11/17/2023

Empilweni, sivame ukuhlangana nezenzakalo ezihlukahlukene ezingalindelekile ezingase zidinge isidingo semali ngokuzumayo.Uma uzithola udinga imali nganoma yisiphi isizathu kodwa ufisa ukugwema ukubuyisela imali, i-mortgage ingaba yisixazululo esihle kakhulu sokuthola ukheshi.Ngokungena ekulinganeni kwekhaya lakho futhi ukhiphe izinga lenzalo yemalimboleko yakho yesibili kweyakho yokuqala, ungasebenzisa ukulingana kwekhaya lakho ngaphandle kokuthinta izinga lenzalo yemalimboleko yakho yokuqala futhi ngaphandle kwesidingo sokuxhasa kabusha.

Iyini I-Closed-End Mortgage Yesibili?

A Kuvaliwe-Ukuphela KwesibiliI-Mortgage (CES Loan) iwuhlobo lwemalimboleko yesibili ekuvumela ukuthi usebenzise ukulingana kwendlu yakho ngaphandle kokuthinta izinga lenzalo yemalimboleko yakho yokuqala.Ezinye izikweletu zesibili “ziphelile,” okusho ukuthi ungaqhubeka nokudonsa imali ifike kumkhawulo omkhulu bese udweba kabusha ngemva kokukhokha, okufana nolayini wesikweletu.Kodwa-ke, i-mortgage yesibili "evaliwe" isho ukuthi uthola yonke imali ebolekiwe ngesamba esisodwa futhi awukwazi ukukhipha enye imali ngemuva kokuthola imali mboleko.

Ukubuka konke kwephrojekthi:
- Izinketho zemali ezingezinye.
- Ukubuyekezwa kokubhala okuvumelana nezimo.
- Ivumela zonke izinhlobo zokuhlala.
- Ivumela ababoleki ukuthi bakhiphe imali ngaphandle kokushintsha izinga lenzalo yemalimboleko yabo yokuqala yemalimboleko.
- Kuzuzisa ukuhlanganiswa kwezikweletu, ukulungiswa kwekhaya, kanye nemicimbi yempilo engalindelekile.

Kungani Ukhetha I-Mortgage Yesibili Evaliwe:
1. Quick Liquidity
Lolu hlobo lwemalimboleko lwenza abanikazi bezindlu bakwazi ukufinyelela ngokushesha isamba esibalulekile semali.Ukusetshenziswa kwalezi zimali akukhawulelwe—ungazisebenzisa ukuze ukhokhe izikweletu, uxhase ngemfundo eqhubekayo, noma wenze ukulungisa okukhulu kwezindlu ngaphandle kokusebenzisa imalimboleko yomuntu siqu noma ezinye izindlela.
2. Izilinganiso Zenzalo Ezigxilile
Uma ukhetha i-aI-Home Equity Line of Credit (HELOC), kungenzeka uthole isilinganiso senzalo esiguquguqukayo.Kuvaliwe-Ukuphela KwesibiliIzindlu ezibolekiwe zinikeza inketho yenani eligxilile lenzalo, elingase libe lihle uma uvaleleka phakathi lapho amanani ephansi.
3. Isidingo Esiphansi Somphumela Wesikweletu
Sinikezela ngalezi zimalimboleko kubaboleki abanezikolo ze-FICO eziphansi njengokungu-660, namanani aphezulu emalimboleko afinyelela ku-$550,000 kanye nenani elihlanganisiwe lemalimboleko elifinyelela ku-$2,500,000.
4. I-High Loan-to-Value Ratio
Sinikeza i-LTV/CLTV ephezulu engu-75% -90%, enesilinganiso esiphezulu se-Debt-to-Income Ratio (DTI) esingu-50%.
5.Ayikho Imali Yokuboleka
Azikho izimali zokufaka isicelo se-mortgage, i-appraisal, ukubhala phansi, ukucubungula, umshwalense we-private mortgage nezinye izindleko zokuvala zenkampani yangaphandle
6. Abantu Bangaphandle Bangase Bafake Isicelo
Lolu hlelo alugcini kwizakhamizi zase-US;abafokazi abangahlali unomphela kanye nabangaphandle abahlala unomphela nabo bayafaneleka ukufaka isicelo, inqobo nje uma benomlando wesikweletu wase-US kanye nemvume yokusebenza.

