Isikhungo Somkhiqizo

  • I-Non-QM Non-DTI ratio Programme – Ukuqedwa Kwempahla(Impahla Kuphela)

    Umuntu obolekayo uthengise ibhizinisi lakhe lezigidi zamadola wabe esethola ikhaya lamaphupho abo kodwa engenawo umthombo wemali yokubhala.

  • I-Non-QM Salary Nohlelo Lwempahla Yomboleki Ozisebenzelayo - ABIO (Inketho Yemali Esekelwe Kumpahla)

    Uhlolojikelele Sebenzisa impahla yomboleki ukuze ufaneleke, izimpahla zomboleki zidinga ukumboza okungenani amadiphozithi ezinyanga eziyisi-6 emali engenayo yanyanga zonke.Imininingwane 1) Kufika ku-60% LTV;2) Isamba semalimboleko esingafika ku-$2.5M;3) 700 noma ngaphezulu amaphuzu esikweletu;4) DTI isilinganiso– Ngaphambili 38%/ Emuva 43%;5) Akukho mkhawulo enanini lezakhiwo ezixhaswe ngemali.Luyini lolu hlelo?• Uyazi ukuthi ungasebenzisa kanjani impahla kuphela ukuze ufanelekele ukubolekwa imali yendlu?• Ingabe uye wamiswa noma wanqatshelwa umbolekisi nge-WVOE (Isiqinisekiso Esibhaliwe...
  • Inketho ye-Non-QM Efanelekayo Kalula kuphela - i-ATR-In-Full

    Uhlolojikelele Uhlelo lwefa oludumile.Umboleki unenani elithile lemali, elingamboza inani lokuthenga noma inani lemalimboleko nezindleko zokuvala.Alukho ulwazi lomsebenzi;Ayikho i-DTI.Imininingwane 1) Kufika ku-75% LTV;2) Kufika ku-$4M inani lemalimboleko;3) Indawo yokuhlala eyinhloko kuphela;4) Akukho mkhawulo enanini lezakhiwo ezixhaswe ngemali;5) Okungenani izinqolobane zezinyanga eziyisi-6 ezivela ezikhwameni zomboleki.Luyini lolu hlelo?Uhlelo lwe-ATR-In-Full nalo luwuhlelo lwempahla, olufaneleka ngempahla kuphela.Ukukhetha okuhle kwe-Non-...
  • Uhlelo Olunentshisekelo Ye-Non-QM - I-Diamond Jumbo (Efana Nemalimboleko Evamile)

    Uhlolojikelele i-Diamond Jumbo, yababoleki abangakwazi ukwenza i-Non-ejensi Jumbo.Inani lemalimboleko eyengeziwe/ I-DTI Ephakeme/ I-LTV Ephakeme/ Izakhiwo zezimali ezingenamkhawulo.Imininingwane 1) I-Max DTI 55%;2) Kufika ku-$4M inani lemalimboleko;3) Kufika ku-90% LTV;4) Ayikho i-MI(I-Mortgage Insurance);5) 575 noma ngaphezulu amaphuzu esikweletu;6) izinyanga eziyisi-6 noma ngaphezulu ezibekiwe;7) Imbuyiselo yentela yonyaka ongu-1 iyatholakala.Luyini lolu hlelo?Wake wahlangana nesimo esingezansi?• Umbolekisi akakwazi ukuvumela isicelo sakho semalimboleko ephezulu?• Awukwazi ukufika ku-LTV ephezulu ...
  • I-AAA Imali Ebolekiwe Engavumelani - I-Jumbo Loan(Imali Ebolekiwe Ephakeme)

