Indlela i-Prime Full Doc Jumbo eyenza ngayo ibe lula i-Jumbo Loan Solutions

Ukuzulazula emhlabeni weI-Jumbo Loanskungase kuzwakale kunzima, ikakhulukazi uma izinto ozibonayo zibekwe endaweni enenani elidlula imikhawulo evamile. Faka iPrimeUDokotela OgcweleJumbo, umkhiqizo we-powerhouse mortgage oklanyelwe ukwenza inqubo ibe lula ngenkathi ilethwaamanani amakhulu emalimbolekokanye nokuqeda i-private mortgage insurance (PMI). Kubathengi abajaha ikhaya lamaphupho abo—kungakhathaliseki ukuthi indawo ewugwadule noma indlu yokugezela yasemadolobheni ebukekayo—le mali mboleko inikeza indlela eqondile yobunikazi enezinzuzo ezingenakuqhathaniswa.

Emqondweni wayo, iPrime Full Doc Jumboyakhelweimali ebolekiweabafuna okungaphezu komkhawulo ojwayelekile webhalansi ephezulu engu-$1,149,825 omiselwe u-2025 ezifundeni zase-US ezibiza kakhulu. Kuyimalimboleko enemibhalo egcwele, okusho ukuthi ababoleki kufanele banikeze iminyaka emibili yentela kanye nemithombo yemali engenayo enemininingwane—kusukela eholweni le-W-2 kuya emalini yokuzisebenzela noma iholo lokuqashisa. Lokhu obala kuqinisekisa lokhoamanani amakhulu emalimbolekozifinyeleleka kubabukeli abaningi, okuhlanganisa izakhamuzi zase-US, izakhamuzi zaphakade, nezakhamuzi ezingezona unomphela ezinezinombolo Zokuvikeleka Komphakathi, njengoba kushiwo kumhlahlandlela we-Matrix.

Ikhono lokuvikelaamanani amakhulu emalimbolekoisici esichazayo. Ake ucabange umndeni waseChicago ubheke isithabathaba somlando esingu-$3 million. NgePrime Full Doc Jumbo, bangakwazi ukuxhasa lokhu kuthenga ngokwehla ngo-5% uma i-LTV iku-70% noma ngaphansi, noma u-10% uma iphakeme—konke kuvela ezimpahleni zabo eziwuketshezi. Izimali zesipho aziyona inketho yezindawo ezigciniwe noma izindlu zesibili, kodwa ukuguquguquka kohlelo ngemithombo yemali engenayo—njengamabhonasi, amakhomishini, noma impesheni yomhlalaphansi—kuyenza ihlanganise. Umbiko we-Redfin uphawula ukuthi imalimboleko ye-jumbo yabalelwa ku-20% wokuthengwa kwezindlu zikanokusho ngo-2024, okuwumkhubaPrime Full Doc Jumboilungele ukusheshisa.

Omunye umehluko omkhulu?Ayikho i-PMI. Izikweletu ze-jumbo zendabuko zivame ukudinga i-PMI lapho izinkokhelo eziphansi zehla ngaphansi kuka-20%, zengeza amakhulu ezindlekweni zanyanga zonke. IPrime Full Doc Jumboizilahle lezi zindleko ngokuphelele, ikhulule imali yokuba abanikazi bezindlu bajabulele impahla yabo. Ngemalimboleko eyizigidi ezingu-2.8 zamaRandi, lokhu kungase kusho ukonga u-$400 ngenyanga—imali esetshenziswe kangcono ekuthuthukiseni nasekutshaleni imali. Le nzuzo, ihlanganiswe neamanani amakhulu emalimboleko, ibeka imali mboleko njengenketho ephezulu kubaboleki abanolwazi.

Izindinganiso zekhredithi nezilinganiso ziqinisa ukwethembeka kwayo. Ababoleki badinga imigqa yokuhweba emine, owodwa onomlando wezinyanga ezingama-24, kanye nerekhodi lokukhokha lezinyanga eziyi-12 elingenasici. Izakhiwo kufanele zicutshungulwe phakathi nonyaka odlule, nokulungiswa kwezimakethe ezinciphayo. Lezi zidingo ziqinisekisa lokhoimali ebolekiweuxhaso lwezimali luhlala luvikelekile, ngisho nangezivumelwano zezigidi zamadola. Umnikazi wendawo onolwazi lweminyaka emibili, isibonelo, angasebenzisa le mali ebolekiwe ukuze athenge indawo yokuqasha engu-$2.5 wezigidi, asebenzise imali yokuqasha ukuze afaneleke.

IPrime Full Doc Jumbofuthi ihlanganisa izakhiwo ezixhaswe ngezimali kweziyisihlanu zezindawo zokuhlala eziyinhloko kanye nezine zezindlu zesibili noma ukutshalwa kwezimali, igcina iphothifoliyo elinganiselwe yababolekayo. Izinketho zayo zeminyaka engu-30 ezihleliwe noma ezingu-7/6 ze-ARM ziphinde zithuthukise ukuguquguquka, zivumele abathengi bakhethe amagama afanele isu labo lezezimali. Emakethe laphoimali mboleko ye-jumboziya ngokuya zibaluleke kakhulu—ngokwe-Mortgage Bankers Association—lo mkhiqizo ugqama ngobulula nokubaluleka kwawo.

Ekugcineni, iPrime Full Doc Jumboiguqula iimali ebolekiweindawo. Ngeamanani amakhulu emalimboleko,akukho PMI, kanye nohlaka olucacile lokufaneleka, yisixazululo esinikeza abathengi amandla okucabanga okukhulu ngaphandle kwezithiyo ezivamile. Kungakhathaliseki ukuthi ungumthengi wokuqala wokunethezeka noma umtshali-zimali ongumakadebona, le mali mboleko iletha amathuluzi okuguqula izifiso zibe ngokoqobo.