Ekuphetheni,Kuvaliwe-Ukuphela KwesibiliIzindlu ezibolekiwe zinikeza abanikazi bezindlu indlela esebenzayo yokusebenzisa ukulingana kwezindlu zabo ngaphandle kwesidingo sokuthola kabusha imali futhi ngaphandle kokushintsha isilinganiso senzalo semalimboleko yabo eyinhloko.Ukuvumelana nezimo kwalolu hlobo lwemali mboleko kubonakala ekwamukelweni kwalo iholo elihlukahlukene kanye nezinhlobo zokuhlala kanye nesidingo salo sesikolo se-FICO esiphansi esingu-660, esinikeza umzila wemali osheshayo.Inketho yayo yesilinganiso esingaguquki kanye nesilinganiso esiphezulu se-LTV/CLTV kunikeza ukuvikeleka okwengeziwe namandla okuboleka kubanikazi bezindlu.Ngaphezu kwalokho, ayifinyeleleki ezakhamuzini zase-US kuphela kodwa nakubantu bangaphandle abaqeqeshiwe ngaphandle komthwalo wemali eyengeziwe yababolekisi, okuyenza ibe ukukhetha okuhle kokuphatha ukuhlanganiswa kwezikweletu, ukuthuthukiswa kwekhaya, noma ezinye izidingo zezimali.I-AAA Lendings isungule isikhundla sayo emakethe yemalimboleko engeyona eyendabuko ngokusebenzisa isevisi yobungcweti, ehlinzeka ngendlela esebenzayo kubanikazi bezindlu abaningi ukuze bafinyelele imigomo yabo yezezimali.

Mayelana ne-AAA Lendings

Isungulwe ngo-2007, i-AAA Lendings isiphenduke umbolekisi ohamba phambili oneminyaka engaphezu kwe-15 yokusebenza kahle.Isisekelo sethu sinikeza isevisi engenakuqhathaniswa nokwethembeka, okuqinisekisa ukwaneliseka okukhulu kwamaklayenti ethu.

Isebenza ngokukhethekile ebangeni elibanzi lemikhiqizo ye-Non-QM—kuhlanganiseAyikho Idokhumenti Ayikho Ikhredithi, I-P&L Ezilungiselele ngokwakho, WVOE, I-DSCR, Izitatimende Zebhange, Jumbo, HELOC, Vala Ukuphela Kwesibiliizinhlelo—sihola emakethe yemalimboleko ye-'Non-QM'.Siyabuqonda ubunzima bokuthola imali ebolekiwe futhi sine-'Loan Arsenal' ehlukahlukene ukuze sihlangabezane nalezi zinselele.Ukungena kwethu ngaphambi kwesikhathi emakethe ye-Non-QM kusinikeze ubuchwepheshe obuyingqayizivele.Imizamo yethu yokuphayona isho ukuthi siyaziqonda izidingo zakho ezihlukene zezezimali.Nge-AAA Lendings, ukufinyelela imigomo yakho yezezimali kulula futhi kufinyeleleka kakhudlwana.

Sisize imindeni ecishe ibe ngu-50,000 ekufezeni amaphupho ayo ezezimali, ngemali ebolekiwe idlule amabhiliyoni angama-20.Ukuba khona kwethu okubalulekile ezindaweni ezibalulekile njenge-AZ, CA, DC, FL, NV, kanye ne-TX kusivumela ukuthi sinikeze abantu abaningi.

Ngama-ejenti azinikele angaphezu kwe-100 kanye namaqembu abhala phansi kanye nokuhlaziya angaphakathi, siqinisekisa inqubo yemalimboleko elula nengenaso ingcindezi.

Ividiyo:Ukuvula Inkululeko Yezezimali: Izinzuzo Zokukhetha I-Closed-End Mortgage Yesibili

Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.