FHMLC.

Uyini umehluko walolu hlelo lwe-Non-QM Full Document nohlelo oluphelele lwe-ejensi yokufaneleka?

Ngokuvamile, iningi labafake izicelo lingafaka isicelo semalimboleko evamile ye-Jumbo ngenjongo yenani eliphezulu lemalimboleko. Nokho, kokuhlangenwe nakho kwethu, uhlelo oluvamile lwe-Jumbo akulula ukuvala. Uhlelo lunezidingo ezikhawulelwe kunemalimboleko ye-ejensi, futhi linesikhathi eside sokuguqula.

Kodwa-ke, ngaphansi kwezinye izimo, abafakizicelo abakwazi ukufaneleka noma ukuqhubeka nohlelo oluvamile lwe-Jumbo, ngenxa yalokho bangakwazi ukwenza umkhiqizo we-Non-QM kuphela, ukwanelisa inhloso yabo, njengenani eliphezulu lemalimboleko/ Imali ephumayo/ Imali ephumayo/ LTV/ Isikolo sesikweletu, njll.

Imibhalo Yethu Yemali Engenayo Ephelele Ye-Non-QM iyatholakala kubaboleki abanemali ebolekiwe ye-jumbo kanye nezimali mboleko ezivumelanayo eziwela ngaphandle nje kwemingcele Yezimali Zokubolekwa Imali Ezifanelekayo. Imalimboleko kulolu hlelo akumele ifaneleke ukudayiswa kunoma iyiphi i-Ejensi Kahulumeni.

Yiziphi izinzuzo?

Ngemva kokufunda amagama angenhla, nasi isifinyezo sezinzuzo zolwazi lwakho:

Inani lemalimboleko ephezulu, engaphezulu kakhulu kunemalimboleko ye-ejensi;
Isilinganiso esiphezulu se-DTI, ukulinganiselwa okuphansi;
Ayikho i-MI (I-Mortgage Insurance) edingekayo;
Ukukhipha imali kuvunyelwe;
I-LTV ephezulu, ephakeme kunemalimboleko ye-ejensi.

Izithombe zemininingwane yomkhiqizo:

Umhlahlandlela Womkhiqizo Ohlobene:

Ukungafihli kungumnyombo wemisebenzi yethu. Siyaziqhenya ngokuxhumana kwethu okuvulekile nokwethembeka namakhasimende ethu. Azikho izimali ezifihliwe, azikho izimanga. Sinikeza ulwazi olucacile, oluqondile mayelana nezinketho zakho ze-mortgage, siqinisekisa ukuthi unawo wonke amaqiniso okwenza izinqumo unolwazi. Umgomo wethu uwukwakha ukwethembana kumakhasimende ethu ngokukhuluma ngokungagwegwesi nokungafihli lutho, senze ulwazi lwakho lwezezimali lwendlu lushelele ngangokunokwenzeka. – I-AAA Lendings Non-QM Interested Programme – Diamond Jumbo (Efana Nemali Ebolekiwe Evamile) – AAA Lendings , Umkhiqizo uzohlinzeka kuwo wonke umhlaba, njengalokhu: i-belarus, iPanama, i-Bangladesh, besilokhu siphikelela kungqikithi yebhizinisi Ikhwalithi Yokuqala, Ukuhlonipha Izivumelwano Nokuma Ngokuhlonishwa, ukuhlinzeka amakhasimende ngezimpahla ezinhle nezinikeza isevisi. Abangane ekhaya nabaphesheya bamukelekile ngokufudumele ukusungula ubudlelwano bebhizinisi baphakade nathi.

-AAA Ukuboleka

Inkampani ingacabanga lokho esikucabangayo, ukuphuthuma kokuphuthuma ukwenza izithakazelo zesikhundla sethu, kungashiwo ukuthi lena yinkampani enomthwalo wemfanelo, saba nokubambisana okujabulisayo!
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Impendulo yabasebenzi benkonzo yamakhasimende icophelela kakhulu, okubaluleke kakhulu ukuthi ikhwalithi yomkhiqizo yinhle kakhulu, futhi ipakishwe ngokucophelela, ithunyelwe ngokushesha!
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