    Uhlolojikelele Umkhawulo wenani lemalimboleko ephezulu kunemalimboleko evamile ye-ejensi.Imininingwane 1) I-Max DTI 43%;2) Kufika ku-$2M Amanani Wokubolekwa;3) Kufika ku-80% Max LTV;4) Kudingeka izimbuyiselo zentela zeminyaka emi-2;5) Ayikho i-MI(I-Mortgage Insurance);6) 720 noma ngaphezulu amaphuzu esikweletu;7) izinyanga eziyi-12 noma ngaphezulu ezigciniwe;8) SFRs, 2-4 Units, PUDs, Condos;9) Imikhiqizo engeyona eye-AUS.Iyini i-Jumbo Loan?I-jumbo loan iwuhlobo lwezimali oludlula imikhawulo ebekwe yi-Federal Housing Finance Agency futhi ayikwazi ukuthengwa, iqinisekiswe, ...
  • Non-QM DSCR(Debt Service Coverage Ratio) Uhlelo

    Umkhiqizo olula kakhulu ezinhlobonhlobo zezinhlelo ze-Non-QM.
    Akukho Imali Engenayo/ Akukho Umsebenzi/ Akukho Ukubuyiswa Kwentela, futhi akuqhathanisi isilinganiso se-DTI njengemalimboleko evamile.Kuphela uma isihloko sendawo siyindawo yokutshalwa kwezimali.

  • I-Non-QM 12 noma Uhlelo Lwezitatimende Zebhange Lebhizinisi Lezinyanga ezingu-24

    Umboleki ozisebenzelayo onesikweletu esihle kakhulu umholo wakhe oshiwo embusweni wakhe wentela ngeke ubenze bafanelekele ikhaya eliwubukhazikhazi abangalikhokhela.Ufaneleka ngo-100% Kumali Ediphozithi Ye-akhawunti Yakho kanye no-50% Kudiphozithi Ye-akhawunti Yebhizinisi (izinyanga eziyi-12 zilandelana)

  • Uhlelo Olungeyona I-QM Loboleka Umholo- WVOE (Ukuqinisekiswa Okubhaliwe Kokuqashwa)

    Ababoleka iholo kuphela, abangakwazi ukuhamba nemali mboleko ye-ejensi, futhi abafuni ukuhlinzeka ngemibhalo ehlukahlukene yemali engenayo.

  • Uhlelo lokuboleka okungezona lwe-QM oluzisebenzelayo- P&L(Inzuzo Nokulahlekelwa)

    Uhlolojikelele Ababolekayo abazisebenzelayo kuphela, abangakwazi ukuhamba nemali mboleko ye-ejensi, futhi abafuni ukuhlinzeka ngemibhalo ehlukahlukene yemali engenayo.Imininingwane 1) Kufika ku-$2.5M inani lemalimboleko;2) Kufika ku-75% LTV;3) 620 noma ngaphezulu amaphuzu esikweletu;4) Izizwe zakwamanye amazwe zitholakala** 5) Ayikho i-MI(Mortgage Insurance);6) DTI isilinganiso– Ngaphambili 38%/ Emuva 43%;7) I-P&L elungiselelwe umeboleki yamukelwa** Luyini lolu hlelo?Ubani ongafaka isicelo salolu hlelo?• Ingabe ungumuntu obolekayo ozisebenzelayo?• Ingabe owaboleka...
  • I-AAA Conforming Conforming Loans yabaningi bababoleki e-United States

    Iyini Imalimboleko Evumelana Nejwayelekile?Imali mboleko evumelanayo iyimali mboleko enemibandela nemibandela ehlangabezana nemibandela yoxhaso ka-Fannie Mae noFreddie Mac.Izikweletu ezivumelanayo azikwazi ukweqa umkhawulo othile wedola, oshintsha unyaka nonyaka.Ngo-2022, umkhawulo ngu-$647,200 ezindaweni eziningi zase-US kodwa uphakeme kwezinye izindawo ezibiza kakhulu.Ungasesha ku-inthanethi imalimboleko yesifunda ngayinye evumelana nemikhawulo yemalimboleko yonyaka wamanje.Inhloso kaFannie Mae noFreddie Mac imiphumela i...