Isikhungo Somkhiqizo

Uhlolojikelele

I-Standalone & Piggyback.
Imalimboleko Yesibili Kuphela yamukelekile.

* Impahla yesifundo kufanele ibe nendlu yokuthenga indlu yokuqala.

Amaphuzu avelele ohlelo

Isikhathi seminyaka eyi-15.
Ezinye izinketho zamagama (iminyaka emi-5, engu-10, engu-20, engu-30).

1) Asikho Isijeziso Sokukhokha Ngaphambili;
2) Iyunithi engu-1 & Kufika ku-85% CLTV;
3) Imizuzu. I-FICO 680;
4) Ubukhulu. Imali Ebolekiwe $250,000;
5) Ikhaya eliyisisekelo nelesibili lifanelekile.

Umhlahlandlela Wezikweletu

(1) Uma kunezintela zentela ye-Federal ezingakhokhiwe ngenxa yesikhathi esidlule, umboleki kufanele anikeze isivumelwano sesitolimende ne-IRS, umlando wokukhokha obonisa okungenani inkokhelo engu-1 eyenziwayo, futhi ifake inkokhelo yanyanga zonke ezibophweni zesikweletu somboleki. Ubufakazi benkokhelo yentela yemali engenayo bungadingeka ukuze kuqinisekiswe ukuthi azikho izintela okufanele zidlule.
(2) Izibopho zentela kufanele zikhokhelwe ngaphambi noma ngaphambi kokuvalwa.
(3) Abukho ubugebenga bokubolekwa kwezindlu (0×30) ezinyangeni ezingama-24 ezedlule.
(4) Kunoma iziphi izivumelwano zokubolekwa kwendlu noma izivumelwano zokuhoxiswa kwenkokhelo ezenzeke ngesikhathi sobhubhane lwe-COVID-19, umeboleki kufanele enze okungenani izinkokhelo zenyanga ezi-6 zilandelana ezihlukene futhi kufanele kube sekudlule okungenani izinyanga eziyi-6 kusukela kuphelile uhlelo lokubekezelela/lokuhlehlisa.
(5) Um(ababoleki) kumele abe nesikhathi kuso sonke isikweletu sendlu.
(6) Azikho izahlulelo, ukuthathwa kabusha noma ukukhokhiswa imali kulezi zinyanga ezingama-60 ezedlule.
(7) Okulandelayo kuthathwa njengobuhlongandlebe obukhulu, kungakhathaliseki impendulo ye-AUS; ababolekayo abanalawa maphrofayili abafanelekile kuze kudlule isikhathi seminyaka engu-7 selokhu senzeka futhi isikweletu siphinde samiswa:
①Ukuqothuka
②Ukuvalwa / Itayitela esikhundleni Sokuvinjelwa
③Ukuthengisa Okufushane noma Inkokhelo Emfishane
④Ukulungiswa kwe-mortgage, ukubekezela noma ukuhlehliswa (ngaphandle okuhlobene ne-COVID-19)

Isiqondiso Esijwayelekile

(1) Ubukhulu. I-DTI 43%.
(2) Izinga lokufaneleka lifanelekile ngenani lenothi lokuqala.
(3) Izimpahla/Izimali Okuzovala/Okugciniwe zilandela izimfuneko zokuqala zemalimboleko.
(4) Isihloko akumele sigcinwe egameni lesikhwama.
(5) Ama-POA avunyelwe kuzo zonke izinhlobo zentengiselwano kodwa kufanele amboze inkokhelo yesi-2 uma isetshenziswa.
(6) Ukuqashisa akufanelekile.
(7) Asikho Isijeziso Sokukhokha Ngaphambili kodwa sidinga ukuthi noma yiziphi izimali ezibolekiwe zikhokhwe noma zenze ukuncipha okukhulu okungaphezu kuka-20% wemali esele ngemva kwezinsuku eziyi-180 zosuku lokuxhaswa ngezimali.
(8) I-AAA LEENDINGs ngeke yenze i-HPML Ballons (APR > 15 Years Fixed APOR +3.5%).