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 ka ʻike maopopo ke kumu o kā mākou hana. Haʻaheo mākou i kā mākou kamaʻilio ākea a me kā mākou mea kūʻai aku. ʻAʻohe uku huna, ʻaʻohe mea kupanaha. Hāʻawi mākou i ka ʻike maʻalahi a pololei e pili ana i kāu mau koho moraki, e hōʻoia ana i loaʻa iā ʻoe nā ʻoiaʻiʻo a pau e hoʻoholo ai. ʻO kā mākou pahuhopu ka kūkulu ʻana i ka hilinaʻi me kā mākou mea kūʻai aku ma ka pololei a me ka maopopo, e hoʻomaʻamaʻa i kāu ʻike kālā home e like me ka hiki.Moraki Lahui Haole,Manao Hoolimalima Makeke,Hoʻopaneʻe kālā, Manaʻo mākou i kou manawa, a maopopo iā mākou ʻaʻole i kūlike kāu papa manawa me nā hola ʻoihana maʻamau. ʻO ia ke kumu e loaʻa ai kā mākou kākoʻo mea kūʻai aku ma waho o ka pukaaniani 9-a-5. Inā he nīnau kāu i ke ahiahi a i ka hopena pule, eia mākou e hāʻawi i ke kōkua. ʻO kā mākou mau hola kākoʻo lōʻihi e manaʻo e hoʻopili i nā mea kūʻai aku ma ka hōʻike ʻana i kā mākou kūpaʻa e noho ma laila inā makemake nui ʻoe iā mākou. ʻO kou ʻoluʻolu ka mea nui o mākou, a eia mākou e hana i kāu huakaʻi moraki e like me ka ʻoluʻolu a me ka pilikia ʻole.

- 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 nui o ka waiwai, hiki ke uhi i ke kumukūʻai kūʻai a i ʻole ka nui o ka hōʻaiʻē a me ka uku pani. ʻAʻohe ʻike hana; ʻAʻohe DTI.

Hōʻikeʻike Polokalamu

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 mahina mālama ʻia mai ke kālā ponoʻī o ka mea hōʻaiʻē.

He aha ka ATR-In-Full?

He polokalamu waiwai ka papahana ATR-In-Full, i kūpono me ka waiwai wale nō.

ʻAʻole mākou e helu 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 kālā a i ʻole nā hana i helu ʻia ma kahi noi e manaʻo ʻia he mea nui loa i ka underwrite. Ma ke ʻano he ʻokoʻa, hiki ke waiho hakahaka.

Kupono

Ma lalo iho nā ʻano o ka helu ʻana:
No ke kūʻai ʻana i ka hōʻaiʻē, pono e kūlike ka huina o nā waiwai i ʻae ʻia me ke kumukūʻai kūʻai me nā koina pani a pau.
Nā waiwai >= Kumu kūʻai + kumu kūʻai pani a pau
No ka hōʻaiʻē hōʻaiʻē, pono e kūlike ka huina o nā waiwai i ʻae ʻia me ka nui o ka hōʻaiʻē piha me nā koina 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 he 59.5 a ʻoi paha ka mea hōʻaiʻē, waiwai kūpono = $370,000 + $120,000 (60% o IRA) = $490,000 a pōkole ma $28,500.

Na Waiwai Kupono

ʻO ke kālā, nā waiwai, nā mea 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.

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: Netherlands, European, Madagascar, Hoʻopili mau mākou i ka hahai ʻana i ka ʻoiaʻiʻo, pōmaikaʻi like, hoʻomohala maʻamau, ma hope o nā makahiki o ka hoʻomohala ʻana a me nā hoʻoikaika pau ʻole o nā limahana a pau, i kēia manawa ua loaʻa i nā ʻōnaehana hoʻokele maikaʻi loa, nā mea kūʻai aku, nā mea kūʻai aku a me nā mea kūʻai aku. nā lawelawe ʻoihana. Elaborate one-stop sourcing platform no kā mākou mea kūʻai!

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Hāʻawi ka mea hana iā mākou i kahi hoʻemi nui ma lalo o ka manaʻo o ka hōʻoia ʻana i ka maikaʻi o nā huahana, mahalo nui loa, e koho hou mākou i kēia hui.
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