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

Lintlha tsa Sehlahisoa

Thuto ea bareki ke motheo oa morero oa AAA LENDINGS. Re lumela hore motho ea alimang ka tsebo ke moalimi ea nang le matla. Ke ka lebaka leo re nkang sebaka se eketsehileng ho fana ka lisebelisoa tsa thuto le tataiso ho u thusa ho sebetsana le mathata a ts'ebetso ea sekoloto sa ntlo. Sehlopha sa rona se ikemiselitse ho araba lipotso tsa hau, ho hlalosa mathata a sekhahla sa tsoala, likhetho tsa mekoloto, le tse ling, ho netefatsa hore u etsa liqeto tse nang le tsebo. Tsebo ea hau ea lichelete le boitšepo li bohlokoa ho rona.Mokoloto oa Mokoloto oa Tennessee,Lihlopha tsa Mortgage Broker,Credit Union Vs Mortgage Broker, Ha ho tluoa tabeng ea litekanyetso, AAA LENDINGS e ikemiselitse ho fana ka likhetho tsa tlhōlisano le tse theko e tlaase. Rea tseba hore ho fumana mokoloto ha ho akarelletse feela ho fumana lehae la litoro tsa hau empa hape le ho netefatsa hore e lula e le letsete le theko e tlase. Boinehelo ba rona ba ho fana ka litefiso tsa tlholisano bo bolela hore u ka kena leetong la hau la ho ba le ntlo ka boitšepo, u tseba hore u fumane sekoloto sa ntlo se lumellanang le tekanyetso ea hau.

- 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:

Nako ea hau ke ea bohlokoa, 'me re hlompha seo. Ho AAA LENDINGS, re ikemiselitse ho ntlafatsa ts'ebetso ea sekoloto sa ntlo ho u bolokela nako le matsapa. Sesebelisoa sa rona sa Marang-rang se bonolo ho se sebelisa ebile se entsoe ka boiketlo ba hau kelellong. O ka tlatsa kopo ka lebelo la hau, ho tsoa boiketlong ba ntlo kapa ofisi ea hau. Rea tseba hore u na le bophelo bo maphathaphathe, 'me re ikemiselitse ho etsa hore ts'ebetso ea mekoloto e be monate, e sebetse hantle, hape e boloke nako. - AAA Lendings Non-QM Easily Qualified Asset only option - ATR-In-Full - AAA Lendings , Sehlahisoa se tla fana ka lefats'e ka bophara, joalo ka: Moldova, Puerto Rico, Lithuania, Ho sebetsa le moetsi oa lihlahisoa tse babatsehang, k'hamphani ea rona ke khetho ea hau e ntle ka ho fetisisa. Rea u amohela ka mofuthu le ho bula meeli ea puisano. Re molekane ea loketseng oa nts'etsopele ea khoebo ea hau mme re lebelletse tšebelisano ea hau e tiileng.

-AAA Likoloto