Wholesale - AAA Lendings Non-QM Habonolo Qualified Asset khetho feela – ATR-In-Full – AAA Lendings alimang le motsetedi

Lintlha tsa Sehlahisoa

Boitlamo ba rona ba bokhabane le boinehelo ho bareki ba rona bo re khothalelitse ho atolosa ts'ebetso ea rona ho pholletsa le litereke tse 45, ho kenyeletsoa Arizona, California, Washington DC, Florida, Nevada, le Texas, har'a tse ling. Leha ho le joalo, katleho ea rona ha e hlalosoe ke lipalo feela. Maikutlo a mangata a matle le botumo bo matla ba ho bua ka molomo boo re bo entseng e le bopaki ba tšepo le kholiseho eo 'maraka o e behileng ho rona.Moalimi oa Khoebo,Khetho e Ntle Bakeng sa Morekisi,Lihlopha tsa Mortgage Broker, E 'ngoe ea linyehelo tsa rona tse hlahelletseng ke lihlahisoa tsa rona tsa kalimo ea 'Non-QM', 'me re motlotlo haholo ka ho etella pele sehlopheng sena sa likalimo. Re ikhethile haholo sebakeng sena, re na le boiphihlelo bo bongata le ho kena 'marakeng kapele, ho re thusa ho utloisisa le ho sebetsana le litlhoko tsa hau tsa lichelete. Ho tsamaea tseleng e lebisang lipakaneng tsa hau tsa lichelete ho fetoha leeto le bonolo, le ka finyelloang haholoanyane ka AAA LENDINGS haufi le uena. Ikutloe u le matla a ho alima ka mokhoa o ikhethileng le rona kajeno, 'me u re lumelle ho u thusa ho fihlela litabatabelo tsa hau tsa lichelete.

- Khetho feela ea AAA ea ho alima eo e seng ea QM Habonolo - ATR-In-Full - Lintlha tsa Kalimo tsa AAA:

Ha e na lebitso-9

Kakaretso

Lenaneo le tummeng la thepa. Motho ea alimang o na le chelete e itseng, e ka koahelang theko ea theko kapa chelete ea kalimo le litšenyehelo tsa ho koala. Ha ho lintlha tsa mosebetsi; Ha ho na DTI.

Lintlha

1) Ho fihlela ho 75% LTV;
2) Ho fihlela ho $ 4M chelete ea kalimo;
3) Bolulo ba mathomo feela;
4) Ha ho na meeli ea palo ea thepa e tšehetsoeng ka lichelete;
5) Bonyane lichelete tsa likhoeli tse 6 ho tsoa licheleteng tsa motho ea alimang.

Lenaneo lee ke lefe?

Lenaneo la ATR-In-Full le lona ke lenaneo la thepa, le tšoanelehang ka thepa feela. Khetho e ntle ea likalimo tsa Non-QM.
Likalimo tsa AAA li ke ke tsa bala DTI bakeng sa bakopi ba tšoanelehang ka ho paka Matlotlo feela ("ATR-In-Full"). Ka mokhoa o ts'oanelang, chelete leha e le efe kapa mosebetsi o thathamisitsoeng kopong o tla nkoa e le oa bohlokoa ho motho ea ngotseng, 'me joalo ka eena, o ka sala o se na letho. Haeba mosebetsi le chelete li ka hlahisoa kopong, DTI ha ea lokela ho baloa

U tseba joang hore na u ka ba le thepa e tšoanelehang bakeng sa lenaneo lee?

Ka tlase ke mekhoa ea ho bala:
Bakeng sa kalimo ea theko, kakaretso ea thepa e lumelletsoeng e tlameha ho ts'oana le theko le litšenyehelo tsohle tsa ho koala.
Thepa >= Theko ea theko + litšenyehelo tsohle tsa ho koala
Bakeng sa kalimo ea refinance, kakaretso ea thepa e lumelletsoeng e tlameha ho tsamaisana le chelete e felletseng ea kalimo hammoho le litšenyehelo tsa ho koala.
Thepa >= Chelete ea kalimo + litšenyehelo tsa ho koala

Sheba lintlha tse ka tlase tsa maemo, u ka sheba mekhoa ea lipalo ho bona hore na u ka tšoaneleha pele pele u etsa kopo ea likalimo le ba alimang:

Boemo ba 1: Theko ea theko le litšenyehelo tsa ho koala = $768,500. Thepa e fumanehang = $700,000 (polokong) mmoho le $45,000 (50% ea IRA) = $748,000. Haufinyane ka $20,500. Haeba motho ea alimang a le 59.5 kapa ho feta, thepa e tšoanelehang e ka ba $700,000 + $54,000 (60% ea IRA) = $754,000 'me e khutšoanyane ka $14,500.

Boemo ba 2: Chelete ea kalimo le litšenyehelo tsa ho koala = $518,500. Matlotlo a fumanehang = $370,000 (polokong) + $100,000 (50% ea IRA) = $470,000. Ka bokhutšoanyane ka $48,500. Haeba 59.5 kapa ho feta, thepa e tšoanelehang = $370,000 + $120,000 (60% ea IRA) = $490,000 le e khutšoanyane ka $28,500.

Ke thepa efe e loketseng lenaneo lee?

Chelete, li-stock, li-bond le thepa ea motho (ha ho na thepa) = 100%
Litlaleho tsa ho tlohela mosebetsi = 50% haeba 59 kapa e monyenyane le 60% haeba e moholo
Ha ho na chelete ea khoebo

Melemo ke efe?

Min. Likhoeli tse 6 tsa Reserves

Litšoantšo tsa lintlha tsa sehlahisoa:

Tataiso e Amanang ea Sehlahisoa:

Ponaletso ke khubu ea tšebetso ea rona. Re motlotlo ka puisano ea rona e bulehileng le e tšepahalang le bareki ba rona. Ha ho litefiso tse patiloeng, ha ho na lintho tse makatsang. Re fana ka tlhaiso-leseling e hlakileng, e hlakileng mabapi le likhetho tsa hau tsa ntlo ea ntlo, ho netefatsa hore u na le lintlha tsohle tsa ho etsa liqeto u na le tsebo. Sepheo sa rona ke ho aha tšepo ho bareki ba rona ka ho bua pepenene le pepeneneng, ho etsa hore boiphihlelo ba hau ba lichelete tsa lehae bo be bonolo ka hohle kamoo ho ka khonehang. – AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings , Sehlahisoa se tla fana ka thepa lefatšeng ka bophara, joalo ka: Saudi Arabia, Marseille, Russia, Kamora lilemo tsa ho theha le ho nts'etsopele, ka melemo ea litalenta tse koetlisitsoeng tse tšoanelehang le boiphihlelo bo bongata ba ho bapatsa, katleho e ikhethang e ile ea etsoa butle-butle. Re fumana botumo bo botle ho tsoa ho bareki ka lebaka la boleng ba lihlahisoa tsa rona le ts'ebeletso e ntle ea kamora ho rekisa. Re lakatsa ka tieo ho theha bokamoso bo atlehileng le bo atlehileng haholoanyane hammoho le metsoalle eohle ea hae le kantle ho naha!

-AAA Likoloto

Batsamaisi ba na le ponelo-pele, ba na le mohopolo oa melemo e tšoanang, ntlafatso e tsoelang pele le boqapi, re na le puisano e monate le Tšebelisano.
5 Linaleli