Setsi sa Lihlahisoa

Kakaretso

E ikemetseng & Piggyback.

Lenaneo la HELOC ke Home Equity Line Of Credit.
Index + Margin. 30 Years term, 10 Yrs I/O Draw Period e lateloang ke 20 Years Amortization.

* Index: Prime Mortgage Rate e phaphametse 'marakeng.
Margin: Ho ipapisitsoe le maemo a mokoloto, Margin Min. 1%, e tsitsitseng.
Sekhahla sa Bophelo Bohle: 18%.
Sekhahla sa Bophelo Bohle: 2.5%.

Lintlha-khōlō Tsa Lenaneo

1) Ha ho Kotlo ea ho Lefshoa Pele;
2) Ha ho Tefiso ea Selemo le Selemo;
3) Lehae la mathomo le la Bobeli lea tšoaneleha;
4) Max. HCLTV 85%;
5) Max. Kalimo Chelete $350,000;
6) Mets. FICO 680.

Tataiso ea Lekeno

★Li-piggybacks li latela litlhoko tsa pele tsa ho hlaka.
★Li-Standalones: Haufinyane tjena paystub ea khoeli e le 'ngoe + selemo sa morao tjena W2.
★Lingoliloeng tsa lekhetho lia hlokahala ha ho sebelisoa litokomane tsa lekhetho molemong oa ho tšoaneleha.

Tataiso e Akaretsang

Mohloli oa sehokelo sa Prime Mortgage Rate:https://www.wsj.com/market-data/bonds/moneyrates

★Tefiso e phahameng ea ho qala ke "Max Point & Fee 5%".

★$1.5m Max Combined Liens.
★Bophelo bo Phahameng ka ho Fetisisa: 18% kapa boemo bo phahameng le tekanyo ea bophelo bohle fatše 2.5%.
★Ho reka ha ho na tokelo .
★Karo-karolelano ea ho reka:1:3 (0.125 e theohile ka sekhahla, 0.375 theko ho ea ka theko. max buy-down 1.000% in
sekhahla.)
★Second Home Purchase Transaction Ha e lumelloe hajoale

(1)Max DTI 43% bakeng sa Moedi wa kadimo $250,000
(2) Tlhokomeliso Rate + 2% P&I ho feta tefiso ea lilemo tse 30 joalo ka sekhahla se tšoanelehang.
(3) Thepa/Lichelete tse Tla Koaloa/Lipolokelo:
★Li-piggybacks: latela litlhoko tsa pele tsa lien.
★Litlhophiso tse ikemetseng: ha ho hlokahale netefatso ea letlotlo haeba motho ea alimang a fumana chelete e tsoang (ho seng joalo fana ka litatemente tsa thepa tsa metsi tsa khoeli e le 'ngoe tse bontšang chelete e lekaneng ea ho koala)
(4)Mokoloto oa morao-rao:0x30x24