Kikowaena Huahana

Nānā nui

E like me ka loaʻa kālā ʻoiaʻiʻo. 7/6 ARM (5/1/5).

Loaʻa iā CA, CO, GA, IL, VA, WA.

Nā kikoʻī

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 $2.0M;
7) Kūʻai & R / T Refinance loaʻa.

He aha kēia papahana?

• Maopopo anei iā ʻoe pehea e hoʻohana ai i ka waiwai i mea 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 nui 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?

Inā ua ʻike ʻoe i kēia kūlana ma luna, mai hopohopo, e hele mai iā mākou a e hoʻolauna mākou i kahi papahana Non-QM no ʻoe—-ʻOiaʻiʻo ka loaʻa kālā. Ua kamaʻāina ka papahana i ka polokalamu {WVOE}, ua hoʻolālā ʻia no ka poʻe ʻaiʻē i uku ʻia a me nā mea hōʻaiʻē paʻa. ʻAʻole liʻiliʻi nā papahana maikaʻi o nā hōʻaiʻē non-QM i hiki i ka poʻe uku uku a me nā mea ʻoihana ke noi aku.

Pehea e hana ai kēia polokalamu?

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

Inā koho ʻia ka Loaʻa ʻOiaʻiʻo o kēia papahana hōʻaiʻē, e koi wale ʻia ka mea ʻaiʻē 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 i kūkākūkā ʻia ma ka Pauku VIII o kēia mau alakaʻi.

ʻO wai ka mea hiki ke noi no kēia papahana?

E like me ka mea i ʻōlelo ʻia ma luna, ʻo kēlā me kēia mea āu e hōʻaiʻē uku a i ʻole mea hoʻolimalima pilikino, hiki iā ʻoe ke noi no kēia papahana. Inā ʻaiʻē uku, ʻaʻole pono nā palapala kūikawā ke noi ʻoe i kahi hōʻaiʻē hale hou o Non-QM me ka mea hāʻawi. Inā 'ai'ē ho'ohana pono'ī a 'ai'ē paha 1099, pono paha 'oe i kahi leka CPA ma'alahi.

Pehea e hana ai kēia polokalamu?

E like me ka inoa o ka huahana, ua kūpono kēia polokalamu me ka waiwai pū kekahi. ʻAʻole like me nā papahana ʻē aʻe, ʻaʻole pono mākou e hāʻawi i nā palapala kūikawā mai ka mea ʻaiʻē. E hoʻomākaukau wale i nā ʻōlelo panakō maʻamau i ka wā e noi ai no kāu hōʻaiʻē hale, E nānā i lalo no kāu ʻike:

ʻO ke kālā i ʻōlelo ʻia, ʻo ia ka mea i hōʻike ʻia e ka mea hōʻaiʻē i kā lākou loaʻa kālā kūpono i kēia manawa ma ka noi hōʻaiʻē. E hōʻoia ka mea hāʻawi i ka loaʻa kālā o ka mea hōʻaiʻē hiki ke kākoʻo ʻia e ka waiwai "Liquid" i pani mua ʻia.

Inā koho ʻia ka Loaʻa ʻOiaʻiʻo o kēia papahana hōʻaiʻē, e koi wale ʻia ka mea ʻaiʻē 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 i kūkākūkā ʻia ma ka Pauku VIII o kēia mau alakaʻi.