Wholesale - AAA Lendings Non-QM Easily Qualified Asset wale nō ke koho – ATR-In-Full – AAA Lendings mea hāʻawi kālā a mea hoʻopukapuka

Huahana Huahana

ʻO kā mākou kūpaʻa i ka ʻike maopopo ʻoi aku ma mua o nā pae mua o ke kaʻina moraki. Hoʻomaopopo mākou i ka ʻike maopopo ʻana i kāu mau moraki, me ka uku pānaʻi, nā uku, a me nā koina pani. ʻAʻohe mea kupanaha i ka lā pani. Hoʻolaʻa mākou i ka hāʻawi ʻana iā ʻoe i nā wehewehe pololei, jargon-free, no laila hiki iā ʻoe ke hoʻokele me ka hilinaʻi i nā ʻaoʻao kālā o kāu kūʻai ʻana i ka home a i ʻole ke kālā hou.Nā papahana hōʻaiʻē maʻamau,Nīnau hoʻāʻo moraki,ʻO nā hōʻaiʻē maʻamau me ka ʻaiʻē maikaʻi ʻole, Hoʻokumu ʻia i ka makahiki 2007, ʻo AAA LENDINGS kahi mea hōʻaiʻē moraki koʻikoʻi me ka mōʻaukala waiwai i hala ma mua o 15 mau makahiki. Ua loaʻa iā mākou ke kaulana no kā mākou kūpaʻa kūpaʻa ʻole i ka hāʻawi ʻana i ka lawelawe kūikawā a me ka hilinaʻi i ka honua o ka hōʻaiʻē moraki. ʻO kā mākou waihona hōʻaiʻē kupaianaha he hōʻike i ko mākou ʻike a me ka hiki, me ka hōʻaiʻē hōʻaiʻē ʻoi aku ma mua o $ 20 biliona. I loko o nā makahiki, ua hiki iā mākou ke kōkua ma kahi o 50,000 mau ʻohana i ka hoʻokō ʻana i kā lākou mau manaʻo hōʻaiʻē, e hoʻokō i nā moemoeā home.

- AAA Lendings Non-QM Easily Qualified Asset wale nō ke koho - ATR-In-Full - AAA Lendings Detail:

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Nānā nui

Polokalamu waiwai kaulana. Loaʻa i ka mea hōʻaiʻē kekahi mau kālā, hiki ke uhi i ke kumu kūʻai a i ʻole ka nui o ka hōʻaiʻē a me ka uku pani. ʻAʻohe ʻike hana; ʻAʻohe DTI.

Nā kikoʻī

1) A hiki i ka 75% LTV;
2) A hiki i $4M ka huina hōʻaiʻē;
3) Kahi noho kumu wale nō;
4) ʻAʻohe palena o ka nui o nā waiwai i loaʻa kālā;
5) Ma ka liʻiliʻi he 6 mau mahina mai ke kālā ponoʻī o ka mea ʻaiʻē.

He aha kēia papahana?

He polokalamu waiwai ka papahana ATR-In-Full, i kūpono me ka waiwai wale nō. ʻO kahi koho maikaʻi o nā hōʻaiʻē Non-QM.
ʻAʻole e helu ʻo AAA Lendings i kahi DTI no nā mea noi i kūpono ma ka hōʻoia ʻana i nā waiwai wale nō ("ATR-In-Full"). Mechanically, ʻo nā loaʻa a i ʻole nā hana i helu ʻia ma kahi noi e manaʻo ʻia he mea ʻole i ka underwrite a, ma ke ʻano he mea ʻē aʻe, hiki ke waiho hakahaka. Inā hōʻike ʻia ka hana a me ka loaʻa kālā ma kahi noi, ʻaʻole pono e helu ʻia kahi DTI

Pehea ʻoe e ʻike ai inā hiki iā ʻoe ke waiwai kūpono no kēia papahana?

Ma lalo iho nā ʻano o ka helu ʻana:
No ke kūʻai ʻana i ka hōʻaiʻē, pono ka huina o nā waiwai i ʻae ʻia e like me ke kumukūʻai kūʻai me nā kumu kūʻai a pau.
Nā waiwai >= Kumu kūʻai + kumu kūʻai pani a pau
No ka hōʻaiʻē hōʻaiʻē, pono ka huina o nā waiwai i ʻae ʻia e like me ka nui o ka hōʻaiʻē piha me nā kumu pani.
Waiwai >= Ka nui o ka hōʻaiʻē + koina pani

E ʻike ma lalo o ka hōʻoia ʻana i nā hiʻohiʻona, hiki iā ʻoe ke kuhikuhi i nā ʻano helu helu e ʻike inā hiki iā ʻoe ke kūpono mua ma mua o ka noi ʻana i nā hōʻaiʻē me nā mea hāʻawi.

