Uhlolojikelele olugcwele lwe-Doc Jumbo
I-Doc Jumbo epheleleInani lemalimboleko lidlula imikhawulo yemalimboleko evumelanayo evamile.
Linganisa:CHOFOZA LAPHA
Amaphuzu Avelele Ohlelo Olugcwele Lwe-Doc Jumbo
Iminyaka engama-30 ehleliwe kanye ne-10/6 ARM
1) Ubukhulu.I-LTV engu-80% yokuthenga;Ubukhulu.I-LTV 70% ye-C/O;
2) Ubukhulu.Imali Ebolekiwe $3.0M;
3) Imizuzu.Izinyanga eziyi-12 ezigciniwe ku-PITIA;
4) Imizuzu.I-FICO 720.
Kunwetshwe Iminyaka engama-30 Elungisiwe
1) Loan Amt $400K~$4.0M
2) Ubukhulu be-DTI bufika ku-50%
I-Elite Jumbo (5/6 ARM, 7/6 ARM) * Lolu hlelo olokuthengisa kuphela.
Idiphozithi Nenzalo.Idiphozithi Eningi, Isilinganiso Esiphansi!
Idiphozithi eye-CD yezinyanga eziyi-12 (kufanele igcinwe ku-akhawunti eqokwe i-AAA).
Inzalo iyahluka ngedethi yokuvula.Izinga lalingu-4.25% ngomhlaka-12/08/2023.
Idiphozi encane20%yenani lemalimboleko.
1) Ubukhulu.Inani Lemalimboleko engu-$4.0M
2) Ubukhulu.I-DTI 45%
3) Imizuzu.I-FICO 700
CHOFOZA LAPHAukuze uthole imikhawulo ye-LTV ne-FICO kanye nemininingwane eyengeziwe ku-Matrix.
I-Jumbo Flyer
Izindaba namavidiyo
I-Elite Jumbo Loans: Lapho Okunethezeka Kuhlangana Nokufinyeleleka
Ukuzulazula Izikweletu Ze-Doc Jumbo Egcwele: Umhlahlandlela Womhlaba Wangempela Wabathengi abanezikolo eziphansi ze-FICO➡Ividiyo
Ukukhulisa Ukutshalwa Kwezindlu Ngemali Ebolekiwe Ye-Doc Jumbo Egcwele: Kugqanyiswe Kuma-Condo Angewona E-ejensi Weminyaka Engama-30 Angaguquki Futhi Anganikezeli Iwaranti➡Ividiyo
Ukuzulazula Imali Ebolekiwe Ye-Doc Jumbo Egcwele: Iqhaza Elibalulekile Lokuphatha Izinkokhelo Zezindlu Sekwephuzile➡Ividiyo
Iyini i-Jumbo Loan?
I-jumbo loan iwuhlobo lwezimali oludlula imikhawulo ebekwe yi-Federal Housing Finance Agency futhi ayikwazi ukuthengwa, iqinisekiswe, noma inikezwe u-Fannie Mae noma u-Freddie Mac.Abanikazi bezindlu kumele babhekane nezidingo zezikweletu eziqinile kunalezo ezifaka isicelo semalimboleko evamile.I-Jumbo loans ikuvumela ukuthi uthenge izakhiwo ezibizayo.Imali mboleko yejumbo ayisekelwa uFannie Mae noma uFreddie Mac.
Ngo-2024, i-FHFA ithuthukisa imikhawulo yemalimboleko yazo zonke izinhlobo zezinhlobo zemalimboleko, ikakhulukazi i-Jumbo Loans.Sicela ubheke ngezansi kwemikhawulo yemalimboleko ka-2024 eCalifornia.
2024 Imikhawulo Yemalimboleko Ezifundeni zaseCalifornia
| COUNTY | 1-Umkhawulo Weyunithi | 2-Umkhawulo Weyunithi | 3-Umkhawulo Weyunithi | 4-Umkhawulo Weyunithi |
| I-ALAMEDA | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| I-ALpine | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| AMADOR | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BUTTE | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| I-CALAVERAS | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| I-COLUSA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| I-CONTRA COSTA | $1,149,825 | $1,472,250 | $1,186,350 | $2,211,600 |
| I-DEL NORTE | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| EL DORADO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FRESNO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GLENN | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HUMBOLDT | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| IMPERIAL | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| INYO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| I-KERN | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| AMAKHOSI | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ICHIBI | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LASSEN | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| E-LOS ANGELES | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| MADERA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| UMARIN | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| UMARIPOSA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MENDOCINO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| I-MERCED | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| I-MODOC | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| I-MONO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| I-MONTEREY | $920,000 | $1,177,750 | $1,423,650 | $1,769,250 |
| NAPA | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
| NEVADA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| IWOLINTSHI | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| PLACER | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PLUMAS | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| I-RIVERSIDE | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| I-SACRAMENTO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SAN BENITO | $1,149,825 | $1,472,250 | $1,779,525c | $2,211,600 |
| SAN BERNARDINO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SAN DIEGO | $1,006,250 | $1,288,200 | $1,557,150 | $1,935,150 |
| I-SAN FRANCISCO | $1,149,825 | $1,472,250 | $1,779,525 | $1,867,275 |
| SAN JOAQUIN | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SAN LUIS OBISPO | $929,200 | $1,189,550 | $1,437,900 | $1,786,950 |
| SAN MATEO | $1,149,825 | $1,394,775 | $1,779,525 | $2,211,600 |
| USANTA BARBARA | $838,350 | $1,073,250 | $1,297,300 | $1,612,250 |
| USANTA CLARA | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| USANTA CRUZ | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| SHASTA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SIERRA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SISKIYOU | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SOLANO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SONOMA | $877,450 | $1,123,300 | $1,357,800 | $1,687,450 |
| STANISLAUS | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SUTTER | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TEHAMA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| UBUTHATHU | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TULARE | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| I-TUOLUMNE | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| VENTURA | $954,500 | $1,221,950 | $1,477,050 | $1,835,600 |
| YOLO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| I-YUBA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
