Kikowaena Huahana

Nānā nui

E hoʻohana i nā waihona kālā 6 mahina a Borrower e kākoʻo i ka loaʻa kālā i haʻi ʻia ma 1003.

* ʻAʻole i loaʻa ka ʻāina ʻē a i ʻole ke kālā kālā

Hōʻikeʻike Polokalamu

7/6 ARM (5/1/5); 5/6 ARM (2/1/5)

1) ʻAʻohe P&L Pono;
2) ʻAʻohe WVOE Pono;
3) ʻAʻole pono ka hoʻihoʻi ʻauhau;
4) No 4506-T Pono;
5) ʻAe ʻia nā kālā makana;
6) Ka huina hōʻaiʻē a hiki i $2.5M;
7) Loaʻa nā Kūʻai & R / T Refinance.

He aha ka Elite True Stated Income?

• Maopopo anei iā ʻoe pehea e hoʻohana ai i nā waiwai kūpono wale nō e hiki ai iā ʻoe ke hōʻaiʻē moraki hale?
• Ua hoʻokuʻu ʻia a hōʻole ʻia paha ʻoe e ka mea hāʻawi kālā no kahi papahana WVOE (Written Verification of Employment)?
• ʻAʻole lawa kāu waiwai ke makemake ʻoe e kūʻai i kou hale ponoʻī?
• ʻAʻole anei i makemake kou haku hana e hāʻawi i kahi palapala WVOE a i ʻole e hui pū?

Ua like ka papahana me ka polokalamu {True Stated Income}, ua hoʻolālā ʻia no ka poʻe ʻaiʻē uku a me nā mea hōʻaiʻē hoʻolimalima.

Pehea e hana ai ka Elite True Stated Income?

E like me ka inoa o ka huahana, ua kūpono kēia polokalamu me ka waiwai pū kekahi. E nānā ma lalo:

· ʻO ka loaʻa kālā i ʻōlelo ʻia, ʻo ia ka mea e hōʻaiʻē i kā lākou REASONABLE loaʻa kālā i kēia manawa ma ka 1003

(Pono).

· Ke hōʻoia nei mākou e hiki ke kākoʻo ʻia kā lākou loaʻa kālā i kēlā me kēia mahina e nā waiwai wai ma mua o ka pani ʻana.

Heluhelu:

Pono nā waiwai / 6 ma mua o ka loaʻa kālā

· Kauka Lapaʻau nona ka $300,000 i nā waiwai a me 1003 loaʻa kālā o $20,000 i ka mahina?
ʻAe, kūpono kēia hiʻohiʻona. $300,000 / 6 = $50,000 ʻoi aku ka nui ma mua o $20,000 o ka loaʻa kālā i helu ʻia ma ka palapala noi. Hoʻohana mākou i $20,000 no ka hōʻoia.

· Uku Uku Masseuse nona ka $100,000 i loko o nā waiwai a i ʻōlelo ʻia he $15,000 i ka mahina?
ʻAʻole, ʻaʻole kūpono kēia ʻano. ʻOiai $100.000 / 6 = $16,666 > $15,000 ʻo ia ka loaʻa kālā o kēlā me kēia mahina. ʻAʻole kūpono i ka uku ʻana i ka masaeuse e hana i $15,000 i ka mahina.

· Hoʻohana ponoʻī ʻana i nā mea kūʻai aku / Export Entrepreneur me $500,000 i nā waiwai a me ka loaʻa kālā i ʻōlelo ʻia he $100,000 i ka mahina?
ʻAe, kūpono kēia hiʻohiʻona. $500,000 / 6 = $83,333 & hōʻaiʻē ʻōlelo $100,000 i ka mahina. Eia nō naʻe, he $83,333 wale nō ka mea i hoʻohana ʻia no nā kumu hōʻoia.

Inā koho mākou i ka Elite True Stated Income, e koi wale ʻia ka mea hōʻaiʻē e hāʻawi i kahi loaʻa waiwai ma ka palapala noi hōʻaiʻē (1003). E hoʻohana ʻia kēia loaʻa kālā no ka helu ʻana i ka hōʻaiʻē kūpono i ka ratio kālā.

ʻO wai ka mea hiki ke noi no ka Elite True Stated Income?

E like me ka mea i ʻōlelo ʻia ma luna nei, ʻo kēlā me kēia mea āu e hōʻaiʻē uku ai a i ʻole mea hoʻolimalima pilikino, hiki iā ʻoe ke noi no ka Elite True Stated Income. No ka mea ʻaiʻē uku, ʻaʻole pono nā palapala kūikawā ke noi ʻoe i kahi hōʻaiʻē hale hou me kahi mea hōʻaiʻē Non-QM. No nā mea hōʻaiʻē hoʻolimalima a i ʻole 1099 mau mea hōʻaiʻē, pono kahi leka CPA.