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

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- 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:

Hoʻomaopopo mākou ʻaʻole ʻo ka moraki he hana kālā wale nō akā he hoʻoholo ola koʻikoʻi. ʻO kā mākou manaʻo nui i ka mea kūʻai aku, ʻaʻole mākou e noʻonoʻo wale i nā helu; noʻonoʻo mākou i kāu moʻolelo kūʻokoʻa, nā manaʻo, a me nā pahuhopu kālā. Lawe kā mākou poʻe loea moraki i ka manawa e hoʻomaopopo i kāu huakaʻi pilikino, e hōʻoia ana e loaʻa iā ʻoe kahi hopena moraki e kūlike me kāu ʻike no ka wā e hiki mai ana. - 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: Madrid, Rwanda, Zambia, ʻo kā mākou huahana kūpono i ka inoa maikaʻi mai ka honua e like me kāna kumukūʻai hoʻokūkū a me kā mākou pono loa o ka lawelawe ma hope o ke kūʻai aku i nā mea kūʻai aku. ka launa pū ʻana me lākou e kā mākou mau ʻoihana ʻoihana a me nā hoʻoikaika pau ʻole.

- AAA Haʻawina