Uhlolojikelele
Easy Qualified Kuvaliwe Ukuphela Kwesibili.
Isikhathi Sokubolekwa: Simisiwe;Ibhaluni Yeminyaka engu-15.
Imininingwane
1) Imalimboleko Yesibili ka-Standalone kanye ne-Piggyback Kokubili Kuyatholakala;
2) Impahla Eyisisekelo kanye Neyokutshalwa Kwezimali Iyatholakala;
3) Asikho Isijeziso Esikhokhelwe Ngaphambili;
4) Azikho Izigodlo Ezidingekayo;
I-5) Ububanzi Bemali Yemalimboleko: $ 75,001 - $ 450,000;
6) Ubukhulu.I-CLTV: 85%.
* Inani lemalimboleko lifinyezwa lifinyelele ku-$100 eseduze
Imibhalo Yemali Engenayo
Inketho1: Izitatimende Zebhange - 12 Mths Personal & Business Bank Stmts
★Okomuntu siqu & Nebhizinisi-Kuhlanganisiwe noma Ibhizinisi (12mo.):
§ Okungenani oyedwa wababoleki kufanele azisebenzele okungenani iminyaka emi-2 (25% noma ubunikazi obukhulu);
§ Ukuchithwa Kwempahla kuvunyelwe nemibhalo Yesitatimende Sebhange;
§ Kusebenza izici zezindleko ezijwayelekile: 50% isici sezindleko:
①Uma ibhizinisi line-< standard cost factor, i-P&L noma incwadi yezindleko evela ku-CPA, CTEC (California Tax Education Council), noma i-EA (Umenzeli Obhalisiwe) edingekayo;
②Inani lezindleko eliphansi nge-P&L elungiselelwe umuntu wangaphandle noma incwadi ingu-20%.
★Okomuntu siqu Nebhizinisi Kuhlukanisiwe (12mo.):
①Okungenani oyedwa wababoleki kufanele azisebenzele okungenani iminyaka emi-2 (25% noma ubunikazi obukhulu);
②Ukuqedwa Kwempahla kuvunyelwe nemibhalo yesitatimende Sebhange;
③Okomuntu siqu okusetshenziselwa ukufaneleka, izinyanga ezi-3 zebhizinisi ukukhombisa ukuhamba kwemali yebhizinisi ukuze kusetshenziswe u-100% wediphozithi ehlobene nebhizinisi ku-akhawunti yomuntu siqu (ayikho into yezindleko).
Inketho2: Idokhumenti Egcwele - Unyaka O-1 & 2Iminyaka
Isiqondiso Esijwayelekile
★Ibhaluni yeminyaka engu-30/15 &40/15yr Ibhaluni elincane inani lemalimboleko engu-$200k.
★Izilinganiso Eziningi Ezihlanganisiwe - $2 M.
★Kudingeka izitatimende zasebhange zezinyanga ezi-2 zakamuva.
★Property Type - SFR, PUD, Condo-Warrantable.
★Izakhiwo ezisohlwini oluthengiswayo ezinyangeni eziyi-12 ezedlule azifanelekile.
★Ababoleki - Ifanelekela Isakhamuzi SaseMelika, Umfokazi Ongahlali Unomphela (Onekhredithi Yase-US), Umfokazi Ohlala Unomphela.Ayifaneleki kubaboleki kanye namabhizinisi abangahlali.
★ Imigqa yezohwebo emi-3 ebika izinyanga eziyi-12+ noma imigqa yezohwebo emi-2 ebika izinyanga ezingama-24+ konke okunomsebenzi ezinyangeni eziyi-12 ezedlule.
★Credit Event Seasoning - 48 months - Foreclosure, short-sale, deed in badala, bankruptcy.Ayikho imicimbi eminingi eminyakeni engu-7 edlule.
★Isikweletu Esilulazayo - Azikho izindleko ezivulekile noma amaqoqo ezinyangeni ezingama-48.Abekho imigqa yokuhweba engamahlongandlebe lapho kuvalwa.
★Housing Lates - 0x30x12 Kuwo wonke ama-mortgages abo bonke ababoleki.Kudingeka umlando wezindlu omncane wezinyanga eziyi-12.
★Izimfuneko Zokuhlola:
①Isivivinyo sangaphambilini phakathi kwezinyanga eziyi-12 + Ukubuyekezwa Kokuhlolwa Kwendawo yokuhlala.Inani lokubuyekeza kufanele lilingane noma libe likhulu kunokulinganisa;
②Inani elisekelayo le-appraisal lika-2055 kanye Nokubuyekezwa Kwendawo yokuhlala ngaphakathi kokuhluka okungu-10%.Amanani aphansi amabili azosetshenziswa;
③Izimakethe ezehlayo zifinyelela ku-75% CLTV Kukhaya Elihlalwe Umnikazi/Ikhaya Lesibili.Ubukhulu obungu-70% be-CLTV Kokungahlali Umnikazi.