Nānā 1: Kumu kūʻai a me nā koina pani = $768,500. Loaʻa nā waiwai = $700,000 (mālama) me $45,000 (50% o IRA) = $748,000. Pōkole i $20,500. Inā he 59.5 a ʻoi paha ka mea hōʻaiʻē, ʻo ka waiwai kūpono he $700,000 + $54,000 (60% o IRA) = $754,000 a pōkole ʻia e $14,500.

Manaʻo 2: Ka nui o ka hōʻaiʻē me nā koina pani = $518,500. Loaʻa nā waiwai = $370,000 (hoʻokoe) + $100,000 (50% o IRA) = $470,000. Pōkole i $48,500. Inā 59.5 a ʻoi paha, nā waiwai kūpono = $370,000 + $120,000 (60% o IRA) = $490,000 a pōkole e $28,500.

He aha ka waiwai kūpono no kēia papahana?

Kālā kālā, nā lāʻau, nā paʻa a me nā waiwai wai pilikino (ʻaʻohe waiwai) = 100%
Nā waihona hoʻomaha = 50% inā 59 a ʻoi aʻe a me 60% inā ʻoi aku
ʻAʻohe kālā ʻoihana

He aha nā pōmaikaʻi?

Min. 6 mahina mālama

Nā kiʻi kikoʻī huahana:

Alakaʻi Huahana Pili:

ʻAʻole ʻo AAA LENDINGS he mea hāʻawi wale; ʻo mākou kāu hoa pili kālā. Lawe mākou i ka manawa e hoʻolohe ai i kāu mau pahuhopu kālā a me kou mau manaʻo, e hāʻawi ana i ke alakaʻi ma waho o ke kaʻina noi. ʻO kā mākou kūpaʻa i kou pono kālā e ʻoi aku ma mua o ka pani ʻana i ka ʻaelike, a ua hoʻolaʻa mākou i ke kōkua ʻana iā ʻoe e hoʻokō i kāu mau pahuhopu no ka wā lōʻihi, inā ʻo ia ka home, ka waiwai waiwai, a i ʻole ka hoʻohui ʻana i ka aie. – AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings , E hāʻawi aku ka huahana i nā wahi a pau o ka honua, e like me: El Salvador, luzern, USA, E mākaukau mau kā mākou hui ʻenehana loea e lawelawe iā ʻoe no ke kūkākūkā a me ka pane. Hiki iā mākou ke hāʻawi aku iā ʻoe me nā laʻana manuahi loa e hoʻokō i kāu mau koi. E hana ʻia nā hana maikaʻi loa e hāʻawi iā ʻoe i ka lawelawe kūpono a me nā waiwai. No ka poʻe e noʻonoʻo ana i kā mākou hui a me nā mea kūʻai aku, e ʻoluʻolu e hoʻokaʻaʻike mai iā mākou ma ka hoʻouna ʻana i nā leka uila a i ʻole e kelepona koke iā mākou. Ma ke ala e ʻike ai i kā mākou mea kūʻai a paʻa. ʻoi aku ka nui, hiki iā ʻoe ke hele mai i kā mākou hale hana e ʻike ai. E hoʻokipa mau mākou i nā malihini mai ka honua holoʻokoʻa i kā mākou ʻoihana e kūkulu i nā pilina ʻoihana me mākou. E ʻoluʻolu e hoʻokaʻaʻike mai iā mākou no ka ʻoihana a ke manaʻoʻiʻo nei mākou ua manaʻo mākou e kaʻana like i ka ʻike loea kālepa kiʻekiʻe me kā mākou poʻe kālepa āpau.

- AAA Haʻawina

Hoʻomanawanui loa ka poʻe lawelawe lawelawe a loaʻa ka manaʻo maikaʻi a holomua i ko mākou makemake, i hiki iā mākou ke loaʻa ka ʻike piha o ka huahana a i ka hopena ua loaʻa mākou i kahi ʻaelike, mahalo!
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