Kikowaena Huahana

Nānā nui

Kūʻokoʻa & Piggyback.

ʻO ka polokalamu HELOC ka Home Equity Line Of Credit.
Index + Margin. 30 Makahiki, 10 Yrs I/O Draw Period a ukali ia e 20 Makahiki Amortization.

* Papa kuhikuhi: Ua lana ka helu mortgage me ka mākeke.
Margin: Ma muli o nā hiʻohiʻona hōʻaiʻē, Margin Min. 1%, Paʻa.
Ka helu o ke ola ana: 18%.
Ka Papa Ola Ola: 2.5%.

Hōʻikeʻike Polokalamu

1) ʻAʻohe hoʻopaʻi uku mua;
2) ʻAʻohe uku makahiki;
3) Pono ka home Primary & Second;
4) 1 Unit & Hiki i ka 90% HCLTV;
5) Max. Ka huina kālā $350,000;
6) Min. FICO 680.

Kuhikuhi Nui

(1) Ka helu hoʻomaopopo + 2% P&I ma luna o 30 mau makahiki ka hoʻonui ʻia ʻana ma ke ʻano he helu kūpono.

(2) Nā waiwai/kālā e pani/koe:
★ Piggybacks: hahai i nā koi pili mua.
★Standalone: ​​ʻaʻole koi ʻia ka hōʻoia waiwai inā loaʻa ke kālā i ka mea ʻaiʻē (inā ʻaʻole e hāʻawi i ka hōʻike waiwai wai ma kahi o hoʻokahi mahina e hōʻike ana i nā kālā kūpono e pani ai).

(3) Loiloi/Waiwai:
★ Piggybacks: e hahai i nā kuhikuhi FNMA/FHLMC.
①AVM a me ka hōʻike kūlana waiwai liʻiliʻi o waho (me nā kiʻi) i hoʻopaʻa ʻia i loko o 120 mau lā mai ka lā memo.
②He loiloi (hiki ke hana i ka papapihi, ka nānā ʻana i waho a/a i ʻole ka nānā ʻana i loko) i hoʻopau ʻia e ka mea loiloi palapala laikini/mokuʻāina i hoʻopaʻa ʻia i loko o hoʻokahi makahiki o ka lā memo.
★ Kūʻokoʻa:
1) AVM a me ka hōʻike kūlana waiwai liʻiliʻi o waho (me nā kiʻi).
2) He loiloi (hiki ke hana i ka papapihi, ka nānā ʻana i waho a/a i ʻole ka nānā ʻana i loko) i hoʻopau ʻia e kahi mea loiloi i laikini ʻia/ mokuʻāina i hoʻopaʻa ʻia i loko o hoʻokahi makahiki o ka lā memo.
★No nā palena aie > $250,000, pono ka FNMA 1004 a i ʻole FHLMC 70 me ka nānā ʻana i loko a me waho me nā kiʻi kala.

(4) ʻAʻole hiki ke mālama ʻia ke poʻo inoa ma ka inoa o kahi hilinaʻi.

(5) Ua ʻae ʻia nā POA no nā ʻano kālepa a pau akā pono e uhi i ka hana lien 2nd inā hoʻohana ʻia.

(6) Pono ka hōʻaiʻē ma ke kūlana lua.

(7) ʻAʻohe uku makahiki.

(8) ʻAʻole kūpono ka hoʻolimalima.

(9) E uku ʻia ka uku ma ka lā 15 o kēlā me kēia mahina.

(10) E loiloi ʻia ka uku hope 5% ma ka lā i uku ʻia + 15 mau lā (koe ke koi ʻia ka mokuʻāina ʻoi aku ka paʻa).

(11) Ola Loa Max. Ka helu: 18% a i ʻole ka palena o ka mokuʻāina a me ka Papa Ola Ola 2.5%.

(12) ʻAʻohe uku mua.