Kakaretso
Easy Qualified E Koetsoe Qetellong ea Bobeli.
Nako ea kalimo: E tsitsitseng;Balloon ea lilemo tse 15.
Lintlha
1) Kalimo ea Bobeli ea Standalone's le Piggyback ka bobeli lia fumaneha;
2) Thepa ea mantlha le ea matsete lia fumaneha;
3) Ha ho Kotlo e Lefiloeng Pele;
4) Ha ho na Reserves Hlokahala;
5) Palo ea Chelete ea Kalimo: $ 75,001 - $ 450,000;
6) Max.CLTV: 85%.
* Chelete ea kalimo e fokotsoa ho fihlela ho $100 e haufi
Litokomane tsa Chelete
Khetho ea 1: Litlaleho tsa Banka - 12 Mths Personal & Business Bank Stmts
★Botho & Khoebo-E Kopantsoeng kapa Khoebo (12mo.):
§ Bonyane e mong oa ba alimang o tlameha ho iketsetsa mosebetsi bonyane lilemo tse 2 (25% kapa beng ba bona ho feta);
§ Ho Felisoa ha Letlotlo ho lumelletsoeng ka litokomane tsa Tlaleho ea Banka;
§ Ho na le lintlha tse tloaelehileng tsa litšenyehelo: 50% ntlha ea litšenyehelo:
① Haeba khoebo e sebelisa < sekhetho se tloaelehileng sa litšenyehelo, P&L kapa lengolo la litšenyehelo ho tsoa ho CPA, CTEC (California Tax Education Council), kapa EA (Enrolled Agent) ea hlokahala;
②Bonyane ba litšenyehelo ka P&L e lokiselitsoeng motho oa boraro kapa lengolo ke 20%.
★Botho le Khoebo li Arohane (12mo.):
①Bonyane a le mong oa ba alimang o tlameha ho ikemela bonyane lilemo tse 2 (25% kapa beng ba bona ho feta);
②Ho Felisoa ha Letlotlo ho lumelletsoe ka litokomane tsa setatemente sa Banka;
③Ke motho ea tloaetseng ho tšoaneleha, khoebo ea likhoeli tse 3 ho bonts'a phallo ea chelete ea khoebo molemong oa ho sebelisa 100% ea li-depositi tse amanang le khoebo akhaonteng ea hau (ha ho na litšenyehelo).
Khetho ea 2: Tokomane e Felletseng - 1 Selemo le 2Yrs
Tataiso e Akaretsang
★30/15years Balloon &40/15yr Balloon min mokoloto chelete $200k.
★Boholo bo Kopantsoeng Liens - $2 M.
★Ho hlokahala liteitemente tsa morao-rao tsa banka tsa likhoeli tse 2.
★Mofuta oa Thepa - SFR, PUD, Condo-Warrantable.
★Thepa tse thathamisitsoeng ho rekisoa likhoeling tse 12 tse fetileng ha li tšoanelehe.
★Baalimi - O Lokela ho Baahi ba US, Mojaki eo e seng oa Kamehla (ea nang le Mokoloto oa US), Mojaki oa Moahi oa Ka ho sa Feleng.Ha e lumelloe ke batho bao e seng baahi ba alimang le mekhatlo.
★ Li-tradeline tse 3 tse tlalehang likhoeli tse 12+ kapa mela e 2 ea khoebo e tlalehang likhoeli tse 24+ kaofela ka ts'ebetso likhoeling tse 12 tse fetileng.
★Credit Event Seasoning - 48 months - Foreclosure, short-thekiso, deed in lieu, bankruptcy.Ha ho liketsahalo tse ngata lilemong tse 7 tse fetileng.
★Mokitlane o Nyatsehang - Ha ho litefiso tse bulehileng kapa likoleke ka mor'a likhoeli tse 48.Ha ho na melapo ea botlokotsebe ha ho koaloa.
★Housing Lates - 0x30x12 Mekolotong eohle ea likalimo bakeng sa bohle ba alimang.Ho hlokahala nalane ea bolulo ea likhoeli tse 12.
★Litlhoko tsa Tekolo:
① Tekolo ea pele nakong ea likhoeli tse 12 + Tlhahlobo ea Tekolo ea Bolulo.Boleng ba tlhahlobo bo tlameha ho lekana kapa bo boholo ho feta tekanyetso;
②Tlhahlobo e ncha ea 2055 le Tlhahlobo ea Bolulo e tšehetsang boleng ka har'a phapang ea 10%.Tlase ho tse peli tse lokelang ho sebelisoa;
③Mebaraka e theohang e fihla ho 75% CLTV ho Beng ba Beng ba Batho/Lehae la Bobeli.Boholo ba 70% CLTV ho bao e seng Beng ba Motho.
